LXMQ
Credit-Card Intelligence OS (Patent-Pending)
Why now
$1.23T
U.S. credit-card
balances
$160B
Worth credit card rewards lost
~21%
High APR,
so mistakes are costly
Gap: most apps are siloed (points or budgeting or bills or score).
LXMQ: treats the wallet as a system—one engine sequencing card choice, payment timing/amounts, rewards redemption, and utilization health. (Explainable by design.)
LXMQ's MOAT
patent-pending algorithms- signaling + deterrence layer around LXMQ's interconnected decision sequencing (spend ↔ pay-down ↔ rewards ↔ utilization)
IP
Most consumer finance tools optimize a single slice (points or budgeting or bills). LXMQ’s Data Fabric & Feature Graph powers an interconnected decision engine (not point features) to co-optimize with other data signals
Product-Architecture
LXMQ's explainable decisions materially improve trust and adoption plain.Built-in explainability for every step (recommendation rationale visible- “why this card, why this amount, why now”).
Trust/Explainability
Our Team
Our core team blends product, ML engineering, and domain depth: Arun Menon leads as founder, turning complex card rules into a consumer-first Credit-Card Intelligence OS. Kameswara Rao Nittala leads the MVP as Tech Director, bringing hands-on AI development experience from the telecommunication and fintech industry. Dr. B. N. Ramesha (PhD, AI) advises on GenAI/LLM systems, agentic design, and modeling rigor. On our Ideation Council, Prof. Ronald J. Mann (Columbia Law)—a leading scholar on credit cards and consumer credit—grounds our approach in real policy and market mechanics.
The Raise
We’re opening a pre-seed to bring LXMQ’s credit-card co-pilot to millions of households. Pre-seed is the right moment for what we’re building: the market is rediscovering discipline at the earliest stage, with more sub-$1M rounds but also healthy dollars flowing into the stronger >$1M checks—a pragmatic barbell that rewards clarity of purpose and focused execution.
Our purpose is simple: reduce avoidable financial harm—interest, fees, and decision friction—so people keep more of what they earn and build resilient credit health. That’s not just a product; it’s a category we intend to lead. With an interconnected, patent-pending OS (spend ↔ debt pay-off ↔ rewards ↔ credit health), we’re positioned to scale into a $1B+ enterprise as cohorts compound and switching costs rise.
If this resonates, let’s talk.