Vol. I · No. 01The Wallet Quarterly

Pay with the right card,
every single time.

Koorooreads what you’re buying and quietly tells you which card in your wallet earns the most. AI-powered, so it works on any store — not just the obvious ones.

No account. No card numbers. Your wallet stays on your device.
Works across 80+ U.S. & Canadian cards.
The Method

Three steps. Two minutes.

No account to create. No card numbers handed over. Your wallet list lives on your device and nowhere else.

Step One
I

Add your cards

Tell Kooroo which cards you own — just the names, never the numbers. Stored locally, encrypted, never synced.

Step Two
II

Shop normally

When you reach a checkout, Koorooreads the merchant category and ranks your cards by what they’ll actually earn.

Step Three
III

Pay with the winner

A small overlay names the best card, the points you’ll earn, and the math behind it. That’s the whole product.

The Dossier

Built for the quietly optimized.

If you already keep three or more rewards cards in rotation, you’re probably leaving points on the table at checkout. We close that gap without changing the way you shop.

α

Smart category detection

AI figures out the merchant category for any store — including weird edge cases hardcoded rules miss (subscriptions, marketplaces, Target Online, and so on).

β

Your numbers never leave your browser

We literally can’t see them. Kooroo only stores card names — Chase Sapphire, Amex Gold — on your device.

γ

U.S. & Canadian cards supported

Eighty-plus cards across both markets. Region-aware: Americans see U.S. cards, Canadians see Canadian. Travellers can override.

δ

Fast and unobtrusive

Sub-second recommendations. Dismissible per-site. Never covers the “Pay” button. Easy to ignore when you don’t need it.

ε

Honest upgrade suggestions

When a card you don’t own would beat your best by a wide margin, we say so — annual fee shown up front. No tricks.

ζ

Free forever

Core recommendations stay free. We earn a commission only when you choose to apply for a new card through us — and it doesn’t bias what we recommend from your wallet.

The Extension

Early access is open.

We’re finalizing the Chrome Web Store submission. In the meantime, early testers can install the extension directly — takes about two minutes.

Install for early testers
Inquiries

The honest version.

Does Kooroo see my credit card numbers?
No. We never see, store, or transmit card numbers, CVVs, or expiration dates. The extension literally can’t read them. It only knows the names of cards you tell it you own.
What does Kooroo send to your server?
When you ask for a recommendation, we send the current page’s URL, title, a short snippet of visible text, and your card list (by name). That goes to our AI provider to generate the suggestion. Nothing is stored long-term. Full privacy policy →
How do you make money?
If we suggest a card you don’t own and you decide to apply for it through our link, we may earn a commission from the issuer. We’re upfront about that wherever an “Apply” button appears. It does not change which card we recommend from your existing wallet — that’s based purely on math.
Is this financial advice?
No. Kooroois a rewards-optimization tool. We don’t advise you to take on debt, open new accounts, or change your spending behavior. We just tell you which card in your wallet pays more on the specific thing you’re already buying.
What about cards from other countries?
Right now we cover U.S. and Canadian cards. We can’t meaningfully recommend a U.S. card to a Canadian user (or vice versa) because they wouldn’t qualify. Travellers who hold cross-border cards can override the region setting.
Can I trust the AI’s recommendations?
We score every card by a simple formula — multiplier × point-value-cents — and the AI explains the math in plain English. You can always click “Show details” to see the full ranking. If something looks wrong, tell us and we’ll tune it.