The story
Founded by Cynthia Chen in 2019.1
Private company

Logo: kikoff.com3
American credit-building fintech company
Kikoff is a San Francisco-based fintech company that helps its users in the United States build and improve their credit. Kikoff provides users with an interest- and penalty-free revolving line of credit, used to make financial literacy purchases from its online store.2 It was founded by Cynthia Chen.1 Its chief executive is Cynthia Chen (since 2019).1 Wikipedia text CC BY-SA 4.0
Last updated Oct 21, 2026.
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Kikoff is a San Francisco-based fintech company that helps its users in the United States build and improve their credit. Kikoff provides users with an interest- and penalty-free revolving line of credit, used to make financial literacy purchases from its online store.2
Founded by Cynthia Chen in 2019.1
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