TomoCredit is a San Francisco fintech that issues a credit card to people the traditional system can't see - immigrants, students, and first-time borrowers with no FICO score. Instead of a credit check, its proprietary 'Tomo Score' underwrites applicants on cash-flow and bank data, with no deposit, no APR, and no fees, earning revenue purely from merchant interchange. Founded in 2018 by Kristy Kim after she was denied a car loan as a Korean immigrant with no credit history, the company has processed millions of applications and is now building TomoIQ, an AI financial assistant that turns professional-grade money guidance into something anyone can use.
Kristy Kim is the Co-founder and CEO of TomoCredit, a San Francisco-based fintech company that uses AI and alternative data to help credit-invisible Americans — immigrants, international students, and young adults — build credit without a traditional FICO score. A Korean immigrant who moved to the U.S. at age 11, Kim was denied auto loans five times despite earning a six-figure investment banking salary after graduating from UC Berkeley, simply because she had no U.S. credit history. That personal experience became the seed of TomoCredit, which has raised over $46.5M in venture funding (backed by Mastercard and Morgan Stanley), serves 4+ million customers, and generates $20M+ in annual revenue. Kim now leads the company's expansion into AI-powered financial wellness with the launch of TomoIQ.