Ada
01 / 08 · The pain
Flight home BOARDING · 24B
JFK
KHI
Depart
DEC 22
Class
ECON
Seat
24B
$1,840 too much
80,000 pts = this flight
$300 travel credit unused
4× on dining, forgotten
The value was
already there.
The friction is in accessing it.
Ada
People want to use credit well.
The system still asks too much of them.
U.S. consumers
90%
say rewards matter when choosing a credit card. The interest is there.
Multi-card users
1in4
actually rotate strategically to maximize rewards at the register.
Millions already searching for help.
"which credit card should I use for…" ↑ rising
"best travel credit card 2026" 27M/yr
Reddit threads. YouTube explainers. The Points Guy. People are spending hobbyist-level effort trying to learn.
Ada
03 / 08 · Meet Ada
Meet Ada
One virtual card.
Better decisions.
Ada selects the best card behind the scenes, so you don't have to.
01 · PAY
Start with one card.
Ada
●●●● 4812
Physical + virtual. In Apple Wallet. Tap like any other card.
02 · EVALUATE
Ada reads the moment.
merchantdining
rewards4×
capsok
offer$10 back
aprn/a
Real-time: rewards, cashback, caps, active offers, statement credits, APR.
03 · ROUTE
Picks the best underlying card.
Sapphire
Amex Gold
Citi Custom
Ada chose
From your linked cards. No input needed. No remembering the rules.
04 · EXPLAIN
You see the value, and the reason.
Blue Bottle $16.00
Dining · 4× pts
You earned +64 pts · $4 back
Amex Gold: 4× on dining beats 2% cashback on Citi by $2.08.
Every swipe becomes a reason, not a guess.
You don't learn the rules. You don't remember the rules. Ada decides.
Ada
The advising layer makes it useful for everyone else.
Built
A working prototype, not a pitch deck idea.
  • Plaid-integrated MVP, real card connections, live.
  • Routing engine evaluates merchant, category, offers.
  • Real UI, tested with 12 users outside my network.
ada.local / transactions
Blue Bottle · DiningAmex Gold+64 pts
Whole Foods · GroceryCiti Custom5% cash
Delta · TravelSapphire3× pts
Trusted
Bank-grade by default. We don't sell data.
  • Plaid for secure bank and card connections.
  • Encrypted in transit and at rest.
  • Minimum data stored, only what routing needs.
  • No selling purchase data. Full stop.
  • No affiliate kickbacks steering your recommendations.
Ada dies the second a user suspects otherwise. Trust isn't a footnote, it's the product.
Guided
An advising layer for people in the middle.
Should I get a new card for travel?
Ada
Based on your spending, $9,200 on flights this year, a travel card would earn you ~$340 more. Want me to compare three?
Yes, just the best fit.
Uses spending history, goals, and credit profile. Not for experts, for the people who know there's value but don't know where to start.
Ada
05 / 08 · Who it's for
The wedge
Financially curious.
Not financially obsessed.
Start with the people who already care, but still find the system difficult.
25M
Beachhead market U.S. adults who are digitally engaged, rewards-motivated, and use multiple cards, but still find it too hard to optimize.
5KusersYr 1
›
20KusersYr 2
›
50KusersYr 3
Ada's core user
22–40
US adults, 1–4 credit cards, actively building credit life
"I know I'm leaving value on the table.
I just don't want another hobby."
Frequent travel Groceries Moving Vacations Buying a car Growing household Smarter credit
Cares aboutRewards, perks, better financial choices, without the upkeep.
AvoidsSpreadsheets, forums, the memory load of optimizing at the register.
Ada
06 / 08 · Landscape & model
The competitive landscape
Different on one axis that matters: the decision itself.
Capability
The Points Guy
Max-Rewards
Card-Pointers
Curve
Ada
Education & content
✓
•
•
–
•
Tracking & dashboard
–
✓
✓
•
✓
One-card experience
–
–
–
✓
✓
Automatic routing
–
–
–
–
✓
Advisory for non-experts
•
–
–
–
✓
Business model
Free trial 1 month Full product, full routing, full advising. No card required.
Ada membership $4.99/mo Everything included. Cancel anytime.
No affiliate kickbacks. No steered recommendations.
Ada
07 / 08 · Why me & the ask
Why me
I found this problem
by living it.
The ask
$15,000
To finish the MVP and prove Ada with real users.
  • $7K
    Complete the Plaid-integrated MVP
    Production-ready routing, card linking, and transaction explainers.
  • $4K
    Pilot
    10–20 users. Recruitment, onboarding, incentives.
  • $2K
    Refine the advising layer
    Based on how users actually ask for help and make decisions.
  • $2K
    Measurement & compliance
    Engagement, repeat usage, willingness to pay. Privacy + ToS.
Ada
08 / 08 · Imagine
In five years, if Ada exists
The value already built in
becomes value actually used.
Travel without a spreadsheet.
Everyday spend, quietly smarter.
Less financial anxiety.
Perks, actually used.
Tweaks
Ada Pitch · v3