Your credit card's APR was legal in zero countriesbefore 1978. Usury shows you exactly what it's costing you — and how to fight back.
Every major moral tradition condemned it. Every major civilization banned it. Then in 1978, one Supreme Court decision changed everything.
Most debt apps wait until you're drowning. Usury works while you're still swimming — catching the leaks before they sink you. No 90-day waiting period. No minimum debt. No judgment.
One tap. No passwords shared. We pull your balances, APRs, and hidden fees in seconds using bank-level encryption across 15,000+ institutions.
Your personalized exposé shows exactly how much you're overpaying in interest, fees, and penalties — the numbers your lender buries in page 47 of the fine print.
Optimize your payments, eliminate waste, and take control of your debt on your terms. Not your bank's terms. Yours.
The average American pays $1,380/year in credit card interest alone. Your lender's entire business model depends on you never doing this math. Usury does it for you.
Pay only minimums on $5,000 at 22% APR and you'll be in debt for nearly three decades. The minimum payment isn't designed to help you pay off debt. It's designed to maximize the interest you pay.
Banks borrow from the Federal Reserve at ~4%. They turn around and charge you 24%. That 500% markup is the most profitable spread in the history of financial services. You're the product.
A $5,000 balance at 22% with minimum payments costs $7,800 total. You pay more in interest than the original debt. Your bank knows this number. You don't. That's the point.
One late payment — even by a day — can trigger a penalty APR of 29.99% that applies to your entire balance. Indefinitely. It's in the agreement you signed but never read. They're counting on that too.
Carry even $1 in revolving debt and your grace period vanishes. Every new purchase starts accruing interest immediately. The 0% window was never meant for people who need it most.
In 1980, South Dakota eliminated its usury cap to attract Citibank's credit card operations. Your card agreement is governed by that state's laws — specifically because your state's consumer protections don't apply.
The financial system was designed by the people who profit from it. Every rule, every default setting, every piece of fine print exists to tilt the table in their favor. Usury tilts it back.
What your credit card company does to you has a name. Every major civilization in history knew it — and outlawed it.
One of the earliest legal codes in human history capped interest rates on grain loans at 33% and silver at 20%. Violations were punishable by law.
The Christian church formally banned clergy from charging interest. By the medieval period, usury was classified as a mortal sin — worse than theft, because it exploited time itself.
Islam prohibited riba (usury) in absolute terms. The Quran equates those who charge excessive interest with those who have been “touched by Satan.” Islamic finance still operates on this principle today.
England legalized interest but capped it at 10%. The cap gradually lowered over centuries. The principle: lending is acceptable, exploitation is not.
The Supreme Court ruled that banks could charge the interest rate of the state where they're headquartered, regardless of where the borrower lives. Banks immediately relocated to states with no caps. Your 24.8% APR became legal overnight.
For the first time, consumers have a tool that shows them exactly what the system is extracting — and how to fight back. The practice that every civilization banned now has an adversary.
Every debt app on the market requires you to be drowning before they'll throw you a rope. Usury is built for the 111 million Americans carrying revolving balances who are current on payments but sinking slowly.
You pay on time every month but the balance never seems to go down. That's not a coincidence — it's by design. Usury shows you why and what to do about it.
You know you should look at the numbers but you don't. The anxiety of not knowing is actually less painful than knowing — until it's not. Usury makes looking easy.
You're not behind. Not yet. But you can feel it creeping. Usury catches the trajectory and intervenes before “later” becomes “too late.”
We're not going to tell you to skip the latte. We're not going to gamify your spending. We're not going to send you motivational push notifications.
We're going to show you exactly how much money is being extracted from you, by whom, and how to stop it.
That's it. That's the app.
The banks have lobbyists. The credit card companies have lawyers. The system has 4,000 years of momentum. Now you have Usury.
Usury is launching soon. Join the waitlist to be first to see what your debt is really costing you.
The banks have lobbyists. Now you have Usury.