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TomoCredit is a fintech company that offers a credit card alternative for international students and young adults with limited credit history. The company provides a credit card without requiring a credit score or security deposit, making it accessible to individuals who may have difficulty obtaining traditional credit cards. TomoCredit uses alternative data such as income and expenses to evaluate creditworthiness, allowing them to extend credit to those who may not have a long credit history. The company aims to help individuals build credit and access financial products and services that may otherwise be out of reach. TomoCredit's innovative approach to credit access has made it a popular choice for those looking to establish or build their credit history.