StellarFi

StellarFi is an Austin-based fintech company offering a smart credit card and credit-building platform that helps consumers improve their credit scores by reporting bill payments directly to all major credit bureaus. The platform operates on a tiered card model (Silver secured, Gold semi-secured, Stellarite unsecured) that grows with the member's responsible use over time. Founded in 2021 by Lamine Zarrad, StellarFi provides AI-guided credit improvement tips, a credit dashboard, and rewards that can be redeemed as spending power or bill payments. The company operates as a public benefit corporation focused on serving financially disadvantaged communities.