NoSwipe

NoSwipe is a mobile app (with optional web dashboard) that helps people avoid new debt by intercepting spending decisions in real time. It connects to your bank and card accounts, detects risky patterns (late-month spend spikes, BNPL usage, cash-advance fees, revolving balances), and enforces simple “guardrails” you choose: a 24-hour cooling-off timer for non-essential categories, weekly discretionary caps, and a hard stop when you’re about to miss minimum payments. It also runs a debt-avoidance checklist before large purchases: upcoming bills, paycheck timing, and whether you’re carrying a balance. This is an AI + traditional app: AI explains the “why” behind alerts in plain language and suggests one concrete alternative (delay, cheaper substitute, or move money). It’s not a budgeting toy; it’s a spend-friction tool designed to prevent debt spirals.