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ernd is the credit card for companies that pay for AI. We give 4% back on AI spend and partner with AI infrastructure companies to give cardholders extra perks, like 10% back on Wafer inference, 2x usage limits on Firecrawl and 62% off Trace pen tests. The card is live for US companies. In our first week, 30+ startups requested the card and we signed 8 partners.
We combine experience in quant finance at Bridgewater and IMC, payments at Ripple, financial AI at Farsight, and founding an investment fund focused on distressed industrial acquisitions. We're also credit card nerds, with at least five cards each that we rotate to maximize points!
Previously Lattice, Provenance Research Inc., Provenance, Stitch Labs
CEO of ernd. At Bridgewater’s AIA Labs, built a profitable forecasting system run by AI agents. Won 3 trading competitions, including UChicago. In high school, built a business monetizing Instagram theme pages, including dog pages and baseball highlights and brought it to over $50K in revenue. On leave from Penn, where he studied computer science and math.
Nikhil is the co-founder and CTO at ernd. Previously, he worked as a software engineer for IMC Trading improving data infrastructure, was the first intern on the stablecoin team at Ripple securing payments on RLUSD, and improved RLHF methods through research at the Wharton school. In high school, Nikhil developed many mobile and VR games, garnering over 15,000 downloads. He is on leave from UPenn
COO of ernd. Previously founded an investment fund focused on distressed industrial acquisitions and worked at a Series A fintech startup building AI agents for finance. Co-founded ARCodeKids, a nonprofit that raised nearly $600K, including $100K from Microsoft Philanthropies, to scale computer science enrollment in Arkansas. On leave from Penn, where I studied finance and AI.
Founded 2026 · Source
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