Zorro Join the waitlist
STREAMING SUB▼ −$15.49 cut COLD BREW▲ $1.25 saved PARTNER CASHBACK▲ +4.5% avg PHONE PLAN▲ $18/mo saved ATM FEE▼ −$3.50 cut LAUNDRY▲ +7.5% back DATA DIVIDEND▲ paid to you DUPLICATE CHARGE▼ −$12.99 cut LUNCH SPOT▲ $2.10 saved
Pilot launching at NYU · 2027

Your money, saved and rewarded.

Zorro is your personal AI money agent. It learns how you actually spend, cuts the fees and overpayments you never notice, and pays you back for everyday purchases at local businesses in our ecosystem.

Join the student waitlist Join as a business partner

$0 to join · No lifestyle changes required

The problem

Small leaks add up. Nobody is watching them for you.

Budgeting apps show where your money went after it is gone. Rewards programs only pay off on one card or one big bill. Meanwhile the corner shops you love pay steep fees just to be found.

OVERDRAFT + NSF FEES▲ 2025$12.4B

paid by Americans in overdraft and NSF fees in 2025.1

SUBSCRIPTION BLIND SPOT▲ /mo$133

a month: how much consumers underestimate their subscription spending, on average.2

DELIVERY APP TAKE▲ /order15–30%

of every order taken by delivery apps from small restaurants and cafés.3

How it works

An agent that trades in your favor, every day.

Zorro is a proprietary agentic platform built around one idea: every person spends differently, so every savings plan should be different too.

01

Link

Connect your bank accounts through a secure, read-only connection, or upload receipts. Setup takes about two minutes.

02

Analyze

Your agent learns your real spending patterns and flags fees, forgotten subscriptions and unusual charges as they happen.

03

Save

It finds a cheaper way to buy the same things and builds a personal savings plan that fits the life you already live.

04

Earn

Buy from businesses within our ecosystem and get cashback deposited straight to your account.

05

Share

Optional

Opt in to anonymized, aggregated insights and receive a cash data dividend. Your data, your call, your cut.

Fee guard

Stop fees before they hit

Early warnings on low balances, duplicate charges and bank fees, with a clear next step for each.

Subscription sweep

Find what you forgot

Every recurring charge in one list, with the ones you no longer use pulled to the top.

Smarter-buy finder

Same thing, lower price

From your phone plan to your daily coffee, the agent checks whether you could pay less for what you already buy.

Personal savings plan

Built around your habits

A plan tuned to how you spend each week, so saving does not mean giving things up.

Local cashback

Rewards on everyday spend

Coffee, lunch, groceries, laundry. Half of what partners pay Zorro goes back to you as cash.

Zorro Plus · planned

Let the agent do the chores

Auto-cancel subscriptions, bill negotiation and boosted cashback for $4.99 a month. The core app stays free.

Your return

Get paid for the spending you already do.

Partners pay Zorro only after you buy. You receive half of that fee back, which works out to about 4.5% of partner spend on average under our planned rates.

Est. cash back per year $40
Partner cashback+$37.80
Data dividend+$2.00
Fee and subscription savingson top

Estimate based on planned rates; actual cashback depends on where and how often you shop. Savings the agent finds on fees and bills are additional and not included.

For businesses

Pay for customers who walk in. Nothing else.

Zorro sends nearby, high-intent customers to independent cafés, delis and shops, and charges only after a sale. No ad budget, no setup fee, no guessing whether it worked.

  • Free to joinNo upfront cost and a fee-free first month for launch partners.
  • Pay after the saleEvery fee comes from revenue you would not otherwise have had.
  • Know your regularsA dashboard shows which customers are new, which come back, and how often.
  • Keep the relationshipCustomers buy at your counter, not through someone else's app.
15%of a new customer's tickets in their first month
5%on their repeat visits after that

Planned launch-partner pricing. Half of every fee is returned to the customer as cashback, which keeps them coming back to you.

You keep, per new regular $207
Gross profit from their visits$226.80
Zorro fees−$19.80
Effective rate6.1%
Same sales at a 25% delivery commission−$81.00

Illustrative. Assumes 4 visits in month one, then repeat visits. Uses planned launch-partner pricing.

Why Zorro

The first app that saves you money and pays you to spend locally.

Other tools each solve one piece. Zorro brings the savings agent, the rewards network and paid data consent into one place.

