Credit card and credit-building fintech using cash-flow-based underwriting (no FICO).
Founders
Kristy Kim(South Korea · ♀)— A Korean immigrant who moved to San Francisco at 11, she found herself a credit-invisible ghost after Berkeley and investment banking, repeatedly rejected for loans despite a good income, so she founded TomoCredit in 2018 to give immigrants and students access to credit.
Dmitry Kashlev(Russia · ♂)— A Russian immigrant who experienced the same credit-invisibility struggle as a foreign national, he co-founded TomoCredit with Kristy Kim in 2019 as CTO to build cash-flow-based credit infrastructure.
Team & hubs
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