Your spend already bought the seats.
First Officer goes and gets them: a specialist desk with humans in command, working your rewards position from one thread in your pocket. This page is the whole product: what runs today, what is being built now, and what it will never pretend to do.
108
Cards watched across 13 issuers
1
Thread. The whole desk in your messages
Friday
Dollars saved reported every Friday
01 · The leak
Every month, your business buys travel it never takes.
The money is already spent. The rewards it earned are real, and they sit uncollected: routed to the wrong card, expiring quietly, missing the window by a week. For example, a business running $80K a month can leave five figures a year at the gate. Individual results vary.
MISROUTEDThe vendor that coded wrong all year.$2,140
MISSEDThe transfer bonus that ended Thursday.$980
EXPIREDThe balance nobody was watching.$940
UNCLAIMEDThe credits that reset, unused, every January.$620
Rewards have no lost and found. What is not collected in time is not late. It is gone. And collecting it is a real job: 108 cards, 96 programs, windows that open on a Tuesday and close by Friday.
ILLUSTRATIVE LOSSES · INDIVIDUAL RESULTS VARY · THE FOUND MONEY CALL SIZES YOURS
02 · The crew
Coverage across 50 programs, one portfolio.
So we staffed it. Each specialist owns one job completely; together they cover the whole surface of a business rewards position, the part no single person has time to watch.
🔮OracleKnowsKnows how 96 loyalty programs work. Transfer ratios, sweet spots, devaluations. The brain behind every recommendation.
🧭StrategistPlansBuilds your 90 day and 12 month business spend roadmap. Vendor routing, card stack optimization, and a rolling application calendar.
🧮AccountantValuesMonthly portfolio snapshot. Total points, estimated value, blended earn rate across your stack, and where the gaps are.
💱OptioneerPricesTurns a travel goal into route options. Which points to transfer, which program to book through, and what the trade-offs look like.
🗃ArchivistCOMING SOONRemembersYour memory and profile. Tracks your cards, loyalty programs, goals, and every preference you have shared with the desk.
🎖CommanderCOMING SOONRoutesRoutes your spend across your card stack. Shows you which card fits which vendor and why, so the routing decision is easy.
🗺PlannerCOMING SOONTracks tripsTracks your travel plans end to end. Keeps them current as availability, prices, and programs shift around you.
🛡RangerCOMING SOONRescuesMonitors expiring credits, forgotten annual benefits, and rotating bonus categories. Catches money before it expires.
🔍SpotterCOMING SOONWatchesWatches for transfer bonuses, limited time promotions, and new card offers that actually match your spend profile.
🎯HunterCOMING SOONClosesTracks minimum spend deadlines on new cards. Alerts you before welcome bonus windows close so no points are left on the table.
03 · The thread
The whole product is one conversation.
No new app to learn, no dashboard, no login to forget. A specialist raises it, you answer in five words, it gets done. Live scenes. Hover to pause.
You text like you text a partnerPlain English in, decisions out. “Book it,” “skip,” “explain.” That is the whole learning curve.
The desk opens the thread firstExpiring balance, closing window, a seat that just opened: the first message is usually ours.
Every yes stays yoursNothing moves without your written go-ahead, and the thread itself is the paper trail.
Simulated conversation. Actual results vary by portfolio.
SIMULATED CONVERSATION · ILLUSTRATIVE NUMBERS · INDIVIDUAL RESULTS VARY
04 · The week
Seven days on watch.
A composite week at the desk: routed, caught, rescued, flagged. Vendor codes, transfer windows, expiring balances, bonus deadlines. This is the tempo the thread hums at while you run the business.
FIRST OFFICER OPS · LIVE WATCHALL TIMES LOCAL
SYSCO SPEND ROUTED TO 2XSTRATEGISTCLEARED+$310 / YR
VIRGIN TRANSFER BONUS +30%ORACLEBOARDING−49K PTS SAME SEATS
47,000 AEROPLAN EXPIRINGACCOUNTANTRESCUED$3 RESET
200K BONUS WINDOWSTRATEGISTON TIME$2,400 TO GO
LISBON J ×2 · 120K OPENORACLEOPEN$7,400 CASH PRICE
FLEET FUEL EARNING 1XOPTIONEERFLAGGED3X AVAILABLE
05 · The receipt
Every Friday, a number you can bank.
This is what lands in your thread at the end of the week. No dashboard to check, no report to download.
Capture Report
FRIDAY · WEEK 33
Vendor routing corrected (3 vendors)$310
Transfer bonus caught, 30 percent$980
Hotel nights booked on points$1,450
Statement credits claimed$220
Expiring balance rescued$940
Captured this week$3,900
ILLUSTRATIVE WEEK · INDIVIDUAL RESULTS VARY · YOUR REPORT SHOWS YOUR OWN CAPTURES
06 · The brain
Three data assets. One intelligence layer.
Every recommendation the desk makes is grounded in verified data: a live map of how cards actually behave, a knowledge base that admits only sourced facts, and your own profile held in isolation.
108 cards · 13 issuers
The card map
Verified earning structures, merchant-code behavior, issuer rules, and transfer-partner routes across the full business card landscape. Re-verified weekly, because published charts drift and real-world coding drifts faster.
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The library
A verified knowledge base
Client conversations surface candidate facts; each one is checked against a primary source, a real booking or a real statement, before it enters the corpus. Unverified claims never ship as advice.
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Your profile
Your row, isolated
Your cards, vendors, balances, and goals, stored per client and never pooled. Anonymized patterns strengthen the map; your records and identity stay in your row.
