CO
Caleb Ogonodi
Co-founder & CEOCo-founded Gpot, a mobile-payments startup acquired in 2021. Former Bank of America Global Payments. Columbia Economics.
INTRODUCING ROUT · EARLY ACCESS
Your cards.
A smarter choice.
Know which card to use before you pay. Rout compares your cards, explains the choice, and leaves the final say with you.
Coming soon. Your existing cards. A clearer choice.
YOUR WALLET, RECONSIDERED01 — ROUT
Your wallet5 cards
Your cards. One clearer view.
DiningCompare
GroceriesCompare
GasCompare
TravelCompare
One wallet. Every possibility.Your cards work better together.
Keep the cards you love.Let Rout do the comparison.
HOW ROUT HELPS
Your wallet.
One clear answer.
Your familiar wallet. A smarter way to pay. Try a sample purchase and watch Rout choose a card, with the reason right there.
Your wallet.
3 sample cards
Every card has its moment.
Interactive concept · no payment is madeONE TAP. YOUR WALLET THINKS AHEAD.
You pay. Rout picks.
Your cards stay together. Tap Pay and watch Rout bring the best match forward.
Dinner with friendsEligible restaurant · bonus allowance available$80
- 1Understand the purchase
- 2Check the rules on every card
- 3Bring your best match forward
Try “After the cap” to see the same purchase choose a different card.
Sample rules: each point or mile is valued at 1¢; all three cards are active, accepted and eligible. Automatic payment routing is a future product concept.
Explore your wallet and reward assumptions
01 / START WITH WHAT YOU HAVE
Make this wallet yours.
Choose sample cards to include. This preview never connects a real account.
3 sample cards selected
How this comparison works · rules checked September 22, 2026
We compare earned units × the assumed value of each point or mile. This is a limited product demonstration, not a live recommendation. It excludes fees, interest, welcome bonuses, annual bonuses, personalized offers and merchant exceptions. Issuer terms control eligibility; categories and rates can change. No purchase is made.
THE DECISION LAYER
One decision.
Everything considered.
The purchase. Your card rules. Your preferences. Rout brings them together to explain which eligible card fits the moment.
MERCHANT CONTEXTOrchid Kitchen
Dining · MCC 5812 · New York
CARD INTELLIGENCERewards + constraints
Categories · caps · eligibility · offers
USER WALLET STATESample wallet
Preferences · status · available credit
R
ROUT DECISION ENGINEEvaluating eligible cards Real-time decision target
BEST ELIGIBLE CARDSELECTED
Amex Gold
Example: dining within the annual bonus cap
4×points
on dining
on dining
Recommendation explained
Where the decision comes from +
Context arrivesMerchant, terminal, category and location signals where available.
Rules narrow the walletCaps, eligibility, offers, status and preferences remove invalid choices.
The user stays in controlRout explains the winner and allows an override or safe default.
Animated product concept. The first release is planned to provide recommendations; automatic routing and millisecond performance depend on wallet, issuer, network and payment-partner integrations.
ONE WALLET. A CLEARER PICTURE.
All your cards.
Finally connected.
The right card, before you pay.
A single view of your spending, rewards and the card to use next. Less remembering. More getting on with your day.
YOUR WALLET. YOUR CALL.
A reason for every choice.
Control over every card.
Understand why a card wins. Change your preferences. Choose another card whenever you want.
No account access here+
This website’s demo runs with sample data in your browser. It does not connect bank accounts, read balances or process payments.
Only your email to join+
Joining the waitlist asks for your email address. No card number, financial login or payment is required.
An explanation you can inspect+
The walkthrough shows the card rules and assumptions behind its comparison. Change them, compare again, or choose a different card.
Your permission+
Future card connections will require your permission. You can request removal from the current waitlist through our contact email.
Future payment security is a development requirement, not a completed certification. Read our privacy notice for how this website handles data.
A CLEAR START
Recommendations first.
Your control, always.
Rout is pre-launch. Try the sample experience today; join the waitlist for updates on supported cards and early access.
GET EARLY ACCESS
Put your wallet
on a smarter route.
Join the waitlist for product updates, early access invitations and a chance to shape the first Rout experience. No card required, no payment, no promised launch date.
THE TEAM
Payments, product
and deep tech.
Two Columbia founders combining payment infrastructure, consumer product thinking and technical execution.
FM
Faisal Muhammad
Co-founder & CTOColumbia PhD in Computational Mechanics & Multiscale Modeling. Built neural networks and pyMesoscale on PyPI.