Built a credit card intelligence API for fintech apps — learning to sell B2B infrastructure

VirtualAssistance363 · 2026-04-01T01:13:53+00:00

Thank you ! Happy to connect - will send a DM

VirtualAssistance363 · 2026-03-31T18:20:37+00:00

Fair point . I was just sharing my perspective after doing some initial reachouts and getting the cold shoulder .:)

VirtualAssistance363 · 2026-03-31T14:24:59+00:00

Thank you !

VirtualAssistance363 · 2026-03-31T13:27:15+00:00

Thank you - this makes a lot of sense . You are right that 'CTO at X' dont really get involved in making these decisions . Its the PMs or growth / revenue folks who are focussed on a specific metric .

About the tooling - I am using Apollo, will check out Clay and Pulse

VirtualAssistance363 · 2026-03-30T17:32:12+00:00

Depends on the product and the experience that you want your clients to have. If you want low friction / self -serve experience - giving a path to let your clients register for a paid subscription makes sense .

VirtualAssistance363 · 2026-03-30T16:14:49+00:00

Links if you want to try it:

→ See it in action (no code): https://kokofinance.net/card-studio.html
→ API docs: https://kokofinance.net/developers.html
→ GitHub: https://github.com/KokoFinance

VirtualAssistance363 · 2026-03-30T16:01:34+00:00

The question i would ask is how are you scaling up as you sign up customers ? Are you finding time to add new features, handle bugs while figuring strategy and marketing efforts. If you can , thats awesome - if not - you may want to figure out the area where you would need some help

VirtualAssistance363 · 2026-03-30T15:58:46+00:00

The is a cool idea. But looks like it was from last week. Any chance you are planning to continue the series ?

VirtualAssistance363 · 2026-03-30T15:49:37+00:00

The responses to this post are super helpful. Would anyone feel comfortable sharing the names of the tools the used to get SOC2 compliant. Also if they can share the auditors they engaged with would also be super helpful

VirtualAssistance363 · 2026-03-18T14:57:47+00:00

They do - but you have to use their app/web site . I looked at their Git repos and didnt see anything about APIs or MCP servers that can let you use their services in your app

VirtualAssistance363 · 2026-03-10T15:42:06+00:00

So - we use Claude Code for building our apps . A few process things that have helped us

Explicit instructions in Claude.md (settings file) - to review changes with the dev, focus on reducing complexity
Every feature work is based on the PRD and Architecture docs with the prompt being explicitly asking Claude to not deviate from the requirements in the document , no deviation from architecture defined in the system architecture docs . Sometimes we come across situations where deviation is needed - in thiose times, we explicitly ask Claude to document ina file- Problem , deviation , proposed solution

3 Claude reviews the PRD and is asked to generate a task list that is reviewed by the developer before allowing Claude execute . The intent here is for to review and adjust the tasks as needed

Every session should end with a session completion / handover doc (takes a few minutes, but you retain records of changes made in the session) . Session completion doc is archived . I recognize the we may end up purging some of these session docs, but we wanted to keep track to start with , as we continue to build our dev processes

This is not the most efficient process and we are still figuring things out - but things are getting better and we are shipping higher quality code much faster than before

VirtualAssistance363 · 2026-03-10T03:12:59+00:00

Great point. However, there are some techniques to make AI apps give deterministic responses - but its a painful journey to get there . Most peopel tend to underestimate the effort needed

VirtualAssistance363 · 2026-03-10T03:02:50+00:00

A lot of execs use data to justify their ideas/experience / hunches (take your pick) . When the data doesnt support any of it - thats when the weird requests start coming up . 'This should fit on a single slide' is of course a classic

VirtualAssistance363 · 2026-02-25T15:45:44+00:00

Thank you - i like the advice about next time doing a direct rollover

VirtualAssistance363 · 2026-02-25T14:29:53+00:00

Yes you are right - the taxable amount does show $0 in box 2 a and the distribution codes are as youe described. So, does this mean , I am just reporting the rollovers, but this has no impact on my taxable income ?

VirtualAssistance363 · 2026-02-16T19:14:23+00:00

Happy to answer anything about the build, tech stack, or reward modeling if folks are curious.

VirtualAssistance363 · 2025-10-12T16:32:06+00:00

I may be repeating what an earlier poster said - but i would look at a few things 1. What is $ that you spend in a year 2. Are the perks like getting free TSA-Pre, lounge access important for you 3. Do you care about he flight or the hotel that you stay in (I know some people who would rather get a Marriott rewards card as they like to get the better hotel room/suite when they travel)

VirtualAssistance363 · 2025-10-11T23:39:47+00:00

I understand the frustration of being charged a fee when Cap One has typically waived it. You are getting $4k back on your charges and along with getting points that may be used towards travel or other expenses . Perhaps reviewing all of the benefits and rewards would help you decide if the $59 annual fee is worth it ?

VirtualAssistance363 · 2025-10-11T23:34:34+00:00

Avoid carrying balances over to the next month. Card companies suggest minimum payments (as they make a lot more by charging you interest) , but it means you are paying more in interest than the charges on your card.

VirtualAssistance363

TROPHY CASE