I’ve been working on a project called AristoCarWare. It started from noticing how broken car financing has become: • Americans owe $1.65T in auto loans (nearly 9% of household debt). • Average monthly payments are now $745 for new cars. • Over 1 in 4 trade-ins are underwater, meaning people owe thousands more than the car is worth.

Instead of locking people into 5–7 year loans or rigid leases, AristoCarWare works directly with dealerships to turn their idle inventory into subscription offerings. The goal is to: • Give consumers flexibility (swap or exit without negative equity). • Help dealerships generate recurring revenue. • Make costs transparent — no hidden fees.

We’re building the platform as a B2B2C model: dealerships manage the fleet, and AristoCarWare provides the subscription software, pricing tools, and user interface.

Landing page: [insert link]

I’d love feedback from this community on: • How you see the future of mobility — ownership vs. subscription. • Pitfalls to avoid in building a marketplace that has both dealership and consumer sides. • Thoughts on positioning: Should this start ultra-focused (single city, a few dealerships), or wide from the beginning?

Thanks in advance — open to any thoughts, criticisms, or tough questions.