Personal finance platform offers user-friendly products to help consumers improve their credit

San Francisco, CA (July 15, 2025) – The American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks, today announced the addition of Kikoff as its newest member. Kikoff is a personal finance platform offering affordable financial tools to help the next generation of wealth builders take charge. As an AFC member, Kikoff joins a community of industry leaders dedicated to advancing responsible and inclusive credit solutions.

“Kikoff is addressing a critical gap in the financial system by providing tools that help individuals safely establish and grow their credit profiles through low-cost, transparent products,” said Phil Goldfeder, CEO of the American Fintech Council. “Their commitment to transparency, data privacy, and responsible credit-building aligns with AFC’s mission to promote innovation that expands opportunity for underserved consumers. We’re eager to collaborate with Kikoff as they help reshape credit access and support greater financial inclusion for all.”

Kikoff provides credit-building products that help users establish and improve their credit scores over time. Its primary offering, the Credit Account, is a revolving line of credit that is designed to improve key credit factors such as payment history, credit utilization, and account age, through consistent monthly payments. Kikoff also offers a secured credit card that functions like a debit card but reports everyday transactions to help users establish payment history safely. Additionally, Kikoff recently launched a complementary AI-powered debt negotiation tool that communicates directly with creditors on behalf of users and negotiates for best possible terms, often reducing the total amount owed.

“We built Kikoff to give people a simple and accessible path to improve their credit,” said Cynthia Chen, CEO and Co-founder of Kikoff. “Through products like our Credit Account and secured credit card, we help users strengthen their credit profiles without interest, fees, or unnecessary complexity, effectively granting users greater financial flexibility and confidence. We’re looking forward to working with AFC and its members to expand access to responsible financial tools.”

A standards-based organization, AFC is the premier trade association representing the largest financial technology (Fintech) companies and innovative banks offering embedded finance solutions. AFC’s mission is to promote a transparent, inclusive, and customer-centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve underserved consumer segments and geographies.

About Kikoff
Kikoff is a personal finance platform designed to help customers achieve financial wellness. Kikoff’s core product, the Kikoff Credit Account, allows customers to build credit from scratch or to improve an existing one. Driven by the founder’s and team’s personal experiences, Kikoff’s mission is to build radically affordable financial tools to help consumers achieve financial security. Used by over 1 million customers, Kikoff has helped their customers increase their credit scores by over 80 million points and counting. Their full suite of products help their users tackle debt, banking access, and more. For more information, please visit www.kikoff.com or download the app.

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