[ { "id": 20, "name": "SlidePay", "slug": "slidepay", "former_names": [ "Cube" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a95cbb96c6b5ae3c541364a7180555d9f08fdab7.png", "website": "https://angel.co/slidepay", "all_locations": "Mountain View, CA, USA", "long_description": "SlidePay, formerly Cube, is an API that makes it easy for any app to accept credit cards that are processed in person. Integration takes hours, not weeks, and works on any platform or device.", "one_liner": "Banking and Payment Platform APIs. Exited October 2014.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1322045681, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/slidepay", "api": "https://yc-oss.github.io/api/batches/winter-2012/slidepay.json" }, { "id": 41, "name": "LendUp", "slug": "lendup", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e02a3171584165fc0741c7df4d77c95318d565fd.png", "website": "http://lendup.com", "all_locations": "San Francisco, CA, USA", "long_description": "Could a fintech company be built that helps people today, and prepares them for tomorrow? One that offers consumers high quality, mobile-first credit and savings products and protects them from tricks and traps? That’s LendUp. LendUp's mission is to provide anyone with a better path to financial health. \r\n\r\nWe believe there are two types of financial products: chutes and ladders. Ladders help people up, chutes push people down. One of our core values is that every product we offer at LendUp is a ladder, measured by the long-term financial well-being of our customers. LendUp credit cards, loans, and savings resources reflect our commitment to getting our customers to a better financial state.\r\n\r\nWe are a data-driven company and build all of our technology in-house. With a firm belief that you're more than your credit score, we're extending credit as aggressively as possible and helping solve for the income volatility and financial instability that affects more than 140 million Americans. \r\n\r\nWe are backed by more than $325 million in debt and equity financing from investors such as GV, PayPal, Y Combinator, QED Investors, Susa Ventures, Data Collective, Thomvest Ventures, Kleiner Perkins, Kapor Capital, Bronze Investments, radicle impact, Victory Park Capital, Reddit co-founder Alexis Ohanian, Gmail founder Paul Buchheit, Troy Carter, and many others.\r\n\r\nOne of our values is \"different backgrounds, same mission.\"​ We come from venerable Silicon Valley technology companies, major banks, nonprofits and law firms. We're former consumer advocates, regulators and academics. Together, we're bringing our mission to life. Join us!", "one_liner": "LendUp is a socially responsible company on a mission to redefine…", "team_size": 201, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1322045860, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lendup", "api": "https://yc-oss.github.io/api/batches/winter-2012/lendup.json" }, { "id": 42, "name": "Tilt", "slug": "tilt", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://tilt.com", "all_locations": "San Francisco, CA, USA", "long_description": "Tilt is a technology company that makes it easy for groups and communities to collect, fundraise, or pool money securely and effectively online. In addition to helping social organizers, the company is legally certified in securing fundraisers for non-profit organizations.", "one_liner": "Mobile crowdfunding: The easiest way to collect, fundraise, and sell…", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1322045868, "tags": [ "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tilt", "api": "https://yc-oss.github.io/api/batches/winter-2012/tilt.json" }, { "id": 60, "name": "Sendwave", "slug": "sendwave", "former_names": [ "Wave", "Brew", "Chime" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bbfeae646cc8051b5ad469413e67295e9fae353.png", "website": "https://www.sendwave.com", "all_locations": "Boston, MA, USA; Remote", "long_description": "Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.", "one_liner": "Instant, no fee international remittances.", "team_size": 350, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625089349, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sendwave", "api": "https://yc-oss.github.io/api/batches/winter-2012/sendwave.json" }, { "id": 64, "name": "Y Combinator", "slug": "y-combinator", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db694dd7905db37d037821a2fdaf9fa0708a964.png", "website": "https://www.ycombinator.com", "all_locations": "", "long_description": "Make something people want.", "one_liner": "Make something people want.", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1322046644, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Unspecified", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/y-combinator", "api": "https://yc-oss.github.io/api/batches/unspecified/y-combinator.json" }, { "id": 80, "name": "Debteye", "slug": "debteye", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://debteye.com", "all_locations": "Chicago, IL, USA", "long_description": "Automate credit counseling.", "one_liner": "Automate credit counseling.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789106, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/debteye", "api": "https://yc-oss.github.io/api/batches/summer-2011/debteye.json" }, { "id": 98, "name": "GoCardless", "slug": "gocardless", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ccdabab089f9b89cedc7a361ae2e169d4d6a942.png", "website": "http://gocardless.com", "all_locations": "London, England, United Kingdom", "long_description": "At GoCardless we believe that bank payments are the best way to pay and get paid. We help businesses collect both recurring and one-off payments, without the chasing, stress or expensive fees.\r\n\r\nWe’re building a global bank payment network that lets people make and collect payments straight from their bank account, across multiple countries and currencies. 75,000+ businesses around the world trust us to power their payments. We enable them to collect payments from 30+ countries, processing over $30 billion each year.\r\n\r\nOur suite of add-on products are helping businesses face their payment challenges head on. From automatically recovering failed payments, to challenging charge backs and fighting fraud - all without compromising their customer’s payment experience.\r\n\r\nOur open banking leadership unlocks the ability to make and accept direct bank payments confidently and securely. And our acquisition of Nordigen means we’re also helping businesses make faster and more informed decisions by accessing and generating insights from their customers’ bank account data.\r\n\r\nWe’re also backed by some of the world’s leading investors including Accel Partners, Bain Capital Ventures, Balderton Capital, GV (formerly Google Ventures), Notion Capital, Passion Capital, Permira and Salesforce Ventures. We're a global team, with offices in London, Paris, Riga, Melbourne and New York.", "one_liner": "We’re building the world’s bank payment network.", "team_size": 900, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789297, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gocardless", "api": "https://yc-oss.github.io/api/batches/summer-2011/gocardless.json" }, { "id": 100, "name": "MarketBrief", "slug": "marketbrief", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://marketbrief.com", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "MarketBrief analyzes 30,000+ trusted documents per day looking for relevant business headlines and breaking news all within fractions of a second.", "one_liner": "Generate stories from SEC filings.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789316, "tags": [ "Analytics" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/marketbrief", "api": "https://yc-oss.github.io/api/batches/summer-2011/marketbrief.json" }, { "id": 120, "name": "Leaky", "slug": "leaky", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd84096638821143234fa64c438277bfe5cbc4e7.png", "website": "http://leaky.com", "all_locations": "San Francisco, CA, USA", "long_description": "Leaky is the best, free way to compare insurance.\r\n\r\nWith Leaky, we let you compare both prices and personalized quality scores for the largest insurers in the US. Insurance doesn't need to be scary, and so we do our best to help you through the process of comparing, shopping, and buying insurance.", "one_liner": "Online auto and business insurance. (Acquired 2013)", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789556, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/leaky", "api": "https://yc-oss.github.io/api/batches/summer-2011/leaky.json" }, { "id": 149, "name": "Tremendous", "slug": "tremendous", "former_names": [ "GiftRocket" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4113d9f505976529d750df754ce34c986d9cf14a.png", "website": "https://www.tremendous.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Tremendous is a payouts platform for businesses to send money and gift cards to anyone, anywhere. Used by 25k+ companies for one-time payments, including research compensation, marketing incentives, and employee recognition.", "one_liner": "How businesses send money to people at scale. Fast, free, global.", "team_size": 150, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326789805, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tremendous", "api": "https://yc-oss.github.io/api/batches/winter-2011/tremendous.json" }, { "id": 161, "name": "Balanced", "slug": "balanced", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://balancedpayments.com", "all_locations": "San Francisco, CA, USA", "long_description": "Payments for Marketplaces.\n\nWe're obsessed with all forms of infrastructure, including communications, transportation, energy, waste management, and payments. Robust infrastructure creates a happier, more productive, and more prosperous society. You know exactly what I mean if you've traveled somewhere where you struggled to find a reliable Internet connect or even usable roads. You also know what I mean when you sit in traffic or struggle with public transportation (or lack thereof) in the US.\n\nBalanced was created to increase the global economy (increase GDP) by enabling new commerce. Our mechanism or facility to do that is payments. Everything else we do depends on how it fits into the vision for Balanced.", "one_liner": "Payments for Marketplaces", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789931, "tags": [ "Marketplace", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/balanced", "api": "https://yc-oss.github.io/api/batches/winter-2011/balanced.json" }, { "id": 166, "name": "TrustEgg", "slug": "trustegg", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://fidoosh.com", "all_locations": "Culver City, CA, USA", "long_description": "TrustEgg is the simple, social way to save for a child's future.\n\nTrustEgg will dramatically change the US savings rate, one child at a time.\n\nTrustEgg enables parents to create a Trust for their child in minutes for free. Parents can invite family and friends to make contributions. The Trust Fund is invested with Vanguard and earns a market rate of return until the child turns 18.\n\nThe simple, social nature of TrustEgg will dramatically change the savings rate for the 70+ million children in the US.", "one_liner": "Trust funds.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1326789973, "tags": [ "Finance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/trustegg", "api": "https://yc-oss.github.io/api/batches/winter-2011/trustegg.json" }, { "id": 197, "name": "FutureAdvisor", "slug": "futureadvisor", "former_names": [ "Future Advisor" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9646d12ef702815678b089d1127fdf3de037009.png", "website": "http://futureadvisor.com", "all_locations": "San Francisco, CA, USA", "long_description": "FutureAdvisor is an award-winning digital wealth management firm serving client households nationwide from our offices in San Francisco. We use software to power a wealth management experience accessible to everyone, at less than half the price charged by traditional firms. Our clients are the mass-affluent investors underserved by traditional financial advisory and wealth management firms. \r\n\r\nFutureAdvisor is leading a shift in financial services towards transparency, convenience and inclusion.\r\n\r\nFutureAdvisor is looking for engineers to help build better portfolio management tools for everyone. Our unbiased financial advice is giving middle- and working-class families powerful tools they never had access to before, and they're free. If our mission strikes a chord with you, please send us your resume: https://www.futureadvisor.com/jobs\r\n\r\nSocial Media Community Policy: \r\n\r\nContent posted here by third-parties about FutureAdvisor remains the responsibility of the party posting the content, and is neither endorsed by FutureAdvisor nor representative of FutureAdvisor's viewpoints. Any opinions or statements posted by third parties are their own, and may not be indicative of others'​ experience or future performance or success. FutureAdvisor does not endorse or adopt any content on a third-party site linked to from this page. At its discretion, FutureAdvisor may remove any content containing violations of securities regulations; lewdness, personal attacks or obscenity; comments irrelevant to the topic at hand; or unsolicited advertisements and spam.", "one_liner": "The online financial management service for everyone.", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326790216, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2010", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/futureadvisor", "api": "https://yc-oss.github.io/api/batches/summer-2010/futureadvisor.json" }, { "id": 203, "name": "Ready For Zero", "slug": "ready-for-zero", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://readyforzero.com", "all_locations": "Los Angeles, CA, USA", "long_description": "ReadyForZero creates online financial tools for managing debt automatically. ReadyForZero users create plans, make payments, monitor credit and track their progress via the web or mobile. \r\n\r\nAs of 2015, customers paid down over $250 million in debt - on their own. ReadyForZero was acquired by Avant.", "one_liner": "Personal debt and credit management. Acquired by Avant in 2015.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326790262, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2010", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ready-for-zero", "api": "https://yc-oss.github.io/api/batches/summer-2010/ready-for-zero.json" }, { "id": 240, "name": "Stripe", "slug": "stripe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e5ccedd9995f6524b4a0379062eb67f7c991613e.png", "website": "http://stripe.com", "all_locations": "San Francisco, CA, USA", "long_description": "Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.", "one_liner": "Economic infrastructure for the internet.", "team_size": 7000, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1326790584, "tags": [ "Banking as a Service", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Summer 2009", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stripe", "api": "https://yc-oss.github.io/api/batches/summer-2009/stripe.json" }, { "id": 244, "name": "WePay", "slug": "wepay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5bafed02435325734c5fec395dabe88c19ce051c.png", "website": "http://wepay.com", "all_locations": "Redwood City, CA, USA", "long_description": "WePay is a multi-party payments API for SMB SaaS, POS Platforms, and Online Marketplaces. It was acquired by JPMorgan Chase in 2018.", "one_liner": "Payments for platform businesses.", "team_size": 400, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326790615, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2009", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": false, "question_answers": false, "url": "https://www.ycombinator.com/companies/wepay", "api": "https://yc-oss.github.io/api/batches/summer-2009/wepay.json" }, { "id": 316, "name": "Tipjoy", "slug": "tipjoy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd401f9e4467d016fa8fbbd5917f2e2d0039c429.png", "website": "http://tipjoy.com", "all_locations": "", "long_description": "Tipjoy was a simple, social payments engine that allowed merchants to sell digital content and features, charities to raise money for causes, and individuals to give money to one another.\r\n\r\nTipjoy was a Winter '08 Y Combinator participant.", "one_liner": "social micropayments", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326791261, "tags": [ "Payments", "Social" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2008", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tipjoy", "api": "https://yc-oss.github.io/api/batches/winter-2008/tipjoy.json" }, { "id": 347, "name": "Buxfer", "slug": "buxfer", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cdaac815b43bc63142ff763d4ba39ec6d9553b9.png", "website": "https://www.buxfer.com", "all_locations": "Santa Clara, CA, USA", "long_description": "", "one_liner": "Buxfer helps you make better spending decisions by making it easy to…", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326791521, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2007", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/buxfer", "api": "https://yc-oss.github.io/api/batches/winter-2007/buxfer.json" }, { "id": 374, "name": "TextPayMe", "slug": "textpayme", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://textpayme.com", "all_locations": "Redmond, WA, USA", "long_description": "Founded in 2005, TextPayMe is an SMS payment service that lets you send money to other people using cell phone text messaging. TextPayMe lets you send money to anyone else in the US with an SMS-capable cell phone, and while phone carriers may charge for the actual text message sent/received, sending and receiving money is free while TextPayMe remains in Beta.\n\nIn July 2006, the TextPayMe team started working for Amazon and, as of 2011, the site redirects to an Amazon's mobile payment website. There was no press release related to this event but it's assumed the company was acquired.\n\nSending and receiving payments through TextPayMe is easy: simply write a text message to SMS@TextPayMe.com with \"pay amount phonenumber\" in the body (i.e. to send $5 to 123-456-7890, text \"pay 5 1234567890\"). The service is secure as well, as each payment needs to be confirmed by a user-created PIN. To fund your transactions, TextPayMe lets you add money directly from your bank account and now also lets you link your credit card as well. Currently, the maximum amount that can be sent or received per month is $500.", "one_liner": "", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326791686, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2005", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/textpayme", "api": "https://yc-oss.github.io/api/batches/summer-2005/textpayme.json" }, { "id": 414, "name": "SmartAsset", "slug": "smartasset", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d79adb13b4acb20f9e08e876a7ad54319a3e7a10.png", "website": "http://smartasset.com", "all_locations": "New York, NY, USA; Remote", "long_description": "SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. \r\n\r\nAdditionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.", "one_liner": "Marketplace connecting consumers to financial advisors", "team_size": 210, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1336096730, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Summer 2012", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/smartasset", "api": "https://yc-oss.github.io/api/batches/summer-2012/smartasset.json" }, { "id": 415, "name": "FundersClub", "slug": "fundersclub", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c061cb24a07575fbc87416275d710b7b6280df2f.png", "website": "https://fundersclub.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "FundersClub discovers, funds, and supports the world's best technology startups. FundersClub created the first online venture capital platform and invests starting at Seed, following on through Growth. The portfolio includes Coinbase, Instacart, Webflow, GitLab, Flexport, Rippling, and other category-defining companies.", "one_liner": "Online VC", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1336096737, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2012", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fundersclub", "api": "https://yc-oss.github.io/api/batches/summer-2012/fundersclub.json" }, { "id": 439, "name": "Coinbase", "slug": "coinbase", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1169cb0b69fa7b338b5d51c2d3805f8f988bdfa5.png", "website": "https://www.coinbase.com", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "Founded in June of 2012, Coinbase is a digital currency wallet and platform where merchants and consumers can transact with new digital currencies like bitcoin, ethereum, and litecoin. Our vision is to bring more innovation, efficiency, and equality of opportunity to the world by building an open financial system. Our first step on that journey is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more intuitive to use.", "one_liner": "Buy, sell, and manage cryptocurrencies.", "team_size": 6112, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1336096943, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2012", "status": "Public", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coinbase", "api": "https://yc-oss.github.io/api/batches/summer-2012/coinbase.json" }, { "id": 503, "name": "Wefunder", "slug": "wefunder", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/86fe89dc40132aeb8f280105ad161eb9c7281ebc.png", "website": "http://wefunder.com", "all_locations": "San Francisco, CA, USA", "long_description": "We help everyone invest in startups that they care about.\r\n\r\nWe believe that when all Americans can invest in innovation, the world will be a better place. And soon, our dream will become a reality. Thanks to the JOBS Act, everyone — not just the wealthy — can invest as little as $100 in the startups they care about. Not only does this open up the pool of investors, and increase the amount of great ideas that get funded, but it allows startups to grow an army of passionate investors who truly want to see them succeed. Second tier VC’s will become obsolete as startups tap their lead users and customers for quick early investments.", "one_liner": "We're Robinhood for pre-IPO startups. Everyone can invest $100.", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1354492868, "tags": [ "Fintech", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2013", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/wefunder", "api": "https://yc-oss.github.io/api/batches/winter-2013/wefunder.json" }, { "id": 504, "name": "Coin", "slug": "coin", "former_names": [ "Coin" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://onlycoin.com", "all_locations": "San Francisco, CA, USA", "long_description": "Coin is a consumer electronics and financial technology company bringing simplicity and security to payments. Through the Coin developer program, wearables makers now have a turnkey solution for integrating secure payments into their devices (e.g. fitness trackers, smartwatches, jewelry). Follow the company on Twitter @coin or learn more about the Coin developer program at http://developer.onlycoin.com.\n\nCoin 2.0 smart payment device\nCoin 2.0 is a secure smart device that has the form factor of a credit card, but it holds your cards in one - including your credit, debit, gift and loyalty cards. Coin 2.0 lets you swipe or tap your cards at millions of merchants across the USA. Coin 2.0 has 80%+ compatibility, partly because we use cutting-edge technology that has not yet been integrated into all point-of-sale systems. We encourage customers to carry a “backup card” given the wide variety of sales registers in the USA. While Coin 2.0 shares the same form factor as a credit card, it features enhancements such as an electronic display and a single button to allow for simple switching between different cards. With over-the-air updates, Coin 2.0 adapts to evolving payment technology, offering future-ready ubiquity in a small and powerful package. Coin's security features also keep your information safe. Auto-unlock means that only you can use your Coin 2.0 while Last Known Location helps you find your Coin 2.0 in case of loss or theft. Coin 2.0 is designed for use in the USA. To verify identify, a Social Security Number is required.\n\nWebsite: https://onlycoin.com\nVideo: https://youtu.be/gJBZMUuhUrw", "one_liner": "A mobile wallet that allows you to pay everywhere credit cards are…", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1354492879, "tags": [ "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2013", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coin", "api": "https://yc-oss.github.io/api/batches/winter-2013/coin.json" }, { "id": 523, "name": "Standard Treasury", "slug": "standard-treasury", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "website": "http://standardtreasury.com", "all_locations": "San Francisco, CA, USA", "long_description": "Standard Treasury helped banks harness the power of developers and developer ecosystems by building, hosting, maintaining, and supporting white-labeled and co-branded developer platforms for banks worldwide. Standard Treasury partner banks saw material top-line growth through the decreased cost of servicing their customers, decreased churn, and increased transaction volumes, while delivering tremendous value to their customers by allowing them to radically automate their treasury management and accounting processes.", "one_liner": "Banking APIs; acquired by Silicon Valley Bank in August 2015", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523391, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/standard-treasury", "api": "https://yc-oss.github.io/api/batches/summer-2013/standard-treasury.json" }, { "id": 527, "name": "Buttercoin", "slug": "buttercoin", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://buttercoin.com", "all_locations": "New York City, NY, USA; Palo Alto, CA, USA", "long_description": "Buttercoin is an open source, high-volume digital trading engine used to arrange trades in an order book.", "one_liner": "Bitcoin Marketplace", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523424, "tags": [ "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/buttercoin", "api": "https://yc-oss.github.io/api/batches/summer-2013/buttercoin.json" }, { "id": 556, "name": "Arcus", "slug": "arcus", "former_names": [ "Regalii", "Arcus (Regalii)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aec220d04601dd15bfec9a15721da8ac54ba82b6.png", "website": "http://arcusfi.com", "all_locations": "New York, NY, USA; Mexico City, CDMX, Mexico; Miami, FL, USA", "long_description": "Payments-as-a-service (“PaaS”) platform that enables any business to launch and offer innovative payment solutions across LatAm. Our mission is to make payments possible for everyone.\r\n\r\nWe strive to improve people’s financial health by helping our clients empower their users, giving them a better way to manage their payments.\r\n\r\nThe world’s largest and most innovative companies choose Arcus to accept and process payments across the Americas including BBVA, Santander, Walmart, 7-Eleven, and Rappi. Arcus was launched in 2013 through Y-Combinator and is backed by Ignia, Citi Ventures, Softbank, Initialized Capital, Andreessen Horowitz, Kapor Capital, among others.", "one_liner": "Payment-as-a-service that helps any business launch payment solutions", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523698, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "Mexico", "America / Canada", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/arcus", "api": "https://yc-oss.github.io/api/batches/summer-2013/arcus.json" }, { "id": 563, "name": "True Link", "slug": "true-link", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1b794ee20f4526f19cea991d495b3ed835119dbc.png", "website": "https://www.truelinkfinancial.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "True Link exists to provide life-changing financial solutions for people with complex needs and the people who care for them. We founded the company to make life better for our own loved ones, and we’re honored to serve vulnerable elders, people with disabilities, and people in recovery – and their families and professional caregivers – day in and day out.\r\n\r\nWe’re a caring, diverse, values-driven company, with customers who say things like, “Your company saved my marriage,” “If not for True Link my Son would have returned to substance use,” and “This is the single best product I have ever experienced.” We’re a fast-growing fintech startup that also gets to provide our customers a life-changing solution to some of the most deeply personal, important problems in their lives.", "one_liner": "Financial Services for Financial Caregivers. ", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1367523785, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/true-link", "api": "https://yc-oss.github.io/api/batches/summer-2013/true-link.json" }, { "id": 597, "name": "Axoni", "slug": "axoni", "former_names": [ "TradeBlock" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "website": "https://axoni.com", "all_locations": "New York, NY, USA", "long_description": "Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools. ", "one_liner": "Axoni is building the next generation of capital markets technology", "team_size": 155, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1384978765, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/axoni", "api": "https://yc-oss.github.io/api/batches/winter-2014/axoni.json" }, { "id": 607, "name": "HoverChat", "slug": "hoverchat", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://hoverchat.com", "all_locations": "Santa Clara, CA, USA", "long_description": "HoverChat is an app focused on making messaging more of a multi-tasking experience and allow users to use the messaging service without interrupting their work flow.\n\nThe app is currently available on Android phones.", "one_liner": "Message without interrupting what you're doing", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1384978889, "tags": [ "Messaging" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hoverchat", "api": "https://yc-oss.github.io/api/batches/winter-2014/hoverchat.json" }, { "id": 611, "name": "Theorem", "slug": "theorem", "former_names": [ "Algorithmic Lending", "Theorem LP" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a07fab3a68d06eb74f5105810d2d86f8ba404c4d.png", "website": "http://theoremlp.com", "all_locations": "San Francisco, CA, USA", "long_description": "Theorem conducts independent underwriting of consumer loans originated by banks, credit cards companies and other lenders. We utilize this information to manage institutional capital and securitize loans", "one_liner": "The mission of Theorem is to make credit safe and available. We use…", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1384978922, "tags": [ "Fintech", "Machine Learning" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/theorem", "api": "https://yc-oss.github.io/api/batches/winter-2014/theorem.json" }, { "id": 633, "name": "Zidisha", "slug": "zidisha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "website": "https://www.zidisha.org", "all_locations": "Sterling, VA, USA; Remote", "long_description": "Zidisha is the world's first direct peer-to-peer lending service to bridge the international wealth divide, allowing individuals worldwide to lend to and communicate with borrowers in developing countries without local intermediaries. The direct connection creates better transparency, more profit for the entrepreneurs and lenders, and greater wealth creation for the world's poorest communities. We've been featured in numerous press and media for our groundbreaking work in using internet and mobile phone technologies to connect entrepreneurs in some of the world's most isolated and impoverished places with the international peer-to-peer lending market.", "one_liner": "Direct P2P lending across the international wealth divide.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1384979110, "tags": [ "Fintech", "Marketplace", "Community", "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": true, "batch": "Winter 2014", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zidisha", "api": "https://yc-oss.github.io/api/batches/winter-2014/zidisha.json" }, { "id": 658, "name": "Billforward", "slug": "billforward", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.billforward.io/", "all_locations": "San Francisco, CA, USA", "long_description": "San Francisco-based BillForward a YCombinator company is comprised of talented and passionate folks who are excited by the challenges and opportunities of subscription billing. We offer a flexible and innovative billing platform, which gives any type of recurring-payment based businesses the ability to bill customers for sophisticated products and carry out in-depth revenue analysis.\r\n\r\nLaunched in Jan 2013 the platform has already gained great traction in the Telecoms, SaaS, Product as Service and Platform as a Service industries, where product managers and CFO’s have realized that the ability to change their offering in hours, rather than weeks, can give them an edge on the competition.", "one_liner": "Subscription billing, rate plan management and analytics as a…", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907625, "tags": [ "Analytics", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/billforward", "api": "https://yc-oss.github.io/api/batches/summer-2014/billforward.json" }, { "id": 659, "name": "Bitaccess", "slug": "bitaccess", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08fc941c091f26331f34ae8c8b4c5585da5e276.png", "website": "http://bitaccess.com", "all_locations": "Ottawa, ON, Canada; Toronto, ON, Canada", "long_description": "We make enterprise software for crypto.\r\n\r\nOur leading product is a Bitcoin ATM. Customers have converted over $1B USD of cash into Bitcoin at our network.", "one_liner": "We make bitcoin simple. ", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907635, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bitaccess", "api": "https://yc-oss.github.io/api/batches/summer-2014/bitaccess.json" }, { "id": 664, "name": "Clear", "slug": "cleartax", "former_names": [ "ClearTax" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b9c7802fe390e275d36ad0835a41223e647bcf5a.png", "website": "https://clear.in/", "all_locations": "Bengaluru, KA, India", "long_description": "\r\nOur mission is to simplify finances, save money and time for millions of Indian businesses and people. We are a technology company that builds trusted, useful and insightful platforms for our clients to run their finances and improve their relationship with money.", "one_liner": "Fintech SaaS platform for invoices, taxes, wealth management & credit.", "team_size": 900, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1398907674, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cleartax", "api": "https://yc-oss.github.io/api/batches/summer-2014/cleartax.json" }, { "id": 668, "name": "Owners Circle", "slug": "owners-circle", "former_names": [ "Local Lift", "Equity Endeavor" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.ownerscircle.com", "all_locations": "Berkeley, CA, USA", "long_description": "OwnersCircle provides small business owners with the online tools and financial information that they need in order to navigate the complex world of business financing.\r\n\r\nThe reality is that there is no easy way to search for small business financial products, which creates a headache for already time-strapped business owners. Recent reports show that owners spend an enormous amount of time (25 hrs on average) searching and applying for loan products, with many focusing on lenders that have high rejection rates and long, complex processes.\r\n\r\nThere's a better way! There are a growing number of banks and alternative lenders that want to work with small businesses and are willing to compete for their business. Our platform provides owners with the information they need in order to identify, compare, and apply for financial products that can help take their business to the next level.\r\n\r\n\r\nWhy Use OwnersCircle?\r\n\r\n1. Get access to free, online tools to identify financial institutions that actively lend to growing small businesses\r\n2. Shop and compare a variety of lenders and their loan products \r\n3. Use one platform to complete your financing search versus spending countless days researching and completing lender applications only to find out you're not a fit\r\n4. Free access to our team of funding consultants to answer any questions you may have throughout the process\r\n\r\n\r\nWhat Types of Business Financial Products does OwnersCircle Include?\r\n\r\n- Lender Types: Local Banks and Alternative Lenders\r\n- Product Types: SBA Term Loans, Bank Term Loans, Alternative Term Loans, Asset-based Loans and more\r\n\r\n\r\nWhy Would I Need Business Financing?\r\n\r\nNew location or remodel current space\r\nPurchase inventory\r\nPurchase equipment\r\nHire additional employees\r\nManage cash flow\r\nRefinance/consolidate current debt\r\nMarketing and advertising", "one_liner": "Kickstarter for local businesses", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1398907702, "tags": [ "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/owners-circle", "api": "https://yc-oss.github.io/api/batches/summer-2014/owners-circle.json" }, { "id": 682, "name": "Kash", "slug": "kash", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://withkash.com", "all_locations": "San Francisco, CA, USA", "long_description": "Kash is a San Francisco-based mobile payment company that clears transactions without interchange or card fees and is guaranteed against chargeback. The company gets rid of credit cards and middle-men that stand between bank accounts and retailers. It uses SecureDebit technology, a direct bank payment method that avoids the credit card network and allows retailers to save 2% to 5% in transaction processing fees. Kash uses its funding received from Draper Associates, Green Visor Capital, and Structure Capital to develop, market, and expand its mobile payments technology.", "one_liner": "We are fixing how money works.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907814, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kash", "api": "https://yc-oss.github.io/api/batches/summer-2014/kash.json" }, { "id": 698, "name": "Cheddar", "slug": "cheddar", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://cheddar.io", "all_locations": "", "long_description": "Ditch your bare-bones, high-fee checking account. You deserve free and powerful everyday banking.\r\n\r\nNearly 3 out of 4 millennials would rather go to the dentist than listen to their bank. While it's possible that we just really love our oral hygiene, it's more likely that we don't trust or like our banks.\r\n\r\nIt's not hard to understand why. Big banks use big budgets and armies of salespeople and marketers to sell old-school products layered with fees and penalties. Their profits increase when we spend more, overuse debt, and make mistakes like overdrafting.\r\n\r\nBig banks get away with this because banking is such a vital service. Everyday spending and saving decisions that begin at the checking account ultimately determine whether we'll lead a healthy and secure financial life.\r\n\r\nWhat can be done? Bill Gates believes banks aren't necessary for banking. Millennials believe technology companies can make banking better. So let's build a better bank. Cheddar is a new mobile bank account, debit card, and business model to free the world from underpowered checking accounts and evil banks.", "one_liner": "The Best Mobile Checking Account", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907951, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cheddar", "api": "https://yc-oss.github.io/api/batches/summer-2014/cheddar.json" }, { "id": 702, "name": "SFOX", "slug": "sfox", "former_names": [ "San Francisco Open Exchange" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a274dfcb73df4022ba335a9f013ebc1f51ffa2d7.png", "website": "http://sfox.com", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "SFOX, a YC-backed company, makes it easy for enterprises to trade bitcoin. We started with an advanced trading platform that uses algorithms to provide a competitive advantage to our customers. SFOX now aims to expand international commerce by making it easy to trade any currency and settle in real time.", "one_liner": "Crypto-currency trading platform.", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907976, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": false, "question_answers": false, "url": "https://www.ycombinator.com/companies/sfox", "api": "https://yc-oss.github.io/api/batches/summer-2014/sfox.json" }, { "id": 704, "name": "Apto Payments", "slug": "apto-payments", "former_names": [ "Shift", "Apto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/75e540aa00e6d4d7c686312ec0d7b3d44772f12e.png", "website": "https://www.aptopayments.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Apto Payments provides a white-label, turnkey solution to launch innovative, user-first, card programs. Our technology empowers our customers to issue Visa and Mastercard, physical and virtual, card programs. We have both a developer-first, Instant Issuance Platform, as well as an enterprise solution for bespoke opportunities. ", "one_liner": "API platform for partners to issue branded debit and credit cards to…", "team_size": 32, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907989, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/apto-payments", "api": "https://yc-oss.github.io/api/batches/summer-2014/apto-payments.json" }, { "id": 716, "name": "Tinker", "slug": "tinker", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://www.tinkercorp.com", "all_locations": "Waterloo, ON, Canada", "long_description": "Tinker is a cryptocurrency electronic trading & market making firm, founded in 2014. At our peak we've processed $10m+ in daily volumes and represented 10-20% of all BTCUSD trading on regulated exchanges.", "one_liner": "Digital Currency Market Making", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1398908087, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Canada", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tinker", "api": "https://yc-oss.github.io/api/batches/summer-2014/tinker.json" }, { "id": 736, "name": "Sliced Investing", "slug": "sliced-investing", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "", "all_locations": "San Francisco, CA, USA", "long_description": "Sliced Investing is online platform that provides access to top private investments for financial advisors and accredited investors. Sliced automates all of the previously manual processes associated with making an alternative investment, facilitating electronic signing of subscription documents and streamlined reporting. Sliced's Advisor workstation allows financial advisors a one stop shop for their alternative investments and integrates seamlessly with leading custodians, reporting platforms and file storage systems.", "one_liner": "Crowdfunding for hedge funds", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1401534888, "tags": [ "Crowdfunding", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sliced-investing", "api": "https://yc-oss.github.io/api/batches/summer-2014/sliced-investing.json" }, { "id": 743, "name": "Final", "slug": "final", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9f9365e5ac7dcefbab5bfab9129637279050427.png", "website": "http://getfinal.com", "all_locations": "Oakland, CA, USA", "long_description": "At Final, we are re-building the credit card from the ground up. \r\n\r\nFinal is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences. Rather than a single, 16-digit card number, Final generates multiple card numbers and manages them automatically.\r\n\r\nIt works everywhere you buy; online, and offline, and integrates with digital wallets like Google Wallet and ApplePay with zero updates to the payment infrastructure. Bottom line - with Final, you’ll never lose access to your spending ability from a breach, fraud, cancelled or stolen card ever again.", "one_liner": "A credit card that drastically reduces payment fraud and gives…", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1415700217, "tags": [ "Payments", "Security" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/final", "api": "https://yc-oss.github.io/api/batches/winter-2015/final.json" }, { "id": 763, "name": "Bankjoy", "slug": "bankjoy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/134b12b221534d10b8b6f4ff8ae5da4a440320ad.png", "website": "http://bankjoy.com", "all_locations": "Troy, MI, USA; Remote", "long_description": "Bankjoy provides a full suite of modern digital banking software, including mobile banking, online banking, online account opening, loan applications, and conversational AI to banks and credit unions.", "one_liner": "An end-to-end digital banking solution for banks and credit unions", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1416220006, "tags": [ "Banking as a Service", "Conversational Banking", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bankjoy", "api": "https://yc-oss.github.io/api/batches/winter-2015/bankjoy.json" }, { "id": 765, "name": "SparkGift", "slug": "sparkgift", "former_names": [ "Spark Gift" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://sparkgift.com", "all_locations": "San Francisco, CA, USA", "long_description": "SparkGift is a Y Combinator backed technology startup that makes it easy to give investments as gifts. \r\n\r\nThe founders came together with a common vision that it should be as easy to give someone an investment in the future, as it is to give someone a retail gift card. SparkGift supports small dollar gifts and fractional shares, so you can give someone a $20 investment in Apple or a Vanguard index fund.\r\n\r\nSparkGift is creating products that make investing simple, enjoyable and accessible to the masses. Our mission is to use gifts to create new savers & investors at scale.", "one_liner": "SparkGift makes it easy to send stocks and index funds as gifts to…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1416220097, "tags": [ "Investing", "Stocks" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sparkgift", "api": "https://yc-oss.github.io/api/batches/winter-2015/sparkgift.json" }, { "id": 770, "name": "Instavest", "slug": "instavest", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://goinstavest.com", "all_locations": "Mountain View, CA, USA", "long_description": "Investors can list their trades on Instavest, including the company, share amount and rationale behind the investment. Other users can invest alongside the people willing to share their own purchases and sales. Instavest encourages you to block out a portion of your profits — in the neighborhood of 5 percent — that might arise from the transaction for the original listing entity.", "one_liner": "", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1416220493, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/instavest", "api": "https://yc-oss.github.io/api/batches/winter-2015/instavest.json" }, { "id": 796, "name": "Vest", "slug": "vest", "former_names": [ "Vest" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd4b6f473c25066fa0c35c5798c0454e3791144f.png", "website": "http://www.vestfin.com", "all_locations": "McLean, VA, USA; Remote", "long_description": "Vest, on a mission to bring wider access to financial derivatives and other institutional investment strategies, manages investment products worth $50+ billion (as of 9/30/25). Backed by private equity, the firm has a strategic partnership with Cboe Global Markets, Inc. (NASDAQ: CBOE), and First Trust, a global asset manager. \r\n\r\nVest created Target Outcome Investments in 2013, which target a defined return profile, with an allowance for a specific level of risk, at a particular point in time. Today, Target Outcome Investments are available as mutual funds, exchange-traded funds (ETFs), unit investment trusts (UITs), collective investment trusts (CITs), and customizable managed accounts / sub-advisory services. \r\n\r\nThe firm was launched and backed by preeminent venture firms such as Y-Combinator (Airbnb, Reddit, Dropbox), Payment Ventures (MicroVentures, CardFlight) and First Round Capital (Uber, Mint, Square).\r\n\r\nSee more at https://www.vestfin.com.", "one_liner": "Bringing wider access to financial derivatives. ", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1416222636, "tags": [ "Fintech", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/vest", "api": "https://yc-oss.github.io/api/batches/winter-2015/vest.json" }, { "id": 812, "name": "Glassjar", "slug": "glassjar", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://glassjar.co", "all_locations": "Mountain View, CA, USA", "long_description": "Glassjar designs and develops software that enables its users to manage their flat's shared expenses. It offers Flatting, a software product that enables its users to keep track of their flat's expenses, including flat account, flat-mates, and payments. The company offers a dashboard that provides an overview of their flat accounts, such as how much is available to spend, each person’s ledger, and summaries of their previous spending.\n\nGlassjar was founded by Matthew Galloway and George Smith in 2013; and is headquartered in Wellington, New Zealand.", "one_liner": "Clean app for check writing", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1416307421, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/glassjar", "api": "https://yc-oss.github.io/api/batches/winter-2015/glassjar.json" }, { "id": 827, "name": "Razorpay", "slug": "razorpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "website": "https://razorpay.com", "all_locations": "Bengaluru, KA, India", "long_description": "The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses.\r\n\r\nOver the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. \r\n\r\nRazorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. \r\n\r\nBe it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience.\r\n\r\nOver the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. \r\n\r\nRazorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform.\r\n\r\nAll these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money. \r\n\r\n", "one_liner": "India's only full-stack financial solutions company for businesses.", "team_size": 2700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1416309883, "tags": [ "Banking as a Service", "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/razorpay", "api": "https://yc-oss.github.io/api/batches/winter-2015/razorpay.json" }, { "id": 829, "name": "Seed", "slug": "seed", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://seed.co", "all_locations": "San Francisco, CA, USA", "long_description": "Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier. Learn more at https://seed.co", "one_liner": "Mobile banking for small business.