
Fynn
The credit card engine that shows its work
What it does
Fynn is an explainable credit card recommendation engine. Instead of pushing generic “best cards” lists, it matches cards to your spending, goals, fee tolerance, and credit profile, then shows the reasoning behind every recommendation. You can browse cards, compare them side by side, and see estimated value before creating an account.
Does a similar job
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- IBI built a tool to manage and compare credit card rewards2025 · rewards.getonecard.io · ▲87
This is a free tool that helps you manage and visualize your credit card rewards across different categories. You can input the cards in your wallet and see how they complement each other, spot gaps in your setup, and also see the best card to use for a given merchant. I’m also a founder at OneCard, where we’re building a smart card that’ll eventually handle all of this automatically, routing each purchase to the best card in real-time. Would love feedback from the HN community!

Lendflow Credit Decisioning Engine2022 · ▲76Credit decisioning on your terms, automated, customizable


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Hey HN, Henry here from Cactus. We open-sourced Needle, a 26M parameter function-calling (tool use) model. It runs at 6000 tok/s prefill and 1200 tok/s decode on consumer devices. We were always frustrated by the little effort made towards building agentic models that run on budget phones, so we conducted investigations that led to an observation: agentic experiences are built upon tool calling, and massive models are overkill for it. Tool calling is fundamentally retrieval-and-assembly (match query to tool name, extract argument values, emit JSON), not reasoning. Cross-attention…
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