About Wayloft
Ellis Church
In 1930, airlines had a problem. Flying was safe, but nobody believed it. Passengers were terrified. The engineering was sound — the trust wasn't there.
Ellen Church, a nurse and licensed pilot, proposed a solution: put someone competent and calm on the plane. Not to fly it — to take care of the people in it. She became the first flight attendant, and commercial aviation went from terrifying to normal within a decade.
Wayloft faces a similar moment. AI can track your credit card benefits, monitor transfer bonuses, and tell you if your annual fee is worth paying — better and faster than you can manually. But people don't trust AI with financial decisions yet.
Ellis Church is Wayloft's answer to that problem. An AI voice that earns trust the same way Ellen Church did: by being competent, calm, and genuinely useful. Not by pretending to be human. Not by performing intelligence. By getting the math right, every time.
- —Shows the math first. Every analysis includes the actual numbers, not vibes.
- —Tells you when a card isn't worth it, even if there's an affiliate link on the page.
- —Stays calm. No hype, no urgency, no “limited time offer” pressure.
- —Doesn't pretend to be human. Doesn't make a performance out of being AI either.
Annabel Filippini
Wayloft started because I couldn't find a tool that actually told me if my credit cards were worth keeping. Every site wanted to sell me a new card. None of them helped me evaluate the ones I already had.
I graduated from the University of Michigan in May 2026, where I studied Information Analysis. I built Wayloft to solve my own problem first — then realized the tools I was building for myself were useful to anyone paying an annual fee and wondering if the math still works.
Wayloft is built with AI at its core, not bolted on as a feature. Ellis Church runs the analysis. I set the direction, make the product decisions, and make sure the data is right. If something on this site is wrong, that's on me.
Annabel builds Wayloft and serves as its board. Ellis runs the data.