The easiest way to
never overspend
Smart spending decisions, automatic savings, and financial insights that help you build wealth — all without thinking about it.
Smart Insights
We memorize everything you spend
Automatically forms memories of what matters – your spending patterns, savings goals, and financial decisions – right in your workflow, without interruption.
2% Cashback
Every purchase gives you real rewards, instantly credited back.
Boost Your Credit
On average, CogRisk users improve their credit scores by 14%.
Fraud Shield
Real-time AI pipelines reduce fraud by 31% and keep you safe.
Smarter Spending
AI labels each transaction: ✅ Safe, ⚠️ Moderate, ❌ Risky — so you know what helps or hurts your financial health.
How It Works
Three simple steps to smarter spending with AI-powered financial guidance.
Swipe Your Card
Use your CogRisk debit card just like any other card for purchases.
AI Monitors in Real-Time
Our advanced AI analyzes your purchase instantly for risk and impact.
Get Instant Feedback
Receive immediate insights and rewards to keep you on track financially.
Transaction Feed
Real-time AI risk analysis
Whole Foods
safe
Spotify
moderate
Subscription may hurt savings goal
Luxury Watch
risky
Large discretionary purchase
Built with Trust
Built with PCI-compliant security, bank-level encryption, and transparent AI monitoring.
PCI Compliant
Bank-level security standards for all transactions
ML Observability
Transparent AI monitoring and decision tracking
Secure APIs
End-to-end encryption for all data transmission
Uptime Guarantee
SSL Encryption
Security Monitoring