The price fell after you bought it. The credit expires Friday. The bill went up nineteen dollars and nobody sent a notice. Yield sees all three, and hands you the move while it still pays.
An unused credit is profit. A quiet price increase is margin. A refund window that closes is a refund nobody had to pay. Every one of these is somebody's plan, and none of them are yours.
Illustrative figures from a simulated Yield account
Every one of these systems is working exactly as intended. The friction is the product.
A credit that expires unused is margin that never had to be paid out. There is no department whose job is to make sure you spend it. There is a department whose job is to make sure you keep paying the fee.
Most large retailers will refund a price difference inside a set window. Almost nobody asks, because almost nobody is still watching the price of something they already own.
Introductory rates end. Renewal premiums step up. The increase arrives inside a line item you stopped reading eleven months ago, and it compounds every year you do not challenge it.
Only the first step needs you at a keyboard. Yield takes its own time over the second, and comes back once, when it needs a name for something you keep buying.
Plaid carries the link across more than twelve thousand institutions. Yield finds your cards on it and loads every benefit they owe you, each with its own clock. The connection is read only, and Yield never sees your login.
You do nothing here. Reading your own purchases, Yield works out what you buy on a rhythm, and roughly how often. Nothing is watched yet. It waits until the habit is clear, so it asks you about the things you actually repurchase.
Yield surfaces the pattern and asks for the exact thing. Forward the order email to your private address and the watch locks on by name, size and store. A transaction says where you spent. A receipt says what you bought.
No daily digest. No streak to maintain. Yield speaks when a credit is about to die, when a price falls inside a window, when a bill creeps, and when a credit finally posts.
Each one reads your own data. Each one ends with a move you make, and a result Yield counts only once the money actually lands.
You are paying full price for something one of your cards already covers. Yield finds those bills and shows you what moving is worth, honestly, including the rewards you give up and the promotions you lose.
You make the change at the merchant. Yield watches your statement and confirms the credit only when it posts and matches the charge.
Most stores will refund the difference if you ask inside their window. The window is short, and it starts either the day you buy or the day it arrives.
Forward the order email. Yield holds the exact item, watches the price, and tells you the day it drops while you can still act. You make the ask. Yield never files anything as you.
This is the part no one else does. Before you track anything, Yield reads your own purchases and works out what you buy on a rhythm, and roughly how often. Then it brings you the pattern and asks for the exact item.
You name it once, by forwarding the order email, and the watch holds that thing by name, size and store. After that it stays silent for weeks. When a price moves in your favour on something you already buy, you hear about it, with the evidence behind the number.
Insurance renewals, internet and cable, home security monitoring. These climb on a schedule, and the increase never arrives as an announcement.
Yield watches your own recurring bills and speaks only when one creeps, with what you paid before, what you pay now, and what the going rate looks like so you know what to ask for.
Yield reads your last month end to end and finds the spend that earned one point where it could have earned four. It names the purchase, the card you used, the card you should have used, and what the gap cost.
When the month is clean, it tells you that instead of inventing a miss.
Not a roadmap. Every one of these is a surface in the app right now. Drag to move along the shelf.
What the bureaus will see, and the six mechanics that set it. Position is stated, never graded.
One amount, split across your revolving cards and timed to each statement close. The payment stays in your hands.
Where your portfolio sits against all zero except one, and whether getting there is feasible this cycle.
Which issuers you are eligible with, and when their request windows open.
Watches whether your issuer reported a payment that met what each statement required, and keeps the proof row.
Every credit on every card with its own clock. Reminders at fourteen, seven, three and one day.
The credits that close this month, in the order they die.
Targeted offers across the issuers you carry, deduped and ranked by what they are worth to you.
Your own numbers, gathered before the annual fee call. You make the call.
Fees in against what actually came back. Verified value only, never projections.
The instant answer, from your own wallet, before you pay.
Yield works out what you buy on a rhythm, and roughly how often, from your own purchases. It brings you the pattern and asks you to name the item.
A private forwarding address, off until you turn it on. It is what makes the watch exact.
Every automated read on the record. If Yield read it, it is written here.
This is a busy one. Six notices across sixteen hours, and one of them is the sound of nothing happening.
Fourteen purchases sat on the wrong card. The gap was $41.20 in points.
Below what you usually pay. Yield had the exact item from a receipt you forwarded in June.
Twenty two price checks ran. None of them were worth interrupting you for.
Two bills at the new rate. Typical urban mid tier is $74. You are at $89.99.
Sapphire Reserve reports on Aug 21. Bureaus see the statement, not what you owe today.
$7.00, matched to the charge and reconciled. Counted once, and only once.
Yield asks for a lot of visibility into your money. Here is exactly what that buys, and exactly where it stops.
A claim earns its seal when the charge is seen, the credit posts, and the two are matched once. Pending money never lands in the verified column. Estimates stay labelled as estimates.
Knowing where a product stops is worth as much as knowing what it does. These are deliberate, and they are not on a roadmap.
Yield does not categorise your spending or build envelopes. It is not trying to change how you spend. It works on money that is already leaving.
Your issuer already watches for fraud and is better placed to. Yield reads your transactions to match benefits and verify credits, not to police them.
Yield will not tell you which card to apply for, and earns nothing if you open one. It squeezes value out of the cards you already carry.
No allocation advice, no investment opinions, no tax guidance, and no promises about your credit score. Informational tools, stated as such.
The layer that does the work on the cards and bills you already have. One job, done properly, with the receipts to prove it.
Every benefit matched to the catalog, with its own reset rule and expiry window. More get added as the catalog grows.
Every party in this arrangement has someone working for it. The issuer has a department. The merchant has a policy. The insurer has a renewal schedule. You had nobody. Yield is the one on your side of the table, and it counts a win only when the money actually lands.
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