Changed

Changed sells a single digital product: an AI-driven mobile app that negotiates and auto-pays bank and merchant fees on behalf of users. The subscription is priced at mid-range—$49.99 per year after a 7-day free trial—and is available only through Apple’s App Store and Google Play, with in-app onboarding and payment. The app’s core engine scans linked accounts for overdraft, late, and interest charges, then submits data-backed disputes that recover an average of $300 per member in the first year. Changed markets itself as “the first financial advocate that never sleeps,” touting a 90 % success rate on negotiated fee reversals and real-time credit-utilization nudges that accelerate debt payoff. Typical customers are 25-40-year-old U.S. renters carrying multiple high-interest loans or credit-card balances who want automated money fixes without hiring a human advisor. The brand speaks to values of financial fairness, time-saving tech, and debt-free aspiration, positioning membership as cheaper and faster than traditional counseling. Changed competes in the crowded fintech self-help space against budgeting apps and fee-reimbursement chatbots; it differentiates by combining negotiation, payment, and payoff tools in one mobile subscription rather than offering isolated dashboards or manual claim forms.