ernd is the card for companies that pay for AI, with 4% back on AI spend and 2% on everything else planned for launch. We pool startups’ purchasing power to negotiate discounts, higher usage limits and priority support from AI providers. In our first 48hrs, we onboarded 10 startups and landed 5 vendor partnerships. We combine experience in quant finance at Bridgewater and IMC, payments at Ripple, financial AI at Farsight, and founding an investment fund focused on distressed industrial acquisitions.
We're also credit card nerds, with at least five cards each that we rotate to maximize points! The company was founded by Connor Dawson; Nikhil Ruia; Malcolm Wengel. It is part of YC Fall 2026. It is based in San Francisco, CA, USA.