KreditSOS is a specialized fintech ecosystem that uses proprietary algorithms to optimize your financial portfolio in Switzerland. We provide independent, AI-driven audits for mortgages, personal loans, and Pillar 3 pension fund fees. Beyond debt, the platform analyzes trading commissions and banking costs to identify the "Total Cost of Debt." By modeling interest rate trajectories and hidden fee structures, we empower users to secure the best refinancing windows and recapture lost liquidity.