Banking lending

Gauss

Website
Founded 2022Origin source ↗Checked 2026-09-15

Overview

Gauss is building an AI credit agent that automatically lowers the cost of consumers’ debt.

The product connects to a user’s credit profile, continuously monitors balances and available offers, and executes refinances or restructurings when it can materially improve terms.

For credit card debt, Gauss can track and automatically pay off any expensive balance on connected cards from an instantly originated line of credit, saving users thousands of dollars on interest charges and helping them pay off faster.

Company description As recorded 2026-11-08
Banking lendingAI agentConsumersConsumerTransaction fee

Pricing

Gauss charges a small membership fee, starting at $4.99/month, that can be canceled anytime.

Source-reported As recorded 2026-09-23

Founders & team

Previously Placid Money, Gauss Money

Company history As recorded 2026-11-08

Alex Matsenov

Founder

Alex is the co-founder and CEO of Gauss Money. Alex led credit at Nordea Bank and MDM Bank. He's a 3x founder, 2x YC. Alex has an advance degree in machine learning, was a late stage venture investor in the machine learning space, and is a huge fan of fundamental physics and artificial intelligence research.

LinkedIn
Founder profile As recorded 2026-09-15

Abdullo Akhadov

Founder

Abdullo is the co-founder and COO of Gauss. He has a 17+ years management tenure in credit risk, compliance, operations, and technology with the largest financial institutions in Europe and the Asia Pacific (JPK, ASEAN, ANZ, Greater China).

LinkedIn
Founder profile As recorded 2026-09-15
16team members reported
Source-reported As recorded 2026-09-15

Founded 2022 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedNew York City, NY, USA
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The retained text does not establish product availability or customer use.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year
startup.observe Directory coverage · Sources & method