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1416310217, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/seed", "api": "https://yc-oss.github.io/api/batches/winter-2015/seed.json" }, { "id": 863, "name": "Serica", "slug": "serica", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://sericapay.com", "all_locations": "San Francisco, CA, USA", "long_description": "For the first time in history, Serica enables asset rights to be traded & stored on the Bitcoin blockchain by anyone, anywhere.\r\n\r\nSerica is a commodities trading platform which connects investors to bitcoin-linked asset rights such as gold, silver, platinum & palladium assets tradeable on multiple digital money & precious metal exchanges.\r\n\r\nCustomers, anywhere in the world, can purchase commodities from Serica's dealer partners. Serica's decentralized custodian service publicly manage assets under custody, allowing safe & low-cost storage of valuable hard assets. Customers leverage DigitalTangible centralized & decentralized trading partner platforms to trade their asset-receipts for bitcoin or other digital money. Precious metal bullion may also be rapidly liquidated for cash or bitcoins.", "one_liner": "Financial payment and loan services for the Medical Cannabis and…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1429830319, "tags": [ "Blockchain", "Fintech", "Cannabis", "Healthcare" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/serica", "api": "https://yc-oss.github.io/api/batches/summer-2015/serica.json" }, { "id": 870, "name": "OpenInvest", "slug": "openinvest", "former_names": [ "Open Invest" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3abd55a846c0a5b7e349727420a779d13c382e27.png", "website": "http://www.openinvest.com", "all_locations": "San Francisco, CA, USA", "long_description": "OpenInvest is the first technology-backed, socially responsible investment asset management platform that aligns your investments with your values. OpenInvest’s proprietary technology seamlessly creates low-cost investment portfolios tailored to your values, while tracking market indices. A mission-driven company, OpenInvest was one of the first VC-backed Public Benefit Corporations.", "one_liner": "Values based personalization at scale for asset and wealth management", "team_size": 110, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1429997718, "tags": [ "Fintech", "Investing" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/openinvest", "api": "https://yc-oss.github.io/api/batches/summer-2015/openinvest.json" }, { "id": 913, "name": "Drip Capital", "slug": "drip-capital", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd4c1794856699806ba4d2424920a88c78f1f201.png", "website": "http://dripcapital.com", "all_locations": "MH, India", "long_description": "Drip is a financial technology company building modern infrastructure to make trade finance and B2B commerce easy and accessible for small businesses worldwide. Its AI native, predictive underwriting, and processing engine streamlines credit assessment and automates end-to-end transaction workflows. To date, Drip has facilitated more than $8 billion in cross-border trade for 11,000 businesses across 60 countries.\r\nWorking to close the $1.8 trillion global trade finance gap, Drip enables small and midsize businesses to trade with confidence across borders. The company has built a strong partner ecosystem — including leading capital providers such as Barclays, TD Bank, and the IFC, as well as logistics firms, insurance brokers, and B2B invoicing platforms — to expand distribution and impact. Drip is backed by global investors including Accel, Sequoia, Wing VC, Sumitomo Mitsui Banking Corporation, GMO Payments, TD Bank, and Y Combinator.", "one_liner": "Digital trade finance and B2B commerce company", "team_size": 280, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1430156123, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/drip-capital", "api": "https://yc-oss.github.io/api/batches/summer-2015/drip-capital.json" }, { "id": 927, "name": "Paribus", "slug": "paribus", "former_names": [ "Paribus", "Ramp" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d5d9ef305fdb2a6449bfa11545604de1f338a4ff.png", "website": "https://ramp.com/", "all_locations": "New York, NY, USA; Remote", "long_description": "", "one_liner": "", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1430156128, "tags": [ "FinOps", "Fintech", "Payments", "Productivity" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/paribus", "api": "https://yc-oss.github.io/api/batches/summer-2015/paribus.json" }, { "id": 931, "name": "Plate IQ", "slug": "plate-iq", "former_names": [ "PlateIQ", "Ottimate" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ddaee10acb71c657308a3d62234972fbca8392d.png", "website": "https://plateiq.com/", "all_locations": "London, United Kingdom; Emeryville, CA, USA", "long_description": "Plate IQ makes accounts payable simple.\r\n\r\nAutomated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.", "one_liner": "Automated Accounts Payable", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1430156129, "tags": [ "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "United States of America", "Europe", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/plate-iq", "api": "https://yc-oss.github.io/api/batches/summer-2015/plate-iq.json" }, { "id": 932, "name": "RedCarpetUp", "slug": "redcarpetup", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/183f0ec3e40c4ede1e9890d348891e13b1af9608.png", "website": "http://redcarpetup.com", "all_locations": "Gurugram, HR, India; Remote", "long_description": "RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India.\r\nIn a population base of 800 million people with bank accounts, there are less than 40 million credit cards. \r\nBy building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.\r\n", "one_liner": "Credit cards for Indians that banks cannot see", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1430156129, "tags": [ "Fintech", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/redcarpetup", "api": "https://yc-oss.github.io/api/batches/summer-2015/redcarpetup.json" }, { "id": 938, "name": "Xendit", "slug": "xendit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/82971ab934851a55cee1aa3b11b22839902e7f2e.png", "website": "https://www.xendit.co/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Xendit provides payment solutions that simplify the payment process for businesses in Southeast Asia, including Indonesia, Philippines, Malaysia, Thailand and Vietnam from SMEs, e-commerce startups to giant corporations. \r\n\r\nXendit provides a secure, easy-to-integrate payment system, and seamless payment experience supported by great customer service. With a diverse range of products, Xendit’s system can accept payments from virtual accounts, credit and debit cards, eWallets, retail outlets, and also online installments. \r\n\r\nWith our aim to build Indonesia and the Philippines’s payment infrastructure, Xendit is on its way shaping the next generation of unicorns by empowering startups to grow exponentially through the products we offer. \r\n\r\nXendit is licensed and regulated in multiple countries in Southeast Asia\r\n", "one_liner": "Provides payment infrastructure for Southeast Asia", "team_size": 700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1430156131, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/xendit", "api": "https://yc-oss.github.io/api/batches/summer-2015/xendit.json" }, { "id": 939, "name": "Xfers", "slug": "xfers", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2fea55ddf6b75371887dc67daba49c0771b81583.png", "website": "http://xfers.com", "all_locations": "Singapore, Singapore", "long_description": "Xfers is a Singaporean-based payment processing gateway offering credit card processing and Internet banking transfers. As a graduate of Y Combinator’s Summer 2015 Class, Xfers aims to unify banking networks across Southeast Asia. Featured on Techcrunch and coined as the Paypal of Southeast Asia by Channel News Asia, we simplify and redefine the process of collecting and receiving payments in Southeast Asia. \r\n\r\nIn 2016, Xfers announced its first round of seed funding. Its investor portfolio includes venture capital firms such as Quest Ventures, 500 Startups, Golden Gate Ventures and angel investors such as Eduardo Saverin.", "one_liner": "Xfers makes it possible for people to make and receive payments via…", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1430156132, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/xfers", "api": "https://yc-oss.github.io/api/batches/summer-2015/xfers.json" }, { "id": 945, "name": "Saida", "slug": "saida", "former_names": [ "Greenshoe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7575b6c7cdd1dda68d08da1ffc6bb04df8e33cb7.png", "website": "http://getsaida.com", "all_locations": "Nairobi, Nairobi County, Kenya; Remote", "long_description": "We're making a bank account that lets you easily separate, spend and track money. Just like houses have different rooms for different uses, our account lets you have dedicated pockets of money within your account for different uses. ", "one_liner": "A bank account that lets you easily separate, spend and track money", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1430202917, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Kenya", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/saida", "api": "https://yc-oss.github.io/api/batches/summer-2015/saida.json" }, { "id": 979, "name": "Stilt", "slug": "stilt", "former_names": [ "STILT", "Stilt", "Stilt (dba Onbo)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e3bb4303a0c1de02bc9e18aae4dd1307b9df84a.png", "website": "http://www.stilt.com", "all_locations": "San Francisco, CA, USA", "long_description": "Stilt/Onbo enables you to launch credit products without a bank sponsor.\r\n\r\nWe have built APIs to abstract complexity around licenses, regulatory compliance, underwriting, loan management system, credit reporting, and debt capital.\r\n\r\nWe are backed by fintech investors including Y Combinator, Link Ventures, Hillsven Capital, Petrushka investments (early backer of Lending Club, Zillow, Check, Pets.com), and CEOs of billion-dollar fintech companies.", "one_liner": "Financial products for immigrants (acquired by JG Wentworth)", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1447199416, "tags": [ "Fintech", "SaaS", "B2B", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stilt", "api": "https://yc-oss.github.io/api/batches/winter-2016/stilt.json" }, { "id": 986, "name": "AlphaFlow", "slug": "alphaflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9696737d779bc1482d4e992936d055d788610f1a.png", "website": "http://www.alphaflow.com", "all_locations": "San Francisco, CA, USA", "long_description": "Access. Transparency. Technology. Founded in 2015, AlphaFlow is a technology-driven investment manager providing professionally managed portfolios of real estate loans. We make the $75 billion fix-and-flip industry accessible to institutional investors. With the recent launch of our new platform, TITAN, we’ve opened up our institutional platform to smaller investors.\r\n\r\nAs a result of leading with technology and data analytics AlphaFlow is able to provide transparency & speed at a rate our competitors can’t. We partner with non-bank real estate lenders who provide 6-12 month bridge loans on single-family and small multifamily properties by purchasing their loans thereby helping them grow their businesses.\r\n\r\nAlphaFlow uses software to streamline and automate today’s manual workflow and our engineering team is constantly developing simple and elegant solutions to further automate a manually intensive industry.\r\n", "one_liner": "AlphaFlow is a technology-driven investment manager.", "team_size": 26, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1447278615, "tags": [ "Fintech", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alphaflow", "api": "https://yc-oss.github.io/api/batches/winter-2016/alphaflow.json" }, { "id": 998, "name": "Algoriz", "slug": "algoriz", "former_names": [ "RUMI" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://www.algoriz.com", "all_locations": "New York, NY, USA", "long_description": "Algoriz is an AI based trading platform that enables you to build trading algorithms by simply typing your strategies in English. \n\nAlgoriz is backed by Y combinator.", "one_liner": "Algoriz is an AI based algorithmic trading platform that enables you…", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1447280416, "tags": [ "Artificial Intelligence", "Finance", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/algoriz", "api": "https://yc-oss.github.io/api/batches/winter-2016/algoriz.json" }, { "id": 1003, "name": "WorldCover", "slug": "worldcover", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.worldcovr.com", "all_locations": "New York, NY, USA", "long_description": "WorldCover offers peer-to-peer investments that provide insurance to the global poor. We connect a growing pool of investors who seek uncorrelated investment returns and impact from their capital with a huge and growing need for natural disaster insurance in the developing world. \r\n\r\nWorldCover's platform improves food and income security for smallholder farmers in developing countries. More than 70% of the 2.5 billion people living at the “base of the pyramid” throughout the world rely on agriculture for income and sustenance. Farmers face a number of major risks to their livelihoods which they cannot control. Insurance gives them a sense of security even if they have a bad harvest, allowing them to improve their diets, invest in their farms, and send their children to school.\r\n\r\nIn an increasingly interconnected world, diversified markets are becoming harder and harder to find. WorldCover's investment products offer both retail and professional investors attractive yet uncorrelated returns with the world's financial markets.", "one_liner": "Funding platform for global insurance, starting with crop insurance…", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1447280416, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/worldcover", "api": "https://yc-oss.github.io/api/batches/winter-2016/worldcover.json" }, { "id": 1005, "name": "Truebill", "slug": "truebill", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fae52e07d79df342dcfc28d120038d2083ae0679.png", "website": "https://www.truebill.com", "all_locations": "Silver Spring, MD, USA", "long_description": "Rocket Money (formerly Truebill) is a leading personal finance app that analyzes members' spending habits, identifies inefficiencies, and offers immediate methods to improve their financial health. It enables people to optimize their spending, manage subscriptions, lower their bills, and automatically set aside money to reach their savings goals. Truebill has saved members more than $100 million since 2016 and is headquartered in Silver Spring, Maryland, with offices in San Francisco. \r\n\r\nTruebill's mission is to empower people to live their best financial lives. Truebill offers members a unique understanding of their finances and a suite of valuable services that save them time and money - ultimately giving them a leg up on their financial journey. \r\n\r\nTruebill is backed by Accel, Bessemer Venture Partners, Eldridge Industries, and YCombinator.", "one_liner": "Live your best financial life", "team_size": 225, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1447311015, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/truebill", "api": "https://yc-oss.github.io/api/batches/winter-2016/truebill.json" }, { "id": 1016, "name": "Meter Feeder", "slug": "meter-feeder", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/add199c01e8e38b906c80074b660ab5bf6e88b25.png", "website": "http://www.meterfeeder.com", "all_locations": "Pittsburgh, PA, USA", "long_description": "Did you know that if your car is eligible for booting and towing in NYC, all of your registered vehicles are eligible? Now imagine you have thousands of vehicles in thousands of cities.\r\n\r\nWe make sure that your vehicles are compliant.", "one_liner": "Helping fleets find and pay parking tickets", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1447311916, "tags": [ "Unmanned Vehicle", "Payments", "Transportation", "Mobility" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/meter-feeder", "api": "https://yc-oss.github.io/api/batches/winter-2016/meter-feeder.json" }, { "id": 1021, "name": "Paystack", "slug": "paystack", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f4d18618abc91ad79be53d918a199daffad6f58.png", "website": "https://www.paystack.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Paystack is a small and vibrant family working across Lagos and San Francisco.\r\n\r\nWe enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.", "one_liner": "Modern payments infrastructure for Africa", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1447312815, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/paystack", "api": "https://yc-oss.github.io/api/batches/winter-2016/paystack.json" }, { "id": 1050, "name": "Emburse", "slug": "emburse", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a00998d6f52fb43996a86ecea5c77d7d020b9b08.png", "website": "https://www.emburse.com", "all_locations": "San Francisco, CA, USA", "long_description": "Emburse is an expense management platform that gives businesses more insight into and control over corporate expenses. Using Emburse, businesses may order virtual or physical MasterCard-network branded expense cards and assign these cards to employees or contractors for authorization of pre-approved business expenses.", "one_liner": "Expense management and AP automation.", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1447653915, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/emburse", "api": "https://yc-oss.github.io/api/batches/winter-2016/emburse.json" }, { "id": 1054, "name": "Landed", "slug": "landed", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ab8fa26571630366add5d76d46ba876b673c7b9.png", "website": "http://www.landed.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Landed helps employers develop programs that increase access to homeownership for their employees. We do this by unlocking the power of shared appreciation to create down payment programs tailored to the needs of each institution, improving recruitment and retention of key talent. Unlike other programs, shared appreciation is mutually beneficial to funders and buyers, creating a self-renewing pool of capital that recycles as homebuyers exit the program.", "one_liner": "White-labeled shared appreciation down payment programs for employers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1447653916, "tags": [ "Fintech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/landed", "api": "https://yc-oss.github.io/api/batches/winter-2016/landed.json" }, { "id": 1062, "name": "Cover", "slug": "cover", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d5863fab7cb599616673d64029382203c934c08.png", "website": "http://cover.com", "all_locations": "San Francisco, CA, USA", "long_description": "Cover is an Android and iOS mobile application that allows its users to insure anything by taking a picture of what they need to insure. It partners with many insurance companies and brokers to provide its users with the best available rates. The application allows its users to insure vehicles, mobile phones, pets, jewelry, houses, boats, tours, and more. It was launched in Toronto, Ontario, Canada.", "one_liner": "The mobile-first insurance platform that makes insurance easy.", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1447747515, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cover", "api": "https://yc-oss.github.io/api/batches/winter-2016/cover.json" }, { "id": 1166, "name": "Direct Match", "slug": "direct-match", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://directmatchx.com", "all_locations": "New York, NY, USA", "long_description": "Direct Match was a venture-backed startup building the first all-to-all US Treasury trading venue.", "one_liner": "", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1455650193, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/direct-match", "api": "https://yc-oss.github.io/api/batches/winter-2015/direct-match.json" }, { "id": 1225, "name": "Nova Credit", "slug": "nova-credit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a1acae554a32ce11687de5ac7b708d914b04c5b.png", "website": "http://www.novacredit.com/", "all_locations": "New York City, NY, USA", "long_description": "Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly through alternative credit data. As a Consumer Reporting Agency (CRA), Nova Credit leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill critical gaps in traditional credit analytics. The company transforms the fragmented universe of consumer financial data into compliant, actionable risk insights through a comprehensive platform designed to increase conversion through expanded coverage, speed, and reliability. Leading organizations, including HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi, work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi. \r\n\r\nLearn more at www.novacredit.com or reach out to connect@novacredit.com. ", "one_liner": "Bridging a world of consumer-permissioned credit data", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1461210619, "tags": [ "Fintech", "Data Science" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nova-credit", "api": "https://yc-oss.github.io/api/batches/summer-2016/nova-credit.json" }, { "id": 1226, "name": "OneChronos", "slug": "onechronos", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/95735e616536b1a1cfcca07ddaaa04596244401a.png", "website": "https://www.onechronos.com/", "all_locations": "New York, NY, USA", "long_description": "OneChronos is a U.S. equities ATS designed bottom-up to fundamentally address the growing gap between how trading venues match orders and how traders need to execute.", "one_liner": "The Smart Market for Institutional Investors", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1461210619, "tags": [ "Fintech", "Marketplace", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/onechronos", "api": "https://yc-oss.github.io/api/batches/summer-2016/onechronos.json" }, { "id": 1249, "name": "Legalist", "slug": "legalist", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b1deabbfcad920bb32556ad82eec40dd53ecb4f4.png", "website": "https://www.legalist.com", "all_locations": "San Francisco, CA, USA", "long_description": "Investment firm specializing in alternative investments involving legal and regulatory risk. ", "one_liner": "Legal investment firm", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1461643819, "tags": [ "Fintech", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/legalist", "api": "https://yc-oss.github.io/api/batches/summer-2016/legalist.json" }, { "id": 1274, "name": "Airfordable", "slug": "airfordable", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ef11ba9a832fa0da5c14a8dfefcae4574b74628.png", "website": "http://www.airfordable.com", "all_locations": "Chicago, IL, USA; Remote", "long_description": "Airfordable is payment plans for airline tickets. The service allows users to secure tickets with a deposit upfront and pay the remaining balance in recurring payments before the departure date.", "one_liner": "Buy flights for only a fraction upfront and pay off the rest in…", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1461732015, "tags": [ "Fintech", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/airfordable", "api": "https://yc-oss.github.io/api/batches/summer-2016/airfordable.json" }, { "id": 1277, "name": "SmartPath", "slug": "smartpath", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fdeb7d0443b308cb60df5869e5eb6f68e5ad2dd5.png", "website": "http://joinsmartpath.com", "all_locations": "Atlanta, GA, USA; Remote", "long_description": "SmartPath is a financial wellness company based in Atlanta, GA. We offer unique workplace financial wellness programs centered around 1-on-1 financial coaching. SmartPath wellness programs are designed to increase the bottom line for both employers and employees.", "one_liner": "Financial wellness for the middle class", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1461732016, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/smartpath", "api": "https://yc-oss.github.io/api/batches/summer-2016/smartpath.json" }, { "id": 1284, "name": "Flutterwave", "slug": "flutterwave", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1078b114f17bc04ce851bf929fc1bab80789469.png", "website": "https://flutterwave.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "At Flutterwave, we are on a mission to build payments infrastructure to connect Africa to the global economy. \r\n\r\nWe do this by building technology, tools, and infrastructure for businesses and banks who want to provide a more seamless and secure payments experience for their customers. Founded in 2016 by a team of African finance and technology veterans from Standard Bank, Angela, PayPal, Google Wallet amongst others.\r\n\r\nFlutterwave has grown to become one of the fastest growing payments companies in the world. Since inception Flutterwave has processed close to $20 billion in payments and 100 million transactions across over 33 African countries where it currently operates. \r\n\r\nIt has attracted significant investment from experienced Fintech investors such as Ycombinator Continuity Fund (investors in Stripe), Greycroft (investors in Braintree and Venmo), Greenvisor Capital, Omidyar Network, and Glynn Capital amongst others. In 2017 Flutterwave was named Africa’s best fintech company at the Apps Africa Innovation Awards.", "one_liner": "Helping businesses make and accept payments from anywhere in Africa.", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1461817211, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flutterwave", "api": "https://yc-oss.github.io/api/batches/summer-2016/flutterwave.json" }, { "id": 1303, "name": "Lendsnap", "slug": "lendsnap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26734dd422c43a11f7fc46d4eac4836b94e7fd36.png", "website": "https://openfpga.ai/", "all_locations": "Berkeley, CA, USA", "long_description": "The Digital Mortgage Company\r\n\r\nLenders will write $1.5T of home mortgages in 2017, and will have to evaluate every single borrower's ability to repay. This is expected to cost the industry $15B in human labor. We talked to these humans, and learned that they spend 1/3 of their time just asking other humans for documents and data that are almost universally available online. While the market is slowly moving to transactional data, Lendsnap is the only company helping lenders get ahead of the competition by delivering original electronic documents and data sets. That means portfolios of our lender customers stay completely liquid in the secondary market. No one else can offer that today.\r\n\r\nLendsnap instantly gathers the original borrower documents and data for lenders by linking to consumer financial accounts. We increase loan origination team productivity by 25%+ and save applicants several hours on each application as well. Our intuitive and easy-to-use workflow makes it easy and safe for borrowers to turn in and for loan officers to receive the necessary documents for lenders to make a credit decision.\r\n\r\nAs the only company delivering the right documents and data to originate non-agency loans such as VA, FHA, and subprime, we are able to work with all types of lenders. Furthermore, we are uniquely suited to serve mortgage brokers (12% market share) who have to remain flexible to the credit needs of their diverse borrowers. We are the only post-launch company that delivers actual electronic statements straight from source institutions, such as Bank of America, TurboTax, Chase, and hundreds more.", "one_liner": "The Digital Mortgage Company.", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1462207814, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lendsnap", "api": "https://yc-oss.github.io/api/batches/summer-2016/lendsnap.json" }, { "id": 1453, "name": "Pit.AI", "slug": "pit-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee5971f7543c1b8d1d76bb765b8acaa206cb1a0b.png", "website": "https://www.pit.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Pit.AI Technologies aims at solving intelligence for investment management. We combine bleeding-edge AI research with powerful computing to automatically mine profitable trading strategies in financial markets. \r\n\r\nOur proprietary pipeline departs from the standard portfolio optimization paradigm in that it avoids making unrealistic assumptions on how markets behave, and it applies the expressiveness of our AI techniques on large scale data to automatically detect and exploit new sources of market inefficiencies, rather than testing or verifying human-generated trading ideas, intuitions, or forecasting models.\r\n\r\nWe believe that the investment management industry is at the dawn of a new AI-led era where trading idea generation will be automated and cost-effective, management fees will be a thing of the past, and fund managers will no longer be paid for merely showing up.", "one_liner": "Solving intelligence for investment management.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1478140832, "tags": [ "Artificial Intelligence", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pit-ai", "api": "https://yc-oss.github.io/api/batches/winter-2017/pit-ai.json" }, { "id": 1454, "name": "Arthena", "slug": "arthena", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d4656eb8a75c7b4647f36ee77604160755543cd.png", "website": "https://www.arthena.com", "all_locations": "New York, NY, USA", "long_description": "Arthena is a financial product that gives you access to the alternative asset class with the highest barrier to entry and strongest historical returns. We invest in the most liquid segment of the art market, with the lowest volatility, yielding tremendous growth uncorrelated to traditional investments. Arthena’s automated and data driven investment strategy regulates art investment by building traditional fund structures. HNWI’s can now securely and confidently diversify their portfolios into alternative assets focusing on the luxury market.\r\n\r\nArthena has designed and built a statistically rigorous model that estimates the value of artwork over time. Since the data we obtain derives from auction records and repeat sales, our model relies on a set of features about each result. These features include include the artist’s name, medium, date of creation, origin of location and size of work. After identifying groups of work that are similar to each other, we calculate the expected ROI and estimated volatility based on the distribution of gains. Using historical auction results to simulate the performance of our funds, we leverage Monte Carlo analysis to determine annualized returns and sharpe ratios. Based on this analysis, Arthena can validate the financial viability of our product and establish statistically rigorous bounds for these estimates.", "one_liner": "Quantitative Investment in Art Assets ", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1478140833, "tags": [ "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/arthena", "api": "https://yc-oss.github.io/api/batches/winter-2017/arthena.json" }, { "id": 1464, "name": "Ledger Investing", "slug": "ledger-investing", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3326697b08953d5914d07d4d39f5bca122a18fa8.png", "website": "https://ledgerinvesting.com/", "all_locations": "United States; Remote", "long_description": "Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing.\r\n\r\nThe company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class.\r\n\r\nLedger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.", "one_liner": "Marketplace for insurance securitization.", "team_size": 85, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1478194834, "tags": [ "Fintech", "Insurance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ledger-investing", "api": "https://yc-oss.github.io/api/batches/winter-2017/ledger-investing.json" }, { "id": 1471, "name": "Zinc Platform", "slug": "zinc-platform", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://www.zincplatform.com", "all_locations": "New York, NY, USA", "long_description": "Zinc Platform, Inc. is focused on providing software that digitizes the last frontier of the mortgage origination process– getting homeowners insurance. Zinc builds technology that integrates with the core systems of today’s modern mortgage lenders to power digital portals for borrowers to procure the homeowners (property) insurance that is required to close a mortgage. Zinc’s technology takes a broken, week-long process and turns it into a delightful five-minute experience. For borrowers, Zinc powers access to all of the nation’s leading insurance carriers. For mortgage lenders, Zinc ensures compliance with underwriting requirements while automating more of the mortgage closing process. Zinc is proudly built in New York City by passionate technologists and business strategists focused on making the process of buying a home a more simple, delightful experience", "one_liner": "Insurance Distribution Infrastructure", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1478194835, "tags": [ "Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zinc-platform", "api": "https://yc-oss.github.io/api/batches/winter-2017/zinc-platform.json" }, { "id": 1482, "name": "Sandbox Banking", "slug": "sandbox-banking", "former_names": [ "Sandbox", "AlphaPack", "Sandbox" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://sandboxbanking.com", "all_locations": "Boston, MA, USA; Los Angeles, CA, USA; Remote", "long_description": "Sandbox Banking provides a low-code platform to quickly build and run banking integrations. Our software is literally a web application named Glyue, and it's typically used by banks, credit unions, and fintechs to connect banking systems. Glyue integrations are often web service APIs, batch ETL jobs, file/document transfer jobs, or event-driven pub/sub services (e.g. web hooks, Kafka streaming data pipelines).", "one_liner": "Low-code integration platform for banking", "team_size": 33, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1478224818, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sandbox-banking", "api": "https://yc-oss.github.io/api/batches/winter-2017/sandbox-banking.json" }, { "id": 1489, "name": "Penny", "slug": "penny", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.pennyapp.io", "all_locations": "San Francisco, CA, USA", "long_description": "Penny is a personal finance app that helps you track your income and spending.\n\nPenny accesses your statement history—with your permission—and uses that information to help you manage your finances. Whenever you open the app, she’ll chat with you about your finances: letting you know how you’re doing this month, forecasting where you’ll be next month, giving you a heads up about upcoming bills, or even helping you cancel services you don’t use.\n\nPenny makes finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming. Penny automatically organizes your finances, explains them simply and clearly, and tells you what you need to know, when you need to know it.", "one_liner": "Penny makes keeping track of your finances as easy as having a…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1478224835, "tags": [ "Artificial Intelligence", "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/penny", "api": "https://yc-oss.github.io/api/batches/winter-2017/penny.json" }, { "id": 1503, "name": "Aella", "slug": "aella", "former_names": [ "Aella Credit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/db376a7bc4f4a035b6bde4f2e946bb1e2aa238a2.png", "website": "http://www.aellaapp.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Aella is a diversified credit payments platform with over 2 million users, offering a raft of financial services to underbanked users across Africa with a focus on lending. We are at the forefront of financial inclusion and empowerment of the underbanked. \r\n\r\nAella’s Debt-as-a-service model ensures that agents across Africa are able to have quick and easy access to funding through its partnerships with leading agency banks across the continent.", "one_liner": "Diversified credit infrastructure powering payments across Africa.", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1478577033, "tags": [ "Banking as a Service", "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aella", "api": "https://yc-oss.github.io/api/batches/winter-2017/aella.json" }, { "id": 1507, "name": "Request Network", "slug": "request-network", "former_names": [ "Moneytis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/60bc4f1a107d899643879262add03122ce3a8a4b.png", "website": "https://request.network", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Request allows companies & people to pay and get paid in cryptocurrencies by relying on the most innovative payment request technology.\r\n\r\n\r\nOn top of it, apps such as Request Invoicing allow professionals to send proper crypto invoices and get paid in a click. Adoption for this app is growing at an impressive rate as we can see here https://req.network", "one_liner": "Request is a payment request technology & an ecosystem of apps", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1478577635, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/request-network", "api": "https://yc-oss.github.io/api/batches/winter-2017/request-network.json" }, { "id": 1508, "name": "Neema", "slug": "neema", "former_names": [ "Neema " ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ecd84b6a5d3bf666dedd61c917ae719d2e4d7a7e.png", "website": "http://getneema.com/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Neema is an app that helps people manage their money as well as send money to other people. Neema is a financial solution for 70 million underbanked Americans. Users download their app, which is a digital wallet, where they can cash their own pay check, send money internationally to their families in 90 countries, and they also provide them with a debit card, which they can use in any store or ATM.", "one_liner": "Neema is an app for unbanked workers, which provides a checking…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1478577635, "tags": [ "Fintech", "Payments", "Remittances" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Israel", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/neema", "api": "https://yc-oss.github.io/api/batches/winter-2017/neema.json" }, { "id": 1527, "name": "Nomba", "slug": "nomba", "former_names": [ "Kudi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/df1f2387282fcfbd2c12fe132115b6a2f5601924.png", "website": "https://nomba.com", "all_locations": "Lagos, LA, Nigeria", "long_description": "Nomba provides Banking and payment to over 200k+ business in Africa (Nigeria & DRC).", "one_liner": "Banking and payments for businesses in Africa", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1478717435, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nomba", "api": "https://yc-oss.github.io/api/batches/winter-2017/nomba.json" }, { "id": 1540, "name": "OneFin", "slug": "onefin", "former_names": [ "Cready", "Credy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6faf92eb91f0ff8910311336fa3f164df398c35.png", "website": "https://www.onefin.in", "all_locations": "Bengaluru, KA, India", "long_description": "Building a plug-and-play suite of APIs and lending tech stack to enable financial inclusion. OneFin is backed by marquee investors from Silicon Valley like Y Combinator, Khosla Ventures, etc. Leading NBFC, SFB and fintech companies in India are our users.\r\n\r\nWe have enabled loan disbursement/migration of around $2B in last few years across more than 1 million loans across education loans, EV financing, business loans, credit line, 2 wheeler financing, personal loans, invoice discounting, and various other credit products.", "one_liner": "Shopify for Financial Services", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1478804688, "tags": [ "Fintech", "SaaS", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/onefin", "api": "https://yc-oss.github.io/api/batches/winter-2017/onefin.json" }, { "id": 1556, "name": "Brex", "slug": "brex", "former_names": [ "Veyond" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/72237ca3782563f0b12ffe1fe9869d878c153ab6.png", "website": "https://www.brex.com", "all_locations": "San Francisco, CA, USA", "long_description": "Brex is the AI-powered spend platform for modern companies, from startups to enterprises. Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman.\r\n\r\nBrex offers:\r\n- Corporate cards with 10-20x higher limits\r\n- Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance\r\n- Reward options that include billboards, offsites, and coaching\r\n- Founder-friendly financial modeling tools\r\n- Special events and masterclasses for founders\r\n- Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.\r\n\r\n", "one_liner": "Business accounts, corporate cards, and spend management software.", "team_size": 1000, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1481770830, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/brex", "api": "https://yc-oss.github.io/api/batches/winter-2017/brex.json" }, { "id": 1576, "name": "Jerry", "slug": "jerry-inc", "former_names": [ "Jerry", "Jerry", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "website": "https://jerry.ai/", "all_locations": "Palo Alto, CA, USA; Remote", "long_description": "Your car and your home are your most expensive assets. And for most people, these aren't just purchases, they're the physical embodiment of the life you've worked hard to build. Yet the experience of owning them is stuck in the 90s. Every step of the journey — buying, insuring, maintaining, repairing, selling — is fragmented, complicated, and expensive.\r\n\r\nImagine having a trusted friend in your pocket who takes care of everything: they find you the right car or home at the right price, lock in the best insurance rate without you lifting a finger, remind you before that service appointment turns into an expensive repair or, worse, an accident, and help you sell at the best price when the time is right. That friend is Jerry.\r\n\r\nJerry is building the first AI agent to manage all your physical assets. We started with car insurance in 2019, became one of the top 3 brokers in the U.S., then added driving insights, diagnostics, and a repair marketplace. We've reached 5M+ customers, raised $240M+, and have been profitable since 2024. We're now expanding into home, motorcycle, RV, and beyond.\r\n\r\nWe’re fully remote with offices in Palo Alto, New York, Chicago, and Toronto.", "one_liner": "Jerry is building the AI agent to manage all your physical assets.", "team_size": 225, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1490767310, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/jerry-inc", "api": "https://yc-oss.github.io/api/batches/summer-2017/jerry-inc.json" }, { "id": 1580, "name": "FAZZ", "slug": "fazz", "former_names": [ "PAYFAZZ" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b71ac4245fd1b313b185f2e767a0c0a96e9b13b9.png", "website": "https://fazzfinancial.com/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "FAZZ is the leading all-in-one finance platform for businesses in Indonesia and Singapore. We are a b2b neobank with payment acceptance capabilities. The company is the market leader among underbanked segments such as warungs / startups and is building a super-app to serve mid-market and enterprise clients. Core features are: \r\n\r\n* Accept payments (e-wallet, bank transfer, credit card)\r\n* Business Cash Account (earn 4% interest)\r\n* Transfer / Pay (payment API's, corporate card, invoice processing via software)\r\n* Lending (instant settlement, invoice financing)\r\n* Value-add SaaS (inventory management, expense management)\r\n\r\nFAZZ processes more than $6 bn of annualized GTV for companies of all sizes (from warungs to fortune 500s) and has achieved $25 mm of annualized Revenue. \r\n\r\nThe company has raised over $74 mm USD from top tier global investors such as Tiger Global, DST, Y Combinator, B Capital Group, and Insignia Ventures. The founders are ex Amazon, Grab, Quora, and Traveloka.", "one_liner": "All-in-one Finance for Every Southeast Asia Business", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1492902064, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fazz", "api": "https://yc-oss.github.io/api/batches/summer-2017/fazz.json" }, { "id": 1584, "name": "Long Term Stock Exchange", "slug": "long-term-stock-exchange", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c4eb3cefb725e1a8d1e43e578f29268446d786af.png", "website": "http://ltse.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "LTSE partners with companies across their lifecycle to help them grow and scale from formation through IPO. The Long-Term Stock Exchange (LTSE) is an SEC-regulated national securities exchange designed to align great companies and long-term investors with the shared goal of value creation. They have assembled a world-class team of experts and advisors with deep expertise in finance, regulation, law, and technology.\r\n\r\nAt every stage, from private investment into the public markets, strategically managing equity and a company's cap table has an outsized impact on long-term success. So in addition to the exchange, LTSE also built LTSE Equity, a full-lifecycle cap table management solution for planning, managing, and collaborating on startup equity.\r\n\r\nEric Ries, an entrepreneur and author of the New York Times bestseller, The Lean Startup, is the founder of the LTSE. Eric is the creator of the Lean Startup methodology, a global movement and management philosophy practiced by companies large and small. He founded a number of startups, including IMVU, where he served as CTO, and has advised on business and product strategy for startups, venture capital firms, and large companies, including GE, partnering with them on the FastWorks program.", "one_liner": "LTSE is an ecosystem for visionary business.", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1493076695, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/long-term-stock-exchange", "api": "https://yc-oss.github.io/api/batches/summer-2017/long-term-stock-exchange.json" }, { "id": 1611, "name": "SafeButler", "slug": "safebutler", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/273a5d6a8a8f380e355bc73ae05efdd041e810cb.png", "website": "https://www.safebutler.com", "all_locations": "Palo Alto, CA, USA; Sunnyvale, CA, USA", "long_description": "SafeButler is a free comparison tool that searches hundreds of insurance websites at once to find the information you need to make the right decisions on insurance", "one_liner": "Your chief servant for shopping insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493266222, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/safebutler", "api": "https://yc-oss.github.io/api/batches/summer-2017/safebutler.json" }, { "id": 1629, "name": "Prelim", "slug": "prelim", "former_names": [ "Original Tech", "Inc.", "Original Tech" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c27234ed03e90c2a18c23ce1e2d6616a17be34b.png", "website": "https://prelim.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "At Prelim, we are on a mission to revolutionize the way financial institutions onboard new customers. We believe that the customer onboarding process should be fast, efficient, and user-friendly. As a member of our team, you will have the opportunity to work with cutting-edge technology and make a real impact on the financial industry.\r\n\r\nOur platform allows banks and financial institutions to digitize their services, streamline account opening processes, and improve customer experience. By joining our team, you will be a part of a fast-paced, innovative, and dynamic work environment where you can learn and grow your skills.\r\n\r\nOur team is made up of a diverse group of individuals with a wide range of experience and expertise. We value collaboration, creativity, and a passion for problem-solving. As a member of our team, you will have the opportunity to work with experts in the field, and be challenged to think outside the box.\r\n\r\nIn addition, we offer a comprehensive benefits package, flexible working hours, and a great work-life balance. We are constantly evolving and growing, and we are looking for talented individuals who share our vision and are excited to be a part of our journey. If you're passionate about fintech and want to be a part of a team that is making a real impact in the industry, then Prelim is the place for you.", "one_liner": "Software for banks to open bank accounts", "team_size": 36, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1493398713, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/prelim", "api": "https://yc-oss.github.io/api/batches/summer-2017/prelim.json" }, { "id": 1647, "name": "tpaga", "slug": "tpaga", "former_names": [ "Tpaga" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d683992b573536b62d0a5d41e2c540439a9fe237.png", "website": "https://tpaga.co/", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "Through our mobile wallet, we allow consumers to receive, store, and send money through their phones. Virtually all the value propositions of a bank, in just one app.\r\n", "one_liner": "First financial Superapp of Latin America", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1493698216, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tpaga", "api": "https://yc-oss.github.io/api/batches/summer-2017/tpaga.json" }, { "id": 1648, "name": "Surematics", "slug": "surematics", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.surematics.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Surematics is helping commercial insurance brokers structure complicated deals online. Homeowners and car insurance are enough of a nightmare for most of us to handle but Surematics is targeting even more difficult cases — awkward expensive items like oil rigs. With a dash of blockchain, the startup wants to allow companies to collaborate together to create enforceable contracts.", "one_liner": "We help commercial insurance brokers structure complicated…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493698224, "tags": [ "Blockchain", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/surematics", "api": "https://yc-oss.github.io/api/batches/summer-2017/surematics.json" }, { "id": 1652, "name": "Piggy", "slug": "piggy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5184ec7534362c1a66e059ec557d55ea721821ff.png", "website": "https://piggy.co.in", "all_locations": "MH, India", "long_description": "Experience an easy way to make Investments in Mutual funds in India.\r\n\r\nEasiest platform to make mutual fund investments in India.\r\nBecause you need to make Investments, be it just to park your cash short term to earn better returns, or to invest for your goals or retirement, we've made an easy to use platform for you where you can invest in any fund in India in few clicks and have track your existing investments.\r\n\r\nFurthermore , you make investments without paying any middlemen commissions and make more returns . After all, It is your money. Don't pay too much to others when you can do it on your own.