RBMH×INTUIT

Section 15 — Consumer financial intelligence

Credit Karma

HIGH — POTENTIALLY INCREASING

Acquired by Intuit in 2020 for approximately US$7.1 billion, Credit Karma has expanded from credit monitoring into broader personal financial management.

Relationship

Intuit subsidiary group

Acquisition

Acquired 2020 — approximately US$7.1 billion

Technology proximity

HIGH — POTENTIALLY INCREASING

Last reviewed

10 August 2026

Exhibit 21.01, FY2025

Disclosed entities

Credit Karma, LLCCredit Karma Mortgage, Inc.Credit Karma Offers, Inc.Credit Karma Real Estate, Inc.Karma Platform Services, Inc.Karma Rating Solutions, Inc.Karma Insurance Services, LLCRegional Credit Karma entities

Five-part analysis

Patent position mapping

Publicly evidenced

  • Credit monitoring and credit intelligence
  • Net Worth, helping users understand and manage financial position
  • Intuit stated in November 2025 that its consumer platform delivers personal-finance management by predicting and automating actions across credit, debt, money management, wealth building and tax preparation
  • In July 2026 Credit Karma described new AI-native tools intended to close the gap between financial information and financial action

Technology intersection

  • Income understanding
  • Expense understanding
  • Financial health
  • Liabilities
  • Credit
  • Future affordability
  • Financial recommendation
HIGH — POTENTIALLY INCREASING

RBMH differentiation

  • Credit Karma primarily guides users toward better financial outcomes.
  • The RBMH patent position potentially closes the next technical loop: using financial-state intelligence to control the authority to execute expenditure.

Strategic significance

  • Prediction plus automated action on the consumer side is the fastest-moving area of proximity in the entire Intuit portfolio and should be re-reviewed frequently.

Sequence

Architectural comparison

CREDIT KARMA

  1. 01Know
  2. 02Recommend
  3. 03Optimise

RBMH

  1. 01Know
  2. 02Predict
  3. 03Decide
  4. 04Authorise
  5. 05Execute
  6. 06Record
  7. 07Learn

Patent position scorecard — Credit Karma

Public evidence
Strong
Technology proximity
High / Increasing
Direct claim conclusion
Not Determined
RBMH differentiation potential
High
Strategic importance
Very High
Evidence quality
Primary Intuit Source
Last reviewed
10 August 2026

Publicly accessible sources

Evidence

Credit Karma

Credit Karma consumer platform

Current · CREDIT KARMA · Primary

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Intuit Inc.

Intuit Investor Relations — SEC filings including FY2025 Form 10-K

FY2025 · SEC · Primary (regulatory)

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Intuit Inc. (SEC)

Exhibit 21.01 — Subsidiaries of the Registrant

As of 18 August 2025 · SUBSIDIARIES · Primary (regulatory)

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