Making 
the biggest bills 
fit 
real life
Your bills don't care when you get paid. Now they don't have to.The Missing Layer
Credit infrastructure wasn't built for how people actually
get paid. We're building what's missing.
Income arrives on a schedule. Bills don't.
For the 67% of Americans living paycheck to paycheck, the problem isn't overspending. It's that rent, car payments, and insurance all land at once while income arrives in intervals. That timing mismatch creates overdrafts, late fees, and cascading stress for otherwise stable households.
This is a physics problem, not a behavior problem. And it's invisible to traditional credit infrastructure.
Lens AI sees what FICO can't.
FICO measures the wrong thing. Lens AI evaluates real-time cash flow, behavioral patterns, and stability signals to predict whether someone will make a specific payment given their actual financial rhythm, not a static score.
The results validate the thesis: removing reliance on traditional credit scores expanded approvals to previously excluded segments without increasing loss rates.
Who we are
Passionate technologists with decades of experience across finance, real estate, consumer, security, and beyond.
Meet the Split Pay team here.
Backed by
This team has an incredible track record building exceptional consumer finance products.
Vince hankes - Thrive capital