\r\n\r\nWe're on both Android and iOS . download the app to get started \r\nhttps://piggy.co.in", "one_liner": "App for Indians to make investments in mutual funds, manage their…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1493700715, "tags": [ "Finance", "India", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/piggy", "api": "https://yc-oss.github.io/api/batches/summer-2017/piggy.json" }, { "id": 1654, "name": "Newfront", "slug": "newfront-insurance", "former_names": [ "Abe", "Newfront Insurance (FKA Abe)", "Newfront Insurance (was Abe)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d7ef9c80d04b0eeccadce07af72fa59e617fb84.png", "website": "https://www.newfront.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Newfront is building the modern insurance brokerage. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. We work with 20% of US unicorns, 100s of YC startups, and 150+ public companies on their Business Insurance and Total Rewards.\r\n\r\nHeadquartered in San Francisco, Newfront has more than 800 colleagues and offices throughout the US. ", "one_liner": "Modern insurance brokerage.", "team_size": 800, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493701824, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/newfront-insurance", "api": "https://yc-oss.github.io/api/batches/winter-2018/newfront-insurance.json" }, { "id": 1657, "name": "Honeydue", "slug": "honeydue", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/99e371e9419459527ac037bfb6531a54c832d71b.png", "website": "https://www.honeydue.com/", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "Honeydue is the best personal finance app for couples. Track your bills, bank balances, and spending together, and engage in meaningful dialogue about your goals and habits.", "one_liner": "The simplest way for couples to manage money, together", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1493780519, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/honeydue", "api": "https://yc-oss.github.io/api/batches/summer-2017/honeydue.json" }, { "id": 1668, "name": "bxblue", "slug": "bxblue", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0327cd08e9a2af81efeb43fd6108a34b07304d3c.png", "website": "http://www.bxblue.com.br", "all_locations": "DF, Brazil; Remote", "long_description": "bxblue is a Y Combinator backed (S17) Personal loan marketplace for pensioners and government workers with guaranteed income in Brazil. bxblue is taking this $80 billion market online.", "one_liner": "bxblue is a marketplace for people with guaranteed income in Brazil.…", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1493860831, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bxblue", "api": "https://yc-oss.github.io/api/batches/summer-2017/bxblue.json" }, { "id": 1670, "name": "LotusPay", "slug": "lotuspay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9237613d5c6b9ca86e68c4e86a6d63ec1d7337ed.png", "website": "http://www.lotuspay.com", "all_locations": "Bengaluru, KA, India", "long_description": "LotusPay was acquired by Juspay in Jan 2024.\r\n\r\nLotusPay is the recurring payments solution for businesses in India. We enable our clients to quickly and easily collect payments directly from their user's bank accounts via paperless NACH Debit.\r\n\r\nLotusPay is perfect for collecting loan repayments, membership fees, subscription and billing, recurring donations, tuition fees - any kind of regular or irregular payment, be it a fixed amount or variable amount.\r\n\r\nLotusPay is backed by Y Combinator.", "one_liner": "Recurring payments solution for businesses in India.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1493860908, "tags": [ "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lotuspay", "api": "https://yc-oss.github.io/api/batches/summer-2017/lotuspay.json" }, { "id": 1690, "name": "Goodcover", "slug": "goodcover", "former_names": [ "Collective" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ccf4ef1efc72341bb2abddc0f6f7843aa2cafa7.png", "website": "http://www.goodcover.com", "all_locations": "San Francisco, CA, USA", "long_description": "Goodcover provides its Members with Good Renters Insurance for 50% less than legacy companies and an Annual Dividend of the money left over after claims obligations are met.\r\n\r\nGoodcover is a Managing General Agent (MGA) that administers personal insurance on behalf of our Membership, a bit like how USAA does it.\r\n\r\nMember's premiums are pooled and used to pay claims. We take a fixed fee, and the remainder is returned in our Annual Member Dividend.\r\n\r\nWe work with multi-billion dollar capital partners to ensure regulations are followed, adequate claims capital is always available, and we have emergency capacity for catastrophes.\r\n\r\nTechnology allows us to eliminate waste, saving roughly 25% of the cost. We are 100% digital, but not bots - we invest in tech that enables our experts to help Members.\r\n\r\nAs an Invitation Only Membership served by an MGA, **we can give Members Free Insurance** when they invite others, turning our \"Marketing Budget\" into savings for Members. This eliminates Lizards and Sales Agents, saving the other 25%.\r\nWe do not use the standard industry models, instead using a multiperil model to more granularly price risk. This means that for a few of you we are more expensive... but everyone else pays much less than they would otherwise pay.\r\n\r\nOur granular, multiperil model allows us to offer a superior policy over the standard market including:\r\n - coverage for if your place is flooded by a neighbor\r\n - Replacement Cost Coverage (meaning new stuff for your old)\r\n - All Risk coverage for high value items you tell us about - including computers (almost no one does that amazingly)\r\n - added coverage for mold removal\r\n\r\nOur MGA business model allows us to be capital efficient, \"renting\" capacity as we need it.\r\n\r\nAll this adds up to our government approved pricing being 40-60% cheaper on average than that of our competitors. ", "one_liner": "Digital Co-op Renters Insurance = half the price, better coverage.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1576001359, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/goodcover", "api": "https://yc-oss.github.io/api/batches/summer-2017/goodcover.json" }, { "id": 1713, "name": "Cashfree Payments", "slug": "cashfree-payments", "former_names": [ "Cashfree" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7eb68658869d911582ae784bc8ff049cb6b4a898.png", "website": "https://www.cashfree.com/", "all_locations": "Bengaluru, KA, India", "long_description": "Cashfree is a next-generation payments company for Indian businesses. \r\n\r\nCashfree helps 50,000+ businesses collect and send money with solutions such as an easy to integrate payment gateway that supports instant settlements & refunds; Payouts - an API banking platform for bulk disbursals; a split payment solution for marketplaces; a Bank Account Verification API; a dedicated UPI stack for businesses and Auto Collect - a virtual account solution to match inbound payments to customers. It counts Xiaomi, Nykaa, Zomato, Zoomcar, Cred, Swiggy, Shell, Zepto, Dunzo as well as donation platforms like Ketto and Milaap amongst its customers.\r\n\r\nCashfree is a licensed payment aggregator in India and works with all leading banks to build the core payments and banking infrastructure that powers Cashfree’s products. Cashfree is also integrated with major platforms like Shopify, Wix, Paypal, Amazon Pay, Ola Money and Google Pay.", "one_liner": "Next-gen digital payments provider for India.", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1496970201, "tags": [ "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cashfree-payments", "api": "https://yc-oss.github.io/api/batches/summer-2017/cashfree-payments.json" }, { "id": 1714, "name": "Dharma Labs", "slug": "dharma-labs", "former_names": [ "Dharma Protocol" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0479f1b8e00c94eed03a224baddcff0558ef74df.png", "website": "https://dharma.io", "all_locations": "San Francisco, CA, USA", "long_description": "Dharma is the only Ethereum wallet capable of seamlessly moving money between any US bank account and decentralized exchanges like Uniswap. The net result is a product that looks & feels like Coinbase on steroids — Download an App. Plug in your bank. Invest in the exponentially growing universe of tokens & yield opportunities in DeFi with a tap.", "one_liner": "The easiest way to buy 74k+ crypto tokens with USD", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1497405810, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/dharma-labs", "api": "https://yc-oss.github.io/api/batches/summer-2017/dharma-labs.json" }, { "id": 1749, "name": "CoinTracker", "slug": "cointracker", "former_names": [ "Nino Finance", "Inc.", "Nino Finance" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/097c28935ffe6f2c55f615c50f2a9e6af69ae9d4.png", "website": "https://cointracker.com", "all_locations": "San Francisco, CA, USA", "long_description": "[CoinTracker](https://www.cointracker.io) makes cryptocurrency portfolio tracking and tax compliance simple. CoinTracker enables consumers and businesses to seamlessly track their cryptocurrency portfolio, investment performance, taxes, and more. We are a globally distributed team on a mission to enable everyone in the world to use crypto with peace of mind. [Learn more](https://www.notion.so/cointracker/CoinTracker-is-Hiring-7308c712493940a3b6e62257d283dad8) about our mission, culture, and hiring process.", "one_liner": "The gold standard in cryptocurrency portfolio tracking and taxes", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1509591796, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Consumer" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cointracker", "api": "https://yc-oss.github.io/api/batches/winter-2018/cointracker.json" }, { "id": 1806, "name": "Flinto", "slug": "flinto", "former_names": [ "Flint" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea3b87fd86a38827492c7301ba323f80925ce00c.png", "website": "http://flinto.app", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Send money to friends, pay at merchants, and take care of your bills through your phone, even without a bank account.", "one_liner": "Mexico's digital wallet", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1510113782, "tags": [ "Fintech", "Consumer", "Latin America" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flinto", "api": "https://yc-oss.github.io/api/batches/winter-2018/flinto.json" }, { "id": 1810, "name": "Treasury Prime", "slug": "treasury-prime", "former_names": [ "Ronin Financial Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fb0b666cc71eaf3fdcc64a67ec3b353f2339e37f.png", "website": "https://treasuryprime.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Founded in 2017, Treasury Prime is an embedded banking software platform connecting enterprise companies to a vast marketplace of banks and product partners to launch next-gen payment ecosystems on their platform. Our banking API offers the quickest, most secure way for fintechs and banks to partner, integrate and build modern financial products and increase revenue streams.\r\n\r\nWe power enterprise-class embedded banking solutions for a range of complex services including money transfer, risk mitigation and integration with bank infrastructure. It's these leading-edge capabilities that helped the company to win Best Banking-as-a-Service Platform from Tearsheet in 2021 and 2022. The company was also named to CB Insights’ annual 2021 Fintech 250 list.\r\n", "one_liner": "Embedded banking software platform and marketplace", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1510113792, "tags": [ "Banking as a Service", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/treasury-prime", "api": "https://yc-oss.github.io/api/batches/winter-2018/treasury-prime.json" }, { "id": 1832, "name": "Tilt (f.k.a. Delphia)", "slug": "tilt-fka-delphia", "former_names": [ "Vox Pop Labs", "Delphia", "Delphia (d.b.a. Tilt)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d97c7b6a062bbf024d979f3e67fe169d6f103b8b.png", "website": "http://tilt.io", "all_locations": "Toronto, ON, Canada; Remote", "long_description": "Tilt lets anyone build evidence-backed, point-in-time, and deterministic rules-based investment strategies... in minutes. All you need is a prompt — whether a theme, trend, or detailed thesis — we'll take care of the rest. Advisors also use Tilt to customize their client portfolios with tax considerations and investment preferences. \r\n\r\nIf you're thinking about working here, we're on a mission to price the world's information.", "one_liner": "Tilt lets anyone build an index out of any content on the web.", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1510196648, "tags": [ "Fintech", "Machine Learning", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Canada", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tilt-fka-delphia", "api": "https://yc-oss.github.io/api/batches/winter-2018/tilt-fka-delphia.json" }, { "id": 1833, "name": "SafetyWing", "slug": "safetywing", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb944ea80d22a29ddc64949877063e0dd8d1343.png", "website": "http://www.safetywing.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": " At SafetyWing, we’re building a global social safety net for remote workers—simple health, insurance, and retirement products designed to replace national welfare systems.", "one_liner": "Health insurance for remote teams", "team_size": 130, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1510196650, "tags": [ "Consumer Health Services", "Insurance", "Remote Work" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/safetywing", "api": "https://yc-oss.github.io/api/batches/winter-2018/safetywing.json" }, { "id": 1834, "name": "Aspire", "slug": "aspire", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/753f62b42ec2f778dd6395d3ae91802c52ab6b5a.png", "website": "https://aspireapp.com", "all_locations": "Singapore, Singapore", "long_description": "Aspire is the all-in-one finance operating system for businesses.\r\n\r\nWe help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone.\r\n\r\nOur mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential.\r\n\r\nWe believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.", "one_liner": "All-in-one Finance OS for businesses", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1510196652, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aspire", "api": "https://yc-oss.github.io/api/batches/winter-2018/aspire.json" }, { "id": 1839, "name": "Groww", "slug": "groww", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ae62cb1672e8223d9b0ae2e5b7ecde4ae763c5e.png", "website": "https://groww.in", "all_locations": "Bengaluru, KA, India", "long_description": "Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. \r\n\r\nGroww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs. \r\n", "one_liner": "Making financial services simple, transparent and delightful. ", "team_size": 1050, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1510200189, "tags": [ "India", "Investing" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Public", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/groww", "api": "https://yc-oss.github.io/api/batches/winter-2018/groww.json" }, { "id": 1855, "name": "Ben", "slug": "ben", "former_names": [ "Benjamin" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/950a7ff21b20446149a3abc8e1f1ea56dfb41d52.png", "website": "https://ben.co", "all_locations": "San Diego, CA, USA", "long_description": "Ben aims to be a unified platform for learning about, buying, selling, and storing cryptocurrency.\r\n\r\nWith the hundreds of wallets and exchanges floating around in the blockchain ether, it’s easy for novices to get lost in the fray. Ben’s mobile app distinguishes itself from other wallet exchanges by integrating crypto education, using the platform to also deliver news about currencies and offer Q&As related to crypto investing.", "one_liner": "The easiest way to learn about, buy, and store cryptocurrency.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1511226168, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ben", "api": "https://yc-oss.github.io/api/batches/winter-2018/ben.json" }, { "id": 1868, "name": "ErudiFi", "slug": "erudifi", "former_names": [ "Dana Cita" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08a99595929227809d749f19797f066195ec973.png", "website": "http://www.erudifi.com", "all_locations": "Singapore, Singapore", "long_description": "ErudiFi is a mission-driven technology company focused on expanding access to financial services for students. Operating as Danacita in Indonesia and Bukas in the Philippines, ErudiFi provides students a smarter way to pay for education and helps them build credit history. By providing financial inclusion to underserved students across the region, we believe we can drive generational transformation and build a better tomorrow.", "one_liner": "Digital financial services for students in Southeast Asia", "team_size": 88, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1513134175, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/erudifi", "api": "https://yc-oss.github.io/api/batches/winter-2018/erudifi.json" }, { "id": 1874, "name": "Look After My Bills", "slug": "look-after-my-bills", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/67feedac703051e2ac7e071240d7e52a5d06db78.png", "website": "http://www.lookaftermybills.com", "all_locations": "England, United Kingdom", "long_description": "Look After My Bills is a new auto-switching service making sure you're always on the best possible energy deal.", "one_liner": "Personal fintech - we optimise your bills, every year, automatically.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1513641739, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/look-after-my-bills", "api": "https://yc-oss.github.io/api/batches/winter-2018/look-after-my-bills.json" }, { "id": 1889, "name": "OWNY", "slug": "owny", "former_names": [ "RealtyBits" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b73cfea31b6ff0a32c8d2664edc429dc8262268.png", "website": "https://www.owny.com", "all_locations": "Palo Alto, CA, USA", "long_description": "Owny provides businesses with a turn-key portal to issue Funds, SAFEs and Notes. Your portal is fully equipped to manage investors, treasury, multi-currency accounts and ability to send and request ACH/Wire payments globally. Optional features include seamless crypto custody and solutions through Coinbase Institutional.", "one_liner": "Manage capital, investors & banking in one place.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1524539152, "tags": [ "Artificial Intelligence", "Banking as a Service", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/owny", "api": "https://yc-oss.github.io/api/batches/summer-2018/owny.json" }, { "id": 1900, "name": "Satchel", "slug": "satchel", "former_names": [ "Send Reality" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/804e5d168311f12d90d32904b63bf345c1856c27.png", "website": "https://satchel.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1524625562, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/satchel", "api": "https://yc-oss.github.io/api/batches/summer-2018/satchel.json" }, { "id": 1914, "name": "Titan", "slug": "titan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/19f24c2787f58320fe1255e16516516512e17575.png", "website": "http://www.titan.com", "all_locations": "New York City, NY, USA", "long_description": "Titan is an award-winning wealth manager with a mission to increase our generation’s compound growth rate. We plan to do this by putting a human wealth advisor in every pocket. Historically, wealth managers have been accessible to only the ultra-wealthy. With Titan, they’re available to everyone. We harness frontier technologies like artificial intelligence to build a platform that gives advisors superpowers, enabling them to serve clients they historically never could. Backed by a16z, General Catalyst, Sam Altman, and many others, we manage over $1 billion in assets for clients across the country.\r\n\r\n", "one_liner": "Titan is an award-winning wealth manager with a mission to increase…", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1524711767, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/titan", "api": "https://yc-oss.github.io/api/batches/summer-2018/titan.json" }, { "id": 1960, "name": "Ajaib", "slug": "ajaib", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e1bf471cb1ca823b88101b2542b323bf09e743d5.png", "website": "https://www.ajaib.co.id/", "all_locations": "Jakarta, Jakarta, Indonesia; Remote", "long_description": "Ajaib is an online brokerage that allows Indonesians to buy and sell stocks, ETFs and mutual funds. We are Indonesia's leading financial technology platform driven by a mission to educate the importance of investing for the future.\r\n\r\nGuided by the three principles; Everyone is an owner, a growth mindset, and a will to win, we aim to increase the number of financial inclusion within Indonesians through investment. Ajaib is committed to opening the door to access safe, trusted and affordable investment instruments. We transformed the way young generations invested when we first established in 2018.\r\n\r\nToday, Ajaib is the third-largest brokerage by the number of transactions in Indonesia, with over 1 million investors based on our platform and titled as the fastest-growing unicorn in South East Asia.", "one_liner": "Consumer fintech for Indonesia", "team_size": 300, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1525233992, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ajaib", "api": "https://yc-oss.github.io/api/batches/summer-2018/ajaib.json" }, { "id": 1970, "name": "Alpha Vantage", "slug": "alpha-vantage", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fccb7b1e6dbde25d668a442439b79122df4f20cd.png", "website": "https://www.alphavantage.co/", "all_locations": "Boston, MA, USA", "long_description": "Alpha Vantage provides enterprise-grade financial market data through a set of powerful and developer-friendly data APIs and spreadsheets. Whether you need traditional asset classes (e.g., stocks, ETFs, commodities), economic metrics, foreign exchange rates, cryptocurrencies, fundamental data or even technical indicators, Alpha Vantage is your one-stop shop for global market data delivered through REST APIs.", "one_liner": "Developer-friendly and enterprise-grade APIs for financial market…", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1525316905, "tags": [ "Developer Tools", "SaaS", "Analytics", "API", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/alpha-vantage", "api": "https://yc-oss.github.io/api/batches/summer-2018/alpha-vantage.json" }, { "id": 1988, "name": "Prodigal", "slug": "prodigal", "former_names": [ "Prodigal technologies", "Prodigal Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "website": "https://prodigaltech.com/", "all_locations": "Mountain View, CA, USA", "long_description": "We build AI agents for loan servicing and collections\r\n\r\nProdigal has AI agents for loan servicing and collections. Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments.\r\n\r\nWe are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue. \r\n\r\nHeadquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.", "one_liner": "Lending Intelligence Software", "team_size": 65, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1525745154, "tags": [ "Fintech", "SaaS", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/prodigal", "api": "https://yc-oss.github.io/api/batches/summer-2018/prodigal.json" }, { "id": 1992, "name": "Fintual", "slug": "fintual", "former_names": [ "Fintual", "Fintual Inc.", "Fintual", "Fintual Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cbf5d38f9bacbb95da30894913569c413307b19d.png", "website": "https://fintual.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "We allow people to invest.\r\n\r\nWe manage +USD 2B from +200,000 customers. \r\n\r\nWe are regulated in Mexico and Chile.", "one_liner": "Wealth manager", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1525745161, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Chile", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fintual", "api": "https://yc-oss.github.io/api/batches/summer-2018/fintual.json" }, { "id": 2002, "name": "Nova", "slug": "nova-2", "former_names": [ "Abacus Protocol", "Abacus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0364689423de527320c7ab191c89691067d7e91.png", "website": "https://novahq.com", "all_locations": "Dallas, TX, USA", "long_description": "Nova centralizes digital subscriptions, data room, and ongoing investor communication in a single investor management platform for private funds.", "one_liner": "Digital subscriptions that delight investors.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1525838958, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nova-2", "api": "https://yc-oss.github.io/api/batches/summer-2018/nova-2.json" }, { "id": 2007, "name": "Khatabook", "slug": "khatabook", "former_names": [ "Kyte" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/66b2f57ed74a17802ce2f389dc5be76a7d2e0fe0.png", "website": "https://khatabook.com/", "all_locations": "Bengaluru, KA, India", "long_description": "Replace your traditional ledgers with new digital Khatabook and Avail financial services like Lending for your business. Business owners can use the app to record credit (Jama) and debit (Udhar) transactions for their trusted customers. It is 100% Free, Safe, and Secure for all types of businesses to maintain their customers'​ accounts.\r\n", "one_liner": "Manage your ledgers and avail Financial Services like Lending on your…", "team_size": 350, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1526436265, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/khatabook", "api": "https://yc-oss.github.io/api/batches/summer-2018/khatabook.json" }, { "id": 2011, "name": "Helicarrier (prev Buycoins)", "slug": "helicarrier-prev-buycoins", "former_names": [ "Bitkoin Africa", "BuyCoins", "Buycoins", "Helicarrier" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43f6ad213b156602e95160d80103b0750e2abdef.png", "website": "https://helicarrier.studio", "all_locations": "London, United Kingdom; LA, Nigeria", "long_description": "Helicarrier (previously Buycoins) is building cryptocurrency infrastructure for Africa. \r\n\r\nSendcash is an app that lets Africans in the diaspora send money back home. Buycoins is the easiest place to buy, sell, and manage your cryptocurrency portfolio.", "one_liner": "Cryptocurrency infrastructure for Africa.", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1526439888, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Nigeria", "Europe", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/helicarrier-prev-buycoins", "api": "https://yc-oss.github.io/api/batches/summer-2018/helicarrier-prev-buycoins.json" }, { "id": 2012, "name": "Cowrywise", "slug": "cowrywise", "former_names": [ "CowryWise" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1be40958eef551178d608eaecb35f9c6882c4993.png", "website": "https://cowrywise.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Cowrywise is a FinTech company democratizing access to premium financial services by making these services available to the mass market cheaply. We are leveraging technology and investment management to re-imagine how financial planning, savings and investment products are delivered to people. We do this by helping our customers achieve their savings and investments goals in a simple, secure and affordable manner.", "one_liner": "Digitizing wealth management in Africa", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1526439889, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cowrywise", "api": "https://yc-oss.github.io/api/batches/summer-2018/cowrywise.json" }, { "id": 2022, "name": "Oxygen", "slug": "oxygen", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5ac044a14a32245f624d5efa2cd41127c9f84b1c.png", "website": "http://getoxygen.com", "all_locations": "San Francisco, CA, USA; Los Angeles, CA, USA; Remote", "long_description": "", "one_liner": "A leading digital bank in the US offering personal and business…", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1527052080, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/oxygen", "api": "https://yc-oss.github.io/api/batches/summer-2018/oxygen.json" }, { "id": 2032, "name": "OkCredit", "slug": "okcredit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/319d958d1c1ed34dab6fa69de4c65c566d82fcc8.png", "website": "https://www.okcredit.in", "all_locations": "Bengaluru, KA, India", "long_description": "Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! \r\n\r\nThe 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper!\r\n\r\nOKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. We have changed the way the MSMEs record the transactions and eased their life today. \r\n\r\n", "one_liner": "Simple and secure bookkeeping for Indian businesses.", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1528153427, "tags": [ "FinOps", "Fintech", "Payments", "Finance", "India", "SMB" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/okcredit", "api": "https://yc-oss.github.io/api/batches/summer-2018/okcredit.json" }, { "id": 2033, "name": "Kinside", "slug": "kinside", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70ca1a8a7c946397f4ff4c2f6fb41d8ea5ebf33e.png", "website": "https://www.kinside.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Kinside powers bookings and payments for the $648B care economy. We’ve started with child care, a $136B category that despite being an essential and evergreen service, remains an undigitized space, driven mostly by cash. ", "one_liner": "Powering the $648b Care Economy", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1528157028, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kinside", "api": "https://yc-oss.github.io/api/batches/summer-2018/kinside.json" }, { "id": 4940, "name": "Wave", "slug": "wave", "former_names": [ "Wave", "Wave Mobile Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb010b1c1951d3cc6578fb3ff4c83700de7c376.png", "website": "https://wave.com", "all_locations": "Dakar, Dakar Region, Senegal; Remote", "long_description": "Building extremely affordable financial infrastructure for Africa.", "one_liner": "Mobile money app for Africa", "team_size": 1600, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1638361727, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Senegal", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/wave", "api": "https://yc-oss.github.io/api/batches/winter-2012/wave.json" }, { "id": 11926, "name": "Parker", "slug": "parker", "former_names": [ "Woke", "Jamabla" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d9461ed7e5093ac18bab6ae2cb43de29136be3a7.png", "website": "https://www.getparker.com", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "Parker is a digital bank.", "one_liner": "Parker is a digital bank.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1622755385, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/parker", "api": "https://yc-oss.github.io/api/batches/winter-2019/parker.json" }, { "id": 11927, "name": "Canopy (was Encarte)", "slug": "encarte", "former_names": [ "Encarte" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3851660137a3ecd29db1fb71f166603825b86c3b.png", "website": "https://www.heycanopy.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Encarte is building 1-click checkout for all online stores.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1540955022, "tags": [ "Payments", "E-Commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/encarte", "api": "https://yc-oss.github.io/api/batches/winter-2019/encarte.json" }, { "id": 11940, "name": "Keeper", "slug": "keeper-2", "former_names": [ "Write It Off", "Keeper", "Keeper Tax" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bfbb1071a34d969fc17410d80d00fc916230dcb.png", "website": "https://keepertax.com", "all_locations": "San Francisco, CA, USA", "long_description": "Keeper is AI tax filing for complex returns. We serve individuals and small businesses in the US. Today, over 50% of tax returns still get filed by accountants - that’s 75M returns a year. Unfortunately, great accountants are really hard to find, and the data shows most of them are retiring in the next 5-10 years. \r\n\r\nKeeper is the modern alternative. We use AI to automate most of the prep work, which frees up in-house human tax experts to focus on guidance and reviewing final results. The net outcome is that we’re able to deliver higher quality / more accurate returns at 50% of the cost of traditional accountants.", "one_liner": "AI tax filing for complex returns", "team_size": 21, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1541037760, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/keeper-2", "api": "https://yc-oss.github.io/api/batches/winter-2019/keeper-2.json" }, { "id": 11943, "name": "Kalshi", "slug": "kalshi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/42535d3c0d7bdb4069a3dc31f088f327ee7e59da.png", "website": "https://www.kalshi.com", "all_locations": "New York, NY, USA", "long_description": "Kalshi (www.kalshi.com) is the first federally regulated exchange where you can trade on the outcome of events. We built Kalshi because we believe that people should be able to capitalize on what they know and have opinions on. We make this possible by expanding what people can trade on and allowing them trade in the domain of everyday knowledge. \r\n\r\nKalshi is developing a new asset class, “event contracts,” and a financial exchange for trading on the outcome of events: we are federally regulated by the CFTC as the first-ever legal futures exchange in the U.S. for trading on a broad category of events.", "one_liner": "1st federally regulated exchange where people can trade on events", "team_size": 125, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1541037761, "tags": [ "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kalshi", "api": "https://yc-oss.github.io/api/batches/winter-2019/kalshi.json" }, { "id": 11993, "name": "WeatherCheck", "slug": "weathercheck", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e62bc5fb389686bebb7f80182d62fc3aa5b06354.png", "website": "https://www.weathercheck.co/", "all_locations": "Louisville, KY, USA", "long_description": "WeatherChecks application tells anyone when severe hail is about to strike and when it has in fact impacted a property. Using state of the science technologies we compute and analyze geo-weather data faster than every weather company globally. This allows companies, insurance companies specifically to gain dynamic insight into their overall exposure and enabling them to respond more quickly and efficiently to disaster.", "one_liner": "WeatherCheck monitors properties for hail damage so that insurance…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1541201649, "tags": [ "Weather", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/weathercheck", "api": "https://yc-oss.github.io/api/batches/winter-2019/weathercheck.json" }, { "id": 12006, "name": "AI Insurance", "slug": "ai-insurance", "former_names": [ "AIInsurance" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b31f0d2080bde9e9ace9229bae707bd4fc89619a.png", "website": "https://www.aiinsurance.io", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "AI Insurance is the platform that small-to-midsize insurance companies use to run every part of their business. Before we showed up, they used spreadsheets and filing cabinets – wasting as much as 60% of revenue on administrative expenses. We’re doing what Salesforce did for SMB sales teams, but we’re tapping into the over 10,000 insurance companies that waste $238 Billion dollars annually.", "one_liner": "AI Insurance is the platform that runs insurance companies", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1541473402, "tags": [ "Artificial Intelligence", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ai-insurance", "api": "https://yc-oss.github.io/api/batches/winter-2019/ai-insurance.json" }, { "id": 12008, "name": "Swadesh", "slug": "swadesh", "former_names": [ "GreenTiger", "Swadesh Bank" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3005a6903b8f09f2ec2bc2e3ea7c985baf513b48.png", "website": "http://www.swadesh.co", "all_locations": "New York, NY, USA; New Delhi, DL, India", "long_description": "We offer a free US FDIC Insured Checking account, Free Credit Card (no interest rate, collateral, fees), Free AT&T SIM Card shipped to home with 40%+ cheaper plans than retail, and save thousands of dollars in remittances to our customers - all by opening a free Swadesh Account. \r\n\r\nWe enable new to America expats become \"American\" in the eyes of the US Financial system. \r\nWe're starting by serving the 150,000+ Indian expats migrating to the US each year. \r\n\r\nWe have a comprehensive solution that covers banking, credit building, communication, remittance, as well as value-add services such as insurance, housing etc. along with all the standard bells and whistles of neobanks. ", "one_liner": "We setup Immigrants with a free US Bank Account, Credit Card, SIM…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1541475254, "tags": [ "Fintech", "Remittances", "Immigration" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/swadesh", "api": "https://yc-oss.github.io/api/batches/summer-2019/swadesh.json" }, { "id": 12073, "name": "Fuse", "slug": "fuse", "former_names": [ "Cluttr", "YSplit", "YSplit (was Cluttr)", "YSplit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c50b6b3d32852a4b7f08b0e113b65fd5a0c29dcf.png", "website": "https://www.letsfuse.com/", "all_locations": "New York, NY, USA", "long_description": "Fuse provides single API that integrates with multiple bank connection vendors, such as Plaid, MX, Teller, Finicity and Yodlee. Users can easily search for and select their bank via a drop-in component in your app, and then the most reliable bank connection vendor for that bank will be displayed. Fuse also provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you.\r\n\r\nBy using Fuse, companies can improve the reliability of bank connections, reduce disconnections, and support more banks. ", "one_liner": "Unified API for financial data aggregators.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1541646249, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fuse", "api": "https://yc-oss.github.io/api/batches/winter-2019/fuse.json" }, { "id": 12095, "name": "Upsolve", "slug": "upsolve", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d5de4c1412998050fa2085e9dbcb8dee8ebd735.png", "website": "https://upsolve.org/learn/should-i-file-for-chapter-7-bankruptcy/", "all_locations": "Boston, MA, USA; New York, NY, USA", "long_description": "Upsolve is a tech-driven nonprofit that helps low-income Americans overcome debt and rebuild credit at scale. Upsolve was founded in Harvard Law School’s Access to Justice Lab in 2016. Since then, Upsolve has become the nation’s most visited nonprofit financial education site. Upsolve.org educates approximately 2.9 million people a year with 2,000 articles on an array of debt and credit topics. To date, Upsolve’s free DIY bankruptcy filing tool has been used by over 14,000 families to relieve over $600,000,000 in debt. Upsolve users are disproportionately Black and Brown with an average household income of $25,000. Upsolve is now launching a suite of AI tools to help low-income Americans resolve their financial distress earlier. ", "one_liner": "Helping low-income Americans overcome debt and rebuild credit at…", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1541720034, "tags": [ "Fintech", "Nonprofit", "LegalTech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": true, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/upsolve", "api": "https://yc-oss.github.io/api/batches/winter-2019/upsolve.json" }, { "id": 12119, "name": "Alpaca", "slug": "alpaca", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/52a69dab52f99ab972ab44d22d038a190f461ac4.png", "website": "https://alpaca.markets/", "all_locations": "San Mateo, CA, USA; Remote", "long_description": "Alpaca is an API infrastructure and licensed financial services company that allows developers and businesses to offer stock and crypto investing to their end-customers. We work with more than 100 companies across the globe to enable their investing products, and our mission is to provide financial services to everyone on the planet.\r\n\r\nAlpaca’s globally distributed team consists of developers, traders, and brokerage business specialists and backed by a group of well-capitalized investors including Portage Ventures, Spark Capital, Tribe Capital, Unbound, Social Leverage, Horizons Ventures, Y Combinator as well as highly experienced industry angel investors and founders. We are also very tech-enthusiastic with notable track records in open-source and startup communities.", "one_liner": "API-first stock and crypto brokerage platform", "team_size": 150, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1541793742, "tags": [ "Developer Tools", "Fintech", "API", "Investing", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alpaca", "api": "https://yc-oss.github.io/api/batches/winter-2019/alpaca.json" }, { "id": 12235, "name": "Mudrex", "slug": "mudrex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d7b2fc776860d94ede337b7dc0245e2e9621b3cf.png", "website": "https://mudrex.com", "all_locations": "Bengaluru, India; Remote", "long_description": "Mudrex offers the the widest chose of crypto products at the lowest process all packed in a simple App that users love. No wonder we are one of India's larges crypto investing platforms!", "one_liner": "India's largest crypto investing paltform", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1543948472, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mudrex", "api": "https://yc-oss.github.io/api/batches/winter-2019/mudrex.json" }, { "id": 12236, "name": "NALA", "slug": "nala", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b88d5a316c1273387235d0b00032377e1df4b77f.png", "website": "http://nala.com", "all_locations": "New York, NY, USA", "long_description": "Story here: https://www.youtube.com/watch?v=FZfKgoseJ5E&t=1s\r\n\r\nWe have two products: \r\n1. Consumer Cross Border payments to Emerging Markets : nala.com\r\n2. Stablecoin Payment Rails for emerging markets: rafiki.com", "one_liner": "Building Payments for the Next Billion.", "team_size": 168, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1543948489, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nala", "api": "https://yc-oss.github.io/api/batches/winter-2019/nala.json" }, { "id": 12238, "name": "Seawise Capital", "slug": "seawise-capital", "former_names": [ "LendVerse" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a57aa2997d907d0589203748d7cd45c89c36483.png", "website": "https://www.seawisecapital.com", "all_locations": "New Delhi, DL, India", "long_description": "Seawise Capital is a trade finance company for Indian exporters. We provide SME's working capital against the strength of their international customers. We are able to provide these businesses with collateral-free capital by discounting invoices from their large overseas customers.", "one_liner": "Trade finance company for Indian exporters", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1543948519, "tags": [ "Finance", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/seawise-capital", "api": "https://yc-oss.github.io/api/batches/winter-2019/seawise-capital.json" }, { "id": 12240, "name": "Zippi", "slug": "zippi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bfb0fa1b078fc976591e71eccdf15d6bee81168.png", "website": "https://www.zippi.com.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "Developer of a personal loans provider platform intended to benefit self-employed people financially. The company's platform offers weekly invoices, and payment through an application and does not charge an annual fee, enabling clients to focus on their business growth.", "one_liner": "Payment Platform for LatAm Micro and Small Businesses", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1543948520, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zippi", "api": "https://yc-oss.github.io/api/batches/summer-2019/zippi.json" }, { "id": 12244, "name": "Kovi", "slug": "kovi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/550584b5ede9d05c71bf6270532602123644a502.png", "website": "https://www.kovi.com.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "", "one_liner": "Making car ownership more inclusive, flexible and simple.", "team_size": 890, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1543950206, "tags": [ "Auto Commerce", "Mobility" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kovi", "api": "https://yc-oss.github.io/api/batches/winter-2019/kovi.json" }, { "id": 12248, "name": "CredPal", "slug": "credpal", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26060e3f4fcaf864c1b5a8861ff76018a2ecb874.png", "website": "https://credpal.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "", "one_liner": "CredPal is a buy now pay later company in Africa that allows…", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1543950223, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/credpal", "api": "https://yc-oss.github.io/api/batches/winter-2019/credpal.json" }, { "id": 12249, "name": "Spring in Africa", "slug": "spring-in-africa", "former_names": [ "Wallets Africa", "Wallets", "Spring", "Spring Africa", "Spring", "The Wallets Company", "Wallets Africa", "Wallets Africa Inc", "The Wallets Company", "Spring", "Wallets Africa", "Spring", "Wallets Africa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/626fd22b786f76632e2cc82d33ca1f9e32d00011.png", "website": "https://springinafrica.com", "all_locations": "San Francisco, CA, USA; LA, Nigeria; Remote", "long_description": "Backing innovation, building financial technology. Focused on emerging markets and leveraging people finesse with capital. ", "one_liner": "Investing in innovation ", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1543950223, "tags": [ "Fintech", "SaaS", "Payments", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "Nigeria", "America / Canada", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/spring-in-africa", "api": "https://yc-oss.github.io/api/batches/winter-2019/spring-in-africa.json" }, { "id": 12262, "name": "Cuanto", "slug": "cuanto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7537c2ea53c825f90e7b66831754edaddd1f069b.png", "website": "https://www.cuanto.app", "all_locations": "Panama City, Panama, Panama; Remote", "long_description": "We are building the operating system to allow merchants in the developing world to sell online. We started by helping those in LatAm instantly launch online to monetize their audience and sell over social media.\r\n\r\nWe help merchants create a storefront, process payments, and manage fulfillment in one simple platform.\r\n", "one_liner": "Building the operating system for developing world merchants", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1543982567, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Panama", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cuanto", "api": "https://yc-oss.github.io/api/batches/winter-2019/cuanto.json" }, { "id": 12273, "name": "Globe", "slug": "globe", "former_names": [ "Fifth Row Technologies", "globe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/07fc8711d53bff780e8a1a0a0737d04137bffc8d.png", "website": "https://globe.exchange", "all_locations": "London, United Kingdom; Seychelles; Remote", "long_description": "The global cryptocurrency derivatives exchange \r\n\r\nInventors of bitcoin VIX, the first low latency perpetual futures exchange and more", "one_liner": "coinbase for derivatives", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1544065511, "tags": [ "DeFi", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Seychelles", "Europe", "Africa", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/globe", "api": "https://yc-oss.github.io/api/batches/winter-2019/globe.json" }, { "id": 12278, "name": "Verto", "slug": "verto", "former_names": [ "Verto FX", "VertoFX" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/576b45f257548345c964f5d5d6621c981f205710.png", "website": "http://www.vertofx.com", "all_locations": "London, England, United Kingdom", "long_description": "Verto is a cross-border payment platform for businesses; our mission is to simplify cross-border payments in emerging markets, particularly Africa.\r\n\r\nWe do this by providing businesses with superb infrastructure that they can use to convert, hold, receive and make payments across 49 currencies.\r\n\r\nBy connecting Businesses, Liquidity providers, FX Brokers, and Payment Institutions, and banks through our marketplace, companies can choose their foreign exchange rates at the time that suits them, therefore, providing a constant liquidity flow cheaply. ", "one_liner": "Cross-Border Payments and FX Simplified", "team_size": 170, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1544068971, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/verto", "api": "https://yc-oss.github.io/api/batches/winter-2019/verto.json" }, { "id": 12297, "name": "Numero", "slug": "numero", "former_names": [ "Level Systems" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8663319687cca8664b93c3aa543baf1423129ed5.png", "website": "https://www.numero.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "At Numero, we build software for political campaigns and nonprofits. We were founded in 2019 (after our founders met while working together on a Congressional race) with the goal of building a modern fundraising software suite from the ground up – one that users actually want to use. In that time, we’ve scaled our platform to serve thousands of clients ranging from city council seats to US Senate races, and have helped them collectively manage over $10B in contributions.\r\n\r\nOur platform is an all-in-one system comprised of a donor CRM, a broadcast email/text tool, and payment processing pages that our clients rely on for their work every day. We’re small, tight-knit team that has deep experience in this space and are backed by world class investors including 776, Y Combinator, and Initialized Capital.", "one_liner": "Modern fundraising software for political campaigns and nonprofits.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1633478434, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/numero", "api": "https://yc-oss.github.io/api/batches/winter-2019/numero.json" }, { "id": 12300, "name": "Atlas", "slug": "atlas-3", "former_names": [ "Point" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5267aca318aea43396ca74890f5c296b36c0e1e7.png", "website": "https://atlascard.