About Kovarino

Kovarino is a multi-debt payoff optimization engine built by Smart Technology Investments. We exist because the difference between a good debt payoff strategy and a great one can be thousands of dollars and years of your life.

The Problem

The average American household carries debt across 3-5 different types of accounts: credit cards at 24.99% APR, auto loans at 7.5%, student loans at 5.8%, and maybe a personal loan or medical bill. Generic advice says "pay off the highest interest first" (avalanche) or "pay off the smallest balance first" (snowball). But neither strategy accounts for balance transfer opportunities, HELOC consolidation economics, or the behavioral reality that most people abandon complex financial plans.

Our Approach

Kovarino runs six optimization engines simultaneously against your specific debt portfolio and financial profile. We simulate every payoff sequence, model consolidation options using real market rates from FRED and the BLS, evaluate balance transfer arbitrage opportunities, and produce a hybrid strategy that balances mathematical optimality with behavioral sustainability.

Data, Not Opinions

Every rate, fee, and projection in Kovarino comes from authoritative sources: the Federal Reserve Economic Data (FRED) for benchmark rates, StudentAid.gov for federal loan parameters, the Bureau of Labor Statistics for inflation adjustments, and the Consumer Financial Protection Bureau for lending market data. We never fabricate data points or use synthetic estimates.

Developer API

Fintech builders can access our Layer 1 domain data directly via the Kovarino API. Interest rates, balance transfer offers, HELOC rates, and loan rates are available as structured JSON endpoints. The optimization compute stays proprietary to our webapp — but the underlying data is available for any application.