The Liabilities Execution Layer

You have active users. Walter turns them into sticky revenue.

Walter embeds into your platform and finds every liability optimization your users are missing—then executes it for them. You earn on every successful outcome, without building a thing.

Become a Partner

Built for platforms like

Personal Financial Management Apps

Neobanks

Financial Media

The Immediate Opportunity

Your users are paying an invisible tax. You're leaving the fix on the table.

Over $1.2 trillion in revolving credit card debt sits at 21%+ APR while 0% balance transfer offers go unclaimed. Billions more in rewards go unearned every year. Your users are in those numbers—and they don't even know it.

Misaligned Products

High-earners pay interest and fees they could avoid. High-spenders use 1% cashback cards when they could be flying Business Class for free. The market is designed to obscure better options.

The Research Wall

Finding the truly optimal product requires a level of data synthesis no individual can perform. The complexity is intentional—and it costs your users thousands per year.

Application Friction

Even when someone finds a better product, the multi-step application and balance transfer process kills conversion. Most people give up before they save a dollar.

Your platform already has the trust. Walter provides the infrastructure.

Walter plugs into your product and handles the analysis, personalization, and execution—so you can offer genuine financial value to your users without becoming a lender, building compliance infrastructure, or managing issuer relationships yourself.

How It Works

Three layers. Fully embedded. Zero lift on your end.

Walter is a complete intelligence and execution stack. You integrate once. Your users get a best-in-class liability and credit optimization experience from day one.

Layer 01

The Intelligence Layer

Walter synthesizes a complete picture of each user's financial health and the entire universe of products that could provide benefit—by combining multiple real-time data sources.

Layer 02

The Recommendation and Execution Engine

Walter doesn't just recommend—it executes. When a user says yes, Walter handles the entire process automatically, from pre-adjudication to completed transfer or application.

Layer 03

The High Trust Agentic Marketplace

Connecting distribution partners, top liability product issuers, and US regulators. Walter has the best bank-grade regulatory infrastructure and end-user guarantees in the market.

White-labeled and SDK-ready. Walter adapts to your platform's colors, fonts, and voice. Embed as a lightweight widget or a full in-product experience—your choice.

The User Experience

What your users actually see. Three minutes. Every opportunity.

Walter moves users into a dynamic, personalized chat immediately—surfacing real numbers from their real accounts, not generic advice.

Hi Mary — I've run your numbers. You're what I call The Strategist: strong credit, active spender, but you're leaking money in two places.

You're carrying $8,200 at 22% APR and using a 1% card for $640/month in dining. I can fix both.

What would fixing both actually save me?

A 0% balance transfer saves $1,640 in interest over 18 months. Switching your dining card adds 38,000 extra points per year—about $430 in value. Combined: ~$2,070 in year one. Want me to handle both?

Will this hurt my credit?

Show me the math

Yes, do both ✓

60 seconds

Walter asks what matters

Getting out of debt? Maximizing rewards? Walter starts with the user's goal and gathers identity data in the background—soft pull, no credit impact.

90 seconds

Financial DNA is built

Walter synthesizes credit history, transaction data, and live market offers into a complete financial picture—and identifies the user's persona.

30 seconds

Personalized opportunities surface

Specific savings figures, real product names, honest math. Users can ask anything and get answers in plain English.

They say yes. Walter does the rest.

Automagic execution

Balance transfers, applications, account transitions—handled automatically. No new tabs, no forms, no drop-off.

Real Results

What users say when Walter does the work.

Saved $1,640/yr

I'd been meaning to do a balance transfer for two years. Walter just... did it. Showed me exactly what I'd save, answered every question I had, then handled the whole application. Twenty minutes, start to finish.

Dan R. · Austin, TX

+42,000 pts/yr

I thought I had a good rewards setup. Walter found I was leaving $400 a year on the table just from using the wrong card for groceries. Switched in five minutes. Wish I'd done it years ago.

Priya M. · Chicago, IL

$2,180 total value found

I was skeptical an AI could actually help with something this personal. But Walter had real numbers from my real accounts—not guesses. It felt like a financial advisor who actually knew my situation.

Marcus T. · Seattle, WA

Why Walter

This took years to build. You don't have to.

The compliance infrastructure, data integrations, AI orchestration, and issuer relationships that power Walter represent years of investment. Embedding Walter means your users get all of it on day one.

SOC 2 Compliant

Bank-level security infrastructure already in place. Walter handles the compliance burden so your team doesn't have to build or audit it.

Issuer Relationships

Direct API integrations and LLM-driven automation covering hundreds of issuers. Universal market coverage your users access immediately.

50%+ Conversion Lift

Walter's pre-adjudication and execution infrastructure drives conversion far above legacy affiliate models—guaranteed offers eliminate drop-off.

LLM Orchestration

Multi-model AI infrastructure and proprietary persona generation—built, tested, and continuously improved. Not a chatbot. An execution agent.

White-Label Ready

Walter adapts to your brand identity—colors, fonts, voice. Your users experience a seamless extension of your product, not a third-party widget.

Revenue Share Model

Walter earns on outcomes—and so do you. A high-margin revenue stream that requires zero operational overhead from your team.

$2,100

Average annual value found per user

73%

Of users find at least one optimization

50%+

Conversion lift vs. legacy affiliate models

FAQs

Questions from potential partners.

Walter is available as an embeddable widget (a lightweight JavaScript snippet) or a full SDK for deeper integration. Most partners are live within a few weeks. We handle the data connections, compliance, and issuer relationships—your team manages the placement and branding.

Walter uses a soft credit pull (no score impact), optional Plaid transaction data, and identity data provided by the user during onboarding. All data is encrypted at rest and in transit, analyzed in real time, and never stored or sold. Walter is SOC 2 compliant and built for the standards financial partners require.

Walter operates on a success-fee model—we earn when a user successfully executes a liability or credit optimization. A portion of that fee is shared with you as the distribution partner. If you already have existing lender relationships, Walter can layer on top of those too, enhancing what already converts.

No. Walter is fully white-label—colors, fonts, tone, and branding are all customizable. Users experience Walter as a seamless part of your product. You can co-brand, fully white-label, or choose any arrangement in between.

Walter is valuable across a wide range of credit profiles. Users carrying revolving balances benefit from liability optimization. Users with strong spending patterns benefit from rewards optimization. Walter's persona engine identifies which opportunity fits each user and routes them accordingly—no wasted experience.

Walter operates within bespoke compliance guardrails built for financial services—100% regulation-compliant AI interactions, auditable conversation logs, and SOC 2 Type 1 certification (Type 2 in progress). We carry the compliance infrastructure so your platform doesn't have to.

Most partners are live within 2–4 weeks using the widget integration. A full SDK integration with custom branding typically takes 4–8 weeks. Walter's team works closely with partners during onboarding to hit whatever timeline matters most to your roadmap.