Giuseppe Barbieri

Ex-banker building Onesta: the AI that shows households their true monthly interest cost across all debt — with full transparency.

[Giuseppe Barbieri @Gbarbieri_]

After 25 years inside consumer banking and selling AI to the biggest banks in North America, I finally built something for the households on the other side of the screen.

[Giuseppe Barbieri @Gbarbieri_]

If you could see one number about your finances today, what would it be?
Reply below.
We’re testing what actually helps real households make better decisions.

[Giuseppe Barbieri @Gbarbieri_]

Most financial tools make money when you choose the wrong product.
We’re doing the opposite.
Radical transparency first. No hidden fees. No biased recommendations.
Building Onesta the right way.

[Giuseppe Barbieri @Gbarbieri_]

Quick reality check:
An $8k credit card at 22% with minimum payments can take 27 years and cost you over $15k in interest.
Same debt, different outcome with better strategy.
Clarity changes everything.

[Giuseppe Barbieri @Gbarbieri_]

Claro shows you the real total cost of your debt in minutes.
No sales pitch. No affiliate games.
Just clarity.
Try it: https://t.co/I0HMMqjUMb

[Giuseppe Barbieri @Gbarbieri_]

After 25 years in banking, I saw the same pattern:
Households overpaying thousands in interest without realizing it.
Most only look at the monthly payment.
They never see the full cost.
That’s the problem I’m fixing with Onesta. (187 chars)

[Giuseppe Barbieri @Gbarbieri_]

Biggest hidden leak?
Carrying high-interest credit cards while paying down lower-rate debt first.
The math is brutal.
Small priority shifts can save thousands.
Most people never see the full picture.

[Giuseppe Barbieri @Gbarbieri_]

Week 1 share
Most common reaction so far isn’t “this is cool.”
It’s:
“I didn’t know that.”
That single reaction tells me alot.
Most households have never seen their total monthly interest cost across their mortgage, cards, and loans in one place.
That’s what Onesta tells them.

[Giuseppe Barbieri @Gbarbieri_]

Lenders designed it this way on purpose.

Mortgage here. Credit cards there. Auto loan somewhere else.

You can't optimize what you can't see.

[Giuseppe Barbieri @Gbarbieri_]

I spent 6 years at CIBC building home equity products.

Nobody tells you this: your mortgage rate isn't the number that matters most.

Your total monthly interest across everything you owe — that's the number.

No lender shows you that. We do.

[Giuseppe Barbieri @Gbarbieri_]

Building Onesta while selling AI full-time to the same banks I'm disrupting.

No co-founder. No funding. Just AI tools and 25 years knowing how the other side thinks.

Strange position. Also the only one that makes sense.

[Giuseppe Barbieri @Gbarbieri_]

Every comparison site you've used was paid to show you those results.

Not disclosed. Just... the order they appear in.

When Onesta recommends anything, we show exactly what we earn — before you click.

Best option pays us nothing? We show it first anyway.

[Giuseppe Barbieri @Gbarbieri_]

Quick question for homeowners:

Do you know your total monthly interest across your mortgage, cards, and auto loan?

Not the minimum payment. The interest. The part building nothing.

Most people are off by 40–60%.

[Giuseppe Barbieri @Gbarbieri_]

When I decided to build Onesta, I made one rule that wasn't negotiable.
If we ever recommend anything, we tell the household exactly what we earn from that recommendation.
Not in a footnote. Not in a terms page. Right, in plain sight.

[Giuseppe Barbieri @Gbarbieri_]

Quick question:

Do you know your total monthly interest cost across all your debt?

Most people don't. It's not on any statement. No lender shows you the combined picture.

We built something that does. Free, no login, 30 seconds.

https://t.co/Ysxxk7dkF5

[Giuseppe Barbieri @Gbarbieri_]

The site is live. 20+ households have already tried it.
"I didn't know that." "I needed this."
Free, no account, 30 seconds: https://t.co/Ysxxk7dkF5
What’s one thing you wish your lenders would just tell you plainly?

[Giuseppe Barbieri @Gbarbieri_]

After 25 years inside consumer banking and selling AI to the biggest banks in North America, I finally built something for the households on the other side of the screen.

[Giuseppe Barbieri @Gbarbieri_]

The system is fragmented by design. Mortgage here. Credit cards there. Auto loan somewhere else. You can’t optimize what you can’t see.

[Giuseppe Barbieri @Gbarbieri_]

The part that actually matters: When Onesta recommends a lender or product, we show you exactly what we earn from it — before you click. If a better option for you pays us nothing, we still show it. Onesta is Italian for honesty. In this case, it’s also the business model.

[Giuseppe Barbieri @Gbarbieri_]

So I built Onesta.
Enter your numbers. Claro — the AI inside — does the math most households never see:
→ Your true total monthly interest cost → Your single biggest leak → The one highest-impact move you could make right now
Plain language. 30 seconds. No login.