TomoCredit

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.