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Modern spend management & concierge.", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1544135685, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/atlas-3", "api": "https://yc-oss.github.io/api/batches/winter-2019/atlas-3.json" }, { "id": 12344, "name": "Accept.inc (formerly BoardRE)", "slug": "accept-inc", "former_names": [ "Board", "BoardRE" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://www.accept.inc", "all_locations": "Denver, CO, USA", "long_description": "In a transaction powered by Board, sellers and agents are doing business with Board -- not the buyer. We act as an intermediary buyer of a home, using our cash to buy homes for the 80% of homebuyers who need and qualify for a mortgage. By removing the lender from real estate transactions, sellers and agents to close in as little as 2-3 days and buyers can lock-in their homes of choice at the best possible price before closing on their mortgage. \r\n\r\nWith Board, buyers can \"Buy Now. Mortgage Later\" so everyone can have a cash deal. \r\n\r\nWe differentiate ourselves from others in the \"iBuyer\" market by allowing anyone to have an all cash deal as opposed to buying, fixing and flipping properties for ourselves (e.g. Opendoor, OfferPad...etc). Board works directly with national lenders to evaluate the creditworthiness of buyers upfront and will use a short term credit facility to facilitate the purchasing of homes. \r\n\r\n", "one_liner": "BoardRE is a new type of mortgage company that upgrades any offer…", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1622652247, "tags": [ "Fintech", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/accept-inc", "api": "https://yc-oss.github.io/api/batches/winter-2019/accept-inc.json" }, { "id": 12366, "name": "Catch", "slug": "catch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aa4c35a6f8f553f40faf34ff03bdf8c8fdf76754.png", "website": "http://www.catch.co", "all_locations": "New York, NY, USA", "long_description": "Catch makes it easy for anyone who doesn't get benefits from an employer to set up and manage their own benefits package. We automatically withhold from each paycheck for tax withholding, time off, savings and retirement. We also help you find and enroll in the right health insurance plan and keep your premium payments on track. By connecting to your existing bank account, we monitor when you get paid, and act on a plan that can help keep you covered no matter what life throws at you. ", "one_liner": "Benefits for independent workers.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1546477431, "tags": [ "Fintech", "Consumer", "Health Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/catch", "api": "https://yc-oss.github.io/api/batches/winter-2019/catch.json" }, { "id": 12453, "name": "Path", "slug": "path", "former_names": [ "ScholarMe Co.", "ScholarMe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b21e049fbb2e03f381f8fc0aabce93110dae624f.png", "website": "https://path.me", "all_locations": "New York, NY, USA", "long_description": "Path gives you a money manager who:\r\n\r\n- gets you money for college\r\n- builds your credit with a debit card\r\n- gives you a savings account that pays you 5% interest\r\n- helps you make more money\r\n\r\nand makes sure you don’t f**k up your financial future in your 20’s \r\n\r\nall for $20/mo", "one_liner": "Financial advisors for Gen-Z", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1551146013, "tags": [ "Education", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/path", "api": "https://yc-oss.github.io/api/batches/summer-2019/path.json" }, { "id": 12504, "name": "Vouch", "slug": "vouch", "former_names": [ "Vouch (SV Instech", "Inc. = legal name)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d1d486d4edef6bd293253ef438f3cf9c1880507.png", "website": "http://vouch.us", "all_locations": "San Francisco, CA, USA", "long_description": "Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving, innovative startups.\r\n\r\nVouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies.\r\n\r\nWe're doing this by making insurance fast, responsive, and focused on our high-growth and innovative customers. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry.", "one_liner": "Insurance and risk management tools for startups and growth-stage…", "team_size": 190, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1553635905, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/vouch", "api": "https://yc-oss.github.io/api/batches/summer-2019/vouch.json" }, { "id": 12533, "name": "Lofty", "slug": "lofty", "former_names": [ "Lofty AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a04ef2b7d6dce455bc9febecc0ebda46301613.png", "website": "https://www.lofty.ai/", "all_locations": "Los Angeles, CA, USA; Miami, FL, USA; Remote", "long_description": "Lofty is a marketplace that let's anyone sell a house to investors online. Instead of the typical real estate transaction where one seller sells to one buyer, Lofty is much more flexible.\r\n\r\nSellers fractionalize their equity ownership in the property into smaller units, so that anyone can buy a portion for as little as $50, allowing access to one of the best asset classes for people who have previously been locked out. Sellers can also sell a portion of their equity (starting at just 10%) instead of the entire property or create customized HELOC structures.\r\n\r\nInvestors can browse a variety of individual real estate properties ranging from commercial strip malls, a HELOC in someone's house, Airbnbs, to a single-family rental properties, and directly purchase ownership in these properties in under 5 minutes. There is no lockup period. Users can constantly trade these ownerships with others on the marketplace.\r\n\r\nInvestors truly legally own the properties they invested in and co-manage it with other investors through an online governance program. Owners have so far voted on how to handle various repairs, delinquent tenants, the sale of the underlying property, and much more.\r\n\r\nLofty never custodies or handles user funds or assets. Through smart-contracts on the blockchain, all transactions are directly peer-to-peer.\r\n\r\nIf we succeed, we'll have built the NASDAQ for real estate and transformed how real estate is bought and sold in the USA.", "one_liner": "Building the NASDAQ for Real Estate.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1555991344, "tags": [ "Fintech", "Crypto / Web3", "Real Estate", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lofty", "api": "https://yc-oss.github.io/api/batches/summer-2019/lofty.json" }, { "id": 12545, "name": "Method Financial", "slug": "method-financial", "former_names": [ "Forward", "GradJoy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8fe82c6fb65a41c32500091074e518f40adc2538.png", "website": "https://methodfi.com", "all_locations": "New York, NY, USA", "long_description": "Method provides connectivity to consumer credit and liability accounts, enabling end-to-end refinance experiences, real-time account data access, and one-click checkout.", "one_liner": "Financial connectivity API for consumer liabilities", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1556075147, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/method-financial", "api": "https://yc-oss.github.io/api/batches/summer-2019/method-financial.json" }, { "id": 12575, "name": "Zeal", "slug": "zeal", "former_names": [ "HealthSense IO", "Puzzl Group (Formerly HealthSense IO)", "Puzzl Group", "Puzzl", "Zeal (formerly Puzzl)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cc757fab649eb099b338e2938bcebc7fd3fa0813.png", "website": "https://www.zeal.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Modern payroll for modern work", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1556161445, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zeal", "api": "https://yc-oss.github.io/api/batches/summer-2019/zeal.json" }, { "id": 12599, "name": "Sable", "slug": "sable", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/682ae8359f3196bfbd0f33bad112a609474463e1.png", "website": "http://www.sablecard.com", "all_locations": "New York, NY, USA", "long_description": "Sable is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. Newcomers to the U.S. can open a Sable account within five minutes, and start building their U.S. credit history from day 1, all without the need of an SSN or prior U.S. credit history. The Sable app is available on iOS and Android.", "one_liner": "Mobile bank for credit-worthy, new-to-America internationals offering…", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1556225744, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sable", "api": "https://yc-oss.github.io/api/batches/summer-2019/sable.json" }, { "id": 12609, "name": "Soteris", "slug": "soteris", "former_names": [ "Soteris", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2f7076cd96bbe1cf2655f77eaf4ce963991da6.png", "website": "http://www.soteris.co", "all_locations": "San Francisco, CA, USA", "long_description": "Soteris is a YC-backed company with a four-person team and a great investor base building a first-of-its-kind data ML pricing system for insurance, starting with personal auto.", "one_liner": "We write ML software to more accurately select & price insurance risk.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1611607083, "tags": [ "Fintech", "Machine Learning", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/soteris", "api": "https://yc-oss.github.io/api/batches/summer-2019/soteris.json" }, { "id": 12631, "name": "Fynn", "slug": "fynn", "former_names": [ "Silkswap", "Axite Labs", "TradeUp" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2130bc9129d6903e966a14272a2916b912d00d2e.png", "website": "https://www.fynncredit.com", "all_locations": "New York, NY, USA; Dallas, TX, USA; Minneapolis, MN, USA", "long_description": "Fynn helps people afford trade school in the US. We bring fair and affordable private loans to the trade space, to help students pursue in-demand careers like electricians, nurses, welders, or pharmacists.\r\n", "one_liner": "SoFi for trade students", "team_size": 26, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1556684344, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fynn", "api": "https://yc-oss.github.io/api/batches/summer-2019/fynn.json" }, { "id": 12647, "name": "Rainbow", "slug": "rainbow", "former_names": [ "Rainbow 🌈" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/28f27645fc5edf8589ed512ab974bba4e165bad1.png", "website": "https://rainbow.me", "all_locations": "New York, NY, USA", "long_description": "", "one_liner": "Open-source, design centric software for interacting with blockchains", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1629843344, "tags": [ "DeFi", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rainbow", "api": "https://yc-oss.github.io/api/batches/summer-2019/rainbow.json" }, { "id": 12655, "name": "Compound", "slug": "compound", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f11e5dada8d8ebbf9967a5104a41e9b99bc1fd2.png", "website": "https://withcompound.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Compound empowers people who work in tech to make better financial decisions so they have the freedom to focus on what matters most. ", "one_liner": "Compound is a wealth manager for people who work at tech companies. ", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1556763101, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/compound", "api": "https://yc-oss.github.io/api/batches/summer-2019/compound.json" }, { "id": 12658, "name": "Blair", "slug": "blair", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4f8844325bf0be66cbcc612a94706b9fe5dd329.png", "website": "https://joinblair.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Raised a +100M Debt fund to finance thousands of students in the US. Raised 7.5M in Equity from top-tier VCs and multiple Unicorn Founders. Sold all assets in 2022 after regulatory changes in our space. Lots of learnings and many lives we changed for the better :) ", "one_liner": "Financing education through Income Share Agreements", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1556763478, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/blair", "api": "https://yc-oss.github.io/api/batches/summer-2019/blair.json" }, { "id": 12727, "name": "Proof Trading", "slug": "proof-trading", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a93bb09c081082ee41cc73e657ec96f71ef5cc9.png", "website": "https://prooftrading.com", "all_locations": "New York, NY, USA", "long_description": "", "one_liner": "Institutional equities broker-dealer", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1557422398, "tags": [ "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/proof-trading", "api": "https://yc-oss.github.io/api/batches/summer-2019/proof-trading.json" }, { "id": 12760, "name": "FamPay", "slug": "fampay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/319c4ca66fa53bdc1e6c40bcff4a0ea5aebe575d.png", "website": "https://fampay.in", "all_locations": "Bengaluru, KA, India", "long_description": "With FamPay, minors can do UPI, P2P and card payments without the need to set up a bank account. FamPay allows parents to send money to their kids below the age of 18, which they can spend securely any time, anywhere, under parent’s supervision. FamPay aims at making payments smooth and fun for children.", "one_liner": "India’s first neobank for teenagers", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1584112100, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fampay", "api": "https://yc-oss.github.io/api/batches/summer-2019/fampay.json" }, { "id": 12829, "name": "Gotrade", "slug": "gotrade", "former_names": [ "TR8", "TradeID (formerly TR8)", "TradeID", "TradeID (formerly TR8)", "TradeID" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8e0b3bb137ba53419f4f43e1fa9fcba88163662.png", "website": "https://www.heygotrade.com/", "all_locations": "Singapore, Singapore", "long_description": "Gotrade empowers Southeast Asians to invest and trade in US Stocks, Options and ETFs. ", "one_liner": "Robinhood for Southeast Asia (SEA)", "team_size": 105, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1616992302, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Singapore", "Southeast Asia" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gotrade", "api": "https://yc-oss.github.io/api/batches/summer-2019/gotrade.json" }, { "id": 12831, "name": "Facio", "slug": "facio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5c11d24aa58d17993d0a18b5d92ae6282ee62269.png", "website": "https://www.facio.com.br/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "", "one_liner": "Salary advance to employees in Brazil.", "team_size": 36, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1588272098, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/facio", "api": "https://yc-oss.github.io/api/batches/winter-2020/facio.json" }, { "id": 12834, "name": "Flux", "slug": "flux", "former_names": [ "Flux QR" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f38739b0e1f431175c8487a6c712bb03a2548a2.png", "website": "http://paywithflux.com", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Flux is building the payment network for alternative payments, with a focus on bringing acceptance of all BNPL options to on-site merchants so they can max their client's buying power.\r\n\r\nFlux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.", "one_liner": "Flux is building the payment network for alternative payments in…", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559183041, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flux", "api": "https://yc-oss.github.io/api/batches/summer-2019/flux.json" }, { "id": 12835, "name": "Multis", "slug": "multis", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/35cfa6626f4db01284f3e93a3bf939e0f4d37f37.png", "website": "https://multis.com/", "all_locations": "Paris, Île-de-France, France", "long_description": "We build accounting & treasury management software solutions for web3 organizations. Get accurate financial statements and automate accounting tasks across any wallets. Say goodbye to crypto hassles and focus on growing your business.", "one_liner": "Accounting & Treasury Management Software for Web3 Teams ", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1559183057, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/multis", "api": "https://yc-oss.github.io/api/batches/summer-2019/multis.json" }, { "id": 12839, "name": "Tranqui Finanzas", "slug": "tranqui-finanzas", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2c42e831c6a8c7776b3ad57f187e2c8227a7cd2f.png", "website": "https://tranquifinanzas.com/", "all_locations": "Cali, Valle del Cauca, Colombia; Bogotá, Bogota, Colombia; Remote", "long_description": "Tranqui is a debt collection company that has revolutionized the industry with its digital-first approach. Utilizing cutting-edge analytics and machine learning, Tranqui offers a more efficient and effective debt collection experience for users.\r\n\r\nOur technology-driven approach enables us to analyze user data and behavior patterns to develop personalized communication and repayment plans. This ensures that our users receive a tailored experience that is optimized for their individual needs, resulting in a higher success rate for debt repayment.\r\n\r\nWith Tranqui, users can manage their debt repayment on their own terms, from the comfort of their own homes, thanks to our convenient and flexible digital channels. Our approach not only improves the debt collection experience for users but also helps to improve their overall financial health.\r\n\r\nChoose Tranqui for a better debt collection experience, with 2x the effectiveness of traditional debt collection methods.", "one_liner": "Debt Management for Latin America. ", "team_size": 27, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1559186351, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Colombia", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tranqui-finanzas", "api": "https://yc-oss.github.io/api/batches/summer-2019/tranqui-finanzas.json" }, { "id": 12841, "name": "Heru", "slug": "heru", "former_names": [ "Kuarto", "Kuarti" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/47fec39158f7320571960b7f1c85ed6a2abcf95d.png", "website": "https://www.heru.app/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Heru is the tech-based tax solution that automates tax filing procedures for consumers and Enterprises in Mexico. Our technology automatically, files taxes, deducts expenses, issues invoices and collects payments all from one app. Easy, transparent and automated.\r\n\r\n14 million digital workers and SMEs in Mexico face constant stress derived from their lack of knowledge on tax related issues. By providing these users a suite of tax based solutions, we will allow them to further progress in their financial health.", "one_liner": "Tax Automation Infrastructure", "team_size": 53, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1559188419, "tags": [ "Fintech", "Latin America" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/heru", "api": "https://yc-oss.github.io/api/batches/summer-2019/heru.json" }, { "id": 12843, "name": "PayMongo", "slug": "paymongo", "former_names": [ "Equiac" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7cba82562906755c19c4ffc3aca87850d388d16c.png", "website": "https://paymongo.com", "all_locations": "Taguig, NCR, Philippines", "long_description": "PayMongo builds products and tools that enable thousands of individuals and businesses in the Philippines to make and receive payments over the Internet. We support payments through credit or debit cards, electronic wallets, over-the-counter payments and many more.\r\n\r\nWe build robust APIs, plugins and other products that abstract out the complexities of payments from our users so they can get up and running quickly and focus on their business.\r\n\r\nOur investors include Founders Fund, Peter Thiel, Bedrock Capital and Stripe.", "one_liner": "Modern online payments for the Philippines", "team_size": 220, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559191336, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Philippines", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/paymongo", "api": "https://yc-oss.github.io/api/batches/summer-2019/paymongo.json" }, { "id": 12853, "name": "Valiu", "slug": "valiu", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b16c3ee1923418647ba5ed012e40dfe8d0317dd.png", "website": "https://www.valiu.com", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "It is very hard to access USD or stable currency in LatAm's depreciating, and hyper-inflationary economies. We are solving that for individuals and businesses.", "one_liner": "USD mobile banking for LatAm's businesses and people", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559267725, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/valiu", "api": "https://yc-oss.github.io/api/batches/summer-2019/valiu.json" }, { "id": 12856, "name": "Coco Wallet", "slug": "coco-wallet", "former_names": [ "Coco", "Coco Pago" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7515f83e50e3f52a5cd34355a67ae58ba87c3724.png", "website": "https://cocowallet.app", "all_locations": "New York, NY, USA; Remote", "long_description": "Coco Wallet is a global money app that lets users send, spend, save, and earn in digital dollars. It combines the simplicity of a neobank like \"Revolut\" or \"Nubank\" with the freedom of Web3. Giving anyone instant access to stable, borderless money without relying on banks.", "one_liner": "Your global dollar account powered by stablecoins", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559267826, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coco-wallet", "api": "https://yc-oss.github.io/api/batches/summer-2019/coco-wallet.json" }, { "id": 12868, "name": "Covela", "slug": "covela", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/854f122617bf0d5f08938bfcdae1d6a682b95204.png", "website": "https://covela.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Covela helps small businesses and freelancers in LATAM find the right insurance coverage, at the right price in less than 15 minutes.", "one_liner": "The digital insurance broker for SMEs in LATAM", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1559273320, "tags": [ "Insurance", "Latin America" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/covela", "api": "https://yc-oss.github.io/api/batches/summer-2019/covela.json" }, { "id": 12897, "name": "Apurata", "slug": "apurata", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9dca71a733251f031ad3838636f323fb93e5d590.png", "website": "https://apurata.com", "all_locations": "Lima, Callao Region, Peru; Lima, Lima Province, Peru", "long_description": "We offer instant underwriting of financing at the point of sale (ecommerce or physical) focused on small purchases ($100-$1000). ", "one_liner": "Point of sale financing for Latin America's middle class.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1559442196, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Peru", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/apurata", "api": "https://yc-oss.github.io/api/batches/summer-2019/apurata.json" }, { "id": 12950, "name": "Karat Financial", "slug": "karat-financial", "former_names": [ "Karat" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b45b4a40ee6990bb094f256f20eeef3730bba066.png", "website": "http://trykarat.com", "all_locations": "Los Angeles, CA, USA; San Francisco, CA, USA; Remote", "long_description": "We're building the one-stop shop for creator finances.\r\n\r\nYour favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, banking. \r\n\r\nWe’re building products that help creators spend less time worrying about finances so they can focus on creating.", "one_liner": "Better financial services for creators", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1584246453, "tags": [ "Fintech", "Entertainment" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/karat-financial", "api": "https://yc-oss.github.io/api/batches/winter-2020/karat-financial.json" }, { "id": 13072, "name": "Breezeful", "slug": "breezeful", "former_names": [ "Burrowly" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f797ab34adfce1b6d6b58c5eb8f56069f026caaa.png", "website": "https://breezeful.com/", "all_locations": "Toronto, ON, Canada", "long_description": "Breezeful gets you the best mortgage online from start to close. Instead of dealing with multiple banks, credit checks and in-person meetings, we’ll use your income, credit score, and other financial data from your application to negotiate with hundreds of lenders on your behalf in seconds. ", "one_liner": "An online mortgage broker. Get the best mortgage, fast.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583895873, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Canada", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/breezeful", "api": "https://yc-oss.github.io/api/batches/winter-2020/breezeful.json" }, { "id": 13106, "name": "Carbon-12 Labs", "slug": "carbon-12-labs", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.carbon.money", "all_locations": "", "long_description": "", "one_liner": "A Global Payouts API for Startups", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1659720999, "tags": [ "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/carbon-12-labs", "api": "https://yc-oss.github.io/api/batches/winter-2020/carbon-12-labs.json" }, { "id": 13108, "name": "yearend", "slug": "yearend", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/96f673cac4ff8f2e5fd5fc81d0fd40a9e6767804.png", "website": "https://yearend.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "YearEnd helps startup employees optimize their equity and taxes, and can also file their tax returns. They simply connect their financial accounts and YearEnd will tell them how much tax they’ll owe and will make recommendations on how to make better decisions. At the end of the year, YearEnd can also file their tax return for them or they can collaborate with their existing tax accountant.", "one_liner": "Optimize your equity and taxes in real-time.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1579635113, "tags": [ "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/yearend", "api": "https://yc-oss.github.io/api/batches/winter-2020/yearend.json" }, { "id": 13149, "name": "Haven", "slug": "haven", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b949041fc34a7a6df68747d882e4e62e59539dd.png", "website": "http://www.havenservicing.com", "all_locations": "New York, NY, USA; Remote", "long_description": "Haven is re-imagining the $11 trillion U.S. mortgage industry, with a focus on engaging the 53 million homeowners with a mortgage. The incumbent technologies used by mortgage lenders and servicers are decades old, and the borrowers who are served by them increasingly demand modern digital experiences and frictionless financial products throughout the home journey. Haven’s mission is to deliver them at a transformational scale, and to improve lives in one of the world’s largest asset classes.\r\n\r\nThe company is well capitalized and backed by top fintech and mortgage venture funds and led by seasoned veterans of tech startups and financial marketplaces. \r\n", "one_liner": "Homeownership reimagined for the 21st century.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1617025767, "tags": [ "Fintech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/haven", "api": "https://yc-oss.github.io/api/batches/winter-2020/haven.json" }, { "id": 13165, "name": "Peg (formerly Paymobil)", "slug": "peg", "former_names": [ "Epay / Mutiny", "Epay", "Paymobil" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f19f6ca2a209e7675e563efe95a857c23b35dd0d.png", "website": "https://www.peg.money", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Peg is a global bank account replacement using stablecoins.\r\nWe make it possible to send money to any email or phone number in the world in seconds.\r\n\r\nWe have taken all the friction out of the current terrible UX with crypto p2p payments and made it better than regular consumer products like Venmo and Square Cash. Unlike those it works across borders and can launch globally due to our non-custodial architecture.\r\n\r\nPeg was the first self-custodial stablecoin focused wallet, launched early 2020.\r\n", "one_liner": "The super simple stablecoin wallet with free transactions", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1600678612, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/peg", "api": "https://yc-oss.github.io/api/batches/winter-2020/peg.json" }, { "id": 13174, "name": "Grain", "slug": "grain", "former_names": [ "Grain Technology, Inc. d/b/a Grain" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/524e65f0ea0097b484282603109656a296837686.png", "website": "https://trygrain.com/", "all_locations": "Oakland, CA, USA; Remote", "long_description": "Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.\r\n", "one_liner": "Grain transforms the debit card you already have into a credit card…", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583989450, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/grain", "api": "https://yc-oss.github.io/api/batches/winter-2020/grain.json" }, { "id": 13207, "name": "Tienda Crypto", "slug": "tienda-crypto", "former_names": [ "Tienda Dólar", "Plunzo", "Tienda Dólar" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cabae5e8d0d38bc3d9ebd9e445441f81571955a.png", "website": "https://www.tiendacrypto.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Tienda Dólar is the best way for Latin American people to protect their savings\r\n\r\n", "one_liner": "Crypto Exchange and Payment API Gateway", "team_size": 37, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583784965, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tienda-crypto", "api": "https://yc-oss.github.io/api/batches/winter-2020/tienda-crypto.json" }, { "id": 13236, "name": "Savvy", "slug": "savvy-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5ae3a089b7b95f5f1d30325868b76da53de7dbb7.png", "website": "https://www.gosavvy.com", "all_locations": "San Francisco, CA, USA", "long_description": "Savvy is a health benefits product offering employees payment cards to buy their own health insurance. One of the first to market after new regulation, Savvy scaled to $10s of millions in volume and expanded into all 50 state health insurance markets. Savvy was backed by Y Combinator, Marc Andreessen, and the founders of One Medical and Indeed. In 2022, the company was acquired by Take Command, the leading incumbent in the health insurance HRA space.", "one_liner": "Flexible stipends for employee health insurance", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1584064922, "tags": [ "Fintech", "Healthcare", "Health Insurance", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/savvy-2", "api": "https://yc-oss.github.io/api/batches/winter-2020/savvy-2.json" }, { "id": 13305, "name": "Revenir", "slug": "revenir", "former_names": [ "Refund Giant" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0873f3e44b21b9503d92938ee073ec554248871f.png", "website": "https://www.revenir.ai/", "all_locations": "London, England, United Kingdom", "long_description": "Your free money back to you with the trust of your own bank. \r\nIndividuals and corporations to claim back their value-added tax globally. ", "one_liner": "First API solution for tax returns.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584370541, "tags": [ "Fintech", "SaaS", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/revenir", "api": "https://yc-oss.github.io/api/batches/winter-2020/revenir.json" }, { "id": 13309, "name": "Modernbanc", "slug": "modernbanc", "former_names": [ "Milly Works" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e71ae997b9de042f26db450a5b99d594a75be4e6.png", "website": "https://modernbanc.com", "all_locations": "London, United Kingdom", "long_description": "Simple to set-up, flexible and powerful platform to manage your business finances", "one_liner": "Accounting software that works for you", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1632653047, "tags": [ "Fintech", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/modernbanc", "api": "https://yc-oss.github.io/api/batches/winter-2020/modernbanc.json" }, { "id": 13333, "name": "Upflow", "slug": "upflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cfbbee59804a41493e50bd030cff5d6d1bc8fc97.png", "website": "https://upflow.io/en/", "all_locations": "New York, NY, USA", "long_description": "Upflow builds the reference cash collection platform to help B2B companies get paid faster, more predictably, and with stronger customer relationships.\r\n\r\nToday, the order-to-cash process is mission critical for businesses, yet it remains fragmented across tools, teams, and workflows. Collections, payments, and reconciliation are often manual, reactive, and disconnected from the rest of the business. Upflow brings this entire process into one system — combining data, agentic automation, collaboration, and financial services to turn receivables into a predictable and scalable engine.\r\n\r\nWe serve 500+ companies across 30+ countries, including Vercel, Lattice, Productboard, and are backed by leading investors including Y Combinator, Hedosophia, Hexa, and Lorimer. With teams across the US and Europe, we’re building a category-defining company at the intersection of finance, payments, and AI.\r\n\r\nTo learn more about what we do, visit upflow.io. For a behind-the-scenes look at how we work as a team, head to the Inside Upflow section of our blog at upflow.io/blog/inside-upflow.", "one_liner": "Cash collection tech for B2B businesses", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1586871998, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/upflow", "api": "https://yc-oss.github.io/api/batches/winter-2020/upflow.json" }, { "id": 13335, "name": "Kosh", "slug": "kosh", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "website": "https://getkosh.com", "all_locations": "Gurugram, HR, India; HR, India", "long_description": "Kosh is a digital lending platform in India, empowering blue-collar workers with a unique joint liability model (much like microfinance but for a different segment). The social component of their underwriting helps control credit risk significantly and lower CAC/Opex in one go, making this 150mn-strong segment credit-worthy.", "one_liner": "Creating Microfinance 2.0.", "team_size": 56, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583792143, "tags": [ "Fintech", "Social", "India", "Consumer Finance", "Diversity & Inclusion" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kosh", "api": "https://yc-oss.github.io/api/batches/winter-2020/kosh.json" }, { "id": 13337, "name": "goDutch", "slug": "godutch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/139f3923e5b1264c5832c11db6a942d85eef67ba.png", "website": "https://godutchpay.in", "all_locations": "MH, India", "long_description": "goDutch is a new-age fintech app that powers group payments for millennials. We’re on a mission to reimagine group payments and enable people to enjoy with their friends without any worry of awkward reminders, delayed payments, and multiple transactions.\r\n\r\nWe've first-hand seen that group payments are very tedious - one person first pays on behalf of the entire group, then calculates and makes a note of who owes whom how much, and then individually reminds each person to pay back. At goDutch, we are passionately working towards re-imagining this multi-step process that extends over numerous days and multiple apps. Our focus is on being design-led and driving cutting-edge fintech innovation.\r\n\r\ngoDutch is founded by IIT Bombay grads with a total work experience of 10+ years in fintech and we are backed by global VC investors including Y Combinator.", "one_liner": "Group payments product which lets people pay together at any offline…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1583862506, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/godutch", "api": "https://yc-oss.github.io/api/batches/winter-2020/godutch.json" }, { "id": 13341, "name": "Pay Swifter", "slug": "pay-swifter", "former_names": [ "GIGI", "GIGI BENEFITS", "GIGI Benefits", "Smol Coach", "Swifter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4ad961e82ac5a621fa95d598d324b11f679eea47.png", "website": "https://payswifter.com", "all_locations": "Bengaluru, KA, India", "long_description": "Swifter offers a suite of payments solutions, including ACH, tailored to the unique needs of the cannabis industry. Standalone dispensary, MSO, or a marketplace, use Swifter's software and APIs to accept payments, send payouts, and supercharge your growth. \r\n", "one_liner": "Stripe for Cannabis", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1584051639, "tags": [ "Fintech", "B2B", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pay-swifter", "api": "https://yc-oss.github.io/api/batches/winter-2020/pay-swifter.json" }, { "id": 13354, "name": "yBANQ", "slug": "ybanq", "former_names": [ "Procureli Technologies Pvt. Ltd", "Ybanq" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adeafd73575a3d62a8377efcebb27aa13569f642.png", "website": "https://ybanq.com", "all_locations": "Bengaluru, KA, India", "long_description": "We are building a collections and reconciliation platform for MSME's in India. In India, reconciliation is largely manual and error prone due requiring manual matching of bank statements with Invoices. In my last role, I used to head product for PayU, India #1 Fintech firm. I would love to connect with other Fintech founders building solving similar problems and in the neobanking space\r\n\r\n", "one_liner": "yBANQ is building a Bill.com for India to simplify collections and…", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1583977292, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ybanq", "api": "https://yc-oss.github.io/api/batches/winter-2020/ybanq.json" }, { "id": 13391, "name": "Spenny", "slug": "spenny", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5eab8ce312ccd084d88910aa9abc81700929490.png", "website": "http://spennyapp.com", "all_locations": "Bengaluru, KA, India", "long_description": "Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically.\r\n\r\n400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend.\r\n\r\nWe're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone.\r\n\r\nPotentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. \r\n\r\nMore interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships.\r\n\r\nWe acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds.\r\n\r\nOur long-term vision is to become a one-stop asset management solution for millennials.", "one_liner": "Acorns for India. Every time you swipe you make a digital…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584158431, "tags": [ "Fintech", "India", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/spenny", "api": "https://yc-oss.github.io/api/batches/winter-2020/spenny.json" }, { "id": 13412, "name": "Easyplan", "slug": "easyplan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ce1f5cbfeb5313bfa743850844903dc383d7e630.png", "website": "https://easyplan.in/", "all_locations": "MH, India", "long_description": "Easyplan is an investment app for beginner investors in India (kind of a cross between Betterment and Qapital in the US). We also provide users with a credit card secured by their investments. \r\n\r\nWe launched with money market funds and have ~40,000 customers who’ve invested (~40% MoM growth). The pandemic spurred interest among new investors, and our AUM has grown 3x since April 2020. And we’ve done this with a cost of acquisition that is 10% of the industry average. \r\n\r\nHere’s the problem we see. Only 10% of the 100 million middle-income Indian workers have invested in the markets. This is despite the fact that they save ~30% of their income, making this a $325B potential market in assets under management. \r\n\r\nHowever, current investment apps in India are built for active investors. With over 16,000+ mutual funds and 5000+ stocks to choose from, they are far too complicated for beginners, who make up most of the market.\r\n\r\nWe’re building an AI - driven investment planning software that is designed for beginners. Users use our conversational AI to get diversified mutual fund portfolios tailored to their goals. We also offer users a credit card secured by their investments, so they can earn return without losing liquidity.\r\n\r\nIn terms of business model, we make commissions on the asset we manage, and interchange fees on the fund. We estimate we can make $12 per user per year, which is 6x our current acquisition cost of $2 per investor.", "one_liner": "An AI-driven investment app for beginner investors in India", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1584143039, "tags": [ "Fintech", "India", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/easyplan", "api": "https://yc-oss.github.io/api/batches/winter-2020/easyplan.json" }, { "id": 13415, "name": "Angle Health", "slug": "angle-health", "former_names": [ "AdRem Media", "Inc.", "Angle" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d49817ec52cedb0a83c434d820655f46cd43b8ad.png", "website": "https://www.anglehealth.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Health Insurance for Startups", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1595338272, "tags": [ "Health Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/angle-health", "api": "https://yc-oss.github.io/api/batches/winter-2020/angle-health.json" }, { "id": 13471, "name": "Nexu", "slug": "nexu", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57180bf742c6090ba22811fbccdb72de3de968c6.png", "website": "https://www.nexu.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "", "one_liner": "Financing platform for LatAm car dealerships.", "team_size": 63, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583483895, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nexu", "api": "https://yc-oss.github.io/api/batches/winter-2020/nexu.json" }, { "id": 13475, "name": "delt.ai", "slug": "delt-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dcb1c46b88d645eeab5d7d7d6bb9d4c999e97eb6.png", "website": "https://delt.ai", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "delt.ai is building a specialized digital financial service for businesses in Latam, set to tackle the +450B Market of business payments in Mexico. delt.ai is a natively digital alternative to a bank, born with payments gateways and API integrations. Its truly digital KYC-compliant onboarding allowed us to be the first opening first branchless accounts in the country. We target poorly served Startups and SMEs therefore focusing on the ~40B market opportunity that are profitable when served fully online.", "one_liner": "Digital banking for businesses in Latam.", "team_size": 26, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1584983169, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/delt-ai", "api": "https://yc-oss.github.io/api/batches/winter-2020/delt-ai.json" }, { "id": 13481, "name": "Thndr", "slug": "thndr", "former_names": [ "Axis Markets", "Thndr", "thndr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/52a25a4c87f2c91f669390bbc9674ffd9078abd7.png", "website": "http://www.thndr.app", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "Thndr is a platform that allows MENA individuals to invest in Stocks, Gold and Fixed Income", "one_liner": "Investment platform for MENA individuals", "team_size": 235, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1598346387, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Egypt", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/thndr", "api": "https://yc-oss.github.io/api/batches/summer-2020/thndr.json" }, { "id": 13482, "name": "Swipe Technologies", "slug": "swipe-technologies", "former_names": [ "Swipe", "Float", "Swipe - (Float, Accounteer)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23d8644c277b8738f10d9091c7b0cf18a46e9836.png", "website": "https://getswipe.com", "all_locations": "London, United Kingdom; Accra, Greater Accra Region, Ghana", "long_description": "Swipe is building modern modern payments, accounting and cashflow management tools for businesses. We own and operate Float, a global b2b payments platform and Accounteer - a cloud accounting and bookkeeping platform for businesses and freelancers.", "one_liner": "Building modern payments, accounting and cashflow management tools…", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1584125030, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Ghana", "Europe", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/swipe-technologies", "api": "https://yc-oss.github.io/api/batches/winter-2020/swipe-technologies.json" }, { "id": 13485, "name": "Bamboo", "slug": "bamboo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7368c0b71e7ad96a5ab5a324e70f178b90c26969.png", "website": "http://investbamboo.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Bamboo is the first online brokerage service that gives wealthy Africans and their wealth managers direct access to the US and global securities. We’re building Fidelity for the African continent.\r\nFor wealthy Africans and their asset managers, investing in the global capital markets is cumbersome, expensive and practically inaccessible. In Nigeria, Africa's largest economy and home to 30% of all the wealth in Sub Saharan Africa (excluding South Africa), 99.99% of the investing population do not have access to invest globally. Even for the 0.01%, if you wanted to buy a US stock, you’d have to call your asset manager who would then call an international broker to execute a trade. This is inefficient & expensive!\r\nWe have a mobile app that allows individuals trade the US stock markets by themselves and a brokerage tool for asset managers to execute trades directly & manage multilple portfolios seamlessly.", "one_liner": "Bamboo ― the first online brokerage service for Africans and their…", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1583790711, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bamboo", "api": "https://yc-oss.github.io/api/batches/winter-2020/bamboo.json" }, { "id": 13495, "name": "Fondeadora", "slug": "fondeadora", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/be08dda4b90b3b9b6dacc5ba166478966c41fd79.png", "website": "https://fondeadora.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Fondeadora is the digital alternative to the traditional Mexican banking system. We know that the current system is broken and we want to fix it. Our mission is to free people from their banks by giving them back control over their money. We want to serve the 54 million Mexicans who are unhappy with their current banks and the 65 million of Mexicans who currently do not have a bank account.\r\n\r\nOur first product is a mobile banking app and an international Mastercard debit card so you can spend, store and move your money seamlessly, completely fee-free.\r\n\r\nJoin us in this magical mystical ride.", "one_liner": "We are connecting every single Mexican to the financial system.", "team_size": 160, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583971276, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fondeadora", "api": "https://yc-oss.github.io/api/batches/winter-2020/fondeadora.json" }, { "id": 13496, "name": "Apartio", "slug": "apartio", "former_names": [ "Apartio", "Pibi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9e65c5b629984707d1fd862f82ec26b3a31c9dd.png", "website": "http://www.apartio.com.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "", "one_liner": "Apartio offers Short Term Rentals for Business Travelers in Brazil", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584484075, "tags": [ "Fintech", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/apartio", "api": "https://yc-oss.github.io/api/batches/winter-2020/apartio.json" }, { "id": 13500, "name": "STARK BANK", "slug": "stark-bank", "former_names": [ "Stark Bank" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e1dbb85b5494650411849ba5779e10a6e394698c.png", "website": "https://starkbank.com", "all_locations": "San Francisco, CA, USA; São Paulo, SP, Brazil", "long_description": "Take your business to the next level", "one_liner": "Challenger bank for enterprises", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1584492606, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "Brazil", "America / Canada", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stark-bank", "api": "https://yc-oss.github.io/api/batches/winter-2020/stark-bank.json" }, { "id": 13507, "name": "CrowdForce", "slug": "crowdforce", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c00ac45c4ecc358bf318c108ea808d78f3341459.png", "website": "https://crowdforce.io/", "all_locations": "Abuja, Federal Capital Territory, Nigeria", "long_description": "CrowdForce is an app that allows any local merchant in Africa, starting with Nigeria to become a bank branch within minutes. ", "one_liner": "Crowdforce is an app that allows any local merchant in Africa,…", "team_size": 41, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583889146, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Nigeria", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/crowdforce", "api": "https://yc-oss.github.io/api/batches/winter-2020/crowdforce.json" }, { "id": 13508, "name": "GuruHotel", "slug": "guruhotel", "former_names": [ "GuruHotel", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8bb5ff249316d5bcee9ba94498a3fbe24db5bd30.png", "website": "https://guruhotel.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "GuruHotel is building the AI-native booking protocol that will power direct hotel reservations in the next decade, effectively becoming \"Stripe for hotel bookings\" and ending OTAs' $370B stranglehold on hospitality distribution.\r\n\r\nFor 25 years, hotel ecommerce has been broken. Independent hotels lack the infrastructure to sell directly online, forcing them to pay OTAs 20-40% commissions on 40-60% of their bookings. Hotel websites don't convert (<0.5% vs. 5-10% in modern ecommerce), booking engines redirect users, payments are fragmented, and inventory is trapped in legacy PMS systems.\r\n\r\nMore critically: AI agents cannot book hotels directly today. ChatGPT, Perplexity, Claude, none can complete a hotel transaction end-to-end because inventory isn't exposed in a machine-readable format.\r\n\r\nGuruHotel has built the complete solution: a full-stack ecommerce platform (website + native booking engine + checkout + payments + AI-ready APIs) that integrates directly with hotel PMS systems, enabling both humans and AI agents to book directly.\r\n", "one_liner": "AI-native direct booking infrastructure for global hospitality", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1583861926, "tags": [ "Fintech", "SaaS", "B2B", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/guruhotel", "api": "https://yc-oss.github.io/api/batches/winter-2020/guruhotel.json" }, { "id": 13573, "name": "Gas Pos", "slug": "gas-pos", "former_names": [ "Gas Pos, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/86f8f64334b32d8ebb242023b050bd8e715cc458.png", "website": "https://gaspos.co", "all_locations": "Little Rock, AR, USA", "long_description": "We have taken an incredibly monopolized, overpriced, asset-heavy industry and flipped it on its head by providing a better, modern, affordable alternative with more functionality on a SaaS model. ", "one_liner": "Modern Point of Sale for Gas Stations and Truck Stops", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1612800691, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gas-pos", "api": "https://yc-oss.github.io/api/batches/winter-2020/gas-pos.json" }, { "id": 13610, "name": "Belvo", "slug": "belvo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a630e8e8c65d44c6d85d84dfe4c115d9c8671c2.png", "website": "https://belvo.com", "all_locations": "São Paulo, SP, Brazil", "long_description": "We are Belvo, a financial API platform for Latam that enables any company or developer to access and interpret their end-users' financial information, through one easy-to-use API. Think Plaid for Latam.