The autonomous OS for your credit, money & life — that works while you sleep.

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Krediaa is an autonomous credit and debt agent. Rather than a dashboard you check, it's a team of agents that perceive, remember, and act on your behalf.Interface-first architecture. Every vendor sits behind an interface — voice, memory, browser, payments — so each one drops in per-phase without call-site rewrites, and the whole system degrades safely with zero keys configured. Voice surfaces a clear error, memory returns empty, actions report "not wired." Nothing half-performs.A hard autonomy gate. Users choose ask every time, approve by category, or full autonomy. A single guarded entry point enforces, in order: kill switch → input validation → autonomy level → spend cap → execute. The spend cap binds even under full autonomy, and every run — including refused ones — is written to an audit trail.Perception without bank aggregation. Instead of linking bank accounts, agents read the user's own correspondence — bills, CFPB responses, creditor and collector letters — using a deterministic classifier that abstains rather than guesses, with a model-backed second pass to resolve what it couldn't call. Only confident findings become facts in the memory graph.Memory as a temporal knowledge graph, so agents reason over what changed and when, not just what's currently true.Guardrails as tested code, not prompts. The agent browser consults a pure policy module on every step: domain allowlist (lookalike-safe), never enter card or bank details, never change credentials or 2FA, never close an account, and submits require approval. A denied step ends the run rather than being skipped. The decision logic lives in the app's tested surface — ~100 unit assertions — and the worker imports it, so production enforces exactly what the tests cover.Built to be compliance-aware from day one (FCRA, FDCPA, TCPA and call-recording consent, money transmission), because autonomous calling, emailing, and paying touch real regulation.