Autonomous AI Fintech for Debt Management

WE ARE BUILDING AN AUTONOMOUS AI FINTECH PLATFORM FOR DEBT MANAGEMENT.

This is NOT a simple fintech app.
This is NOT a basic AI wrapper.
This is NOT a beginner project.

We are building Gjeld.ai, an AI-native autonomous financial operating system designed to help people get out of debt with as little manual work as possible.

The platform will use MULTIPLE AI AGENTS working together simultaneously like a real financial team operating on behalf of the user.

The system will:
• Aggregate loans, debt, invoices, creditors, and financial obligations
• Connect with banking and financial systems
• Use autonomous AI agents and advanced automations
• Analyze financial risk continuously
• Prioritize debts automatically
• Create intelligent repayment strategies
• Negotiate with creditors
• Build autonomous payment plans
• Monitor financial behavior and cash flow
• Detect financial danger zones
• Coordinate AI agents together in real time
• Automate financial workflows
• Help users become debt free as fast and efficiently as possible

Users should feel like they have an entire AI financial operations team working for them 24/7.

IMPORTANT:
This is a HIGH AMBITION startup.
We are applying to Y Combinator.

Execution quality, architecture, scalability, and speed matter enormously.

We are ONLY looking for highly experienced engineers or teams with REAL fintech and AI infrastructure experience.

DO NOT APPLY if:
• You are junior
• You only build websites
• You only use no-code tools
• You have never built production fintech systems
• You have never handled sensitive financial data
• You cannot move fast
• You need endless meetings and micromanagement

REQUIRED EXPERIENCE:
• Fintech / banking systems
• AI agents / multi-agent systems
• Financial APIs / Open Banking
• Production backend architecture
• Secure infrastructure
• Automation systems
• Scalable system design
• Real-time systems
• AI orchestration
• Strong frontend execution
• Excellent UI/UX understanding
• Startup-level execution speed

BONUS EXPERIENCE:
• YC startup background
• Plaid / Tink / Stripe integrations
• Debt, lending, or refinancing platforms
• AI workflow orchestration
• Voice AI systems
• Autonomous systems
• Financial negotiation systems

TECH STACK (preferred but flexible):
• Next.js
• TypeScript
• Python / FastAPI
• AI orchestration frameworks
• OpenAI APIs
• PostgreSQL
• Event-driven architecture
• Modern cloud infrastructure

VERY IMPORTANT:
We do NOT want unnecessary meetings, endless calls, bloated processes, or generic proposals.

If you apply, send:
1. Relevant fintech projects
2. Live products
3. Real references
4. Your exact role in those projects
5. Tech stack used
6. Team structure
7. Estimated execution timeline
8. Why YOU are qualified specifically for THIS startup

Generic applications will be ignored immediately.

We are looking for elite builders only.

Launch target:
30 days.