\r\n\r\nOur vision is to power the next generation of financial services in Latam by enabling more inclusive, efficient and empowering offerings through tech and data. Latam is a very exciting and dynamic place to be right now and a great place to build infrastructure for the next generation of financial products for a huge market.", "one_liner": "Open Finance API platform for Latam.", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583843586, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/belvo", "api": "https://yc-oss.github.io/api/batches/winter-2020/belvo.json" }, { "id": 13627, "name": "Jenfi", "slug": "jenfi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "website": "http://jenfi.com/", "all_locations": "Singapore, Singapore", "long_description": "We back growing digital businesses using revenue based financing.\r\n\r\nMany of growing businesses in Asia are highly \"bankable\" yet 50-70% are unable to obtain capital to grow their business.\r\n\r\nHaving been business owners ourselves, we experienced firsthand the struggles of funding a business - from expensive equity options to loans that required personal guarantees.\r\n\r\nWe went live in Singapore first to validate the product/market fit. We plan to expand across the APAC region..\r\n\r\nOur sweet spot is backing repeatable business spend - expenses that leads to increased revenue. Our financing product allows businesses to keep growing with us over time. Over a third of our advances today are from repeat borrowers.\r\n\r\nWe created a brand new asset class in Asia - offering flexible repayment options, such as tieing repayment with sales. Business owners LOVE this.\r\n\r\nOur automated financial technology platform ingests revenue and alternative data sources that gives us a proprietary edge in understanding the behavior of our borrowers. As we collect continuous data, we are able to offer better financial and technology solutions, while mitigating our downside risk.\r\n\r\nFunds are seamlessly deployed via our virtual Jenfi Wallet and MasterCard solution, giving borrowers flexibility to make payments while giving Jenfi real-time tracking of their spend.\r\n\r\nRecent coverage: \r\nhttps://techcrunch.com/2020/02/03/jenfi-wants-to-solve-small-business-lending-in-southeast-asia/", "one_liner": "Jenfi provides revenue-based financing for digital businesses in Asia ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1580951713, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/jenfi", "api": "https://yc-oss.github.io/api/batches/winter-2020/jenfi.json" }, { "id": 19888, "name": "Altro", "slug": "altro", "former_names": [ "Hatch Credit", "Perch (Formerly Hatch Credit)", "Perch", "Perch Credit", "Perch", "Altro" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/58847e130c30f297f7cee19998c6a99931a8c35d.png", "website": "https://altro.io", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "Altro (altro.io) is a platform that enables members to build credit no matter who they are, where they are from, or their history of credit access/score. We serve the 68M people in the US (mainly Women and POC) who are denied credit due to historical bias and the lack of access that current banks provide to credit building and tools. (It wasn't until The Equal Credit Opportunity Act in the 1970's that Women and \"Minorities\" could even get fair access to credit)!\r\n\r\n\r\nAltro has created a mobile that allows anyone to have access to credit, using their subscriptions as a means to start building their credit score. Altro lends to members a $75 Line of Credit to pay for their subscriptions, such as Netflix, Hulu, HelloFresh, etc. This card is built to solely work on the subscriptions that the member is already paying for, allowing them to securely use their $75 credit to build their credit using things they are already paying for.\r\n\r\nDoing this empowers folx who were denied credit a way to start building their score and financial power. Altro will service millions of people in not only building their credit, but also gaining access to the tools (such as personal loans, emergency funds, car/house loans and more) that they could not access prior.", "one_liner": "Build Credit With Your Subscriptions", "team_size": 29, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1599762606, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/altro", "api": "https://yc-oss.github.io/api/batches/summer-2020/altro.json" }, { "id": 21727, "name": "Increase", "slug": "increase", "former_names": [ "Ratchet", "bnk.dev" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d403cfce97e130a6633ec6be329d8e61bf9e9230.png", "website": "https://increase.com/", "all_locations": "", "long_description": "Modern banking infrastructure that enables technology companies to programmatically store, move, and reconcile money.", "one_liner": "Enterprise-grade banking APIs", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1658856872, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Unspecified" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/increase", "api": "https://yc-oss.github.io/api/batches/summer-2020/increase.json" }, { "id": 21768, "name": "Jeeves", "slug": "jeeves", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/faca4c2138bb38fb870736801c5d004313420eb2.png", "website": "http://www.tryjeeves.com", "all_locations": "Miami, FL, USA; New York, NY, USA; Remote", "long_description": "Jeeves is an all-in-one corporate spend and expense management platform for businesses in global markets including North America, Latin America, Europe, and the UK. Cash, corporate cards, and cross-border payments all run on the Jeeves proprietary infrastructure which allows companies to spin up their finance function within minutes. Jeeves can handle multiple currencies for payback. \r\n\r\nMore than 3,000 companies across the world trust Jeeves with their financial payments tack. Jeeves has raised $380 million from Andreessen Horowitz, CRV, GIC, Tencent, Silicon Valley Bank, Stanford University, and Y Combinator to fuel its international expansion. \r\n\r\nOur product platform covers the following:\r\n\r\n1. Jeeves Pay: Do you need to send capital calls between US & LATAM? Need cross-border payments that arrive as soon as the same day? Transfer money internationally to over 150 countries at competitive FX rates with Jeeves Pay. Payments arrive as quickly as the same day between North America, South America, and Europe. Credit line options available depending on region.\r\n\r\n2. Jeeves Cards: Equip your team with globally-accepted physical cards for in-person purchases. Ship cards overseas for free or create virtual cards in seconds for secure, online purchases. Prepaid & credit options available depending on region.\r\n\r\n3. Expense Management: Collect receipts through the mobile app, review expenses in real time, and streamline global reporting capabilities - all at no additional cost.\r\n\r\nBenefits of the Jeeves Payments and Spend Management global platform include:\r\n\r\n-- Free built-in expense management tools\r\n\r\n\r\n-- No personal guarantees or contracts\r\n\r\n\r\n-- Unlimited cards and users for free\r\n\r\n\r\n-- No monthly fees or software fees\r\n\r\n\r\n-- Competitive cross-border payment pricing\r\n\r\n\r\n-- Spend and pay in your preferred currencies\r\n\r\n\r\n-- Business accepted in Brazil, Canada, Colombia, Mexico, the EU, the UK, and the US.\r\n\r\nBuilt for global companies. Loved by finance teams, including a large YC contingent. \r\nJoin us today!", "one_liner": "International banking infrastructure for global startups.", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1603813157, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/jeeves", "api": "https://yc-oss.github.io/api/batches/summer-2020/jeeves.json" }, { "id": 21790, "name": "Dripos", "slug": "dripos", "former_names": [ "Drip" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0fd578735825717b2afbf0834e1df6184ba35be.png", "website": "https://dripos.com", "all_locations": "New York City, NY, USA", "long_description": "Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.", "one_liner": "The only piece of software a coffee shop needs to operate.", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596049185, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/dripos", "api": "https://yc-oss.github.io/api/batches/summer-2020/dripos.json" }, { "id": 21791, "name": "AtoB", "slug": "atob", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/12375b2a52ee867d95939da19768e87ca0b830e2.png", "website": "https://atob.com/", "all_locations": "San Francisco, CA, USA", "long_description": "The trucking and logistics industry provides the backbone of the economy, but the payments infrastructure on which it runs is broken; the existing suite of payment tools is outdated, difficult to use, prone to fraud, and saddled with hidden fee structures. \r\n\r\nAtoB is building Stripe for Transportation — modernizing the payments infrastructure for trucking and logistics, where capital movement occurs quickly and transparently. Our flagship product is the AtoB Fuel Card, a zero-fee fuel card accepted anywhere built for fleets of all shapes and sizes.", "one_liner": "Modernizing global transportation payments.", "team_size": 75, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1602605067, "tags": [ "Fintech", "SaaS", "Payments", "Supply Chain", "Transportation" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/atob", "api": "https://yc-oss.github.io/api/batches/summer-2020/atob.json" }, { "id": 21799, "name": "Conta Simples", "slug": "conta-simples", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6085af4dbeb495b010f5155af46a7b2ce349d998.png", "website": "https://contasimples.com/", "all_locations": "São Paulo, SP, Brazil", "long_description": "Conta Simples is an all-in-one financial platform that combines checking account, expense management software and corporate cards, for Latam companies.", "one_liner": "All-in-one financial platform for latam Startups and SMBs.", "team_size": 130, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1596029492, "tags": [ "Fintech", "Latin America", "SMB" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Brazil", "Latin America" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/conta-simples", "api": "https://yc-oss.github.io/api/batches/summer-2020/conta-simples.json" }, { "id": 21812, "name": "Safepay", "slug": "safepay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/269b53629324d449da5b34f295bfa9befb9eed72.png", "website": "https://getsafepay.pk/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Safepay provides a single integrated payments solution that interoperates with local and international payment options. Our current focus is to serve businesses and individuals in Pakistan and neighboring economies.", "one_liner": "Digital payments for businesses in Pakistan", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1597600667, "tags": [ "Developer Tools", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/safepay", "api": "https://yc-oss.github.io/api/batches/summer-2020/safepay.json" }, { "id": 21817, "name": "Volopay", "slug": "volopay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a2969762f324adcf3509c5854bebc199ecc587cb.png", "website": "https://www.volopay.com/", "all_locations": "Bengaluru, India; Singapore, Singapore; Remote", "long_description": "Volopay is a modern spend management platform that saves companies time and money by giving visibility & control to every aspect of business spending. With Volopay, finance and accounting teams can control expense requests and approvals, make bill payments (domestic/cross-border), manage company cards, and reconcile all accounting on one platform.\r\n\r\nVolopay completely eliminates the need for expense reports and reimbursements while giving everyone in the company a card to use. We worked in an offshore dev centre in the past and it took 2 months to get our reimbursements and 4 weeks to make any purchase as there was just one corporate card for the entire company and clunky bill payments solutions offered by the banks. \r\n\r\nAmong our customers are Reddoorz (OYO of South East Asia), Dathena (biggest data security co in Singapore) and Beam (APAC’s leading micro-mobility player). ", "one_liner": "Brex for South East Asia - Corporate cards & automated payments.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596167541, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "Singapore", "South Asia", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/volopay", "api": "https://yc-oss.github.io/api/batches/summer-2020/volopay.json" }, { "id": 21829, "name": "Novel", "slug": "jumpstart", "former_names": [ "Jumpstart Filings Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c851bd7c26fafce073db6865bf85bf27c6de76f7.png", "website": "https://www.trynovel.com/", "all_locations": "Minneapolis, MN, USA; New York, NY, USA; Austin, TX, USA; Remote", "long_description": "With Novel, international founders can get a U.S. business bank account, multi-currency wallets, global transfers in 140+ currencies, and more all in a single place. \r\n", "one_liner": "Novel is your international business bank account", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1599510791, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/jumpstart", "api": "https://yc-oss.github.io/api/batches/summer-2020/jumpstart.json" }, { "id": 21856, "name": "Charityvest", "slug": "charityvest", "former_names": [ "Vennfi (Charityvest)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/08ded5f812bd52606327b4c6965f9646a77ce233.png", "website": "https://www.charityvest.org", "all_locations": "Atlanta, GA, USA", "long_description": "Charityvest is the modern donor-advised fund, for individuals and corporations.\r\n- Make tax-smart contributions of cash, stock, crypto, equity and more to your DAF.\r\n- Invest your charitable balance for tax-free growth with low-cost ETFs.\r\n- Send grants to 1.4 million charities with a few clicks.\r\n- Receive one tax receipt for all of your giving.", "one_liner": "A premier charitable giving account, for everyone.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596474808, "tags": [ "Fintech", "SaaS", "Nonprofit" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/charityvest", "api": "https://yc-oss.github.io/api/batches/summer-2020/charityvest.json" }, { "id": 21863, "name": "BukuWarung", "slug": "bukuwarung", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea907a1b87549241f7b6d528f2704f3c3341d802.png", "website": "http://bukuwarung.com/app", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "BukuWarung is SEA's fastest growing startup and we are building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping, online storefront and payments.\r\n\r\nBukuWarung has raised $80M from top tier VCs globally: Peter Thiel's Valar Ventures, Goodwater Capital, Y-Combinator, Rocketship.vc, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, SoftBank Partners, DST Global Partners, and strategic angel investors from Stripe, PayPal, Plaid, Grab, Gojek, Facebook, AirBnB, Fast, Mastercard. ", "one_liner": "Accounting, Payments & Credit app for 60M micro-businesses in…", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1593714558, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bukuwarung", "api": "https://yc-oss.github.io/api/batches/summer-2020/bukuwarung.json" }, { "id": 21914, "name": "Bits", "slug": "bits", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9bf92f9b0437d70db620043c549128e728377e7.png", "website": "https://www.getbits.app", "all_locations": "London, England, United Kingdom", "long_description": "", "one_liner": "Bits is a credit card designed to help people build credit", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1595278564, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bits", "api": "https://yc-oss.github.io/api/batches/summer-2020/bits.json" }, { "id": 21950, "name": "Yotta", "slug": "yotta", "former_names": [ "Yotta Saving", "Yotta Savings" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f0e63b701c1b644240ae4f4412abf09d9554a71.png", "website": "https://www.withyotta.com", "all_locations": "New York, NY, USA", "long_description": "Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings. ", "one_liner": "Save money and win prizes up to $10m through weekly number draws.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1594398532, "tags": [ "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/yotta", "api": "https://yc-oss.github.io/api/batches/summer-2020/yotta.json" }, { "id": 21988, "name": "Balance", "slug": "balance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0f140790f5129a38a1edf2e297434c283bb0ca7c.png", "website": "https://www.getbalance.com", "all_locations": "San Francisco, CA, USA", "long_description": "Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.", "one_liner": "The first digital payment experience company, built for B2B. ", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1605004517, "tags": [ "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/balance", "api": "https://yc-oss.github.io/api/batches/summer-2020/balance.json" }, { "id": 22022, "name": "Memberstack", "slug": "memberstack", "former_names": [ "Memberstack Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f928c1bbbe5bb0fb2a114872be6bf1ee17a9f0d.png", "website": "https://www.memberstack.com", "all_locations": "Williamsburg, VA, USA; Remote", "long_description": "3,000 companies have generate over 130 million dollars in recurring revenue. \r\n\r\nCompanies like American Airlines, Slack, Entreprenuer.com, Webflow, and reddit use Memberstack to serve millions of members every single day.\r\n\r\nNo code if you need it, tons of APIs if you need those, and 100% design control so that you can build any frontend. ", "one_liner": "Build a custom SaaS or membership site with Webflow or Wordpress", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1598995864, "tags": [ "Developer Tools", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/memberstack", "api": "https://yc-oss.github.io/api/batches/summer-2020/memberstack.json" }, { "id": 22026, "name": "Mozper", "slug": "mozper", "former_names": [ "Mozper", "mozper" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/216a6e07dede9ac5b1fc2ad27dd31d615b856d99.png", "website": "https://www.mozper.com/", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Mozper is bringing the weekly allowance into the digital era in Latin America. About 70% of the population in the region has never received formal financial education, and do not have the right tools to teach their children. In Brazil and Mexico alone, parents give more than $10B each year in pocket money to kids. Currently, parents must choose between giving their kids cash or handing over their own credit/debit cards. Mozper is a debit card and app where parents can give their kids an allowance, set spending rules (so they can't blow it all on video games), assign chores and even create and track savings goals. Mozper is currently available in Mexico.", "one_liner": "A debit card and app designed for kids and parents in Latin America", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1596636271, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mozper", "api": "https://yc-oss.github.io/api/batches/summer-2020/mozper.json" }, { "id": 22052, "name": "OneKey", "slug": "onekey", "former_names": [ "OneKey", "Tippi", "Uni" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/38ec9456d534c0fe571c01ebbb17f72f08ce805c.png", "website": "https://getonekey.io", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Find the most profitable sites to build EV charging station", "one_liner": "Find the most profitable sites to build EV charging station", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1596474053, "tags": [ "Energy Storage", "Electric Vehicles" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/onekey", "api": "https://yc-oss.github.io/api/batches/summer-2020/onekey.json" }, { "id": 22106, "name": "Letter", "slug": "letter", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43e97eb53ccce1c702d9238294f6ec1015dc70c8.png", "website": "https://letter.co", "all_locations": "San Diego, CA, USA; Remote", "long_description": "Letter is a beautifully designed banking and financial platform made exclusively for high net-worth individuals. We make it easy to give customized debit cards to family members and staff, automatically donate to charity, and get access to exclusive investment and lending opportunities through our marketplace.", "one_liner": "Beautifully designed banking for high net-worth individuals.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1599193121, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/letter", "api": "https://yc-oss.github.io/api/batches/summer-2020/letter.json" }, { "id": 22148, "name": "Spenmo", "slug": "spenmo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/573684f2ec0dab289ea0dd5bacd0ea7b65204a36.png", "website": "https://summitglobal.com/", "all_locations": "Singapore, Singapore", "long_description": "Founded in June 2019 and based in Singapore, Spenmo is building the only software you need as a business to manage payables. From bill payment, corporate card, local and international transfer, to employee’s expense claim, Spenmo helps companies streamline their AP processes with our technology. \r\n\r\nBefore Spenmo, AP staff were drowned in manual work and struggled to reconcile all their spending on time. Not anymore. Thousands of businesses are now using Spenmo to payout their AP, track and categorize spend, and close their books on auto-pilot in 90% less time. On average, finance teams who use Spenmo save over 50 hours and $10,000 every month.", "one_liner": "A spend management software that provides businesses visibility,…", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1597213066, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/spenmo", "api": "https://yc-oss.github.io/api/batches/summer-2020/spenmo.json" }, { "id": 22152, "name": "Afriex", "slug": "afriex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8db23c586149f6e05d32286d54acbfed108a0c15.png", "website": "https://www.afriexapp.com", "all_locations": "San Francisco, CA, USA", "long_description": "Afriex makes it easy for immigrants to send money home. We offer instant, low-fee remittances to over 25 countries around the world.", "one_liner": "Instant, low-fee remittances", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596395977, "tags": [ "Payments", "Remittances" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/afriex", "api": "https://yc-oss.github.io/api/batches/summer-2020/afriex.json" }, { "id": 22174, "name": "Lendtable", "slug": "lendtable", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8031cfe03db3dc6248ec6d87e84fe7cd9c685577.png", "website": "http://lendtable.com", "all_locations": "San Francisco, CA, USA", "long_description": "1 in 4 Americans do not get their full 401(k) match. That means 25 million workers are leaving $24 billion on the table in free employer contributions. The primary reason these workers cannot get their match is because they do not have enough to both cover living expenses and invest. \r\n\r\nLendtable helps workers get thousands in additional income by giving them a cash advance to cover their living expenses so they can finally begin earning their employer match. Once their money has vested we take some of the match money earned in order to cover our expenses. \r\n\r\nWorkers now have thousands of dollars more without putting any money down, and we make money helping them do so -- we win if they win.", "one_liner": "We give employees cash advances for their 401k match and ESPP", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1596041310, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lendtable", "api": "https://yc-oss.github.io/api/batches/summer-2020/lendtable.json" }, { "id": 22196, "name": "MedPiper Technologies, Inc", "slug": "medpiper-technologies-inc", "former_names": [ "MedPiper Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f7d30e3e30894c40033c853cefa3efa02ec9f54b.png", "website": "https://www.medpiper.com", "all_locations": "Bengaluru, KA, India; Remote", "long_description": "OrbitCover (by MedPiper Technologies, YC S20) is parametric travel insurance infrastructure. We power flight delay coverage that auto-settles payouts in under 5 minutes; with zero claims filing.", "one_liner": "Instant cash payouts for delayed flights", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1597677447, "tags": [ "Fintech", "Travel", "Insurance", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/medpiper-technologies-inc", "api": "https://yc-oss.github.io/api/batches/summer-2020/medpiper-technologies-inc.json" }, { "id": 22323, "name": "CapWay", "slug": "capway", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fe5d298e2ab3c3b13bfaecba6f31364e80a8170e.png", "website": "http://www.CapWay.com", "all_locations": "Atlanta, GA, USA", "long_description": "CapWay is a financial technology company that creates financial access and opportunity for all via our ecosystem, including digital banking tools, savings tools, financial content, and inclusion consumer fintech products. \r\n\r\nThe company fills financial gaps and provides solutions for the growing cashless economy and those who are looking to move away from the traditional financial system, including those who have been misunderstood, overlooked, and underserved.\r\n\r\nCapWay has a B2C and B2B2C customer acquisition strategy. \r\n\r\n", "one_liner": "Inclusive financial technology service provider.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1597882928, "tags": [ "Fintech", "SaaS", "Consumer", "Enterprise", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/capway", "api": "https://yc-oss.github.io/api/batches/summer-2020/capway.json" }, { "id": 22581, "name": "Atrato", "slug": "atrato", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2eb43ccb3094d71c256104d56a6bb710a42b9682.png", "website": "https://www.atratopago.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Enabling merchants and consumers to offer flexibility at the point of sale\r\n", "one_liner": "Enabling consumers split the cost of purchases without a credit card", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614706914, "tags": [ "Fintech", "Payments", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/atrato", "api": "https://yc-oss.github.io/api/batches/winter-2021/atrato.json" }, { "id": 22667, "name": "Finley", "slug": "finley", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b8f7eafbaed6e4784352f8ba9e3f4c19615d784e.png", "website": "https://www.finleycms.com", "all_locations": "San Francisco, CA, USA", "long_description": "Finley simplifies debt capital raise and management. Our software helps companies like Ramp, Arc and Parafin automate due diligence, ensure compliance, and streamline ongoing reporting with their capital providers. Our team brings experience from Goldman Sachs, Nova Credit, and Palantir Technologies, and is backed by Y Combinator and Bain Capital Ventures.", "one_liner": "Streamline your debt capital raise and management", "team_size": 32, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1613622206, "tags": [ "Fintech", "SaaS", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finley", "api": "https://yc-oss.github.io/api/batches/winter-2021/finley.json" }, { "id": 22668, "name": "Hapi", "slug": "hapi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/af60ab7f35a66c928467a7fc0641b82466842558.png", "website": "https://hapi.trade/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Hapi democratizes investing for consumers in Latin America.\r\n\r\nWe let anyone from Latam easily invest in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.", "one_liner": "Stocks and cryptos trading app with zero commissions and no minimums…", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1612134028, "tags": [ "Fintech", "Finance", "Consumer Finance", "Trading", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hapi", "api": "https://yc-oss.github.io/api/batches/winter-2021/hapi.json" }, { "id": 22677, "name": "GroMo", "slug": "gromo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a4e3e8136445391fcfe8afdb23cac5833b3e1e34.png", "website": "https://www.gromo.in", "all_locations": "Gurugram, HR, India", "long_description": "GroMo (YC W21) is building India's largest financial products distribution company. GroMo has built a network of 1.2 million agents on its platform. GroMo has built a tech-enabled social commerce platform that helps agents not only improve access to better financial products for consumers, but also bridge the financial literacy gap by helping them choose the right offerings. Currently, GroMo is distributing a broad spectrum of 100+ financial products across Insurance, Investments, Credit Cards, Loans, Saving & Demat accounts, etc. from brands such as IDFC Bank, Jupiter Money, Axis Bank, Freecharge, etc.\r\n", "one_liner": "App for independent agents to sell financial products in India", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1615365926, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gromo", "api": "https://yc-oss.github.io/api/batches/winter-2021/gromo.json" }, { "id": 22681, "name": "Pibit.ai", "slug": "pibit-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3b97233fe2d2709bfe27a59ba2585d4b741fe7a.png", "website": "https://pibit.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Pibit.ai is an SF–based insurtech company reconstructing the art (and science) of commercial underwriting for carriers and MGAs. At the heart is the CURE™ platform, the industry’s only centralized underwriting risk environment fueled by agentic underwriting services that delivers decision-ready outcomes. It converts submissions into decisions by automating intake, triage, and data enrichment from documents and external sources while surfacing risk insights so you can win the right accounts faster, scale throughput, and reduce loss ratios. Backed by Y-Combinator, the proprietary platform serves dozens of clients across the US, enabling 85% faster underwriting, 32% increase in GWP per underwriter, and up to 700 basis points improvement in loss ratios. For details, visit pibit.ai.\r\n", "one_liner": "The fastest path from submission to better decisions.", "team_size": 116, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1614376388, "tags": [ "Artificial Intelligence", "Generative AI", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pibit-ai", "api": "https://yc-oss.github.io/api/batches/winter-2021/pibit-ai.json" }, { "id": 22702, "name": "Gerald Technologies, Inc", "slug": "gerald-technologies-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d57c1e081948682acc0498a4a994ff60dd63f2a.png", "website": "https://www.joingerald.com", "all_locations": "New York, NY, USA; Remote", "long_description": "Gerald is a Buy Now, Pay Later (BNPL) and cash advance app that provides users with financial flexibility without any fees—no service fees, no transfer fees, no interest, and no late fees. Unlike competitors that charge hidden fees or penalties, Gerald ensures users can shop now, pay later, and access cash advances without extra costs.\r\n\r\nGerald is on a mission to eliminate stress about paying bills, and provides:\r\nZero Fees—Ever – No interest, no late fees, no transfer fees, and no subscriptions.\r\nBuy Now, Pay Later (BNPL) with No Hidden Costs – Users can shop now and pay later with no interest or late fees, making purchases more manageable.\r\nFree Cash Advance Transfers – Users who shop using BNPL unlock free cash advance transfers with zero costs—no hidden fees, no percentage cuts, and no instant transfer fees.\r\nInstant Transfers for Eligible Users – Unlike other apps that delay transfers or charge extra for speed, Gerald provides instant transfers for eligible users at no cost.\r\n\r\niOS: https://apps.apple.com/us/app/gerald-cash-advance-app/id1569801600\r\nAndroid: https://play.google.com/store/apps/dev?id=8069558551988887008&hl=en_US\r\n", "one_liner": "Buy Now Pay Later + Cash Advance for Household Essentials", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1614620835, "tags": [ "Fintech", "Payments", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gerald-technologies-inc", "api": "https://yc-oss.github.io/api/batches/winter-2021/gerald-technologies-inc.json" }, { "id": 22705, "name": "JoinSub", "slug": "joinsub", "former_names": [ "Splitsub", "Splitsub Inc.", "Splitsub" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f6311ab798c568114d69f91d489b612d220383d.png", "website": "https://joinsub.com", "all_locations": "Delhi, DL, India; Palo Alto, CA, USA; Remote", "long_description": "We, at JoinSub, are empowering the Indian small and medium retailers to drive repeat purchases & maximize their revenue by building a subscription-based model. \r\n\r\nIndia has over 14 million retail outlets, and we are poised to revolutionize the Retail Sector and enhance the buying experience both for retailers and consumers. We are dedicated to co-creating a community of futuristic retailers who are ready to embrace tech for growth.\r\n\r\nOur Subscription Programs work wonderfully for everyone who is looking to drive repurchases, right from those in the F&B industry, to Salons, Nail Salons, Spas, Gyms, Yoga & Dance Studios, Coffee Shops, Bakeries, Dry Cleaners, Florists, etc. We can help you delight your consumers and accelerate your business, the JoinSub Way!", "one_liner": "India's first aggregator and provider of local business subscriptions", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614962748, "tags": [ "Fintech", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "United States of America", "South Asia", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/joinsub", "api": "https://yc-oss.github.io/api/batches/winter-2021/joinsub.json" }, { "id": 22709, "name": "Krab", "slug": "krab", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b3461bd6c0d7c8c6a07247a48430eef9a92dc13.png", "website": "https://www.krab.in", "all_locations": "Hyderabad, Telangana, India", "long_description": "A lending platform that enables truckers/trucking companies with no formal credit score to access loans from banks. Our platform creates a rich credit profile of a trucking company by pulling 200+ data points from varied sources via consent APIs and instantly offers loans from multiple banking partners in less than 60 seconds. The trucking company can also use the same product for order management, invoice generation, vendor payments, and collections.", "one_liner": "Instant loans for trucking companies in India", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614676212, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/krab", "api": "https://yc-oss.github.io/api/batches/winter-2021/krab.json" }, { "id": 22712, "name": "GoBuild (fka Brick)", "slug": "gobuild-fka-brick", "former_names": [ "Brick" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dec4438ef7997107996b03f943e7910cbffed97e.png", "website": "https://go.build", "all_locations": "Oakland, CA, USA; Remote", "long_description": "We're building the trusted payments solution that enables small scale construction companies to grow. We help our customers grow by removing the cashflow strains of slow payments, mainly by:\r\n- Increasing volume of jobs by offering standardized, low-cost initial deposit options for - customers,\r\n- Improving productivity through consistent access to project-based working capital,\r\n- Improving expense management by streamlining their subcontractor payout process, and\r\n- Removing client collections risk from the construction company", "one_liner": "The payments solution for small scale construction. ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1616252660, "tags": [ "Fintech", "Housing", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gobuild-fka-brick", "api": "https://yc-oss.github.io/api/batches/winter-2021/gobuild-fka-brick.json" }, { "id": 22722, "name": "Pesto", "slug": "pesto", "former_names": [ "PingLend" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a632759d30777ac364558188cbef7a3323a9e28.png", "website": "https://www.getpesto.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1617911102, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pesto", "api": "https://yc-oss.github.io/api/batches/winter-2021/pesto.json" }, { "id": 22751, "name": "Fractional", "slug": "fractional", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8673461b690411790594b63804ba14874ca6d3ca.png", "website": "https://fractional.app", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "", "one_liner": "The place where motivated investors and entrepreneurs co-own together.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1614896861, "tags": [ "Fintech", "Real Estate", "Community" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fractional", "api": "https://yc-oss.github.io/api/batches/winter-2021/fractional.json" }, { "id": 22755, "name": "Finary", "slug": "finary", "former_names": [ "Finary", "Finary.io" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c174ec40251cd80b3cda15dbc6a6d4656e32186.png", "website": "https://about.finary.io/", "all_locations": "New York, NY, USA", "long_description": "Finary makes investing social by bringing together your portfolio and friends. Chat, hangout, and collaborate on investments.", "one_liner": "Discord for investing.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1614620799, "tags": [ "Fintech", "Community" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finary", "api": "https://yc-oss.github.io/api/batches/winter-2021/finary.json" }, { "id": 22763, "name": "Hyper", "slug": "hyper", "former_names": [ "Meta Labs", "Frenzy", "Meta Labs", "Hyper", "Querydog" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6b5b4dc192937ad7fbefffc9995a3938e1304f.png", "website": "https://hyper.co", "all_locations": "Palo Alto, CA, USA", "long_description": "", "one_liner": "Sell memberships to your Discord server", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1629323132, "tags": [ "SaaS", "Payments", "Community" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hyper", "api": "https://yc-oss.github.io/api/batches/summer-2021/hyper.json" }, { "id": 22776, "name": "Sivo", "slug": "sivo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/42187afef499e02a7d9253f59f6403faa4a7787f.png", "website": "https://sivo.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Sivo provides debt as a service. Our API and risk protocol allows fintechs, neobanks, and gig platforms to lend money to their users, at scale, without having to raise debt which can take up to two years. You can think of us as Stripe for Debt. \r\n\r\nWe started 6 months ago, in March signed a $100m debt capital partnership, and will be launching our API in April. We already have more than 100 companies in our customer pipeline including Uber. \r\n\r\nWe’ve been able to move so quickly because we are a team with previous exits and decades of experience in risk, debt, and enterprise software for companies including Goldman Sachs, Revolut, NASA, McKinsey and Citigroup.", "one_liner": "Debt as a service for companies to lend money to their users at scale.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1615229897, "tags": [ "Artificial Intelligence", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sivo", "api": "https://yc-oss.github.io/api/batches/winter-2021/sivo.json" }, { "id": 22791, "name": "Bueno Finance", "slug": "bueno-finance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d4c3c418c736bb44e99123a5021d831862cb46f8.png", "website": "https://buenofinanceinc.com", "all_locations": "Gurugram, HR, India", "long_description": "Credit building platform for next billion users. We offer digital credit card over UPI ", "one_liner": "Building Chime for India", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614835053, "tags": [ "Fintech", "India", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bueno-finance", "api": "https://yc-oss.github.io/api/batches/winter-2021/bueno-finance.json" }, { "id": 22792, "name": "Bimaplan", "slug": "bimaplan", "former_names": [ "Bima" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/34ed5c1ce09460f808ff16141b40921c2fce47a7.png", "website": "https://www.bimaplan.co", "all_locations": "Bengaluru, KA, India; MH, India", "long_description": "Bimaplan is an affordable insurance platform for the next billion Indians.\r\n\r\nOur vision is to provide financial security to 150 million vulnerable households through contextual life and health insurance products. The growth in mobile penetration and the evolution of digital infrastructure in India has now made it possible to reach this vulnerable population. This is an $8 billion addressable market.\r\n\r\nWe launched in February 2021, and went live with one insurance underwriting partner. We are on track to sell 1,000 policies in March 2021. We are backed by some of the best early stage technology investors, successful fintech founders, and insurance industry veterans.\r\n\r\nThe company is founded by Vikul Goyal, a second-time founder with a successful exit track record. His previous venture, Carcrew, was acquired by TVS Group, a large automotive conglomerate in India.", "one_liner": "Affordable insurance for the next billion Indians", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1615222466, "tags": [ "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bimaplan", "api": "https://yc-oss.github.io/api/batches/winter-2021/bimaplan.json" }, { "id": 22797, "name": "OctiFi", "slug": "octifi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4746c5eaff6f6c81f7f11e51cb6414a60b07956d.png", "website": "https://www.octifi.com", "all_locations": "Singapore, Singapore", "long_description": "We empower commerce with instant 0% interest loans for responsible spenders. Consumers can now renovate their dream homes or buy furniture online with an extended budget and pay later at no extra cost.\r\n", "one_liner": "Buy Now Pay Later for Southeast Asia", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1610523190, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Singapore", "Southeast Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/octifi", "api": "https://yc-oss.github.io/api/batches/winter-2021/octifi.json" }, { "id": 22833, "name": "Lendflow", "slug": "lendflow", "former_names": [ "Lendflow", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e4d17532ffa99531ffd5aab036f25518126619a.png", "website": "https://lendflow.com", "all_locations": "Austin, TX, USA", "long_description": "We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.", "one_liner": "Embedded lending infrastructure for software companies", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614708691, "tags": [ "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lendflow", "api": "https://yc-oss.github.io/api/batches/winter-2021/lendflow.json" }, { "id": 22834, "name": "Alinea", "slug": "alinea", "former_names": [ "Alinea Invest" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/309f21a43676330a7d4946870c8eaef1865fe8b0.png", "website": "https://alinea-invest.com/", "all_locations": "New York City, NY, USA", "long_description": "Alinea is an app for new investors where we do the hard work for you. With Alinea you have a team of investment experts in your pocket. ", "one_liner": "Automated investing for the next generation 💸", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1613165031, "tags": [ "Artificial Intelligence", "Education", "Fintech", "Social" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alinea", "api": "https://yc-oss.github.io/api/batches/winter-2021/alinea.json" }, { "id": 22836, "name": "Fintoc", "slug": "fintoc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/27ef60db6369b4ee0c99d323d0fa1867306102b9.png", "website": "https://fintoc.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "Account-to-Account payments in Mexico and Chile. ", "one_liner": "Account-to-Account payments in Mexico and Chile.", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614746222, "tags": [ "Developer Tools", "Fintech", "SaaS", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Chile", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fintoc", "api": "https://yc-oss.github.io/api/batches/winter-2021/fintoc.json" }, { "id": 22844, "name": "Kodo", "slug": "kodo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac7360082e93204b811c88cc621106bc792d0f80.png", "website": "https://www.kodo.com", "all_locations": "MH, India", "long_description": "", "one_liner": "Corporate card & spend management platform for Indian startups", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614619355, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kodo", "api": "https://yc-oss.github.io/api/batches/winter-2021/kodo.json" }, { "id": 22853, "name": "Udhaar App", "slug": "udhaar-app", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c65e57759d0ba9c7f2f132cd48a606ba9a1bb245.png", "website": "https://udhaar.pk/", "all_locations": "Karachi, Sindh, Pakistan; Sindh, Pakistan", "long_description": "We are a simple book-keeping app, to help 30M micro SMEs run their finances digitally.\r\n\r\nI was visiting Pakistan. 1-day, asked our local store owner on plans for his next location. His response, 'never'. \r\n\r\nSince business operations & money flow are manual, he worked 16 hours / 7 days to minimize theft. Zero time with family. We got obsessed with identifying how we can help small business owners run their business and have a life. \r\n\r\nEverything in Pakistan is manual, store credit, sales, purchasing inventory, cash management, tax filings, payments, etc.\r\n\r\nThis idea got us hooked as it allows us to build a large company and have a huge impact on ~30M small businesses in Pakistan that contribute 74% of the overall GDP.\r\n\r\nExplosion in 4G adoption (91M 4G subscribers, 720% growth in 5 years), is helping drive product market fit:\r\ni. >1M downloads\r\nii. 4.6 star rating on Playstore & Appstore\r\niii. MAUs & GTV: get in touch :)", "one_liner": "We're Khatabook / OkCredit for Pakistan", "team_size": 32, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1615201342, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/udhaar-app", "api": "https://yc-oss.github.io/api/batches/winter-2021/udhaar-app.json" }, { "id": 22857, "name": "Kredi", "slug": "kredi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cb75e266cc8da168413783c604562a0c244d6815.png", "website": "https://www.kredi.mx/", "all_locations": "Monterrey, N.L., Mexico; N.L., Mexico", "long_description": "Kredi is rocket mortgage for LatAm. ", "one_liner": "Rocket Mortgage for LatAm. ", "team_size": 66, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614619577, "tags": [ "Fintech", "Latin America", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kredi", "api": "https://yc-oss.github.io/api/batches/winter-2021/kredi.json" }, { "id": 22883, "name": "Purpose Finance", "slug": "purpose-finance", "former_names": [ "Purpose" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7fce2495457b3ea925ac475b7a6cd14235d1a2f.png", "website": "https://www.purposefinance.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help our users align their money with their values by giving actionable environmental, social and governance data about the companies that they shop at. And we keep it fun with perks and rewards. ", "one_liner": "Accelerating the shift to a more transparent economy ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1614645856, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/purpose-finance", "api": "https://yc-oss.github.io/api/batches/winter-2021/purpose-finance.json" }, { "id": 22887, "name": "R2", "slug": "r2", "former_names": [ "R2 Capital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b369086fdabf6bd95df9f4c2751399f39b54f2fd.png", "website": "https://r2.co/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "R2 enables platforms to seamlessly offer capital to their SMB customers in Latin America", "one_liner": "Embedded lending infrastructure", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614661647, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/r2", "api": "https://yc-oss.github.io/api/batches/winter-2021/r2.json" }, { "id": 22902, "name": "Verak", "slug": "verak", "former_names": [ "BimaPe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/855c741a332ef96bfff5cdcb2a2907b57709f104.png", "website": "http://verak.in", "all_locations": "Bengaluru, India", "long_description": "Verak is now part of InsuranceDekho as of April 2023.\r\n\r\nVerak offered next day coverage starting at ₹8 per day for MSMEs in India to insure any facility (shop, warehouse, factory etc) against 15+ natural & man-made perils. (*)\r\n\r\nOur team worked across the entire insurance value-chain: From satellite based underwriting to machine learning based pricing to instant quotation to WhatsApp based claims.\r\n", "one_liner": "Better Business Insurance for MSMEs in India", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1616840076, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/verak", "api": "https://yc-oss.github.io/api/batches/winter-2021/verak.json" }, { "id": 22903, "name": "Finary.com", "slug": "finary-com", "former_names": [ "Finary", "Finary.eu" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92697d15148b993a9430a508d613dc56ccc3c842.png", "website": "https://finary.com/en", "all_locations": "Paris, Île-de-France, France", "long_description": "Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.", "one_liner": "The new wealth manager for Europe", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1616250491, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finary-com", "api": "https://yc-oss.github.io/api/batches/winter-2021/finary-com.json" }, { "id": 23036, "name": "Solo", "slug": "solo", "former_names": [ "SoloSuit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/888fa679977b5e66cbfce96bde4be5ca934497be.png", "website": "https://www.solosuit.com/", "all_locations": "Provo, UT, USA; Remote", "long_description": "Solo, formerly SoloSuit, helps Americans resolve debt. People use our first product, SoloSuit to respond to debt lawsuits and create other legal documents. Then they use SoloSettle to connect with the collector and settle the debt. We're targeting the $35B debt resolution market.", "one_liner": "We help people resolve debt.", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1614916191, "tags": [ "Fintech", "Consumer", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/solo", "api": "https://yc-oss.github.io/api/batches/winter-2021/solo.json" }, { "id": 23063, "name": "Striga", "slug": "striga", "former_names": [ "Lastbit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b08440373659fcbdaa43425b9239102bfad05c12.png", "website": "https://striga.com/", "all_locations": "Tallinn, Harju County, Estonia", "long_description": "Striga is building infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early stage FinTech's, Web3 innovators, Banking Institutions and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing and Banking. Building a crypto business today is a highly regulated space unlike a few years ago and maintaining a compliance program and building technology presents a huge barrier to entry for startups and mid-size businesses alike and the Striga platform solves the problem with a single set of APIs and a single contract to deliver services to 30 countries today.", "one_liner": "Compliant Crypto and Banking Infrastructure", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614224006, "tags": [ "Crypto / Web3", "Compliance" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Estonia", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/striga", "api": "https://yc-oss.github.io/api/batches/winter-2021/striga.json" }, { "id": 23064, "name": "Tint", "slug": "tint", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7dde25caa0cd447568d68dc1fc85383b5f346ba8.png", "website": "http://www.tint.