KreditSOS
An AI-driven financial auditing SaaS built specifically for the Swiss banking and insurance ecosystem. KreditSOS functions as a technical navigator that deconstructs complex financial products into actionable data. It performs...
What is KreditSOS?
An AI-driven financial auditing SaaS built specifically for the Swiss banking and insurance ecosystem. KreditSOS functions as a technical navigator that deconstructs complex financial products into actionable data. It performs automated audits on mortgage interest models (Fixed vs. SARON), identifying optimal refinancing windows based on real-time market shifts. The software also benchmarks management fees (TER) for Pillar 3 pension funds, trading commissions, and interest rates across over 40 credit cards. By transforming unstructured banking data into a transparency-focused dashboard, it empowers individuals and SMEs to minimize their total cost of debt and maximize capital efficiency.
Key Features
AI Mortgage Strategy Auditor
Dynamically analyzes your mortgage situation by comparing Fixed-rate trajectories against SARON models. The system identifies optimal refinancing windows based on real-time Swiss market fluctuations and interest rate forecasts.
Pillar 3 Fee Transparency Engine
A dedicated auditor for Swiss pension funds (3a/3b). It scans Total Expense Ratios (TER) and hidden management fees that erode long-term returns, allowing you to migrate capital to more cost-effective providence solutions.
Trading & Forex Benchmarking
Granular analysis of investment platforms. It compares trading commissions, custody fees, and spreads on foreign markets, ensuring that investors utilize the most cost-efficient brokers for their specific trading profile.
Debt Cost Minimizer
A proprietary algorithm that benchmarks over 40 credit cards, personal loans, and current accounts. It calculates the "Total Cost of Debt," including FX margins and withdrawal fees, to recapture and optimize your monthly liquidity.
Tool Information
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