Meet Nirit Rubenstein | CEO & Co-founder Dovly AI

We had the good fortune of connecting with Nirit Rubenstein and we’ve shared our conversation below.

Hi Nirit, we’d love to hear more about how you thought about starting your own business?
For me, it wasn’t about wanting to “be my own boss.” It was about seeing a broken system and knowing I could fix it. I’ve always been drawn to complex problems, and credit is one of the most important yet most confusing parts of people’s financial lives. I saw how intimidating and unfair it could be, and I couldn’t ignore the opportunity to build something that leveled the playing field.
Starting Dovly AI was about creating a solution that was clear, automated, and effective—something people could trust to manage credit without the noise and complexity. It wasn’t a leap of faith so much as a calculated decision: the problem was massive, the need was obvious, and I knew the timing was right.

Alright, so for those in our community who might not be familiar with your business, can you tell us more?
Dovly AI is the first intelligent credit health super app. We built it because credit is one of the most critical parts of financial health, but the system is stacked against consumers—confusing, intimidating, and often predatory. What sets us apart is that we don’t just “fix” credit in a narrow sense. We’ve created a complete credit care platform that helps people build, protect, and thrive, no matter where they are in their credit journey.
I’m most proud that we’ve grown Dovly AI into a business with over a million members and more than 15 million in credit points improved, but what excites me most is the impact: people getting approved for a first car, a first home, or just finally breathing easier because their financial future feels within reach.
Getting here wasn’t easy. Like any founder, I’ve had to push through fundraising hurdles, resource constraints, and moments where the odds felt stacked against us. What carried me through was persistence and the belief that solving a massive, painful problem was worth the grind. The biggest lesson I’ve learned is that progress takes resilience—you keep going even when it’s hard, and you surround yourself with people who believe in the mission as much as you do.
What I want the world to know about Dovly AI is this: we’re not just another fintech. We’re building a path to financial confidence for everyone, and we won’t stop until credit stops being a barrier to people’s goals.

Any places to eat or things to do that you can share with our readers? If they have a friend visiting town, what are some spots they could take them to?
If my best friend was visiting for a week in Phoenix (and cost was not an issue!) I’d build the trip around the things I actually love—great food, desert hikes, and plenty of downtime. We’d start most mornings with a hike—Camelback, Piestewa, or Pinnacle Peak—followed by a big brunch somewhere like The Henry, LGO, or Le Ame. Afternoons would be for unwinding: massages at one of the resorts (the spa at the Phoenician is a favorite), maybe lounging by the pool with cocktails. Evenings would be all about food—Elaphante, Steak 44 or Pyro for a splurge, Postino for something casual but always good.
We’d also carve out a day to head to Sedona—do a long hike, soak in the red rock views, and grab dinner before heading back. The week would be equal parts active and indulgent: mornings outside, afternoons recharging, and nights full of great meals and conversation.

Shoutout is all about shouting out others who you feel deserve additional recognition and exposure. Who would you like to shoutout?
I’d give a shoutout to my friend Lyrit. She came into my life right before I started Dovly AI, at a time when I was weighing whether to keep playing it safe or take a real bet on myself. She gave me the push to stop second-guessing and go build something of my own. That kind of encouragement at the right moment makes all the difference, and I’ll always give her credit for helping me step into entrepreneurship with conviction.

Website: https://www.dovly.com/

Linkedin: https://www.linkedin.com/in/nirit-rubenstein/