Niche ideas,
from real pain points

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Bank Dispute Workflow Assistant (Reg E)

A guided assistant that walks you through filing a debit card or electronic transfer dispute with your bank — explains your Regulation E rights, generates the exact dispute language that gets approved instead of denied, tracks deadlines and provisional credit, and provides escalation paths when the bank refuses. The Reg E playbook your bank doesn't want you to have.

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Consumer Positive Pay Service

Bring the corporate-grade check fraud protection feature called 'positive pay' to ordinary consumers — register every check you write, get a real-time alert before it clears, and approve or reject suspicious activity. The only consumer-facing tool that prevents check-washing fraud before it happens instead of trying to recover after.

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Bill Pay Paper Check Detector & ACH Forcer

A tool that audits your bank's bill pay system to find every recurring payment still going out as a paper check in the mail — even when ACH was available — then helps you migrate each one to electronic delivery. Stops the mail-theft-and-check-washing fraud vector that millions of bank customers don't realize is happening to their HOA, utility, mortgage, and insurance payments every month.

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Authorized Push Payment Fraud Recovery

A guided recovery platform for people who were tricked into sending money to scammers — romance scams, imposter scams, fake invoices, business email compromise — and have been told by their bank 'you authorized the payment, we can't help.' Walks victims through every recovery channel: wire recall procedures, bank escalation, CFPB complaints, FBI IC3 reports, and civil recovery options.

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ChexSystems & EWS Recovery Platform

A specialized platform to help people who have been banned or denied from opening bank accounts because of negative records on ChexSystems or Early Warning Services (EWS) — pull both reports, identify what's on file, generate dispute letters tied to specific bank account incidents, and provide a step-by-step recovery roadmap. The deposit-account equivalent of credit repair, but for the 9M+ Americans locked out of basic banking.