Looking for feedback: How do fintech apps handle credit card intelligence?

Hello everyone — I’m hoping to get feedback from this community on some work in progress.

I’ve noticed that many AI personal finance and fintech apps end up building their own credit card optimization infrastructure. Maintaining it can get pretty complex, and some common challenges seem to be:

• Tracking rewards, benefits, and category multipliers accurately
• Calculating CPP and optimizing for different spend profiles
• Making decisions about card renewals or recovering annual fees

We’re currently building infrastructure (APIs + MCP server) to make integrating credit card intelligence simpler for developers.

I’d love to hear from you:

• How are other teams handling credit card intelligence?
• Would an API-driven approach be useful in your work?
• Any pitfalls or lessons you’ve encountered when building similar systems?

Really appreciate any insights — trying to understand whether this is a problem worth solving for developers.