LXMQ
Your Credit-Card Intelligence Co-Pilot
No more mental math. Your Co-Pilot picks the right card, plans the pay-down, protects your score, and turns rewards into trips—automatically.
LXMQ
How It Feels In
Real Life
LXMQ looks across all your cards—APRs, statement cycles, promos, categories, utilization, rewards—and turns it into one clear plan you can actually follow. No spreadsheets. No mental math. Just smart, explainable recommendations you control. Let LXMQ do the math.
Adaptive Spend Optimizer
Right card, no thought required. We match category, caps, and promos to your goals—so the best card is already the one you’re using.
Neural Rewards Amplifier
Points → real plans, automatically. We route spend so you actually hit the trip you want—fewer missed redemptions.
Dynamic Pay-Down Scheduler
Extra cash? We’ll place it for you. LXMQ decides how much, on which card, and when—minimizing interest and late fees while protecting utilization.
Real-Time Credit Health Simulator
See the impact before you act. Preview how today’s move changes utilization and likely score trajectory.
Privacy-by-design
We bake privacy and data protection into LXMQ from the design phase and keep it throughout the product’s lifecycle.
A Day With
LXMQ
Morning
You pay for coffee; LXMQ had already set your default to the card with the 5% cafe category this month.
Midday
Pay $42 on Card A before Wednesday’s statement close; move $28 to Card B by Friday’s due date—keeps utilization <28% and avoids $X interest.
Evening
You’re 8 weeks from enough points for two LAX–JFK tickets; LXMQ routes groceries and gas to the right cards so you actually get there—no spreadsheets.
Built for busy people
You shouldn’t need to be an expert to win with credit cards. LXMQ does the math, explains the “why,” and leaves you in control. Use just the features you need—alerts, schedules, and a simple monthly check-in.
Monitor Your Assets,
It’s More than Just Money
See the Whole Picture—At a Glance
Track due dates, promos, utilization, rewards, and upcoming risk events in one place. LXMQ translates complexity into one clear weekly view.
Designed for Real Life
Traveling? Changing jobs? Chasing a signup bonus? Toggle goals, and LXMQ adapts your plan without breaking your budget.
Endorsements:
Signals & Early Interest*
Market Research Participant
U.S., 2025
“I’ve never seen a consumer-first OS treat fees, rewards, and utilization as one system.”
Market Research Participant
U.S., 2025
“This is what card-stacked households have needed for years.”
Market Research Participant
U.S., 2025
“The explainability is the difference—you can trust the plan.”
Market Research Participant
U.S., 2025
"No brainpower needed on card choice—LXMQ decides, I just tap."
Market Research Participant
U.S., 2025
“It can tackle my debt with math I didn’t know—lower interest and fewer fees. i would love to have this AI Co-pilot.”
Market Research Participant
U.S., 2025
“LXMQ would turn my points into a trip plan—flights and hotel, $0 out of pocket. Wow,dream come true.”
WHY WE DO WHAT WE DO
We’re building the consumer Credit-Card Intelligence OS: six algorithms, one simple experience that prevents fees, unlocks rewards value, and protects credit health as one system. We’re opening a pre-seed round to accelerate beta and expand issuer partnerships.
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Problem size: multi-card households face silent losses from fees, interest, and rewards breakage. Balances at $1.23T (Q3’25); consumers hold ~3–4 active cards; siloed tools miss real-time trade-offs; policy flux underscores the need for timely guidance.
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Solution: consumer-side OS that sequences transactions and decisions in real time
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Edge: explainable AI + privacy-by-design + incentive-aligned UX
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Patent-pending provisional filings on our integrated decision engine
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Interconnected design (spend ↔ pay-down ↔ rewards ↔ utilization) that changes behavior at the base layer, not just dashboards