KreditSOS

KreditSOS is a sophisticated fintech engine designed to bring radical transparency to the complex Swiss financial landscape. Moving beyond traditional comparison sites, we provide a comprehensive AI-driven audit ecosystem for both individuals and SMEs. Our platform leverages proprietary algorithms to analyze and optimize your entire financial portfolio across four strategic pillars: Mortgages & Loans: We model interest rate trajectories—comparing Fixed-rate vs. SARON options—to identify the most efficient refinancing windows and minimize your total cost of debt. Retirement & Investments: We perform deep-layer audits on Pillar 3 (3a/3b) management fees and compare Trading & Forex platforms, uncovering hidden commissions that erode long-term wealth. Banking Services: We benchmark Current and Savings accounts, focusing on maintenance fees and interest rate maximization to ensure your liquidity is working for you. Credit & Prepaid Cards: Our engine filters over 40 providers based on cashback rewards, foreign transaction fees, and insurance benefits. By integrating Gemini AI for document analysis and real-time market data, KreditSOS transforms opaque fee structures into actionable intelligence. We empower users to recapture lost liquidity and secure their financial health through a neutral, data-led approach.