Krti provides an AI‑driven payment solution that automatically detects, aggregates, and applies the optimal cashback, points, and loyalty rewards at checkout. By recommending the highest‑yielding card and completing the transaction with a single tap, it turns everyday purchases into instant savings without manual effort. The platform also tracks earned rewards, allowing users to redeem and leverage them for future purchases.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers often have multiple credit cards, loyalty programs, and cashback offers, making it difficult to track eligible rewards and apply the optimal combination at checkout. This manual process can lead to missed savings and a fragmented payment experience.
Solution
Krti offers an AI‑driven payment platform that automatically detects a shopper’s available cashback, loyalty points, and card promotions during the checkout flow. The system calculates the highest‑value combination of rewards and recommends the payment card that maximizes earnings. With a single tap, Krti completes the payment, applies the selected rewards, and logs the earned cashback and points for future use. Users can also view and redeem accumulated Krti Points directly within the app, turning everyday purchases into continuous savings. The platform integrates with existing payment networks, providing a seamless, secure, and autonomous checkout experience.
Target Audience
Krti is aimed at frequent online shoppers and mobile app users who manage multiple reward programs and seek to maximize savings without manual effort. It also serves fintech platforms and e‑commerce merchants looking to enhance their checkout experience with integrated reward optimization.
Features
- AI assistant that scans all linked cards and loyalty programs to identify eligible cashback and points in real time
- Automatic calculation of the optimal reward mix and one‑click application at checkout
- Card recommendation engine that selects the payment card offering the highest cashback or promotional rate
- Instant earning and logging of cashback, loyalty points, and Krti Points for future redemption
- Secure, tokenized payment flow that works with major payment processors and banks
- Dashboard for users to track earned rewards, redemption history, and upcoming promotions