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KredosAI

Personalized past-due payment reminders for enterprises

Raised to date

$7M

of $7M offered across 1 Form D filing

Investors
9
Last filed
Jun 4, 2026

About

KredosAI is an AI-driven consumer engagement platform that helps enterprises recover late consumer payments. It applies reinforcement learning with human feedback and behavioral economics to personalize the wording, timing, and channel of each overdue-payment message. The company focuses on the window after a bill goes past due but before the account is sent to collections or written off. Founded in 2021 by former T-Mobile executives Balaji Sridharan and Dave Thoms, it is based in Issaquah, Washington.

Optimizes against actual payment outcomes rather than engagement metrics, using reinforcement learning with human feedback and omnichannel delivery including Rich Communication Services, with enterprise deployments in weeks rather than months.

Funding

  • EquityFiled Jun 4, 2026Form D
    $7M/ $7M

Product

KredosAI consumer engagement platform

Accounts receivable / collections software

An enterprise platform that generates and delivers personalized, behaviorally-informed payment reminders to delinquent consumers across email, SMS, and Rich Communication Services, continuously learning from payment outcomes.

  • Reinforcement learning with human feedback that continuously experiments and adapts
  • Omnichannel delivery across email, SMS, and Rich Communication Services (RCS)
  • Branded, interactive, app-like messaging experiences

Built for

Large enterprises with consumer receivables in telecom, media and technology, auto financing, and financial services

People on file