Helping people keep more of what they already earn.
LBYM Labs is a financial technology company on a single mission: make living below your means effortless — turning the money households quietly lose to fees into lasting savings.
A mission, not just an app.
LBYM Labs, Inc. is a U.S. financial technology company. Most households don’t fall behind through big mistakes — they lose money through small, avoidable leaks: overdraft charges, late fees, and surprise costs that compound month after month. We build software that finds that money before it’s lost and redirects it toward our customers’ savings — starting with the fees that are easiest to eliminate.
Aligned with our customers
Our incentives point the same way as the people we serve. We earn by helping customers avoid fees and save more — never from the fees themselves.
Privacy by default
Bank connections are read-only through Plaid. We never see or store banking credentials, and customers’ data is theirs to delete at any time.
Prevention over reaction
We predict shortfalls before they happen and tell people exactly how to avoid the fee — not after the money is already gone.
KeepYours is the first step.
Eliminating avoidable fees is the fastest, most universal way to start living below your means — every household has fees it would happily forgo. KeepYours does that today; it’s the foundation for everything LBYM builds next.
Connects securely to your bank, predicts the fees and shortfalls heading your way, and tells you exactly how to avoid them.
- Predictive overdraft & shortfall alerts
- Clear, specific actions — not generic advice
- Money saved is redirected toward savings
The people behind LBYM Labs.
A small, senior team that has spent years inside consumer finance — and watched low- and middle-income households get taken advantage of for too long. We’re impatient to change that.
Ram Chandrasekaran
Ram was most recently Chief Revenue and Growth Officer at Self Financial, where he led all consumer business lines — Credit Building, Secured and Unsecured Card, Rent & Bills, and SelfCash — alongside the Analytics organization. He brings 20+ years in consumer credit and financial analytics, including senior leadership at Prosper Marketplace and a decade at Citi heading global analytics, pricing, and decision management for major retail credit portfolios.
View on LinkedInKristian Lund
Kristian co-founded RentTrack/Level Credit and spent a decade as COO building consumer credit-education products, ultimately leading the company to a successful exit when Self Financial acquired it in 2022. Since then he has run that business inside Self as SVP of Rent and Bills Reporting, integrating it with Self’s broader consumer credit-building portfolio.
View on LinkedInBuilt to be trusted with people’s finances.
Handling financial data is a responsibility we take seriously. Our security posture is designed around least-privilege access and proven infrastructure.
Read-only by default
Bank access is established through Plaid. We never receive or store customers’ banking login credentials.
Encrypted end to end
All traffic is encrypted in transit (TLS); sensitive access tokens are encrypted at rest.
Payments via Stripe
Subscriptions are processed by Stripe. We never see or store card numbers.
Per-customer isolation
Every customer’s data is isolated at the database level with row-level security.
Let’s talk.
Whether you’re a partner, investor, or member of the press, we’d be glad to hear from you.