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Tint makes it easy for tech platforms to embed insurance into their products. For example, when you go to Outdoorsy to rent an RV, the insurance that is sold with the rental is powered by our technology.\r\n\r\nOur product provides anything that is needed from underwriting software to access to insurers to compliance, in a simple API. ", "one_liner": "Makes it easy for tech platforms to embed insurance into products", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1610519523, "tags": [ "Artificial Intelligence", "Developer Tools", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tint", "api": "https://yc-oss.github.io/api/batches/winter-2021/tint.json" }, { "id": 23065, "name": "Finantier", "slug": "finantier", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3082aaa191a19f354ad6279b75ef9892a36877a5.png", "website": "https://finantier.co", "all_locations": "Singapore, Singapore", "long_description": "Finantier is Plaid for Southeast Asia, providing the infrastructure and data products required by businesses to build the next generation of financial services.", "one_liner": "Plaid for Southeast Asia", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1608761699, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finantier", "api": "https://yc-oss.github.io/api/batches/winter-2021/finantier.json" }, { "id": 23075, "name": "TaoFi", "slug": "taofi", "former_names": [ "Trained Eye", "Sturdy", "Sturdy Finance", "Sturdy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0978b02398d2e208700132e4080e74a5adc8d662.png", "website": "https://taofi.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "The financial layer for decentralized AI", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1616256593, "tags": [ "Artificial Intelligence", "DeFi" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/taofi", "api": "https://yc-oss.github.io/api/batches/winter-2021/taofi.json" }, { "id": 23120, "name": "Slash", "slug": "slash", "former_names": [ "TabTab" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aa92dfb25b5a61583fdba17aadbf892376cab5ff.png", "website": "https://www.slash.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Slash is America's leading business banking platform. Backed by NEA, Menlo Ventures, Stanford University, and the founders of Tinder and Plaid, Slash works with over 5000 mid market businesses and moves $30bn per year across all payment rails. \r\n\r\nBusinesses come to Slash for three simple reasons:\r\n1. We are the \"Costco\" of business banking. You get the highest cashback on your card spend and the highest yield on your treasury account.\r\n2. We offer a bunch of free software that saves you and your finance team time: expense management, accounting automations, invoicing – all for free.\r\n3. We're available worldwide. Businesses in 100+ countries can sign up for a USD account on Slash. \r\n\r\nWe offer businesses:\r\n1. Deposit accounts with free outgoing wire and ACH transfers. \r\n2. Unlimited virtual cards with up to 2% cash back.\r\n3. Integrations to all major accounting platforms.\r\n4. Invoicing, expense management, and bill pay software.\r\n5. Stablecoin payments\r\n6. An powerful card creation and payments API", "one_liner": "Banking, corporate cards, stablecoin payments – available globally.", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630082874, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/slash", "api": "https://yc-oss.github.io/api/batches/summer-2021/slash.json" }, { "id": 23185, "name": "Mythia", "slug": "mythia", "former_names": [ "Empathize.com", "Mythra.com", "Mythra", "Mythia", "In Stealth" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/33e2217a30ebcdb9fa4d5c067a1c1826d7c3b0f1.png", "website": "", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "", "one_liner": "Rewards card for gamers", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1616601392, "tags": [ "Fintech", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mythia", "api": "https://yc-oss.github.io/api/batches/winter-2021/mythia.json" }, { "id": 23240, "name": "Mendel", "slug": "mendel", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/167c2f75deef42269d65b0dce3e88b261667cf74.png", "website": "https://mendel.com", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "", "one_liner": "Workflows to empower employees to spend while finance stay in control", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1615563161, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mendel", "api": "https://yc-oss.github.io/api/batches/winter-2021/mendel.json" }, { "id": 23260, "name": "Z1", "slug": "z1", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.png", "website": "https://z1.app/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Z1 is a digital banking app made for teenagers and young adults. By using the Z1 app and a prepaid card linked to their account, teenagers can begin their road to financial independence by learning to manage and spend their money, as well as having a place to receive money they earn through jobs and small businesses.", "one_liner": "Digital bank for teenagers in LatAm connected to prepaid card ", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1614809157, "tags": [ "Fintech", "Payments", "Consumer", "Lending", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/z1", "api": "https://yc-oss.github.io/api/batches/winter-2021/z1.json" }, { "id": 23265, "name": "Mono", "slug": "mono", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b97c4db893c7132d2d6deeb08700784456ba75dc.png", "website": "https://mono.co", "all_locations": "Lagos, LA, Nigeria", "long_description": "We allow companies to access data from their customers bank accounts and allow them to debit money from these same bank accounts. ", "one_liner": "Plaid for Africa, but better. ", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1612182536, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mono", "api": "https://yc-oss.github.io/api/batches/winter-2021/mono.json" }, { "id": 23271, "name": "Ziina", "slug": "ziina", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "website": "https://www.ziina.com", "all_locations": "Dubai, United Arab Emirates", "long_description": "Ziina is bringing the next generation of financial services to the Middle East.", "one_liner": "A digital wallet for the Middle East & North Africa", "team_size": 57, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1615710655, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ziina", "api": "https://yc-oss.github.io/api/batches/winter-2021/ziina.json" }, { "id": 23277, "name": "Pagaloop", "slug": "pagaloop", "former_names": [ "Pagaloop", "Pagaloop (W21)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1f69d980d6dd00c32de1b55392f4b6d7426fe5d.png", "website": "https://www.pagaloop.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Pagaloop helps business owners and persons in Latin America pay, get paid and extend cash flow using credit cards to finance expenses like rent, taxes, payroll and suppliers, via an extended network of relevant partnerships (federal/local governments, AMEX, HSBC, schools and universities, etc.). The Company provides a service in which a payment is made to a third party (that would typically not accept credit card as a payment method) in exchange for a fee of 4.7% (+ taxes). Additionally, Pagaloop offers payments in 3, 6, 9 or 12\r\nmonths with an extremely accessible commission. All of those solutions without taking any underwriting risk, which remains at the issuer of the credit line.", "one_liner": "Pay, Get Paid and Extend Cash Flow using your Credit Card as…", "team_size": 23, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614708450, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pagaloop", "api": "https://yc-oss.github.io/api/batches/winter-2021/pagaloop.json" }, { "id": 23304, "name": "Moonshot Brands", "slug": "moonshot-brands", "former_names": [ "GrowFlow" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/28e8b66601bd99b04c0ccbfe410627db14923431.png", "website": "http://moonshotbrands.com", "all_locations": "Miami, FL, USA; Toronto, ON, Canada; Washington, DC, USA; Remote", "long_description": "Moonshot Brands is building the world’s largest - next-generation CPG (Consumer Product Goods) e-commerce company. We look for profitable e-commerce companies on Amazon or selling DTC on Shopify, purchase them from the founders giving them liquidity for their biggest asset, then turbocharge the growth with our proprietary data-driven technology platform and team. We scale e-commerce brands globally.", "one_liner": "Buy and grow profitable e-commerce companies selling on Amazon and DTC", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1611511377, "tags": [ "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "Canada", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/moonshot-brands", "api": "https://yc-oss.github.io/api/batches/winter-2021/moonshot-brands.json" }, { "id": 23398, "name": "Prospa", "slug": "prospa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/79cf1d552a252f2f4a4763f55b112abca89f4cb6.png", "website": "https://getprospa.com", "all_locations": "London, United Kingdom", "long_description": "", "one_liner": "Banking for businesses ", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1645197476, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/prospa", "api": "https://yc-oss.github.io/api/batches/winter-2021/prospa.json" }, { "id": 23405, "name": "Dayra", "slug": "dayra", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/14c8c484f9d548b7088d673df96466fd122d6332.png", "website": "https://Dayra.co", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "Dayra makes it easy for Egyptian businesses offer Loans and virtual bank accounts to their unbanked workers and customers through their App.\r\nFor example, one of our customers an Egyptian trucking marketplace uses our API to give truck drivers an early advance on their earnings.", "one_liner": "Data-driven embedded Financial Services for Gig Workers", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1616422509, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Egypt", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/dayra", "api": "https://yc-oss.github.io/api/batches/winter-2021/dayra.json" }, { "id": 23413, "name": "peopleCQ", "slug": "peoplecq", "former_names": [ "NowPay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b75dadd6621c4361cef21bfa4970d3213aa6e4f.png", "website": "https://www.peopleCQ.com", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "NowPay, a FinTech startup founded by ex-employees of IBM, Microsoft, Orange and Amazon, is building a financial-wellness platform for employees in emerging markets. Saving, spending, budgeting and borrowing. Those are the 4 pillars of financial-wellness. NowPay aims to improve every aspect of those for employees by building products that tackle every vertical. \r\n\r\nNowPay enables employees to get their salaries in advance at any point in time during the month and also pay their bills instantly. NowPay is backed by 500 Startups, Beco Capital, Endure, Plug and Play, MSA Capital, 4dx, Foundation Ventures, EFG and Beltone and has raised 3.7m USD so far.", "one_liner": "Employer backed payroll advances for employees in Egypt", "team_size": 85, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1615031685, "tags": [ "Recruiting", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Egypt", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/peoplecq", "api": "https://yc-oss.github.io/api/batches/winter-2021/peoplecq.json" }, { "id": 23434, "name": "Broad", "slug": "broad", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db2474262802865fe1aa9cf299865700280ea6e.png", "website": "http://www.broad.app", "all_locations": "London, England, United Kingdom; Remote", "long_description": "Broad is building global financial products that enable life without borders.", "one_liner": "The multicurrency account and card for Brazilians", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1614182017, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/broad", "api": "https://yc-oss.github.io/api/batches/winter-2021/broad.json" }, { "id": 23435, "name": "Cheqout", "slug": "cheqout", "former_names": [ "Cheqout Payments Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8ff762d9008ae52914e56724b09462b7d75da5e7.png", "website": "https://cheqout.com", "all_locations": "San Francisco, CA, USA", "long_description": "Cheqout is a mobile POS for brick & mortar businesses that allows waiters and retail workers to take or accept orders & payments. You can think of it as a hybrid of the Apple Store and WeChat Pay, with both staff and customers using their own devices to facilitate the transaction through QR codes.", "one_liner": "Mobile ordering & payments for Brick & Mortars", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614763531, "tags": [ "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cheqout", "api": "https://yc-oss.github.io/api/batches/winter-2021/cheqout.json" }, { "id": 23453, "name": "HUBUC", "slug": "hubuc", "former_names": [ "B2B FINTECH SOLUTIONS SL" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/94c72c8322619fc4fcd30c21ff401c545be7dc70.png", "website": "https://www.hubuc.com/", "all_locations": "Barcelona, CT, Spain; London, England, United Kingdom", "long_description": "HUBUC P1 is a lightning-fast global card issuing and processing engine.\r\n\r\nWe call this incredible machine P1 because it's fast, lean, and innovative.\r\n\r\nWe believe it's the best, and you should take it for a test drive here: https://www.hubuc.com/", "one_liner": "Global Card Issuing and Payment Processing Engine", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1615725925, "tags": [ "Fintech", "Payments", "B2B", "API", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Spain", "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hubuc", "api": "https://yc-oss.github.io/api/batches/winter-2021/hubuc.json" }, { "id": 23458, "name": "Djamo", "slug": "djamo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9dadb9bb534e37983e39d8ecca55d9eb52b3acad.png", "website": "https://www.djamo.com", "all_locations": "Abidjan, Abidjan Autonomous District, Ivory Coast; Dakar, Dakar Region, Senegal", "long_description": "Djamo is a challenger Bank for consumers in french speaking Africa where less than 25% of the population is banked, we are building seamless and affordable banking solutions to break into this huge untaped market and bring millions of people into financial inclusion.\r\n\r\n", "one_liner": "Challenger Bank for consumers in French speaking Africa.", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1612807226, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Ivory Coast", "Senegal", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/djamo", "api": "https://yc-oss.github.io/api/batches/winter-2021/djamo.json" }, { "id": 23555, "name": "Bloom", "slug": "bloom-3", "former_names": [ "Contour Labs", "Inc.", "Contour Labs", "Contour" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2d21128e3a2a6d5f1c0f5db5fede438273586e9e.png", "website": "https://bloomapp.com", "all_locations": "San Francisco, CA, USA", "long_description": "Bloom's mission is to improve the financial outcomes of all Americans by giving them the knowledge and tools they need to achieve prosperity. \r\n\r\nOur first product is an investing app that teaches users how to build wealth through interactive financial lessons, a gamified rewards economy as well as an investing account designed for building long-term wealth.\r\n\r\nSince launching in April 2022, over 1 million users have joined Bloom and we have crossed $3MM in annual recurring revenue.", "one_liner": "Investing app that teaches you how to invest", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1628250183, "tags": [ "Education", "Fintech", "Edtech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bloom-3", "api": "https://yc-oss.github.io/api/batches/winter-2021/bloom-3.json" }, { "id": 23599, "name": "Shepherd", "slug": "shepherd", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/665b8b21bf9557134751457d9fb96959e7d379cd.png", "website": "https://shepherdinsurance.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Modernizing commercial insurance", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1630611769, "tags": [ "Construction", "Insurance", "Energy" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/shepherd", "api": "https://yc-oss.github.io/api/batches/winter-2021/shepherd.json" }, { "id": 23632, "name": "NextPay", "slug": "nextpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e17ef5f315b7d43a751993de676bf13903bea.png", "website": "https://nextpay.world", "all_locations": "Makati, NCR, Philippines", "long_description": "NextPay is a digital bank for small businesses and entrepreneurs in The Philippines. They use us to send invoices, collect payments, do payroll, and pay their bills.\r\n\r\nNextPay is the best alternative to bank accounts for small businesses and entrepreneurs in the Philippines. We help them similarly to how Brex helps companies in the US, but in a way that is more locally nuanced. We manage their finances and remove the steep barriers that Filipino banks and financial institutions typically require; no setup fees, maintaining balances, or ridiculous requirements. \r\n\r\nView the full context on our Launch Bookface post: \r\nhttps://bookface.ycombinator.com/posts/51999", "one_liner": "The digital bank for small businesses in the Philippines.", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1616401605, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Philippines", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nextpay", "api": "https://yc-oss.github.io/api/batches/winter-2021/nextpay.json" }, { "id": 23635, "name": "Kanda", "slug": "kanda", "former_names": [ "Kanda Products & Services Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/12721c77ec6abed4cfdc871f289cbeee71a330f6.png", "website": "https://www.getkanda.com/", "all_locations": "Birmingham, England, United Kingdom; Remote", "long_description": "Kanda is building Affirm for general contractors. We allow contractors to offer financing to homeowners who want to remodel but can’t pay the full price upfront.", "one_liner": "Affirm for general contractors", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614624486, "tags": [ "Fintech", "SaaS", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United Kingdom", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kanda", "api": "https://yc-oss.github.io/api/batches/winter-2021/kanda.json" }, { "id": 23645, "name": "Flux", "slug": "flux-2", "former_names": [ "Blueloop" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a0fc23e62bbe4d36af07ab93903e299d59ef9e1.png", "website": "https://iflux.app", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "We are building Flux- Flux is a Mobile App for merchants, freelancers, regular users(P2P) to make and accept payments from their customers anywhere in the world using crypto or fiat.\r\nWe have built a mobile app that uses the merchants’ phone number, creates a wallet enabling them to receive payments in crypto or fiat without having to go to an exchange or pay expensive fees. Merchants can accept payments in crypto or in fiat.\r\nPayments made in Crypto can easily convert into fiat due to the built in fast reconciliation and is made available for spending immediately.\r\nCurrently the vast majority merchants receive payments in crypto because of two issues (1) Paypal, Venmo, CashApp or Square to not exist in Africa and (2) the local currency fluctuates more than bitcoin due to inflation. But in order for merchants to receive money in crypto and exchange it into fiat they resort to crypto exchange apps and crypto addresses to receive payments which is a very complicated and expensive process. Merchants want to be paid quickly with the lowest amount of fees possible. This is why we are building Flux", "one_liner": "Cross border Payments infrastructure for internet businesses and…", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1633034159, "tags": [ "DeFi", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flux-2", "api": "https://yc-oss.github.io/api/batches/winter-2021/flux-2.json" }, { "id": 23656, "name": "Nano Technologies", "slug": "nano-technologies", "former_names": [ "Nano Technologies Pte Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b845da29a5d48b75776ba0a4567d441e54d5cac3.png", "website": "http://www.vuiapp.vn", "all_locations": "Hanoi, Vietnam", "long_description": "Nano is an income streaming app which pays workers daily instead of monthly for retailers and manufacturers in South East Asia. \r\n\r\nThis is essential because these employers compete for workers with the gig economy, which pays daily with a flexible work schedule. \r\n\r\nNano integrates seamlessly with any HRM/Attendance Software from employers, helping them save turnover costs and build a more engaged and productive workforce.", "one_liner": "Payroll app to pay workers daily for retailers & manufacturers in SEA", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614656815, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Vietnam", "Southeast Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nano-technologies", "api": "https://yc-oss.github.io/api/batches/winter-2021/nano-technologies.json" }, { "id": 23659, "name": "Zage", "slug": "zage", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09b6574cc19556c5eb8c4d3f21246af0c375546b.png", "website": "https://tryzage.com", "all_locations": "San Francisco, CA, USA", "long_description": "Making the exchange of value magical and seamless for everyone.", "one_liner": "Pay by bank and earn rewards", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1626802699, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zage", "api": "https://yc-oss.github.io/api/batches/summer-2021/zage.json" }, { "id": 23776, "name": "Palla", "slug": "palla", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f1d92ba064533486991db02e1726ce77eae0eba.png", "website": "https://www.palla.com", "all_locations": "Remote", "long_description": "Palla enables instant P2P payments from the US to other countries, a $65BN a year market. Sending and receiving remittances today is slow, time consuming and inconvenient for all parties, as it's a mostly cash based process. With Palla, senders in the US can do it in a few taps of their phone and receivers get their money in seconds. ", "one_liner": "P2P Cross border payments", "team_size": 22, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626880377, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/palla", "api": "https://yc-oss.github.io/api/batches/summer-2021/palla.json" }, { "id": 23796, "name": "Slope", "slug": "slope", "former_names": [ "AirDesk" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb362ee6e3bfce450e6a8196b555db1534feef1b.png", "website": "http://www.slopepay.com", "all_locations": "San Francisco, CA, USA", "long_description": "Accept and reconcile B2B payments seamlessly.", "one_liner": "The B2B Payments Platform ", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625009192, "tags": [ "Artificial Intelligence", "Fintech", "Machine Learning", "Payments", "Fraud Detection" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/slope", "api": "https://yc-oss.github.io/api/batches/summer-2021/slope.json" }, { "id": 23842, "name": "Hedgehog", "slug": "hedgehog", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ced67334a53580ec3d2634a3a30bb488a8be131.png", "website": "https://hedgehog.app", "all_locations": "San Jose, CA, USA; Remote", "long_description": "Hedgehog is a crypto robo-adviser that manages your funds in broad baskets of digital assets covering up to 85% of crypto's market cap. We already have 15k users monitoring $176m in crypto assets and over $548k in GTV on our V1 product, we have completed our exit interview with the SEC as of 4/24, and our custodial product is now live in the App Store and Google Play.", "one_liner": "Cryptocurrency Robo-adviser. Buy. Balance. Relax.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1625587808, "tags": [ "DeFi", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hedgehog", "api": "https://yc-oss.github.io/api/batches/summer-2021/hedgehog.json" }, { "id": 23885, "name": "marketfeed", "slug": "marketfeed", "former_names": [ "fundfolio" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2d876ee89747c228cdd24b743705be33b8ec8364.png", "website": "https://marketfeed.com", "all_locations": "Bengaluru, KA, India; Kochi, KL, India", "long_description": "marketfeed offers an automated trading platform that helps users earn returns through sophisticated options trading strategies. By connecting their broker's account, users can automate expert-developed strategies. The platform automatically executes trades, providing the potential for periodic earnings without the need for constant monitoring.", "one_liner": "Helps affluent Indians invest in automated options trading strategies ", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1627922443, "tags": [ "Fintech", "Trading", "Stocks" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/marketfeed", "api": "https://yc-oss.github.io/api/batches/summer-2021/marketfeed.json" }, { "id": 23959, "name": "TAG", "slug": "tag", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/22dbba25a74200259e0d969df993848635b9e309.png", "website": "https://tagme.pk/", "all_locations": "Islamabad, Islamabad Capital Territory, Pakistan", "long_description": "TAG is setting new standards and changing the way Pakistan banks by building a digital bank for the masses, with an aim to encompass the entire financial life of users, from basic banking such as bank account and Visa Debit card to employer payrolls, salary advances, savings, and neo-brokerage in future.", "one_liner": "TAG is the First Digital Bank (Chime/Revolut/N26) for Pakistan", "team_size": 36, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1626881984, "tags": [ "FinOps", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tag", "api": "https://yc-oss.github.io/api/batches/summer-2021/tag.json" }, { "id": 23969, "name": "Baraka", "slug": "baraka", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/33d4b7cec8f7cb931194833e44baba367918cce0.png", "website": "https://www.getbaraka.com/", "all_locations": "Dubai, United Arab Emirates", "long_description": "💸Hey YC, we’re baraka (S21), an investment app built for people in the Middle East.\r\n\r\n📱 Our product\r\n\r\nThis is how we do it:\r\n•\t6,000+ stocks and ETFs – the freedom to choose the companies and industries that you want to back\r\n•\tThe power of financial literacy – educational content, digestible market news and in-depth stock analysis\r\n•\tFractional Shares – the ability to start investing with smaller sums of money\r\n•\tFair pricing – Transparent, low commission pricing model\r\n•\tEasy to use – intuitive user journey and interface \r\n\r\n\r\n🕒 What's Next?\r\n\r\nThe app is available in countries across MENA. Check out our website: getbaraka.com.\r\n\r\nPlease reach out to give us feedback, discuss product, go-to-market strategy or anything else on founders@getbaraka.com. \r\n\r\nFeras & Kunal\r\n", "one_liner": "Grow Your Wealth With Baraka", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1624461692, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/baraka", "api": "https://yc-oss.github.io/api/batches/summer-2021/baraka.json" }, { "id": 23974, "name": "Level", "slug": "level", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1cdea6a283c7f9c3d6b9bb0babe061a2fe575034.png", "website": "https://trylevel.app", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Level provides fast and simple financing to lending startups that gets them off the ground and grows with them as they scale. We do so by buying loans in small quantities at first and rewarding our customers with more access to capital based on performance. Co-founder & CEO, Vladimir Korshin, previously worked in the traditional venture debt system at Silicon Valley Bank, where he noticed that strong startups were frequently denied from non-dilutive financing because they were too small. Just 4 weeks after going live with our first customer, we purchased $1.3M in loans across 6 customers. The founding team brings 30+ years of startup experience: Vladimir previously worked as an operator at Facebook, Eventbrite, and Niantic; Asa Schachar was an engineer at Microsoft and managed teams of engineers at Optimizely; Molly Hogan led new and international product initiatives at Amazon for over 7 years. Level is backed by Liquid2, Y Combinator (S21), and others. https://www.trylevel.app/", "one_liner": "Fast and simple fintech financing", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626027248, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/level", "api": "https://yc-oss.github.io/api/batches/summer-2021/level.json" }, { "id": 23986, "name": "Fingo Africa", "slug": "fingo-africa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/548d01bca4a6a4a1f060960268f7f60e651cc29a.png", "website": "https://fingo.africa", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Fingo is building a pan-African digital bank.\r\n\r\nToday, most Africans pay 5-15% fees to transfer money to friends, family, or businesses - with Fingo these fees will be 90% cheaper. \r\n\r\nIn 240 seconds, any young person will be able to access a full suite of financial services including personal, business, investment and savings accounts. \r\n", "one_liner": "A neobank for Africa's 500 million youth", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630160190, "tags": [ "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Kenya", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fingo-africa", "api": "https://yc-oss.github.io/api/batches/summer-2021/fingo-africa.json" }, { "id": 23988, "name": "ARQ", "slug": "arq", "former_names": [ "DolarApp" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8bc99a7b1fcd4beb6346ad86488762b8d82c1510.png", "website": "https://www.arqfinance.com/", "all_locations": "London, United Kingdom", "long_description": "ARQ opens the world’s strongest assets and markets to travelers, investors and professionals across the Americas—so they can spend, receive, send and grow their money wherever they are.\r\n\r\nFormerly known as DolarApp.", "one_liner": "The global financial platform for affluent consumers in the Americas.", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1663161574, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/arq", "api": "https://yc-oss.github.io/api/batches/summer-2021/arq.json" }, { "id": 24006, "name": "Karbon Card", "slug": "karbon-card", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/17ef37d6752b041cef8cbde238930aba2834a6a3.png", "website": "https://www.karboncard.com/", "all_locations": "Bengaluru, KA, India", "long_description": "We at Karbon Cards provide corporate credit cards, vendor payment solutions and forex outward remittance products to Indian companies. We partners with banks and other FI's to provide comprehensive spend management and working capital solutions. Companies qualify for credit via a liberalized startup friendly underwriting process.\r\n\r\nFor those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.", "one_liner": "Corporate Card solution for Indian businesses", "team_size": 144, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626796391, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/karbon-card", "api": "https://yc-oss.github.io/api/batches/summer-2021/karbon-card.json" }, { "id": 24026, "name": "Flowbo", "slug": "flowbo-inc", "former_names": [ "Flowbo Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/50a9b08351b63992055d656f9f008b5e7ec36f91.png", "website": "https://www.flowbo.co/", "all_locations": "Los Angeles, CA, USA; Seoul, Seoul, South Korea", "long_description": "Flowbo provides financing to online revenue-generating companies including creators and eCommerce. \r\n\r\nWe package assets into investable products so creators can raise money. For example, we package receivables into factoring products.", "one_liner": "Pipe for online businesses", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624307550, "tags": [ "Fintech", "Marketplace", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "South Korea", "America / Canada", "East Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flowbo-inc", "api": "https://yc-oss.github.io/api/batches/summer-2021/flowbo-inc.json" }, { "id": 24037, "name": "Levro", "slug": "levro", "former_names": [ "Novo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "website": "https://www.levro.com", "all_locations": "San Francisco, CA, USA", "long_description": "Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking.\r\n\r\nIf you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com", "one_liner": "Multicurrency account & international payments for businesses", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1626366454, "tags": [ "Fintech", "Payments", "Finance", "B2B", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/levro", "api": "https://yc-oss.github.io/api/batches/summer-2021/levro.json" }, { "id": 24038, "name": "FrontPage", "slug": "frontpage", "former_names": [ "Crowdware Labs Private Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ac95e715a7bf8e21b677a36c6d3cebf4e933ad.png", "website": "https://front.page", "all_locations": "Bengaluru, KA, India", "long_description": "Frontpage is building a community for 100M Indian traders and investors. Millions of new traders and investors are looking to participate in financial markets. FrontPage harnesses power of community where traders and investors can connect with each other, share their ideas, and learn from each other.\r\n\r\n\r\n\r\n\r\n\r\n", "one_liner": "Community for 100M Indian Financial Market Traders & Investors", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1627473725, "tags": [ "Fintech", "Community" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/frontpage", "api": "https://yc-oss.github.io/api/batches/summer-2021/frontpage.json" }, { "id": 24041, "name": "Koshex", "slug": "koshex", "former_names": [ "Koshex (Your Pot of Wealth X Exponential Growth)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5372c43fe16f7453f3807e7fb91ce46ee47099cc.png", "website": "https://www.koshex.com", "all_locations": "Bengaluru, KA, India", "long_description": "Koshex is building Wealthfront for India with data-driven insights around day to day finances for an individual to save more and invest well. We are automating wealth creation for 400 million Indian millennials with access to more than US$700bn of individual investable wealth.", "one_liner": "Automating wealth creation for 400M Indian millennials", "team_size": 21, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1626368708, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/koshex", "api": "https://yc-oss.github.io/api/batches/summer-2021/koshex.json" }, { "id": 24042, "name": "Akudo", "slug": "akudo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3046538d2939ee60ee1e0209232445c07f2b8eb7.png", "website": "https://www.akudo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Akudo is a digital bank for teenagers in India that gets them their own sleek, personalized prepaid card that they can use independently, helps them save money and gives them exciting rewards under a gamified setup when they're good at their personal finance. \r\nWe are crafting the concept of \"Learning-first Banking\" where financial learning is seamlessly intertwined with full scale banking.", "one_liner": "India's first learning-focused neobank for teenagers", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1629552125, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/akudo", "api": "https://yc-oss.github.io/api/batches/summer-2021/akudo.json" }, { "id": 24143, "name": "InstaKin", "slug": "instakin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adf4f090a820906f30e301a39fb86de71cc10ead.png", "website": "https://instakin.com/", "all_locations": "Boston, MA, USA; Remote", "long_description": "", "one_liner": "Financial Platform for Migrant Families in America", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624984084, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/instakin", "api": "https://yc-oss.github.io/api/batches/summer-2021/instakin.json" }, { "id": 24149, "name": "Union54", "slug": "union54", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c0dfe6ae2ac625f60016dfdeb272a9158130e0f.png", "website": "https://union54.com", "all_locations": "Lusaka, Lusaka Province, Zambia; Remote", "long_description": "ChitChat by Union54 is an integrated messaging and payments platform designed specifically for Africa's unique needs.\r\n\r\nOur app combines secure instant messaging with USD card capabilities and cross-border payments, making international money movement more accessible and affordable.\r\n\r\nWe're tackling one of Africa's biggest financial challenges: the high cost of sending money across borders, where African senders often pay double the fees despite sending smaller amounts.\r\n\r\nAs a Y Combinator-backed startup, we're building technology that empowers African consumers and businesses to participate more fully in the global digital economy.\r\n\r\nOur mission is to create financial products that genuinely serve customer needs while challenging the status quo of traditional remittance providers.", "one_liner": "Developers of ChitChat, an integrated messaging and payments wallet…", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1628234333, "tags": [ "FinOps", "Fintech", "Consumer", "B2B", "Messaging" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Zambia", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/union54", "api": "https://yc-oss.github.io/api/batches/summer-2021/union54.json" }, { "id": 24150, "name": "Hypercore", "slug": "hypercore", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b990f248fafbfb15158a00efa981170b5e2bad41.png", "website": "https://www.hypercore.ai/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Hypercore is a loan management software for small lenders. We help lenders automate workflows and provide them with real-time analytics and KPIs on their portfolios.\r\nSince June we are running paid pilots ($3.5K MRR), 1 LOI ($1.5K MRR). The founding team met while serving together as officers in technological units in the Israeli Defence Forces. We then established together a software development company specialized in fintech projects such as e-wallets and open-banking projects. That’s where we discovered how archaic are the tools lenders use that are ready for disruption.\r\nHypercore is building the tools for private lenders who currently do everything in Excel, culminating in a 'Nasdaq of private loan books' - utilizing the platform to securitize loan books.", "one_liner": "Loan management software for private lenders", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1628254783, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Israel", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/hypercore", "api": "https://yc-oss.github.io/api/batches/summer-2021/hypercore.json" }, { "id": 24157, "name": "Nexus", "slug": "nexus", "former_names": [ "Financial Choice" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e76d271d52208f7b3976f708e61bc7a0fee49d49.png", "website": "https://nexushq.com", "all_locations": "Mountain View, CA, USA; Remote", "long_description": "Nexus offers a unified checking and investment account. Your full balance is invested to get market returns, all while retaining instant access to cash even when the markets are closed. We are two ex-Googlers with CS PhDs from Stanford and the University of Washington who have worked together for 7 years.", "one_liner": "Nexus offers a unified checking and investment account.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1626285537, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nexus", "api": "https://yc-oss.github.io/api/batches/summer-2021/nexus.json" }, { "id": 24158, "name": "Forage", "slug": "forage-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23991b3eac1d06368b01c2f9ce5b893ba315f039.png", "website": "http://www.joinforage.com", "all_locations": "San Francisco, CA, USA", "long_description": "Forage is a mission-driven payments company that helps businesses accept government benefits through a single, unified API. Today, over 42 million Americans receive government assistance (ex: Supplemental Nutrition Assistance Program, or SNAP) to buy groceries. Starting with enabling EBT SNAP online, Forage builds the financial infrastructure empowering businesses to serve these shoppers online.", "one_liner": "Payments infrastructure for government benefits", "team_size": 66, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624983119, "tags": [ "Fintech", "GovTech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/forage-2", "api": "https://yc-oss.github.io/api/batches/summer-2021/forage-2.json" }, { "id": 24168, "name": "trii", "slug": "trii", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ea1172de26f49fc99e9067a628878010268cd4e.png", "website": "https://trii.co", "all_locations": "Miami, FL, USA", "long_description": "trii is a one stop solution that provides a local investing experience for retail investors in Latam. This setup, enhances the user's experience by providing a more secure and faster experience while remaining 100% compliant with local regulators. ", "one_liner": "One stop investment solution for retail investors in Latam", "team_size": 41, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1625072315, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/trii", "api": "https://yc-oss.github.io/api/batches/summer-2021/trii.json" }, { "id": 24177, "name": "HyperTrader", "slug": "hypertrader", "former_names": [ "HyperLinq Inc.", "HyperLinq", "HyperTrader (formerly HyperLinq)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fed32ab70a12bd36d21cdf1279b175682454ee3c.png", "website": "https://gethypertrader.com", "all_locations": "Austin, TX, USA; Remote", "long_description": "Unlock your trading superpowers wtih HyperTrader. As traders, we reimagined the ultimate trading experience for you. HyperTrader is fast, efficient, accurate, and secure.\r\n\r\n✔️ Streamline your workflow with fewer clicks.\r\n\r\n✔️ Speed up your trading with fast execution.\r\n\r\n✔️ Stay informed with real-time position updates.\r\n\r\n✔️ Trade safe with secure encryption.", "one_liner": "The Trading Terminal For Crypto Traders", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1626101759, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hypertrader", "api": "https://yc-oss.github.io/api/batches/summer-2021/hypertrader.json" }, { "id": 24194, "name": "Aqua", "slug": "aqua", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/55790b66a55aee54f67a7eb5bdc7202fe373d753.png", "website": "https://www.investwithaqua.com", "all_locations": "New York, NY, USA", "long_description": "One platform to put your alternative assets on autopilot. ", "one_liner": "The AI-Native Turnkey Alternative Investment Platform (TAIP)", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1629758458, "tags": [ "Fintech", "Finance", "Investing", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aqua", "api": "https://yc-oss.github.io/api/batches/summer-2021/aqua.json" }, { "id": 24237, "name": "Sproutfi", "slug": "sproutfi", "former_names": [ "Jump Invest", "Sprout" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ca5175ef8306416ab49073e12201559f42064d62.png", "website": "", "all_locations": "São Paulo, SP, Brazil", "long_description": "We're on a mission to make investing in the US markets accessible and fair to everyone in Latin America. Our social features make it seamless for investors to mingle, share investment ideas and learn from each other. We make it super easy to invest in thousands of US stocks & ETFs, with as little as a $1 USD, no account minimums, and no fees. \r\n\r\nOur team is composed of highly experienced builders hailing from Goldman Sachs, E*Trade Financial, Nubank, ING, Wise...\r\n\r\n", "one_liner": "Latin Americas' first investing social network. Learn. Share. Invest.", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1625602315, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sproutfi", "api": "https://yc-oss.github.io/api/batches/summer-2021/sproutfi.json" }, { "id": 24243, "name": "Repool", "slug": "repool", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0618fec03dde578a0b8fe023171828a11dd7a3e1.png", "website": "http://repool.com", "all_locations": "New York, NY, USA", "long_description": "Repool makes it easy to launch and operate private funds, like Carta or Juniper for hedge funds. We build modern back office software and services to modernize and simplify launch, fund administration, and LP onboarding.", "one_liner": "Modernizing hedge fund back office software and services.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1626706432, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/repool", "api": "https://yc-oss.github.io/api/batches/summer-2021/repool.json" }, { "id": 24244, "name": "Bree", "slug": "bree", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e2b8508bb1fae945934f1e926c40a84cd261322b.png", "website": "https://www.trybree.com/", "all_locations": "Vancouver, BC, Canada", "long_description": "Bree is building a challenger bank for the 11 million Canadians living paycheck to paycheck, starting with interest-free cash advances. We make money through tips and an optional, same-day express fee. By solving our customers' most urgent problem—illiquidity between paychecks —our cash advance business is a cheap, but profitable and repeatable hook that builds distribution for a broader challenger bank. This represents a $9 billion revenue opportunity in Canada.", "one_liner": "Chime for Canada, starting with cash advances", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1626365097, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bree", "api": "https://yc-oss.github.io/api/batches/summer-2021/bree.json" }, { "id": 24248, "name": "Monto", "slug": "monto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bcda4e271f62bbf00e0a61745ccf05e0607091c2.png", "website": "https://www.monto.mx/", "all_locations": "Monterrey, N.L., Mexico; Remote", "long_description": "Through our platform employees of our affiliated companies can access their earned wages on-demand for a low fixed fee. ", "one_liner": "Salary on-demand platform for Latin America", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1626359083, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/monto", "api": "https://yc-oss.github.io/api/batches/summer-2021/monto.json" }, { "id": 24251, "name": "Pideaky", "slug": "pideaky", "former_names": [ "ORCA Wireless S.A.P.I" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea6a449b48ce7b708258491acd97425dd01da55b.png", "website": "https://pideaky.com/en/", "all_locations": "Monterrey, N.L., Mexico", "long_description": "Pideaky helps offline LatAm SMBs manage and accelerate their cash flow through AI collection agents, which remind, collect, and negotiate bills on behalf of SMBS in Latam.\r\nWe focus on the massively underserved $70B/year customer segment as our wedge — Mexican corner shops and corner shop providers:", "one_liner": "We help offline LatAm SMBs manage and accelerate their cash-flow ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624598152, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pideaky", "api": "https://yc-oss.github.io/api/batches/summer-2021/pideaky.json" }, { "id": 24257, "name": "Covie", "slug": "covie", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cab875f3e2be4c71042986d743255262bdafeda3.png", "website": "https://www.covie.com", "all_locations": "Austin, TX, USA", "long_description": "Interacting with insurance across a variety of carriers should be undifferentiated heavy lifting - a piece of infrastructure like Stripe, Twilio, or AWS that \"just works\"in the background while your business focuses on what makes it different. We provide programmatic building blocks to make this a reality, putting a carrier-neutral API and tooling on top of insurance, starting with policy access (think Plaid, but for your insurance company) and monitoring.