Budgeting appsCard & rent rewardsDelivery & deal appsZorro
Actively cuts fees and overpaymentsShows them after the factNoNoYes, in real time
Rewards everyday small purchasesNoTied to one card or billGeneric dealsPersonalized to your habits
Built for local businessesNoLimited15–30% commissionPay only after a sale
Pays you for your dataNoNoNoOpt-in dividend
Cost to youOften a subscriptionCard fees may applyDelivery and service feesFree
Security & privacy

Protected is half our name. We build like it.

You are trusting us with the most personal data you have. These are the commitments Zorro is built on from day one.

Read-only access

Bank connections run through an established, regulated bank-data provider. Zorro can see transactions. It cannot move your money.

You confirm every action

The agent recommends and you decide. Nothing is cancelled, switched or paid without your explicit approval.

We never sell your personal data

Individual records are never shared. Insights are aggregated, opt-in only, and you get half of what they earn.

Encrypted end to end

Data is encrypted in transit and at rest, with access limited to the systems that need it to serve you.

Licensed payout partners

Cashback is paid out through a licensed payments partner. Zorro never holds your funds.

Leave anytime

Disconnect an account or delete your data in a tap. Recommendations are ranked by what saves you most, and any referral fees are disclosed.

Our story

Built by students who kept noticing fees too late.

Zorro started at NYU with a simple frustration: money slipping away a few dollars at a time through fees, forgotten subscriptions and purchases that cost more than they needed to. Rewards programs paid off on rent or one premium card, but never on the coffee, lunch and groceries that make up real daily life.

So we are building the agent we wanted: one that watches out for you, rewards you for the places you already go, and helps the independent businesses around campus win loyal customers without giving up a third of every sale.

Zorro is part of the NYU Leslie eLab Startup Bootcamp (Fall 2026). We are starting with one dense campus neighborhood around Washington Square and growing block by block.

Team
JS

Joshua Song

Co-founder

NYU

MK

Minjun Kang

Co-founder

NYU

Roadmap

One campus first. Then the next.

A rewards network is only useful when there is a partner on every walk. So we grow by density, not by spreading thin.

  1. NOW · FALL 2026

    Validate

    Student and merchant interviews around Washington Square, first partner commitments, and a hand-run cashback pilot.

  2. 2027

    NYU pilot

    App launch for NYU students with our first 40 partner businesses.

  3. 2028

    New York City

    Expansion to five NYC campuses and the neighborhoods around them.

  4. 2029

    College cities

    Three more college cities, Zorro Plus, and tools for partner businesses.

  5. 2030+

    National

    National brands join the ecosystem and Zorro opens to every young adult.

Planned milestones; timing may change as we learn from the pilot.

FAQ

Questions, answered.

Is Zorro free?

Yes. The Zorro agent, cashback and the data dividend are free for members. An optional Zorro Plus plan is planned for people who want the agent to cancel subscriptions and negotiate bills for them.

How does Zorro make money if it's free?

Partner businesses pay Zorro a small fee only after a Zorro member buys from them, and half of that fee goes back to you as cashback. We may also earn a disclosed referral fee when you choose to switch to a cheaper plan the agent finds. We earn when you save, never when you're short on cash.

Is Zorro an investing or crypto app?

No. Zorro does not trade stocks or crypto and does not hold your money. It is a savings agent and rewards network: it helps you keep more of what you earn and pays cashback in dollars.

Can Zorro move money out of my account?

No. Bank connections are read-only. Zorro can see transactions so the agent can find savings, but it cannot initiate transfers or payments.

Do you sell my data?

We never sell or share individual records. If you opt in, Zorro may include your activity in anonymized, aggregated trend reports, and you receive half of what those reports earn as a cash dividend. You can opt out at any time.

How is this different from rent or credit card rewards?

Those programs reward one large payment or one specific card. Zorro rewards the many small purchases you make every week, works across all your accounts, and actively cuts what you overpay.

When and where can I use Zorro?

Zorro is in development. Our pilot launches first for NYU students and partner businesses around Washington Square in 2027, then expands across New York City. Join the waitlist to be first in line.

I own a café or shop. How do I join?

Launch partners join free and get a fee-free first month. After that you pay only on sales from Zorro members. Reach out below and we will walk you through it in person.

Get early access

Be first in line when Zorro launches.

Choose your waitlist and leave your email. We will reach out when the NYU pilot opens.

For students who want to use Zorro: early access to the NYU pilot and member cashback.

Businesses, investors and press: hello@getzorro.me