And the asset compounds. A $34K-a-month medical practice gets a strong stack on day one, built from published rules and its own statements. The same question six months in returns a sharper answer, because more practices have been verified into the map in between.
STAGE 01
The baseline
A solid stack routed from published rules and your own statements. Already better than generic advice, because it is built on your vendors rather than a category list.
STAGE 02
Tuned by the consortium
Merchant codes verified from sister profiles in your industry sharpen the routing. The vendors that code strangely are known, because somebody else already hit them.
STAGE 03
Your vendors join the map
Everyone after you inherits what your account taught the brain, and you inherit theirs. Your records stay in your row throughout.
07 · The flight plan
What are we building?
Three headings we are flying, and every piece of the build on a real timeline: live today, shipping through Q3 and Q4 2026, and planned for 2027.
THE CONSORTIUM
01
The map
nobody else has
Generic advice reads the published charts everyone reads. This desk reads a map built here: how 108 cards actually behave at real vendors, which merchant codes lie, which routes clear. Every fact is verified against a real booking before the brain may use it, and every client’s verified facts sharpen the routing for every client after them. It cannot be bought. It has to be earned.
Verified corpus · liveThe library · liveDeeper spend intelligence · Q3 2026
THE INSIGHTS DESK
02
A desk
that sees ahead
Today the desk catches value as it appears: the bonus that posted, the credit about to expire, the window that opened. The next act is catching it before it appears: devaluation weather called ahead of the front, your whole position marked to market as programs move, your capture rate benchmarked against businesses your size, all computed from the consortium, with nobody’s books opened to anybody.
The Spotter's watch · liveThe Appraiser · Q4 2026The Weather Desk · Q4 2026The Fleet Benchmark · Q4 2026
THE WHOLE COCKPIT
03
One desk
for the whole trip
Rewards are the start, not the end. The same thread is growing into the rest of the trip: planning, receipts, status, the report your accountant recognizes, each landing as its own specialist in the thread you already have. And it stays under human command the whole way: automation grows the desk’s reach, never its authority.
The First Officer app · Q3 2026Self-serve onboarding · Q3 2026The Navigator · Q4 2026The Purser · 2027The CFO Report · 2027
THE BOARD · WHERE EVERY PIECE STANDS TODAY
Live today
WhatsApp deskOne thread in the app you already use, professionals in command behind it.
The Found Money Call6 questions that size your capture before a dollar changes hands.
Friday capture reportsDollars saved, in writing, every week.
The specialist deskContinuous watch across 108 cards and 13 issuers, with humans in command.
Read-only connectionsScreenshot, email, or bank-grade card connection. Your choice of depth.
The public calculatorTwenty-one industry profiles, no signup, free to anyone.
The verified corpusEvery redemption the desk finds is recorded, so the advice compounds across clients.
Email deliveryThe Friday report and the first week's notes land in the inbox as well as the thread.
Q3 2026 · in build
The First Officer appThe same desk with a screen: portfolio at a glance, capture history, approvals in one tap.
Deeper spend intelligenceMerchant-level coding analysis, so routing advice gets sharper the longer you are a client.
Self-serve onboardingConnect and start the call without waiting on a human to open the thread.
Q4 2026
The NavigatorTrip planning that starts from your calendar and your balances instead of a search box.
The AppraiserA live valuation of your entire points position, updated as programs move.
The Weather DeskDevaluation warnings before the front lands. Program changes, award-chart drift, and booking patterns, read full time for what is coming.
The Fleet BenchmarkYour capture rate against businesses your size, in your industry, computed from the consortium map. Patterns travel, books never open.
2027
The PurserExpense and receipt handling that ends the month-end scramble.
The BrokerStructured help when the right answer is buying, selling, or moving value between programs.
The Status ArchitectStatus and credit planning across airlines and hotels, aimed at what you actually fly.
The HangarOne desk across every entity you run. Routing and application windows per company, one rolled-up report to you.
The CFO ReportRewards as a line item your accountant recognizes, with the capture booked properly.
ROADMAP REFLECTS CURRENT PLANNING · TIMING MAY SHIFT
08 · Our side of the table
Taking care of our customers.
The desk works for exactly one side of the table. Here is what that feels like.
A person when it matters
Software does most of the work in your thread. When a call needs judgment, a person from our team steps in. Not scripts, not tickets, not a queue.
The door never locks
No notice period, no exit fee, and your rate is locked at signup. Staying is a decision we earn every Friday, not a contract you serve.
Every decision is yours
Read-only connections, and nothing moves without your written yes in the thread. The desk recommends; you decide.
Nobody pays us to recommend a card. The only person who pays us is you, which is the only arrangement where the advice can be trusted.
09 · What it does not do
The honest limits, stated plainly.
01
It does not move your money
Read-only on every connection. No transfers, no purchases, no applications without your explicit yes in the thread.
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02
It does not create award space
When a seat does not exist, no desk can conjure it. We will tell you that plainly instead of selling you a worse booking.
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03
It is not accounting or advice
We are not your bookkeeper, your CPA, or a licensed financial advisor, and we do not file anything on your behalf.
It is also not for everyone. Below roughly $25K a month in non-payroll spend, the fee is unlikely to clear, and we will say so during The Found Money Call rather than take the money. See pricing and trust and security.
Your points stay in your accounts, in your name, and nothing moves without you. The separate $500 award search finds the space; claiming it is a few minutes of your time.
Point valuations are estimates based on common redemption benchmarks. Actual value depends on how and when you redeem.
Your Competitors Route Their Spend. Do You?
The Found Money Call: free, 20 minutes, 6 questions, on the channel you choose. Your capture number, computed. An honest no if the math says no.
