Bits is a Y Combinator-backed fintech startup based in London, United Kingdom, focused on building accessible consumer financial products that help people improve their financial health and build credit. The company offers products including the Bits Credit Card, Store Card, AI-powered personal finance tools, rent reporting, and credit-building services. Through its mobile platform, Bits combines technology, financial education, and personalized insights to help users manage spending, establish credit history, and achieve long-term financial wellbeing.