Nithish Selva@nithishgonemad

CredIQ is a real-time credit card spending awareness app for India's 100 million credit card users who overspend without realizing it until the bill arrives. When you pay using GPay or tap your card, there is no live feedback on how much budget you have consumed. You find out when the bill comes. By then the damage is done. CRED focuses on bill payments. Jupiter shows patterns after the fact. Neither gives a live budget bar that updates the moment a transaction happens. That is the gap CredIQ fills. The core feature is a live budget bar powered by Firebase Realtime Database showing status in real time — Very Good in green, Good in light green, OK in yellow, Bad in orange, Very Bad in red. No mental calculation needed. See green, feel safe. See red, stop spending. The status also shows as a persistent notification and home screen widget so spending consciousness is always visible. AI features run on Groq's Llama 3.3 70B model for fast, low latency responses. The chatbot receives the user's live financial context on every turn — budget, spent amount, savings, credit card due, card offers, and recent transactions — giving specific personalized answers, not generic advice. The photo analyzer lets users photograph any product and get an instant recommendation on which card gives the best cashback or reward points for that purchase. For the demo we built a mock bank simulator alongside the main app. Every transaction in the mock bank writes to Firebase and CredIQ updates in under three seconds. In production this is replaced by the RBI regulated Account Aggregator framework through TSPs like Setu. Revenue comes from a freemium subscription at ₹99 per month, card application commissions from banking partners, and merchant affiliate deals. Half a percent of India's credit card market at that price is fifty crore annual recurring revenue. CredIQ is the spending companion the mass market credit card user has never had.

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