An AI-powered personal finance super-app that turns every swipe into smarter money.
kerdos plugs into your real bank accounts via Plaid and bundles four things most people juggle across four separate apps — picking the right card, splitting your money, auto-investing rewards, and tracking it all — into one experience.
Live app: kerdoss.vercel.app
Personal finance is fragmented. People juggle a budgeting app, a Venmo-style splitter, a brokerage, and a rewards tracker — and still lose money to:
- Using the wrong card. Cashback and points programs vary by merchant and category, and no one runs the math at checkout.
- Idle rewards. Cashback rots in a checking account instead of compounding.
- No unified view. Spend, rewards, splits, and investments live in four silos, so the full picture is invisible.
kerdos unifies the loop behind a single Plaid-connected wallet. The product walks the user through one continuous flow — link a card, make a smarter payment, auto-invest the rewards it earns, then watch it all from one command center.
The journey starts here. One tap connects a real bank or card issuer through Plaid; balances, transactions, and reward programs flow in immediately. Every downstream feature is wired to the accounts linked at this step — nothing in kerdos is a mockup once a card is in.
Next: with cards linked, the app now knows which rewards each one earns. That's the input SmartSwipe needs.
Enter a purchase (amount + merchant + category) and SmartSwipe ranks the linked cards by estimated reward value, showing the reasoning behind the pick. The Transact hub (/transact) sits alongside it for the quick actions — fund, redeem, transfer points — that surround a payment.
Next: every swipe generates cashback. Instead of letting it idle in checking, kerdos sweeps it straight into the market.
RewardVest auto-invests accumulated cashback using an AI-generated allocation, then projects annual and 10-year growth at the user's current earn rate. Rewards stop rotting and start compounding without the user opening a brokerage.
Next: with money moving across cards, spend, and investments, the user needs a single place to see the whole picture.
WealthSplit is the unified dashboard. It splits rewards, tracked spend, invested capital, and portfolio gain across cards and months — closing the loop that started at Plaid Link.
- Node.js 20+
- npm
Next.js 16 · React 19 · Tailwind v4 · Framer Motion · GSAP · Three.js / React Three Fiber · Recharts · ECharts · Plaid · OpenAI · hyparquet
Create .env.local in the project root with:
PLAID_CLIENT_ID=
PLAID_SECRET=
REWARDSCC_API_KEY=
ALPHA_VANTAGE_API_KEY=
FEATHERLESS_API_KEY=| Variable | Used for |
|---|---|
PLAID_CLIENT_ID / PLAID_SECRET |
Bank linking and transaction data via Plaid |
REWARDSCC_API_KEY |
Credit-card reward-rate database (RapidAPI) |
ALPHA_VANTAGE_API_KEY |
Live market data for the RewardVest portfolio |
FEATHERLESS_API_KEY |
AI investment-allocation advice |
npm install
npm run devOpen http://localhost:3000.
src/
app/
page.tsx Home — credit-card carousel + live stats
smartswipe/ Best-card-for-this-purchase recommender
rewardvest/ AI-advised auto-invest of cashback
wealthsplit/ Unified rewards / spend / portfolio dashboard
transact/ Quick-action hub
plaid-link/ Bank account linking flow
api/ Server routes (rewards, plaid, smartswipe, ai-advice, market)
components/ UI primitives + feature components (CreditCard, MarketTicker, …)
lib/
server/ Server-only: Plaid client, env, ledgers, local store
* Client utilities: stores, demo data, formatting
types/ Shared TypeScript types
data/runtime/ Local JSON ledger (dev persistence)
public/ Static assets
- Where: University of Maryland, College Park
- When: April 10–12, 2026 — built in 36 hours
- Event: Bitcamp 2026 — Explore the Unknown
- Devaj Solanki
- Anant Patel
- Anusha Agarwal
- Vedant Shirvi