\r\n\r\nOur technology has a variety of use cases that range from insurance verification and tracking, financial advising, compliance & risk management, and marketing/distribution of insurance products.", "one_liner": "Programmatic building blocks for transacting with insurance", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1624498844, "tags": [ "Fintech", "Health Tech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/covie", "api": "https://yc-oss.github.io/api/batches/summer-2021/covie.json" }, { "id": 24266, "name": "Ivella", "slug": "ivella", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/900b1772e9f94bc70841de05a846c5f6285066e1.png", "website": "https://www.ivella.com/", "all_locations": "Santa Monica, CA, USA", "long_description": "Ivella builds banking and savings products that are designed for couples, no matter where they are in their relationship. Whether you've been dating for months are signing up for the The Split Account or have been married for decades and are signing up for The Joint Account and Savings Pods, we've got a product for you.", "one_liner": "Banking and savings products designed for couples", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624052615, "tags": [ "Banking as a Service", "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ivella", "api": "https://yc-oss.github.io/api/batches/summer-2021/ivella.json" }, { "id": 24269, "name": "Monet", "slug": "monet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9022bb07e07eed25b12e81e3b1bc070e64b2e31b.png", "website": "https://monet.com.co/", "all_locations": "Miami, FL, USA; Remote", "long_description": "Monet provides Instant cash-advances to employees in Latin America. We are a mobile app available to any employee with a recurring income and a bank account. \r\n", "one_liner": "Payroll-backed loans and cash advances in Latam", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1624636365, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/monet", "api": "https://yc-oss.github.io/api/batches/summer-2021/monet.json" }, { "id": 24329, "name": "inai", "slug": "inai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/da59c4349b82e705e29606d58cbb24dfe644ab79.png", "website": "https://www.inai.io", "all_locations": "London, United Kingdom; Delaware City, DE, USA; Remote", "long_description": "inai provides a single integration for global payments to help companies take digital payments across the globe. \r\n\r\nIts a single integration for a merchant that will provide connections to all payment gateways ( Stripe/ Adyen/ Braintree), wallets ( Paypal, Apple Pay, Google Pay) , BNPL providers ( Klarna / affirm / afterpay), fraud ( Sift , riskified etc). \r\n\r\nMerchants will have a no-code dashboard to customize the checkout by region ( Show Apple pay and stripe in US along with USD pricing but show Klarna, Google Pay and Sofort in Germany with pricing in Eur for e.g)\r\n\r\nMerchants can also easily switch between providers and your data stays with you on Inai rather than with PSP like stripe making switch to Adyen or Braintree easy.", "one_liner": "Segment for global payments", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626638856, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "United States of America", "Europe", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/inai", "api": "https://yc-oss.github.io/api/batches/summer-2021/inai.json" }, { "id": 24343, "name": "Apollo", "slug": "apollo-2", "former_names": [ "Five" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e07c36d3a9cd114a6e105e8b128004ab25b67d2f.png", "website": "https://www.withapollo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Apollo is a debit card that rewards you with stock. Every swipe earns guaranteed fractional shares plus a chance to win big with a full share of your favorite stocks. ", "one_liner": "The card that rewards you with stock ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1628225985, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/apollo-2", "api": "https://yc-oss.github.io/api/batches/summer-2021/apollo-2.json" }, { "id": 24347, "name": "Truss", "slug": "truss", "former_names": [ "MazumaGo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d3f982deac62cf40f505362f3a6405c4b5190460.png", "website": "https://trusspayments.com", "all_locations": "San Francisco, CA, USA", "long_description": "Truss is an all-in-one banking and payment automation platform for construction businesses. With Truss, construction companies can manage bill payments, receivables, and corporate cards in one place. They can save time on manual data entry by integrating Truss with their existing tools and automating the full billing cycle, from invoicing and reconciliation.", "one_liner": "Banking for construction", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1627059715, "tags": [ "Fintech", "Payments", "Construction" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/truss", "api": "https://yc-oss.github.io/api/batches/summer-2021/truss.json" }, { "id": 24349, "name": "Arrow", "slug": "arrow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b961a8c07c7968b9cb9e1c4af18ee0b3b43ac35.png", "website": "https://www.arrowcheckout.com/", "all_locations": "Singapore, Singapore", "long_description": "Arrow makes it easier and faster for sellers and shoppers to safely sell and buy online in Southeast Asia. It is first in Southeast Asia to provide brands a better, more profitable checkout experience for their shoppers. Arrow was created to partner with merchants to build consistent and seamless hyperlocal checkout experiences wherever their shoppers come across their brands. \r\n\r\nShoppers checkout securely with their preferred payment methods. They no longer have to set up new passwords, face multiple redirects or set up a new account every time they shop. Built specifically for Southeast Asia, Arrow works anywhere that shoppers prefer to shop from. Southeast Asian shoppers love the simple and hassle-free solution since almost everyone in this region shops on their mobile devices.\r\n\r\nWith Arrow, merchants sell more of what they are selling; and shoppers conveniently and easily checkout wherever they shop. ", "one_liner": "Modern Checkout Platform for D2C brands in Southeast Asia", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1628016021, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/arrow", "api": "https://yc-oss.github.io/api/batches/summer-2021/arrow.json" }, { "id": 24355, "name": "LootRush", "slug": "lootrush", "former_names": [ "Smelt", "Gemfy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e289a9031601f6402130b6a300f81b1926f4798b.png", "website": "https://www.lootrush.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The account designed to earn in one country, live in another, and access assets everywhere.", "one_liner": "The global operating account you truly deserve.", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1632868569, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lootrush", "api": "https://yc-oss.github.io/api/batches/summer-2021/lootrush.json" }, { "id": 24372, "name": "LemFi", "slug": "lemfi", "former_names": [ "Lemonade Technology Inc", "Lemonade Tech", "Lemonade Finance", "LemFi (Formerly Lemonade Finance)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd8ebdc83b1a3ba26ec46a9b2b53cac70a95a80.png", "website": "https://lemfi.com", "all_locations": "London, England, United Kingdom", "long_description": "LemFi makes everyday financial services fair, simple and accessible for people overlooked by traditional banks, starting with those who live and work across borders", "one_liner": "Fair, simple and accessible financial services", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1625501227, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lemfi", "api": "https://yc-oss.github.io/api/batches/summer-2021/lemfi.json" }, { "id": 24374, "name": "Coinrule", "slug": "coinrule", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/060a4532a28d07a4d01b23bad67a8ac803210fee.png", "website": "https://coinrule.com/", "all_locations": "London, England, United Kingdom", "long_description": "Coinrule Catches the Next Market Opportunity on Your Behalf by Automating Your Investments: Crypto, Stocks, ETFs.\r\nDocufilm: https://youtu.be/YitEyKmx8fg\r\nPrevious Crowdfunding: https://youtu.be/nnYJ4PnSvnU?si", "one_liner": "Coinrule Automates Your Crypto and Stock Investments", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1628767549, "tags": [ "Fintech", "Crypto / Web3", "Trading", "AI", "Stocks" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coinrule", "api": "https://yc-oss.github.io/api/batches/summer-2021/coinrule.json" }, { "id": 24461, "name": "Mine", "slug": "mine", "former_names": [ "ShoulderTap", "Fizz", "Mine (formerly Fizz)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d7a0d14910b74597e1e70723a08a579e8dafe145.png", "website": "https://usemine.com/", "all_locations": "New York, NY, USA", "long_description": "Mine is the personal finance app designed to help you get ahead.\r\n\r\nFounded on the idea that financial independence begins with ownership — of your money, your momentum, and your decisions.\r\n\r\nWe make the credit-builder thousands know and love, with budgeting and spend tracking features meant to help your money be the best version of itself. We’re also the makers of MoneyGPT, the money assistant that’s got your back.\r\n\r\nYoung people today are stepping into a financial world built for someone else’s life.\r\n\r\nWe give young adults the confidence and control to take charge of their financial journey with simple tools, smart guidance, and a system that works for the path you choose.\r\n\r\nLet’s build your future together. Get started at usemine.com\r\n\r\nBacked by Kleiner Perkins, SV Angel, Liquid 2 Ventures, and the founders of Handshake, Postmates, Public.com, Motive and many more.", "one_liner": "The AI personal finance company. ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1628179251, "tags": [ "Artificial Intelligence", "Fintech", "Consumer", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mine", "api": "https://yc-oss.github.io/api/batches/summer-2021/mine.json" }, { "id": 24479, "name": "Payhippo", "slug": "payhippo", "former_names": [ "PayHippo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "website": "https://payhippo.africa/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria; Remote", "long_description": "Payhippo provides loans to small businesses in Africa in under 3 hours.\r\n\r\nWe made $42k in revenue in Nigeria in July 2021, growing 25% m/m with a 97% repayment rate.", "one_liner": "Loans to Nigeria's SMEs in under 3 hours", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1627914233, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/payhippo", "api": "https://yc-oss.github.io/api/batches/summer-2021/payhippo.json" }, { "id": 24485, "name": "Cumbuca", "slug": "cumbuca", "former_names": [ "Comadre" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/77e60a49b6259a7c45a281590f221925fc32c563.png", "website": "https://www.cumbuca.com", "all_locations": "São Paulo, SP, Brazil", "long_description": "Cumbuca is an infratech bank for developers to build financial products with direct Central Bank connectivity. Instead of working around unreliable middleware, you get bare-metal access to Pix, payment initiation, and data APIs under our license, so you ship products faster and we handle the compliance. There's no vendor lock-in, and your service will never be disrupted by us. \r\n", "one_liner": "Bare-metal access to Brazil's Open Finance and Pix systems", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630087087, "tags": [ "Fintech", "B2B", "API", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cumbuca", "api": "https://yc-oss.github.io/api/batches/summer-2021/cumbuca.json" }, { "id": 24498, "name": "Levo", "slug": "levo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f51197cc0d17f50d8ca25715f7cf7f5e0c7a81b.png", "website": "https://www.levo.mx", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Levo is a regulated treasury management platform for startups and SMBs to optimize idle cash with tailor-made investment, cash management and working capital strategies ", "one_liner": "Treasury management platform for SMBs to optimize idle cash in Latam", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1625518405, "tags": [ "Fintech", "B2B", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/levo", "api": "https://yc-oss.github.io/api/batches/summer-2021/levo.json" }, { "id": 24530, "name": "Float", "slug": "float", "former_names": [ "Welcome Capital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3571cbf557f95515de9e1348c90d09a8554f9180.png", "website": "https://float.xyz", "all_locations": "Honolulu, HI, USA; Remote", "long_description": "Float is Pipe for supply chain finance. We help fast-growing consumer brands unlock capital from their inventory. We pay their supplier invoices up front and enable them to pay for their inventory after they’ve sold it.", "one_liner": "Supply chain finance for consumer brands", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630167397, "tags": [ "Fintech", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/float", "api": "https://yc-oss.github.io/api/batches/summer-2021/float.json" }, { "id": 24539, "name": "HitPay", "slug": "hitpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4b949ac3131bfb2ed68d424a5df1c9a1eea5c64.png", "website": "https://www.hitpayapp.com", "all_locations": "Singapore, Singapore", "long_description": "HitPay is a full stack payments infrastructure platform designed for growing businesses in APAC. Founded in 2016 and headquartered in Singapore, HitPay unifies e-commerce, point of sale, and B2B payments into a single platform. The company is regulated in 6 APAC jurisdictions and backed by leading global investors, including Tiger Global, Y Combinator, Global Founders Capital, and HOF Capital.", "one_liner": "Payments infrastructure for businesses scaling in APAC", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1627395951, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hitpay", "api": "https://yc-oss.github.io/api/batches/summer-2021/hitpay.json" }, { "id": 24540, "name": "Floatpays Inc", "slug": "floatpays-inc", "former_names": [ "FloatPays (Pty) Ltd", "FloatPays" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9958a79bc44f22b3d870acdfd34254ea08e9945f.png", "website": "https://www.floatpays.com", "all_locations": "Cape Town, WC, South Africa; Remote", "long_description": "Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money.\r\n\r\nThe problem we are solving is that more than 75% of the 12 million employed South African’s run out of money before the end of the month, 52% of those end up borrowing money to survive. Informal lending is the only option for most borrowers, with interest rates anywhere between 30-50%. The story is the same in most African countries where payday/micro-lending has become the norm amongst lower-income earners.\r\n\r\nOur app features include financial education, a budget planning tool, cash access, and voucher purchases all from wages earned but unpaid. We are currently working on a savings product to promote long-term financial resilience.\r\n\t\r\nWe launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.", "one_liner": "On-demand wage access service built for the African market", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1624454735, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "South Africa", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/floatpays-inc", "api": "https://yc-oss.github.io/api/batches/summer-2021/floatpays-inc.json" }, { "id": 24557, "name": "Dots 💸", "slug": "dots-2", "former_names": [ "Dots", "Dots" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ef214a749c163e81772f2ba192fdf4eeec23bbb3.png", "website": "https://usedots.com", "all_locations": "San Francisco, CA, USA", "long_description": "Dots is a developer-friendly API that lets businesses pay their contractors through just a few lines of code. Whether its gig workers like Uber drivers, sellers on marketplaces like Etsy, or simply your local handyman - Dots’ abstracts away the complexity of payouts completely. We manage the entire process: information collection (KYC), payments through any rail (ACH, Venmo, CashApp, Zelle, international, and many more to come), and even filing tax forms! Dots lets developers get payouts up and running over just a few hours, rather than the many months this would normally take.", "one_liner": "Developer friendly drop in payouts infrastructure", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624985636, "tags": [ "Fintech", "Payments", "API", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/dots-2", "api": "https://yc-oss.github.io/api/batches/summer-2021/dots-2.json" }, { "id": 24572, "name": "Infina", "slug": "infina", "former_names": [ "Real Stake Pte. Ltd. (product: Infina)", "Infina.vn" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/68cc6dc1003fcb9d0080d35b246bac60e1063ac3.png", "website": "http://infina.vn", "all_locations": "Ho Chi Minh City, Ho Chi Minh City, Vietnam; Ho Chi Minh City, Vietnam", "long_description": "Infina is Vietnam's leading wealth management and investing platform (like Groww of Inida and Ajaib of Indonesia). Its mission is to empower retail investors by make investing accessible, frictionless, and safe. The platform is multi-asset, offering stock trading, mutual funds, and fixed-income products, with more asset classes to be added.\r\n\r\nInfina was founded by James L. Vuong, a Silicon Valley engineer turned VC investor (IDG Ventures) and serial entrepreneur with a prior successful exit in Vietnam (Reddit of Vietnam, which was acquired by LINE corporation in 2017).\r\n\r\nInvesting apps are seeing explosive growth in many markets around the world, including in Vietnam. There is a growing middle class who are hungry to invest in assets like stocks and crypto. We are building Infina to capture this huge opportunity to democratize investing in South East Asia.", "one_liner": "Leading wealth management and investing platform in Vietnam", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1629587523, "tags": [ "Fintech", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Vietnam", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/infina", "api": "https://yc-oss.github.io/api/batches/summer-2021/infina.json" }, { "id": 24579, "name": "Nomod", "slug": "nomod", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aba4a500ebbd7dab967966a95081aeb905413031.png", "website": "https://nomod.com", "all_locations": "Dubai, Dubai, United Arab Emirates; Remote", "long_description": "Nomod is the UAE’s leading payments platform for small businesses — powering 55,000+ merchants, and processing $500M+ in annualised TPV", "one_liner": "The UAE’s leading small business payments platform", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625557737, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nomod", "api": "https://yc-oss.github.io/api/batches/summer-2021/nomod.json" }, { "id": 24587, "name": "Aer", "slug": "aer", "former_names": [ "Argus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e2cb473ed161535672dc3db487d2e70dec2a74ec.png", "website": "https://www.aercompliance.com/", "all_locations": "New York, NY, USA", "long_description": "Aer Compliance is Rippling for compliance, combining Code of Ethics, marketing, calendars, filings, workflows, and more in a single place.", "one_liner": "Compound compliance: the central hub for meeting SEC obligations ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1627992245, "tags": [ "Fintech", "B2B", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aer", "api": "https://yc-oss.github.io/api/batches/summer-2021/aer.json" }, { "id": 24599, "name": "Female Invest", "slug": "female-invest", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9120bf40d350ef0147aeb88f652982316cc528fb.png", "website": "https://www.femaleinvest.com/", "all_locations": "Copenhagen, Denmark", "long_description": "", "one_liner": "Female Invest is a social e-learning app for finance and investing ", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1624107533, "tags": [ "Fintech", "eLearning", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Denmark", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/female-invest", "api": "https://yc-oss.github.io/api/batches/summer-2021/female-invest.json" }, { "id": 24600, "name": "Algofi", "slug": "algofi", "former_names": [ "ChainVault" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a7d7336636076f27ab8ae26ae0336ab292474653.png", "website": "https://algofi.org", "all_locations": "", "long_description": "At Algofi, we're building the new financial system. Our work will reduce barriers to entry and promote democracy in the financial system.", "one_liner": "Building the new financial system", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1627454259, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/algofi", "api": "https://yc-oss.github.io/api/batches/summer-2021/algofi.json" }, { "id": 24602, "name": "PAYZE", "slug": "payze", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f32ab751ba341ddd9dc30a7e95e2b50fdea2b0b8.png", "website": "https://payze.io/", "all_locations": "Tbilisi, Tbilisi, Georgia; Tbilisi, Georgia", "long_description": "Innovator of online transactions, helping businesses in former soviet union countries to accept payments from around the world through a single integration. \r\n", "one_liner": "Stripe for former Soviet Union countries", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626372601, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Georgia", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/payze", "api": "https://yc-oss.github.io/api/batches/summer-2021/payze.json" }, { "id": 24624, "name": "Luable", "slug": "luable", "former_names": [ "MejorCDT" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c42ad71bbcf1290c38748fcf6ea3b7ed36c0f669.png", "website": "https://mejorcdt.com/", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Luable is an Bank Deposits Marketplace in Latin America where Banks can get faster and cheaper funding from Retail users compared to opening traditional branch offices or hiring more Sales Representatives.\r\n\r\nLuable's Marketplace features all banks in one place so retail users can choose for their best needs, and enables upcoming banks to provide a full digital experience with no fixed costs. \r\n\r\nSince Launching in 2021, Luable has processed over USD $30M in deposits for many banks and its currently expanding its operations from Colombia to Mexico and the Caribbean. ", "one_liner": "Latin America's Deposits Marketplace for Banks", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1630095509, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/luable", "api": "https://yc-oss.github.io/api/batches/summer-2021/luable.json" }, { "id": 24640, "name": "Malga", "slug": "malga", "former_names": [ "Plug" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bf80258b38552f28c03c1373b8c641819abe5f97.png", "website": "https://malga.io/", "all_locations": "Rio de Janeiro, RJ, Brazil", "long_description": "Malga gives digital businesses access to multiple payments services through a single integration, and the ability to change between them on a transaction to transaction basis without writing code. \r\n", "one_liner": "Malga is an API to accept payments with multiple payment providers", "team_size": 46, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626365589, "tags": [ "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/malga", "api": "https://yc-oss.github.io/api/batches/summer-2021/malga.json" }, { "id": 24666, "name": "Baubap", "slug": "baubap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b8f09f3d507f587a964edfec2e799e29ee3b8d5.png", "website": "https://www.baubap.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Baubap is LatinAmerica's firts AI-powered, credit-focused bank. Today we're the leading AI lending app in Mexico", "one_liner": "Smart micro financing for everyone", "team_size": 150, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1625680094, "tags": [ "Machine Learning", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/baubap", "api": "https://yc-oss.github.io/api/batches/summer-2021/baubap.json" }, { "id": 24681, "name": "Verde", "slug": "verde", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f6787a334a02661832a554e3902839e2550b8d7.png", "website": "https://www.verde.agr.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "Verde is a lending platform that offers fast loans to small-and-medium sized farmers in Brazil. Our vertical software allows independent ag loan advisors to originate loans digitally and manage their operations more effectively.", "one_liner": "Digital lending platform for Brazilian farmers", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626699987, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/verde", "api": "https://yc-oss.github.io/api/batches/summer-2021/verde.json" }, { "id": 24685, "name": "Abhi", "slug": "abhi", "former_names": [ "Abhi Finance" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c082c73a45600373e3b41285064f23805d9ab93a.png", "website": "https://abhi.com.pk/", "all_locations": "Sindh, Pakistan", "long_description": "An early wage access platform allowing salaried employees to draw down a percentage of their accrued salary before the next payroll cycle. Helping employees to avoid late payment fee on bills, access emergency cash and substitute expensive debt. We work on a B2B2C model allowing companies to extend the product as a benefits program to their employee base.", "one_liner": "Abhi is Pakistan's 1st financial wellness platform focusing on…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626433454, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/abhi", "api": "https://yc-oss.github.io/api/batches/summer-2021/abhi.json" }, { "id": 24686, "name": "Suplias", "slug": "suplias", "former_names": [ "Suplias Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/001394843368de730075cbf6fb2ac288b814ba15.png", "website": "https://suplias.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Suplias helps FMCG manufacturers in Africa receive payments and finance inventory purchases of their distributors using a mobile app called Obtainly.\r\n\r\nWe launched in Nigeria, where we have been growing revenue by 32% month over month for the last 11 months\r\n\r\nOur founding team has a combined 25+ years of experience in supply chain and ecommerce having worked for Procter & Gamble, Pepsi Co, Gap and Jumia, the #1 ecommerce company in Africa.", "one_liner": "We enable FMCG distributors in Africa buy inventory on credit", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1625063921, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/suplias", "api": "https://yc-oss.github.io/api/batches/summer-2021/suplias.json" }, { "id": 24883, "name": "Amenli", "slug": "amenli", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/53c970feefecc4548819134d71b1abd7ba9457bc.png", "website": "https://www.amenli.com/", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "Amenli is the first licensed online insurance broker in Egypt. Egypt has one of the lowest insurance penetrations in the world with a 100m population and a $2B GWP market growing 20+% YoY and a potential TAM of $10B. Over the past few months, Amenli issued 500+ policies in less than 10 mins compared to the minimum of 3 weeks industry standard. Amenli co-founders, Shady & Adham were founding team members of Paymob, one of the fastest growing payment companies in MENA. Shady was CCO and Adham was its Tech Lead and they worked together for more than 3 years to scale-up Paymob from scratch to 50K+ merchants, 5 countries and dozens of millions of monthly transactions.", "one_liner": "Offers insurance to customers in a convenient & transparent way ", "team_size": 65, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1625593064, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Egypt", "Middle East and North Africa" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/amenli", "api": "https://yc-oss.github.io/api/batches/summer-2021/amenli.json" }, { "id": 24934, "name": "JABU", "slug": "jabu", "former_names": [ "JABU Logistics Inc", "JABU Logistics" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56e09091afb3367f2addeb05b958e4146172ceb8.png", "website": "http://www.gojabu.com", "all_locations": "Windhoek, Khomas Region, Namibia", "long_description": "HQ in Namibia and Zambia, Jabu is a fintech startup providing digital wallet solutions to streamline transactions in Africa's cash-dominated economy, enhancing business efficiency and financial integration.", "one_liner": "B2B payments, transforming Africa's cash economy", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1641456087, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Namibia", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/jabu", "api": "https://yc-oss.github.io/api/batches/summer-2021/jabu.json" }, { "id": 25106, "name": "Apollo", "slug": "apollo-3", "former_names": [ "Yodaa.club", "TBA", "Yodaa", "Yodaa BizFirst", "Yodaa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ea4e2897740aa14e96c42667cc3be13a0f2c9e8.png", "website": "https://www.apollofirst.xyz/", "all_locations": "Bengaluru, KA, India", "long_description": "", "one_liner": " Payments & Loyalty Infrastructure ", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647271982, "tags": [ "DeFi", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/apollo-3", "api": "https://yc-oss.github.io/api/batches/winter-2022/apollo-3.json" }, { "id": 25118, "name": "Arc", "slug": "arc-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "website": "https://www.joinarc.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services – all in one unified platform.\r\n\r\nFounded in 2021, Arc has headquarters in San Francisco and New York City and is backed by investors including Left Lane Capital, NFX, Bain Capital Ventures, Atalaya, Clocktower Technology Ventures, Torch Capital, and Y Combinator. To learn more, visit www.joinarc.com.\r\n\r\nArc is a financial technology company, not a bank. For important information about Arc, see our general disclosures: https://www.joinarc.com/general-disclosures", "one_liner": "Banking & Funding for Startups", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642185516, "tags": [ "Banking as a Service", "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/arc-2", "api": "https://yc-oss.github.io/api/batches/winter-2022/arc-2.json" }, { "id": 25120, "name": "Elevate (formerly Bloom)", "slug": "elevate", "former_names": [ "East Africa Financial Technologies Inc (Brand name: Bloom).", "EAFT (Brand name: Bloom).", "EAFT (Bloom)", "Bloom", "bloom", "Bloom" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc3d0ef28fa8806d45415f17c3713cfab0728c8a.png", "website": "https://www.elevatepay.co", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.", "one_liner": "US based USD accounts for non-US residents ", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1646751404, "tags": [ "Fintech", "Payments", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/elevate", "api": "https://yc-oss.github.io/api/batches/winter-2022/elevate.json" }, { "id": 25304, "name": "Kapital Bank", "slug": "kapital-bank", "former_names": [ "Kapital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e7631cd35e1333e5d0030032021c458ed7fc190.png", "website": "https://www.kapital.mx", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Cash management solution that offers debit & credit solutions for SMBs in LATAM. \r\n- 24/ Multi-treasury: multiple debit accounts, payroll & services payment, wires\r\n- Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses\r\n- Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments. ", "one_liner": "Data driven neobank for SMBs in LATAM", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642007431, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kapital-bank", "api": "https://yc-oss.github.io/api/batches/winter-2022/kapital-bank.json" }, { "id": 25305, "name": "Railbird", "slug": "railbird", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5e6d4ea5d981a729d0ce6ebe8a84504111445b16.png", "website": "https://www.railbirdexchange.com/", "all_locations": "New York, NY, USA", "long_description": "At Railbird, we are building a prediction market exchange designed to hedge and mitigate risk for the services sector. The Railbird team has years of experience analyzing companies in the service sector and has seen firsthand how little opportunity there is to hedge risk in volatile markets like hospitality, tourism, recreation, entertainment, and sports. The platform is designed to be open to all traders.", "one_liner": "A futures market for events.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1645141573, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/railbird", "api": "https://yc-oss.github.io/api/batches/winter-2022/railbird.json" }, { "id": 25309, "name": "PolicyFly", "slug": "policyfly", "former_names": [ "PolicyFly", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7570941b976b7bc56ac23e694bcfe99476db2d2d.png", "website": "https://www.policyfly.com", "all_locations": "New York, NY, USA; Remote", "long_description": "PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks.\r\n\r\nEvery year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. \r\n\r\nWe bring growth, efficiency and transparency to otherwise hard to insure markets.", "one_liner": "Modernizing Specialty Insurance", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1648055687, "tags": [ "Marketplace", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/policyfly", "api": "https://yc-oss.github.io/api/batches/winter-2022/policyfly.json" }, { "id": 25315, "name": "Rebill", "slug": "rebill", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.png", "website": "https://www.rebill.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Rebill helps global companies process payments, payouts, and financial operations in LATAM and the US without local entities.\r\n‍\r\nWith one integration, companies can accept payments, subscriptions, and installments across markets without setting up fragmented payment stacks country by country. Rebill combines local acquiring, 100+ payment methods, smart routing, retries, recovery, unified settlement, and a developer-first product in one platform.\r\n\r\nWe help merchants launch faster, increase conversion, and operate across underserved markets with the simplicity global companies expect.", "one_liner": "Global payments infrastructure in LATAM and US", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1645553649, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/rebill", "api": "https://yc-oss.github.io/api/batches/winter-2022/rebill.json" }, { "id": 25317, "name": "Peakflo", "slug": "peakflo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f59b4fa6c1b83c6d1b9ccf4e02733f3f60a7a727.png", "website": "https://peakflo.co", "all_locations": "Singapore, Singapore", "long_description": "Peakflo, with its Agentic Workflows and one-click ERP integrations, helps finance teams eliminate manual work across the entire invoice-to-cash, procure-to-pay, travel and expense reimbursement, and operations. 100+ businesses—from scale-ups to enterprises, use Peakflo each to:\r\n\r\n✅ Save 1000 man-hours/month on finance ops\r\n✅ Get paid faster on customer invoices by 15-25 days\r\n✅ Cut vendor bill payment time by 50%\r\n✅ Automate three-way matching", "one_liner": "Agentic workflows that automate your back‑office operations", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644787148, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/peakflo", "api": "https://yc-oss.github.io/api/batches/winter-2022/peakflo.json" }, { "id": 25319, "name": "Samos Insurance", "slug": "samos-insurance", "former_names": [ "Five1Nine" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b821add4b6477d2d702a875b345acf3070b04b8.png", "website": "https://www.samos.insure", "all_locations": "Kitchener, ON, Canada", "long_description": "Samos sells accidental death insurance for individuals undergoing surgery. Just like travel insurance but covering a hospital stay.", "one_liner": "Accidental Death Insurance for Surgery ", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1647802116, "tags": [ "Fintech", "Consumer Health Services", "Health Tech", "Healthcare", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/samos-insurance", "api": "https://yc-oss.github.io/api/batches/winter-2022/samos-insurance.json" }, { "id": 25322, "name": "VantedgeAI", "slug": "vantedgeai", "former_names": [ "8vdx", "8vdX", "8vdx", "VentedgeAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/12fd444a2c7a34b121c256f9259458e601b0351a.png", "website": "https://www.vantedgeai.com/", "all_locations": "Norwalk, CT, USA", "long_description": "The goal of Vantedge AI, formerly known as 8vdx, is to provide an Agent Marketplace of curated agents to enable investors to get an investing edge to generate alpha by leveraging AI. Our insight to build this marketplace comes from our experience from running a credit hedge fund for 15 years and as a Y Combinator backed startup, we understand the complexities of AI and are here to offer a complete infrastructure to funds and startups alike.\r\nOur platform is built to serve the investment community with the highest security, compliance, and infrastructure tailored for institutional investors.", "one_liner": "Scaling investing workflows with AI", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1641821942, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "Workflow Automation", "Analytics" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/vantedgeai", "api": "https://yc-oss.github.io/api/batches/winter-2022/vantedgeai.json" }, { "id": 25328, "name": "Momento", "slug": "momento", "former_names": [ "momento" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/38d68fb5813f3fe9c931fd72dc47dbabdd81f6fb.png", "website": "https://www.tumomento.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "In Momento we are going through a challenging regulatory process to become a fully-licensed insurance carrier. By doing so, we will be able to underwrite risk, set prices and, ultimately, become owners of the product.\r\n\r\nOnce approved, around summer 22, we will be in a great position to size the $13bn untapped opportunity of +30 Mn uninsured vehicles – just in Mexico! As we will be able to attack the main pain points in the market: i) antiquated underwriting models and ii) payment conditions only adapted for the affluent.\r\n\r\nTo succeed, we have assembled an elite team with both innovative and experienced profiles. We are three cofounders, two ex-McKinsey and one ex-P&G, and we managed to attract two heavyweights of the Mexican insurance industry: the previous CUO of Zurich Mexico and the previous CFO and VP of Finance of ING and AXA Mexico. ", "one_liner": "Building a full-stack auto insurer for the underserved in LatAm", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1648222923, "tags": [ "Fintech", "Machine Learning", "Consumer", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/momento", "api": "https://yc-oss.github.io/api/batches/winter-2022/momento.json" }, { "id": 25341, "name": "Wagetap", "slug": "wagetap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "website": "https://www.wagetap.com/", "all_locations": "Sydney, NSW, Australia", "long_description": "Wagetap is a mobile app that allows users to get an advance of up to $2,000 on their next payday and pay their bills in more manageable installments. Wagetap's vision is to offer a suite of financial products to become the financial partner for everyday people.", "one_liner": "Advance next payday, and BNPL for bills", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1644461225, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Australia", "Oceania", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/wagetap", "api": "https://yc-oss.github.io/api/batches/winter-2022/wagetap.json" }, { "id": 25346, "name": "Transfez", "slug": "transfez", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf4bb6093a727267a92cc70e9bafd5dd3bde3b1a.png", "website": "https://www.itsjack.com", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "", "one_liner": "Brex for small businesses in Indonesia ", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1647229092, "tags": [ "Fintech", "SaaS", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/transfez", "api": "https://yc-oss.github.io/api/batches/winter-2022/transfez.json" }, { "id": 25347, "name": "Perl Street", "slug": "perl-street", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd93730152604090f6350bbed20c2839aa07c76a.png", "website": "https://perlstreet.com/", "all_locations": "Austin, TX, USA; Remote", "long_description": "Perl Street is democratizing structured finance through our platform, unlocking billions in financing for sustainable infrastructure and next-generation hardware technologies. \r\n\r\nPerl Street has already helped multiple hardware startups receive over $140M in debt financing offers from some of the world’s most reputable institutions.\r\n\r\nClimate change is a massive hardware problem. According to IEA estimates - reaching net zero emissions would require over $4 trillion per year in global clean energy investment. \r\n\r\nThis means we need to upgrade nearly everything with new hardware - from energy storage devices to electric vehicles, charging stations and building electrification. \r\n\r\nThe future of infrastructure is both distributed and resilient. And none of it is possible without financing new hardware.", "one_liner": "Financing the next-generation of infrastructure projects", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1643268795, "tags": [ "Climate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/perl-street", "api": "https://yc-oss.github.io/api/batches/winter-2022/perl-street.json" }, { "id": 25348, "name": "Sei AI", "slug": "sei-ai", "former_names": [ "Arda", "Sei" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/866cec0759154ee708c6b843e16d3f00f9d773be.png", "website": "https://seiright.com/", "all_locations": "New York, NY, USA", "long_description": "Sei is an AI platform for mortgage lenders, servicers & banks. We're already live with banks, and top IMBs.", "one_liner": "AI Operations Partner for Mortgage & Banking", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1646055749, "tags": [ "Artificial Intelligence", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sei-ai", "api": "https://yc-oss.github.io/api/batches/winter-2022/sei-ai.json" }, { "id": 25394, "name": "Harmoney", "slug": "harmoney", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ca23fbe179b9d869adbd001cf7a397b7153bf4d.png", "website": "https://www.harmoney.in/", "all_locations": "MH, India", "long_description": "Harmoney is an agentic AI solution for fixed income research, portfolio optimization, and credit analysis for buy-side and wealth managers. We not only make financial analysis faster and cost-effective but also unlock things that could not be done manually before.", "one_liner": "Agentic AI solution for fixed income, credit and portfolio analysis", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1645537602, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Enterprise Software", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/harmoney", "api": "https://yc-oss.github.io/api/batches/winter-2022/harmoney.json" }, { "id": 25401, "name": "Onyx Private", "slug": "onyx-private", "former_names": [ "Onyx Card" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2fbe8c7045dae33304d548585ce6f327970f8299.png", "website": "https://www.onyxprivate.com", "all_locations": "Miami, FL, USA", "long_description": "Onyx is a modern, accessible private bank for the next generation of affluent young professionals. We offer a unified digital-native premium banking and wealth management experience tailored for the overlooked groups of young high-earners and illiquid entrepreneurs, investors, and tech employees. Onyx aims to be the next-generation UBS. ", "one_liner": "A modern and more accessible private bank for the new generation ", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1646242797, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/onyx-private", "api": "https://yc-oss.github.io/api/batches/winter-2022/onyx-private.json" }, { "id": 25403, "name": "Aspora", "slug": "aspora", "former_names": [ "Nesse LLC", "Nesse", "Vance", "Nesse", "Vance" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fbe4d28604f468a7e3489896fa7df64038a7987a.png", "website": "https://aspora.com", "all_locations": "London, England, United Kingdom", "long_description": "Aspora is a Global Neobank that lets you make international payments at live google rates, avail credit in new countries, and invest around the world. We are building a bank that is not bound by borders.", "one_liner": "Single account to manage money across the world", "team_size": 85, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1648226260, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aspora", "api": "https://yc-oss.github.io/api/batches/winter-2022/aspora.json" }, { "id": 25444, "name": "Touch and Pay Technologies Limited", "slug": "touch-and-pay-technologies-limited", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f64b367d90d1c85b406160b1ee725d340e272ae.png", "website": "https://touchandpay.me/", "all_locations": "Lagos, LA, Nigeria", "long_description": "We process cash-based microtransactions across Africa's informal sector, an example of microtransaction is payment for bus rides today we help over 300k people make this payment.", "one_liner": "Digitizing and processing Microtransactions in Africa", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1642780792, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/touch-and-pay-technologies-limited", "api": "https://yc-oss.github.io/api/batches/winter-2022/touch-and-pay-technologies-limited.json" }, { "id": 25475, "name": "Orca", "slug": "orca", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1c5a065b7a7c24ba9fe5e863ad9867245d795343.png", "website": "https://orca.fyi/", "all_locations": "San Francisco, CA, USA; Austin, TX, USA", "long_description": "Orca is banking built for Gen Z from the ground up. Send money instantly, split bills with groups, access local discounts and perks, spend and save, and do everything else you could ever ask on Orca — the only financial hub you'll ever need. ", "one_liner": "Banking for Gen Z, on steroids.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647816833, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/orca", "api": "https://yc-oss.github.io/api/batches/winter-2022/orca.json" }, { "id": 25513, "name": "Valari", "slug": "valari", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cf15b2614d9edde0b8a838c17ad93d43e934e83.png", "website": "http://valari.co", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "At Valari, we are on a mission to democratize access to financial services in LatAm, by allowing any company to launch fintech products and services. \r\n\r\nWith our simple APIs, tech companies can easily embed a financial product in their platforms.\r\n", "one_liner": "Embedded finance platform for LatAm.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1645992752, "tags": [ "Banking as a Service", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/valari", "api": "https://yc-oss.github.io/api/batches/winter-2022/valari.json" }, { "id": 25515, "name": "Whiz", "slug": "whiz", "former_names": [ "Rocket Pocket" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b558731717f275fda1e0113ad54aa54d77d8cd3e.png", "website": "https://whiz.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). Join us on this journey toward financial empowerment.", "one_liner": "Transforming Finances, Maximizing Your Money Potential.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1648033315, "tags": [ "Fintech", "Payments", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/whiz", "api": "https://yc-oss.github.io/api/batches/winter-2022/whiz.json" }, { "id": 25516, "name": "Emigre", "slug": "emigre", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1453dc70d000f1e48c26c218054c1803904e2541.png", "website": "http://www.emigre.us/", "all_locations": "Palo Alto, CA, USA", "long_description": "Emigre is the fastest and the only end-to-end digital Indian banking solution for Indian expats (Non-Resident Indians) so they can support their families back home, shop on Indian websites, and invest in Indian stocks and real estate.", "one_liner": "Banking in India for Indian expats (NRIs)", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1647011570, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/emigre", "api": "https://yc-oss.github.io/api/batches/winter-2022/emigre.json" }, { "id": 25517, "name": "UpBanx", "slug": "upbanx", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b81503bc6d67c29826f3b2834f6388615f47e681.png", "website": "http://UpBanx.com", "all_locations": "Jakarta, Jakarta, Indonesia; Remote", "long_description": "UpBanx is Brex for D2C brands and content creators in Indonesia. We help our customers open a high-yield business account, get financing, manage transactions, and launch Web3 projects, all in one place. There are over 700k D2C brands and content creators in Indonesia. If we serve all of them, that is a $14b/year market opportunity.\r\n\r\nWe've raised $5.6m so far from investors like Y Combinator, Alpha JWC, Alto Partners, CreditEase, Oliver Jung and lndonesia's biggest influencer Raffi Ahmad who has over 100m followers on social. We have also raised from 6 other Y Combinator founders. We are open to working with more investors that can bring strategic value to our long-term roadmap.", "one_liner": "Brex for D2C Brands and Content Creators in Indonesia", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640997950, "tags": [ "Fintech", "Marketplace", "Crypto / Web3", "Creator Economy" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/upbanx", "api": "https://yc-oss.github.io/api/batches/winter-2022/upbanx.json" }, { "id": 25528, "name": "Lenk", "slug": "lenk", "former_names": [ "Philippo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/521906247661c9b6885a472a838b9b9002c0f8c4.png", "website": "https://getlenk.com/", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Remote", "long_description": "Lenk empowers financial institutions in Latin America with advanced loan origination solutions.\r\n\r\nOur platform optimizes the entire loan lifecycle, from lead acquisition to disbursement, leveraging automation and AI to enhance efficiency and improve digital experiences.\r\n\r\nLenk enables institutions to streamline complex tasks, ensuring compliance and agility while boosting productivity and customer satisfaction.", "one_liner": "The next-gen lending platform for the banking system in LATAM.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1641399845, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Chile", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lenk", "api": "https://yc-oss.github.io/api/batches/winter-2022/lenk.json" }, { "id": 25532, "name": "Fintelite", "slug": "fintelite", "former_names": [ "Sribuu" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab01da231dd5c6a43a0a49fe4617d17070096fd0.png", "website": "http://www.fintelite.ai", "all_locations": "Singapore, Singapore; Remote", "long_description": "Fintelite's AI streamlines loan approvals and fraud detection, ensuring swift, accurate decisions.\r\n\r\nRevolutionizing lending with AI-powered bank statement analysis and transaction data enrichment.\r\n\r\nFintelite empowers lenders with a next-generation approach to lending. Our AI platform utilizes:\r\n\r\nBank statement analysis: Gain deep insights into borrower financials through automated analysis.\r\nTransaction data enrichment: Extract valuable details from transactions for a holistic financial picture.\r\nThese capabilities enable lenders to:\r\n\r\nReduce fraud: Identify and prevent suspicious activity with superior accuracy.\r\nAccelerate approvals: Make faster, data-driven decisions with enriched information.\r\nOptimize risk management: Tailor risk assessments based on comprehensive borrower data.\r\nPassionate about building a future of responsible AI in financial services. I'm committed to helping lenders serve customers efficiently and securely.\r\n\r\n\r\nOur help to others includes:\r\n• BlubyBCA and ANZ increased efficiency by 15%\r\n• Qazwa and KoinWorks sped up loan processing 10x, cutting costs by 25%\r\n", "one_liner": "Intelligent Process Automation for Lending.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641201791, "tags": [ "Artificial Intelligence", "Fintech", "Machine Learning", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fintelite", "api": "https://yc-oss.github.io/api/batches/winter-2022/fintelite.json" }, { "id": 25559, "name": "Creizer", "slug": "creizer", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "website": "https://www.creizer.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers.\r\n\r\nMore than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region.\r\n \r\nAt Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales.\r\n \r\nWe are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.\r\n", "one_liner": "Clear.co for LATAM. Revenue based financing for online sellers.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1645548350, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/creizer", "api": "https://yc-oss.github.io/api/batches/winter-2022/creizer.json" }, { "id": 25560, "name": "Stock Unlock", "slug": "stock-unlock", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2064f4dcf2a95d814cac2fbfbdedfcd7ef27b92.png", "website": "https://stockunlock.com/", "all_locations": "New York, NY, USA; Remote", "long_description": "Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros.