Panyar is an AI-powered system that automatically finds class action settlements you qualify for, disputes charges on your behalf, and reads terms of service to find unfair clauses. You connect your accounts and money appears — no effort required.

How does Panyar find class action settlements?

Panyar monitors thousands of active class action settlements and matches them against your purchase history, email receipts, and connected accounts. When we find a settlement you qualify for, we automatically file the claim on your behalf.

How much does Panyar cost?

Panyar takes a percentage of successful claims and recovered money. If we don't get you money, you pay nothing. There are no upfront fees or subscriptions.

What kind of charges can Panyar dispute?

Panyar can dispute overdraft fees, hidden charges, billing errors, service failures, subscription overcharges, and more. Our AI calls customer service, waits on hold, and argues your case using company policies.

PANYAR Version 1.0 — Automated reclamation system

Automatic Class Action Settlement Claims & Charge Disputes

Panyar finds and claims class action settlements you qualify for— automatically. It disputes hidden fees, overdraft charges, and billing errors on your behalf. It reads terms of service to find where you're being screwed.

The system monitors your connected financial accounts and email receipts for disputable charges and eligible class action settlements. Average user recovers $200-500 in money they didn't know they were owed.

You do nothing. Money appears. The AI handles everything — reading contracts, calling customer service, filing claims, arguing with corporations, and following up until you get paid.

Etymology

From Portuguese penhorar ("to seize as pledge"), via Latin pignorāre("to pawn"). Used along the West African coast, 17th-18th c., to describe seizing property as collateral. The word carries weight — reclaiming what's owed when the system won't help.

Status

All systems operational

↗ $2.4M recovered this month

↗ 847 settlements auto-claimed

↗ 12,847 disputes won

The System

Module name	Function	Revenue model
The Negotiator	AI calls customer service, waits on hold, argues disputes. Never tired, never accepts first no.	20-25% of recovered
Contract Assassin	Reads every T&C. Flags illegal clauses. Tells you exactly how you're being screwed.	Free (feeds pipeline)
Settlement Harvester	Monitors class actions, matches your history, auto-files claims. Money just appears.	15-20% of claimed
Receipts Vault	Indexes every purchase. When settlements drop, proof of purchase is ready.	Included

The Problem

Every system that extracts money from regular people relies on one mechanism: asymmetry. Corporations have lawyers, hold times, fine print, and bureaucracy. You have a lunch break.

The average person loses hundreds yearly to disputes abandoned because hold times are too long, contracts signed but never read, settlements qualified for but never claimed, fees technically illegal but never challenged.

Companies know this. They design for it. Friction = profit.

Manifesto

A ritual of slow reclamation, enacted by machines on behalf of humans who were never meant to win.

The spectacle of corporate immunity: A system reduced to performance for shareholders, where lived experience is replaced by quarterly reports and customer friction is a line item.
The manufactured helplessness: Hold times designed to break you. Terms written to confuse. Claims processes built to exhaust. This is not incompetence — it is architecture.
The moral absurdity of asymmetric warfare: They have AI to optimize extraction. You should have AI to optimize reclamation.
The commodification of patience:Your time is worth nothing to them. That's why they make you wait. An AI that waits for you is an act of economic rebellion.
The illusion of the social contract: Beneath every Terms of Service lies a system that rewards corporate obedience and punishes individual resistance. Until now.

Money Sitting on the Table

Consumer Electronics

Price-fixing settlements. Antitrust payouts. You bought headphones? You're owed money.

Social Media

Facebook, Instagram, Snapchat, TikTok. Privacy violations. Data harvesting. Multiple active settlements.

Banking

Overdraft fees. Hidden charges. Every major bank has paid out. Most customers never claimed.

Ride-sharing

Uber, Lyft. Labor violations. Fare manipulation. If you used them 2015-2020, check your eligibility.

Thesis

Every year, corporations extract billions from regular people through fine print, dark patterns, and bureaucratic friction. They bet you won't read the contract, won't wait on hold, won't file the claim.

Panyar is an AI that never sleeps, never gets tired, and never lets anything slide.

It reads every contract, disputes every charge, and claims every dollar you're owed.

You connect your accounts. Money starts appearing. That's it. That's the product.

Closed Beta

The system is currently in closed beta. Submit your email to request access.

Access is granted in the order requests are received.