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A startup called Final wants to change the way bodies use acclaim cards — or rather, the aggregation wants to change the acclaim agenda industry to fit consumers’ lifestyles. With a 1 percent cash-back benefit and no anniversary fee, Final offers a aggressive acclaim agenda product, but it absolutely excels in the adaptability it provides in the way consumers can administer basic cards beyond assorted vendors.

If you’re like best of the bodies who apprehend this site, you apparently accept a Spotify anniversary and a Netflix account, and maybe you subscribe to one or added online video services. You apparently accept a agenda on book at Amazon.com and boutique a array of altered e-commerce sites. Who knows, maybe you pay annual for some array of cable box that acclimated to be all the acerbity a few years ago.

Increasingly added of your purchases are affective online, and you apparently pay for all of those appurtenances casework with the aforementioned acclaim card.

And what happens if that acclaim agenda is anytime absent or stolen? Well, you’ll charge to get a new one, but that’s alone the alpha of the altercation that comes with a compromised account. You’ll additionally charge to amend your agenda advice with all the cable service, e-commerce sites and online vendors that you appear to use.

But what if I told you there was a way to accept a altered agenda cardinal on book for anniversary alone service? And what if I told you that anniversary of those altered agenda numbers would be aggregated into one distinct acquittal that you accomplish monthly?

That’s the adorableness of what Final is doing: It allows its acclaim agenda barter to actualize an absolute cardinal of basic cards that they can specify to use with assorted altered online services. And if one of those cards is anytime compromised, or alike if they appetite to aloof aish or stop advantageous for a service, all they charge to do is annul the basic card.

Final barter still get a distinct concrete agenda in the mail, but they may never use it. And that will be the aftermost allotment of mail they’ll accept from the company. All added correspondence, including statements, happens online — and in the case of a problem, Final is abandonment complicated buzz abutment copse and affective to email-first support.

In added words, Final is aggravating to body a acclaim agenda artefact for how consumers would like to collaborate with their accounts today. They appetite to be paperless, they appetite adaptability in managing their accounts, and they appetite added ascendancy over the adeptness to assurance up for and aish cable services.

Also, consumers appetite burning approval aloft application, article that Final can bear on. It can accept and actuate barter immediately, acceptation they can activate creating basic cards and application the account afore a concrete agenda is anytime alike mailed to them.

To do all that, the Final aggregation spent added than two years architecture up its tech assemblage from scratch, which enables it to affair a near-infinite cardinal of basic cards. With that technology in place, the aggregation is advancing to bazaar with a consumer-facing product, attractive to booty a baby allotment of the $6 abundance customer acclaim agenda market. But Final could additionally serve action barter that appetite a turnkey band-aid for arising and managing acclaim cards.

Final has aloft $4 actor from investors that include 1776, Canyon Creek Capital, DRW Venture Capital, Kima Ventures, KPCB Edge, Ludlow Ventures, Michael Liou, Right Side Capital Management, T5 Capital, Wei Guo, Y Combinator and Zillionize Angel.

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