Qoins is a financial technology startup that focuses on helping individuals pay off their debt faster and improve their credit scores. The company operates primarily in the United States and serves clients who are looking to manage and reduce their debt efficiently. Qoins' core product is an app that automates extra payments towards debt by rounding up spare change from everyday purchases. This spare change is then accumulated and used to make additional payments towards the user's debt at the end of each month. The business model is based on a flat convenience fee of $2.99 for each payment transaction made to the lender. Qoins leverages industry-standard encryption to ensure the security of users' banking information. The company has garnered positive feedback for its user-friendly interface and effective customer service. By simplifying the debt repayment process, Qoins aims to make financial freedom more accessible to its users.

Keywords: debt repayment, spare change, credit score, financial technology, automated payments, user-friendly, convenience fee, encryption, customer service, financial freedom.