Credit-card points, airline miles, hotel nights — most of them die on the shelf. Not because people are careless, but because using them well is a part-time job: dozens of programs, transfer partners, ratios that shift monthly, award space that evaporates while you look at it. The banks are quietly fine with this arrangement. Points nobody redeems are pure profit.
I have this problem worse than almost anyone. I travel 35–45 weeks a year for work. The points pile up faster than any human process can spend them well — millions of them, across ten programs, for me and my wife. For years the "system" for using them was me, a spreadsheet, three browser tabs, and a lost weekend. It worked, barely, for one household — mine — and only when I did everything by hand.
So I built the thing I wished existed: Points & Prompts — a free site where you add your cards and programs and get honest answers about what your points are worth and how to actually use them. Its AI answers only from verified, receipt-backed transfer data. It never invents a ratio. No ads, no affiliate links, so it has no reason to sell you a card.
Then came the second problem: I didn't have time to build it — see "35–45 weeks a year," above. So I built a machine that builds it — we call it the Night Shift. Two AI agents in a closed loop: one plans and reviews, one executes — adversarial by design, wrapped in checks and balances, shipping to production while I'm on a plane. At its peak it merged about 30 pull requests in a single day with nobody at the keyboard. Lately the builder itself fans out: a wave of agents in parallel, each handed its own non-overlapping slice of the code so they never collide — one recent run shipped seventeen improvements at once with six agents working simultaneously.