Portfolio / Case study · 001
▸ Phase One case study
Extra Dollar

Earn more from the cards already in your wallet.

A consumer product that optimizes credit-card rewards — the right card for every purchase, without thinking about it.

Consumer fintech In build
Extra Dollar — the app
Category
Consumer fintech
Status
In build
Started
2026
Team
0→1 crew
▸ The problem

Most people lose money on every swipe — and never notice.

The average wallet holds several cards, each with different rewards across categories that shift every quarter. Optimizing it by hand is a spreadsheet problem nobody wants. So people default to one card and quietly leave real money on the table, month after month.

▸ What we built

The right card, automatically.

One wallet, fully mapped

Add your cards once. Extra Dollar learns every reward rule, bonus category, and rotating offer.

Best card, every purchase

At the moment of spend, it tells you which card pays the most — no math, no guessing.

Rewards that compound

Small wins on every transaction add up to real money over a year of normal spending.

▸ Where it is

On the flight plan.

01

Conceive

Complete

Real demand confirmed — people leave rewards on the table every day.

02

Build

Current

First working product shipped and iterating with early users.

03

Prove

Hunting for product-market fit with real spend.

04

Scale

Harden, install a standing team, grow.

▸ Partners

Partners named at public launch.

▸ What's next

We're widening the early-user group and pressure-testing the recommendation engine against real spend before a public launch. If that's you, we'd love a tester.