Remynt empowers consumers to rebuild credit while resolving delinquent debt. Remynt is a digital-first debt buyer and credit card issuer, buying portfolios of charged-off consumer credit card debt and offering those consumers the opportunity to rebuild and earn new credit, a savings account, and rewards for repayment. Remynt's novel approach enables consumers to maintain and grow credit access as their debt secures a new credit card and a savings account. Credit card issuance facilitates reporting debt payments on an active credit card account to credit bureaus to help rebuild credit scores more quickly. Cash-back rewards are provided in the savings account for reaching repayment benchmarks. Leveraging AI, gaming, community features, automated workflows, a customer-centric model, and a captive audience, Remynt will empower subprime consumers to grow their financial literacy and rehabilitate their credit. The company targets the $20B+ annual (and growing) U.S. charged-off credit card market with a capital-efficient, highly scalable business model that generates two-sided consumer revenue. First, as consumers repay their debt secured for pennies on the dollar, and 2) when they become long-term credit card holders, providing income from swipe fees and interest accrued from charges. American consumers repay roughly $84 billion yearly on past-due or charged-off accounts.