Cushion is an AI-driven web app designed to simplify bill management and enhance credit building through effective payment tracking. It securely connects to user accounts, providing a comprehensive overview of payments made and upcoming dues, which aids in better budget management. The app's unique feature allows users to convert Buy Now Pay Later (BNPL) payments and regular bill payments into opportunities for credit history improvement. Users can utilize a virtual Cushion card for payments, which are automatically logged for credit reporting purposes.

In addition to its core features, Cushion promises future enhancements such as credit score tracking and options for splitting bills among roommates or partners. The app prioritizes security with 256-bit SSL encryption and partnerships with top security providers. A calendar view facilitates easy payment tracking, while the two virtual card options can be designated as primary payment methods for regular billers, ensuring that payments contribute positively to credit scores.