\r\n\r\nWe are building THE place for investors to learn, grow, and invest confidently.", "one_liner": "Web-app | investment education and analysis tools for retail investors", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642088638, "tags": [ "Fintech", "SaaS", "Finance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stock-unlock", "api": "https://yc-oss.github.io/api/batches/winter-2022/stock-unlock.json" }, { "id": 25569, "name": "Bifrost", "slug": "bifrost", "former_names": [ "Hapi Finance", "Mysterious.IO", "Mysterious" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b47da1b763d2eab543c7295fad8d3fdfe9a6ceeb.png", "website": "https://www.hapi.finance/", "all_locations": "San Francisco, CA, USA", "long_description": "We write smart contracts that can automatically transfer assets during end-of-life events.\r\nWhen you hold your own keys to your own wallet, your funds are lost in worst-case-scenarios. We make an on-chain dead-mans-switch to help your loved ones claim your holdings.", "one_liner": "Wills and Estate Management for Crypto", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1647374552, "tags": [ "Crypto / Web3", "Finance", "Cryptography" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bifrost", "api": "https://yc-oss.github.io/api/batches/winter-2022/bifrost.json" }, { "id": 25584, "name": "SnapTrade", "slug": "snaptrade", "former_names": [ "Passiv" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b0254a9a5db6150bdd38c4f4f6c5e4e98ac8c8e.png", "website": "https://snaptrade.com/", "all_locations": "Fredericton, NB, Canada", "long_description": "SnapTrade is an API to connect retail brokerage accounts to any fintech app. We enable API access to real-time account data, historical transactions, and trading. This makes it possible to build new investing experiences with existing brokerage accounts, so users don't need to transfer and it's easier to get started.", "one_liner": "Plaid for trading", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643916978, "tags": [ "Developer Tools", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/snaptrade", "api": "https://yc-oss.github.io/api/batches/winter-2022/snaptrade.json" }, { "id": 25586, "name": "Soon", "slug": "soon", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a99a7aeaa35a5697746a00619ab31de16eaa1ada.png", "website": "https://Soon.app", "all_locations": "Salt Lake City, UT, USA; Remote", "long_description": "With Soon you can invest without the stress of speculating. Our fully automated sweep account attaches to your bank and uses routine spending activity to signal market trades.\r\nBy investing on a schedule and selling available gains when you spend, Soon automates investing from beginning to end. No investing experience required, no need to time the market, just connect Soon to your spending account and build wealth.", "one_liner": "Automated sweep account, invest without the stress of speculating", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1645638140, "tags": [ "Fintech", "Crypto / Web3", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/soon", "api": "https://yc-oss.github.io/api/batches/winter-2022/soon.json" }, { "id": 25593, "name": "Cardda", "slug": "cardda", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/64a0a5dd4f5579a046ac96d45ad1b947731896cf.png", "website": "https://cardda.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico", "long_description": "All-in-one spend management for businesses in Latam.\r\nWe give customers tools for bill payments, automated local transfers and corporate cards.", "one_liner": "All-in-one spend management for businesses in Latam", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644575523, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Chile", "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cardda", "api": "https://yc-oss.github.io/api/batches/winter-2022/cardda.json" }, { "id": 25594, "name": "Streak", "slug": "streak-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8c6b91146b5976c6d0c9571ae55fc265975f90e.png", "website": "https://www.streakcard.com/", "all_locations": "Bengaluru, KA, India", "long_description": "At Streak, we are building a new age personalized & gamified banking solution for teenagers.\r\n\r\nWe are a fast-paced edu-fintech startup working towards redefining children and teenagers' relationship with money.", "one_liner": "A neo-banking platform for children in India", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1640013871, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/streak-2", "api": "https://yc-oss.github.io/api/batches/winter-2022/streak-2.json" }, { "id": 25613, "name": "Gauss", "slug": "gauss", "former_names": [ "Placid Money", "Gauss Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/47cb34b7397c027f788b4eed1a3ea9abfcb1c1df.png", "website": "https://gauss.money", "all_locations": "New York, NY, USA", "long_description": "Gauss is building an AI credit agent that automatically lowers the cost of consumers’ debt.\r\n\r\nThe product connects to a user’s credit profile, continuously monitors balances and available offers, and executes refinances or restructurings when it can materially improve terms.\r\n\r\nFor credit card debt, Gauss can track and automatically pay off any expensive balance on connected cards from an instantly originated line of credit, saving users thousands of dollars on interest charges and helping them pay off faster.", "one_liner": "AI agent that helps consumers lower the cost of debt automatically", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1646153163, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gauss", "api": "https://yc-oss.github.io/api/batches/winter-2022/gauss.json" }, { "id": 25615, "name": "BharatX", "slug": "bharatx", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "website": "https://bharatx.tech/", "all_locations": "Bengaluru, KA, India", "long_description": "BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users.\r\n\r\nBharatX enabled \"Pay in 3\" and \"Pay in X\" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. \r\n\r\nWe started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users. ", "one_liner": "Enable Buy-Now-Pay-Later in a White-Labelled Manner", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1647453047, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bharatx", "api": "https://yc-oss.github.io/api/batches/winter-2022/bharatx.json" }, { "id": 25620, "name": "Magna", "slug": "magna", "former_names": [ "Maple" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d439fe7ad80a3abb806e8faf064081db9c56a21.png", "website": "https://magna.so", "all_locations": "New York, NY, USA", "long_description": "Magna is building a platform to turn DeFi investments into financial primitives. Our first product is Carta for Web3, where companies can manage their cap tables and distribute their token equity to employees, advisors, or investors. We’re also building investor infrastructure for institutions to custody investments with on-chain execution and intelligence. Our ultimate goal is to use locked tokens as composable building blocks to power collateralized lending, liquid secondary markets, and other DeFi applications.\r\n\r\nLaunching a token? Let's chat. Are you receiving tokens from your investments? We can also be helpful.\r\n\r\n\r\nWhat are our companies saying about the problem?\r\n\r\n> Having it all bundled together would make life easier. We have a million things to do. If you have an off-the-shelf thing, we’d use it.\r\n> This wouldn’t be a nice to have, it’d be a have to have.\r\n> Terrible process. We’re manually sending out transactions, going to solscan and manually check that they received our token. Takes hours every week.\r\n> Everything we do is potentially very dangerous. We have to check it thoroughly. I’ve spent several hours a day on this since launch. I imagine every month, it’ll take us at least 1-2 days.\r\n> Manual process every month for the ops team. They likely burn a week.... every month to pay out 150+ addresses.", "one_liner": "Carta for Web3: token vesting and DeFi investment management. ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647924997, "tags": [ "DeFi", "DAO" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/magna", "api": "https://yc-oss.github.io/api/batches/winter-2022/magna.json" }, { "id": 25649, "name": "Stairs Financial", "slug": "stairs-financial", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/947c12dfe7364c0cdc976248bb2744519c5003b7.png", "website": "https://stairsfinancial.com", "all_locations": "New York, NY, USA", "long_description": "Stairs helps young Americans buy their first home. Our home search identifies homes based on their finances, and connects them to government grants, loans and tax breaks.", "one_liner": "Find a home you can actually afford", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1646980929, "tags": [ "Fintech", "GovTech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stairs-financial", "api": "https://yc-oss.github.io/api/batches/winter-2022/stairs-financial.json" }, { "id": 25652, "name": "SALT", "slug": "salt", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6dab9350cc5e586235091913992c3fbaa5770f3e.png", "website": "https://salt.pe", "all_locations": "Bengaluru, KA, India", "long_description": "Salt is a neo banking solution stitched together to ease payments and documentation which comes with business banking by moving it to a digital-first and automated end to end platform.", "one_liner": "B2B Cross-Border Payment & Compliance Platform", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644218157, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/salt", "api": "https://yc-oss.github.io/api/batches/winter-2022/salt.json" }, { "id": 25655, "name": "Anfin", "slug": "anfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/71de9f890b7d76a3b3372220d2a6dac105772772.png", "website": "https://anfin.vn/", "all_locations": "Ho Chi Minh City, Ho Chi Minh City, Vietnam; Ho Chi Minh City, Vietnam", "long_description": "Anfin is a modern trading platform that aims to democratize access to financial services and wealth management for Vietnam’s retail investors.\r\n\r\nOur mission is to help the underserved retail investor navigate the complexities of investments in Vietnam, from stock market to the underutilized commodity trading.\r\n\r\nWe are backed by international renowned investors such as YC, Goodwater Capital, Global Founders Capital, and many more.", "one_liner": "A multi-asset trading platform dedicated to retail investors", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1638749889, "tags": [ "Fintech", "Consumer", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Vietnam", "Southeast Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/anfin", "api": "https://yc-oss.github.io/api/batches/winter-2022/anfin.json" }, { "id": 25658, "name": "Plumter", "slug": "plumter", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26e6bf80a0ca988ecbea293df344afa4d50189f7.png", "website": "https://plumter.com", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "We're providing a global platform for cross-border trade between importers and exporters. Leveraging powerful multi currency and stablecoin infrastructure, multilingual invoicing powered by AI, and deeply embedded apps that feel natural to traders around the world, we are making cross border trade as easy as texting.", "one_liner": "Financial tools for cross-border trade", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1647032280, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/plumter", "api": "https://yc-oss.github.io/api/batches/winter-2022/plumter.json" }, { "id": 25660, "name": "PayCaddy", "slug": "paycaddy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c685fd670d0a729f3179d1688c8e32e5908da426.png", "website": "https://paycaddy.com/", "all_locations": "Panama City, Panama, Panama", "long_description": "PayCaddy enables Latam companies to launch financial products with an API based platform. Rather than building fintech from scratch, or dealing with a legacy bank, companies can use PayCaddy to open digital wallets with KYC checks, automate online payments, and issue personalized debit and prepaid cards for customers or employees. ", "one_liner": "Simplified Banking as a Service for Latam", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642033265, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Panama", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/paycaddy", "api": "https://yc-oss.github.io/api/batches/winter-2022/paycaddy.json" }, { "id": 25662, "name": "digi", "slug": "digi", "former_names": [ "digiventures" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8d7e7a8349d90a3fd3d3c8ff6fff809eccf9156.png", "website": "https://www.digitech.la/", "all_locations": "", "long_description": "Digi SaaS enables banks in Latin America to digitize their loan origination and account opening process. We are live with 30 clients (including 7 banks) in 9 countries.", "one_liner": "Enabling banks have a fintech-style loan origination process", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640228964, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/digi", "api": "https://yc-oss.github.io/api/batches/winter-2022/digi.json" }, { "id": 25665, "name": "Wibond", "slug": "wibond", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f8aca33bbbc7f098e6884aaf05d63f57bdae220.png", "website": "https://www.wibond.co/", "all_locations": "Córdoba, Cordoba, Argentina", "long_description": "Under \"Buy Now, Pay Later\" business model, Wibond is a 100% flexible digital payment method enabling the 200 million underbanked consumers without credit cards to shop online for the first time. \r\n\r\nWe integrate directly into the purchase flow of online merchants, and we offer consumers a credit, when they have already made up their mind that they want to acquire a specific product.\r\nWe provide financial and digital access to a large community of people offering payment options according to their possibilities and profile. Wibond is an inclusive and simple solution:\r\n - Consumers can create their free account to quickly access and pay without banks, in installments, and without a card.\r\n - Merchants with e-commerce channels increase their sales and integrate Wibond in a very agile way by offering a new form of payment and expanding their markets.\r\n\r\nWe’re also integrated in the purchase flow of more than 500 merchants, including Samsung, Musimundo (one of the Biggest retailers in LATAM) , and Motorola. And up to 65% of the payment transactions on these sites go through us. \r\n", "one_liner": "Affirm for LATAM ", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1641208676, "tags": [ "Banking as a Service", "Cashierless Checkout", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/wibond", "api": "https://yc-oss.github.io/api/batches/winter-2022/wibond.json" }, { "id": 25670, "name": "Eazipay Inc.", "slug": "eazipay-inc", "former_names": [ "Myeazipay Technology Services Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6d38a5e03130b41b7c1ced5d2b0e7c87a4c691.png", "website": "https://myeazipay.com", "all_locations": "Lagos, LA, Nigeria", "long_description": "Eazipay is Africa’s leading payroll and payment automation platform, making it easy for businesses to pay their teams accurately, on time, and with minimal effort. Our Payroll API enables businesses, fintechs, and platforms to integrate payroll processing directly into their systems—automating salary payments, tax deductions, and compliance.\r\n\r\nBeyond payroll, Eazipay also empowers workers by providing faster access to their earnings and financial benefits. With features like early wage access and financial wellness tools, we help employees and gig workers gain more control over their income and financial stability.\r\n\r\nWe now serve over 10k businesses, with many YC companies as customers. ", "one_liner": "Eazipay powers effortless payroll and financial access in Africa.", "team_size": 27, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1643192248, "tags": [ "Fintech", "Payments", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/eazipay-inc", "api": "https://yc-oss.github.io/api/batches/winter-2022/eazipay-inc.json" }, { "id": 25678, "name": "Botin", "slug": "botin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5965ab6280aff156a33f280c025737fb3293f5b7.png", "website": "https://www.botin.app", "all_locations": "San José, San José Province, Costa Rica; Remote", "long_description": "Botin a mobile app where people in Latin America can invest in US Stocks, Crypto and more. \r\n\r\nWe are building a one stop shop product for consumers to create wealth in Latin America by giving them the investment tools of the 1%. \r\n", "one_liner": "Investment super app for Latin America", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1647981084, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Costa Rica", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/botin", "api": "https://yc-oss.github.io/api/batches/winter-2022/botin.json" }, { "id": 25683, "name": "FinFlx", "slug": "finflx", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c62fd6834d7897b816b186d1ee08686366f72df.png", "website": "https://finflx.com", "all_locations": "Dubai, United Arab Emirates", "long_description": "FinFlx makes it easier and more affordable for SME to offer defined contribution pension plans in line with local labour laws.\r\nEmployers can launch a pension plan within hours instead of weeks, with fully digital employee record management, plan administration, investment selection and detailed reporting.\r\nFinFlx is the future of workplace retirement solutions in the Middle East.", "one_liner": "Flexible Workplace Savings plans for SMEs in MENA.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643186433, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finflx", "api": "https://yc-oss.github.io/api/batches/winter-2022/finflx.json" }, { "id": 25684, "name": "Curacel", "slug": "curacel", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/977d4fc93f97d105040a91345ced2e1f0bb4800f.png", "website": "https://curacel.co", "all_locations": "London, United Kingdom", "long_description": "Curacel builds AI-driven infrastructure to help payors, TPAs and healthcare providers automate claims processing, reduce fraud, streamline operations and enhance customer experiences. Our intelligent solutions make insurance and healthcare more efficient, accessible, and scalable. ", "one_liner": "AI-Powered Infrastructure for Insurance & Healthcare", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1646933760, "tags": [ "SaaS", "B2B", "Insurance", "Healthcare IT", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/curacel", "api": "https://yc-oss.github.io/api/batches/winter-2022/curacel.json" }, { "id": 25685, "name": "Boya", "slug": "boya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd660e44ef0d74bea007a7a875e98a17aab35613.png", "website": "https://boyahq.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Boya Makes it easy for businesses in Africa to issue corporate expense cards instantly and great software to control and track spending. For example, if you run a pharmaceutical company, you can use Boya to instantly issue Visa cards to sales and marketing teams and get real-time visibility and control over their spending.\r\n\r\n50M+ businesses in Africa have no easy way to streamline and track their employee spending in real-time. So we are building a corporate card and a spend management platform that enables businesses to streamline spend workflows and provide real-time reporting. We are building the first corporate card that supports mobile money, banks and card schemes payment workflows\r\n", "one_liner": "Corporate Expense cards and Spend management for businesses in Africa", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644923560, "tags": [ "FinOps", "Fintech", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Kenya", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/boya", "api": "https://yc-oss.github.io/api/batches/winter-2022/boya.json" }, { "id": 25693, "name": "Tola", "slug": "tola", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fbc8c1ee7e52671abb62b7c0735dd822b79fde55.png", "website": "https://tolahq.com", "all_locations": "San Francisco, CA, USA; New York, NY, USA; Remote", "long_description": "Tola is the simple tool for SMBs to pay bills and get paid. On top of that, we help companies better manage their cashflow by allowing them to buy now and pay later expensive bills in exchange for a small fee.", "one_liner": "The simple, fast and free tool for businesses to pay and get paid", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1677791099, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tola", "api": "https://yc-oss.github.io/api/batches/winter-2022/tola.json" }, { "id": 25694, "name": "PayCrunch", "slug": "paycrunch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "website": "https://paycrunch.in", "all_locations": "Bengaluru, KA, India", "long_description": "More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. We use Alternative Credit scoring models to provide a Pay Later option on UPI to a wider audience. ", "one_liner": "Credit Card for college students based on UPI.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642415941, "tags": [ "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/paycrunch", "api": "https://yc-oss.github.io/api/batches/winter-2022/paycrunch.json" }, { "id": 25695, "name": "Pluto.markets", "slug": "pluto-markets", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4220b67795f91e7e22e321ed88ea58342889b11f.png", "website": "http://pluto.markets/", "all_locations": "Copenhagen, Denmark", "long_description": "Technology is a massive enabler for stock market participation. This was the case when the phone, the internet and apps were invented granting access for more people.\r\n\r\nFor 100m Europeans living in countries without the Euro however, there has been no innovation for the past 30 years. High commissions, clunky interface, high minimum amounts and a brand that speaks to the few.\r\n\r\nWe are on a mission to drive financial inclusion by bridging the innovation gap for the overlooked regions of the EU. ", "one_liner": "Modern Investment Product for 100m underserved Europeans", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1641989342, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Denmark", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pluto-markets", "api": "https://yc-oss.github.io/api/batches/winter-2022/pluto-markets.json" }, { "id": 25711, "name": "Elphinstone, Inc.", "slug": "elphinstone-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c11e382bc061b3d293fc3a3374fb5e8104bfe299.png", "website": "https://elphinstone.com.pk/", "all_locations": "Sindh, Pakistan", "long_description": "We're building the equivalent of 401ks for Pakistan as the first step towards building a comprehensive wealth management platform for the country.", "one_liner": "Robo-advisory platform for Pakistan", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1642763635, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/elphinstone-inc", "api": "https://yc-oss.github.io/api/batches/winter-2022/elphinstone-inc.json" }, { "id": 25713, "name": "Grey", "slug": "grey", "former_names": [ "Aboki Africa", "Grey", "Grey (formerly Aboki Africa)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.png", "website": "https://grey.co", "all_locations": "San Francisco, CA, USA; LA, Nigeria; Remote", "long_description": "Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.\r\n\r\n\r\n", "one_liner": "Banking services for remote workers and digital nomads", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644319662, "tags": [ "Fintech", "Consumer", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Nigeria", "America / Canada", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/grey", "api": "https://yc-oss.github.io/api/batches/winter-2022/grey.json" }, { "id": 25717, "name": "Lenco", "slug": "lenco", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/53d4fde8908330833eed6ce703f14e2c329fe0aa.png", "website": "https://lenco.co", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Lenco is a multi-currency digital bank for businesses in Africa. With Lenco, retail outlets, hospitality businesses and startups can easily pay vendors, suppliers and perform cross-border payment while having access to growth capital.", "one_liner": "Pan-African digital bank for Africa's 50m businesses", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1646228155, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lenco", "api": "https://yc-oss.github.io/api/batches/winter-2022/lenco.json" }, { "id": 25726, "name": "Vendy", "slug": "vendy", "former_names": [ "payeasy", "wepayeasy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2281bc324d5c5e58506c7f08aa342175a403f0bf.png", "website": "https://myvendy.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Vendy is a marketplace on WhatsApp. We provide customized WhatsApp shops for sellers, allowing buyers to browse inventory, place orders with automated invoicing, and make payments, all within WhatsApp. No app download or sign-up required.", "one_liner": "Vendy is a marketplace on WhatsApp", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1646358782, "tags": [ "Payments", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/vendy", "api": "https://yc-oss.github.io/api/batches/winter-2022/vendy.json" }, { "id": 25728, "name": "Benson", "slug": "benson", "former_names": [ "Yunit Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e1e36c83b26eee167ac29306733958a30cb80c5.png", "website": "https://www.meetbenson.com/", "all_locations": "Oakland, CA, USA; Remote", "long_description": "Benson helps everyday people invest like the rich by helping them identify the best stocks to invest in. We help users know when to buy, how much to invest, and even when to sell. ", "one_liner": "Easily invest like the rich", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1644868857, "tags": [ "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/benson", "api": "https://yc-oss.github.io/api/batches/winter-2022/benson.json" }, { "id": 25745, "name": "goodfin", "slug": "goodfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b052c26e0beb63cd2a5aef297f7855da685f8dc.png", "website": "http://www.goodfin.com", "all_locations": "Los Angeles, CA, USA", "long_description": "GoodFin is reimagining private wealth in the era of AI. Our mission is to empower a new generation to build wealth, starting with their investments in alternative assets. \r\n\r\nOur AI-native platform combines a design-forward experience with a backend powered by a system of intelligent agents. We are building a future where AI unlocks financial hyperpersonalization, automation and optimization for sophisticated financial products, which are typically gated by advisors and reserved for very wealthy clients. This highly fragmented $1.25T global services market will undergo a sea change in the coming years, as trillions pass in the largest intergenerational wealth transfer to date. \r\n\r\nIn a world where most financial decisions will become automated, we believe the next category-defining wealth company will still be human-driven at its core – powered by a high-value community like our membership base of professionals, founders and investors. The next generation financial giant will be an AI-native platform that makes wealth creation seamless, personalized, and social. That’s what we’re building.", "one_liner": "Building the next generation of wealth", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647606742, "tags": [ "Artificial Intelligence", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/goodfin", "api": "https://yc-oss.github.io/api/batches/winter-2022/goodfin.json" }, { "id": 25755, "name": "Rank (formerly Moni)", "slug": "rank", "former_names": [ "Moni" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "website": "https://www.userank.com/", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa. \r\n
\r\nWe launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa.\r\n
\r\nFemi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps\r\n\r\nWe are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.\r\n", "one_liner": "Group Financing for small businesses across Africa.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642152318, "tags": [ "Banking as a Service", "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rank", "api": "https://yc-oss.github.io/api/batches/winter-2022/rank.json" }, { "id": 25758, "name": "Nash", "slug": "nash-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b78f8543daddcbab960f2418bf3909cc4b5b026.png", "website": "https://getnashglobal.com/", "all_locations": "San Francisco, CA, USA; Nairobi, Nairobi County, Kenya", "long_description": "Nash enables finance teams to manage all their finance flows in one place and craft their money flow experiences globally. Our ledger-based operating system allows your borderless business to connect all your money accounts, accounting systems, payment service providers, treasury operations, spend management in one place. \r\n\r\nOur mission is to enable borderless commerce in Africa. We achieve this initially by providing your team with all the finance tools needed to build, scale, and grow your borderless business without the need for a costly and complex in-house infrastructure. ", "one_liner": "All in one finance platform for borderless businesses in Africa", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648233823, "tags": [ "Banking as a Service", "FinOps", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Kenya", "America / Canada", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nash-2", "api": "https://yc-oss.github.io/api/batches/winter-2022/nash-2.json" }, { "id": 25776, "name": "Partna", "slug": "partna", "former_names": [ "Coinprofile", "Payourse (We built Coinprofile)", "Payourse" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ae92ae03ac6751b76d657b89f31e27c32bddc3d7.png", "website": "https://getpartna.com", "all_locations": "Wilmington, DE, USA; Remote", "long_description": "Stablecoin-powered payment infrastructure, to collect, convert, and settle between Africa and global markets.", "one_liner": "Unlock African payments", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647334206, "tags": [ "Fintech", "Payments", "Remittances" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/partna", "api": "https://yc-oss.github.io/api/batches/winter-2022/partna.json" }, { "id": 25814, "name": "Duplo", "slug": "duplo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/229d114ff14fae012cefe3f7583b891b20847d74.png", "website": "https://www.tryduplo.com/", "all_locations": "LA, Nigeria", "long_description": "", "one_liner": "Venmo for B2B in Africa", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644488470, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/duplo", "api": "https://yc-oss.github.io/api/batches/winter-2022/duplo.json" }, { "id": 25820, "name": "Fello", "slug": "fello", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5217735d0eee015e36414930d3f8d9c1c25f207e.png", "website": "https://fello.in", "all_locations": "Bengaluru, KA, India", "long_description": "Fello is a game-based savings and investment application for the gen-z and young millennials of India to save play and earn returns more than a traditional savings bank account. We are merging the worlds of gaming and finance to make finance fun, easy and rewarding!\r\n\r\nUsers can save and invest in financial assets and for every rupee they save they get one gaming token using which they can play daily and weekly games and if they win in these games they get to win Rs.1 lakh every week!\r\n\r\nJust within a short span of 12 weeks of launch, we onboarded 250,000 users with 92% of them being referred users, 88% of them being first-time investors who are spending over 12 minutes on an average per day on the app saving and playing games together!", "one_liner": "Grow money and win $1000 every week by saving and playing games", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644430130, "tags": [ "Fintech", "Consumer", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fello", "api": "https://yc-oss.github.io/api/batches/winter-2022/fello.json" }, { "id": 25823, "name": "Joe", "slug": "joe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ce58f7b5b9b75008b98693547e6bf5c8ece59c5.png", "website": "http://www.joe-app.com/en", "all_locations": "Paris, Île-de-France, France", "long_description": "Joe is building a innovative and flexible DtoC Buy Now Pay Later App in Europe powered by Tech📲.\r\nIn Europe, only 15% of e-commerce have integrated BNPL solutions and consumers don’t have access to installments very easily. \r\n\r\nWithin Joe app and our virtual card you can buy now pay later on any store without any technical integration. And if you already made your purchase, you can be refunded and get 3 installments\r\n", "one_liner": "We let customers \"Buy Now Pay Later\" on any store in Europe. ", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1645566529, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/joe", "api": "https://yc-oss.github.io/api/batches/winter-2022/joe.json" }, { "id": 25870, "name": "Top Road", "slug": "top-road", "former_names": [ "RE-MINT", "re-mint", "Top Road", "GPT Builder Tools by Top Road" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/50c64eee4fb328983954a1afb2acfcbb3e366dc6.png", "website": "https://toproad.ai", "all_locations": "Sydney, NSW, Australia", "long_description": "Top Road provides no-code analytics & payment tools so creators can monetise their AI apps (\"GPTs\") in the OpenAI ecosystem. ", "one_liner": "Payments & analytics for apps in the OpenAI GPT Store", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644389361, "tags": [ "Fintech", "Generative AI", "Payments", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Australia", "Oceania", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/top-road", "api": "https://yc-oss.github.io/api/batches/winter-2022/top-road.json" }, { "id": 25876, "name": "Numida", "slug": "numida", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1949250110cbb69424a4932710f3027d1163c017.png", "website": "https://numida.com", "all_locations": "Kampala, Central Region, Uganda", "long_description": "Numida provides working capital loans to African micro businesses. Instead of borrowing from informal lenders or family, micro business owners download the Numida app, apply in minutes, and receive capital within a day. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, while maintaining excellent collection rates. Since 2021 we have provided $23M in working capital to 32,000 businesses in East Africa. \r\n", "one_liner": "Working capital for African micro businesses", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642704125, "tags": [ "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Uganda", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": false, "question_answers": false, "url": "https://www.ycombinator.com/companies/numida", "api": "https://yc-oss.github.io/api/batches/winter-2022/numida.json" }, { "id": 25891, "name": "PINA", "slug": "pina", "former_names": [ "PINA", "PT Pina Aplikasi Bersama" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3371ff710a135af2d2ac975d4af1b4b7ff5df24.png", "website": "https://pina.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "At PINA, we are designing and building the future of personal finance with a mission to help everyone achieve financial freedom by providing products and advice that make complicated financial decisions simple and relevant. \r\n\r\nWe seamlessly integrate money management and investing into one app to allow people to manage their finances holistically. Users can see their net worth, monthly cash flow and how their budget has changed over the past several months. All of this is automated and designed to help them achieve the savings goal which they have set .\r\n\r\nIn addition to money management, we focus on making investing easy with pre-built portfolios and automatic rebalancing. When you sign up for an account, it offers the option to pick an expertly built portfolio, or you can choose to build your own.", "one_liner": "WealthFront of Indonesia ", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640802022, "tags": [ "Fintech", "Machine Learning" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pina", "api": "https://yc-oss.github.io/api/batches/winter-2022/pina.json" }, { "id": 25911, "name": "Cypher", "slug": "cypher", "former_names": [ "CypherD", "CypherD Wallet", "Cypher Wallet" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9c93afdca59e284c9f7ffb0e5af75d2830c485d1.png", "website": "https://cypherhq.io/", "all_locations": "Palo Alto, CA, USA", "long_description": "Internet broke physical boundaries in commerce and made it global. It never happened in finance. Almost all financial consumer apps are country specific. Stablecoins are the internet moment for finance industry.\r\n\r\nCypher lets an user download an app from anywhere in the world and have a bank account in 5 mins and start transacting with the crypto card. Can instantly send USDC to anywhere in the world.", "one_liner": "Crypto Neo-Bank (WhatsApp moment for bank accounts)", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644960126, "tags": [ "DeFi", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cypher", "api": "https://yc-oss.github.io/api/batches/winter-2022/cypher.json" }, { "id": 25918, "name": "Venue.ink", "slug": "venue-ink", "former_names": [ "Venue", "Venue.live" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ed643fef7e35b17f37186448b5e1370b52b5b1.png", "website": "https://venue.ink", "all_locations": "Toronto, ON, Canada", "long_description": "Venue.ink is a booking app for tattoo artists and studios. Receive bookings, manage your calendar, chat with clients and get paid. We help artists spend more time on art, and less time on admin.", "one_liner": "Software for tattoo artists and studios", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1643648106, "tags": [ "Fintech", "SaaS", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/venue-ink", "api": "https://yc-oss.github.io/api/batches/winter-2022/venue-ink.json" }, { "id": 25921, "name": "Nophin", "slug": "nophin", "former_names": [ "Nophin Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d0455a652b85ac5ebbe8030cb953e41c7e4c2098.png", "website": "https://www.nophin.com", "all_locations": "New York, NY, USA", "long_description": "Nophin helps commercial real estate professionals screen deals faster with Cresa, an AI Analyst that automates multifamily deal screening and diligence processes, freeing up time for what truly matters—closing the best opportunities.\r\n \r\nAcquisition teams are overwhelmed with manual tasks, from screening countless deals that don't meet buying criteria to analyzing complex documents and conducting market research. These inefficiencies lead to missed opportunities and slowed decision-making, making it difficult to focus on high-potential opportunities.\r\n\r\nCresa is the first fine-tuned multimodal Agent capable of handling various workflows for acquisition teams around the clock so they can focus on high-potential deals that align with their buying criteria. Cresa can screen deals, analyze documents, and generate comprehensive reports. \r\n", "one_liner": "AI Deal Screening Analyst for Commercial Real Estate Acquisitions", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642782114, "tags": [ "Generative AI", "SaaS", "Real Estate", "Proptech", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nophin", "api": "https://yc-oss.github.io/api/batches/winter-2022/nophin.json" }, { "id": 25930, "name": "SNAB", "slug": "snab", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/beed13dcdb170626c398b7c8ce66df8a3978a4e3.png", "website": "https://www.snabfinance.com/", "all_locations": "Madrid, Community of Madrid, Spain; Remote", "long_description": "Snab aims to automate & centralize access and management of global banking for complex business groups with multiple subsidiaries, and digitize their access to financial services.", "one_liner": "A global finance automation platform for complex multi-entity…", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648105204, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Spain", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/snab", "api": "https://yc-oss.github.io/api/batches/winter-2022/snab.json" }, { "id": 25931, "name": "Amal Invest", "slug": "amal-invest", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0a95616054d8d844425f1285ebe1c5056e3a7f3.png", "website": "https://amalinvest.com", "all_locations": "Manama, Capital Governorate, Bahrain; Remote", "long_description": "Amal's an investing app for Muslims. Muslims only invest in Shariah-compliant business, but it's hard to know which businesses are compliant. That's because it's based on complex financial metrics that change over time. We take that burden away entirely.\r\n\r\nAmal can filter stocks but also, remarkably, funds. Set your filters up once, and you'll have access to a universe of investments that cater to your specific requirements. Sign up today at https://amalinvest.com", "one_liner": "Investing app for Muslims", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643623778, "tags": [ "Fintech", "Investing", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Bahrain", "Middle East and North Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/amal-invest", "api": "https://yc-oss.github.io/api/batches/winter-2022/amal-invest.json" }, { "id": 25948, "name": "Spade", "slug": "spade", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dc25342edef4b9f6942587780f3a5d96fae04f9c.png", "website": "https://www.spade.com", "all_locations": "New York, NY, USA", "long_description": "Spade is the next generation of fintech infrastructure. We’re building a financial data enrichment API purpose built to empower our customers to uncover the truth hidden within their transaction data. We use our vast, ground-truth merchant data set to decipher cryptic transactions, helping customers underwrite, detect fraud, build better banking infrastructure and get a unique understanding of their users’ spending habits.", "one_liner": "Enriched transaction data you can build on", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641512856, "tags": [ "Fintech", "Machine Learning", "Payments", "Data Labeling", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/spade", "api": "https://yc-oss.github.io/api/batches/winter-2022/spade.json" }, { "id": 25960, "name": "Clupp", "slug": "clupp", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c36a2d5d5beb7bbd64012e028a1c2dfffa2b3fc9.png", "website": "http://clupp.com.mx/", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "At Clupp, we offer innovative insurance solutions for underserved markets. Whether it's B2C coverage for bicycle and scooter riders in Latin America, B2B SaaS solutions empowering insurance brokers worldwide, or creating new insurance products to guarantee financing for startups in the United States—we're pushing the boundaries of what's possible in the insurance industry.", "one_liner": "Innovative insurance solutions for underserved markets.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1641410394, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/clupp", "api": "https://yc-oss.github.io/api/batches/winter-2022/clupp.json" }, { "id": 25973, "name": "amiloz", "slug": "amiloz", "former_names": [ "Comerza (new name ---> Amiloz)", "AMILOZ", "amiloz", "Amiloz", "amiloz", "Amiloz" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/979fcfdd0c4661a8729e2394fa1ade03b93f89bc.png", "website": "https://www.beloz.com.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "We are a Y Combinator / Latitud backed micro-lending platform in Mexico led by talent from companies such as Capital One, Bain & Company, Konfio, DiDi, Clip, Klarna, etc. We are hyper focused on making sure that customers improve their financial lives significantly through their relationship with us. In a very short time, we have achieved significant traction with exceptional consumer outcomes and unit economics. We are also building and incorporating a significant amount of AI into our operations, so this is a great place to work for anybody who has ambitions to build real time applications of AI. Our goal is to build the biggest AI enabled consumer fintech platform in Mexico and eventually LatAm.", "one_liner": "Micro-lender in Mexico", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1646585799, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/amiloz", "api": "https://yc-oss.github.io/api/batches/winter-2022/amiloz.json" }, { "id": 25981, "name": "Arpari", "slug": "arpari", "former_names": [ "re-eval" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1daae7ef53262d8880fc5c5838278da9bea07522.png", "website": "https://www.arpari.com", "all_locations": "New York City, NY, USA", "long_description": "Treasury management platform built for multibank finance teams. Seamlessly consolidate company finances, manage payments and financial operations from a single dashboard. ", "one_liner": "Multibank treasury management", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648002361, "tags": [ "Fintech", "SaaS", "Real Estate", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/arpari", "api": "https://yc-oss.github.io/api/batches/winter-2022/arpari.json" }, { "id": 26003, "name": "Mahaana Wealth", "slug": "mahaana-wealth", "former_names": [ "Dynasty Financial Advisors", "Mahaana" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://mahaana.com", "all_locations": "Islamabad, Islamabad Capital Territory, Pakistan", "long_description": "Pakistan has 401K style schemes for retirement but only 0.02% people have retirement accounts. Previously unallowed, Digital onboarding & KYC was adopted by the regulator in late 2021. We are the first & only licensed digital investment advisor and looking to take advantage of this regulatory tailwind. We are now licensed to create our own retirement funds & ETFs just like Vanguard", "one_liner": "Mahaana is first & only licensed digital wealth manager in Pakistan", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648305584, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mahaana-wealth", "api": "https://yc-oss.github.io/api/batches/winter-2022/mahaana-wealth.json" }, { "id": 26012, "name": "Postal", "slug": "postal", "former_names": [ "Plover Parametrics" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/911ebad4ffeccf83b0c6f626fa7f16fe4bb95679.png", "website": "https://usepostal.com", "all_locations": "New York, NY, USA", "long_description": "Postal offers a modern virtual mailbox for businesses. Postal provides an official address for government, IRS, and vendor communications so companies don't have to use an apartment / shared office address.\r\n\r\nPostal's AI summarizes mail and recommends compliance actions, and its marketplace of service providers are ready to perform the mundane compliance work that otherwise falls through the cracks. \r\n\r\nCompanies get 6 months free (a $300 value), plus three free hours of compliance services (a $600 value). ", "one_liner": "An AI native virtual address & mailroom for businesses.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1646246347, "tags": [ "Artificial Intelligence", "Compliance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/postal", "api": "https://yc-oss.github.io/api/batches/winter-2022/postal.json" }, { "id": 26016, "name": "Finku", "slug": "finku", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd2fc34605d4558d713fd1df46893a192df5b825.png", "website": "http://finku.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Finku is an AI powered personal finance app (budget & money manager) focused on geographies without Open Banking, such as Indonesia. \r\n\r\nFinku makes it easy for users to learn about their spending behaviors and recommends ways for user to achieve their goals faster (i.e saving more, etc.). Finku has helped 1 million Indonesian by offering a more seamless and innovative method of storing financial transactions, by processing these data-points & offering insightful suggestions for users, by providing access to a virtual financial assistant, hence creating a rewarding & sticky experience for our users.\r\n\r\nFinku is backed by B Capital, Partech, Golden Gate Ventures, Goodwater Capital, Trihill Capital and YCombinator.", "one_liner": "AI powered personal finance app for Indonesia", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640796466, "tags": [ "Fintech", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finku", "api": "https://yc-oss.github.io/api/batches/winter-2022/finku.json" }, { "id": 26019, "name": "AYC Fund", "slug": "ayc-fund", "former_names": [ "10 minute squad / 10분특공대", "10 minute squad", "Sync" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7e61aca9e3ec1f41c1b6e3f94c2d34767562c42d.png", "website": "http://www.AYCFund.com/", "all_locations": "Seoul, Seoul, South Korea", "long_description": "AI-native crypto hedge fund", "one_liner": "AI-native crypto hedge fund", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1641267384, "tags": [ "Crypto / Web3", "Finance", "Trading", "AI", "Cryptocurrency" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "South Korea", "East Asia" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ayc-fund", "api": "https://yc-oss.github.io/api/batches/winter-2022/ayc-fund.json" }, { "id": 26042, "name": "Pigeon", "slug": "pigeon-2", "former_names": [ "Pigeon Loans" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b139123800489407f058e0b228890ae6c0af4d3a.png", "website": "https://www.usepigeon.io", "all_locations": "Miami, FL, USA; Remote", "long_description": "Pigeon is a relationship based technology platform that facilitates the creation and management of loans between friends, family, loved ones, and anyone who trusts one another.\r\n\r\nBy providing smarter ways for people to mix money with their relationships, Pigeon seeks to empower individuals to borrow and lend money with the people they trust.", "one_liner": "Simplifying loans with your friends & family.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643783750, "tags": [ "Fintech", "Consumer", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pigeon-2", "api": "https://yc-oss.github.io/api/batches/winter-2022/pigeon-2.json" }, { "id": 26043, "name": "Cashmere", "slug": "cashmere", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4080cdbc25e0833a1c37e7cb78ce01ff0a6683fd.png", "website": "https://cashmere.finance/", "all_locations": "San Francisco, CA, USA", "long_description": "Cashmere is a multisig solana wallet for enterprises to manage their digital assets. Instead of running their business from one person’s wallet, startups can use our wallet to securely manage their funds.", "one_liner": "Crypto wallet for web3 startups", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1647375473, "tags": [ "DeFi", "Crypto / Web3", "DAO" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cashmere", "api": "https://yc-oss.github.io/api/batches/winter-2022/cashmere.json" }, { "id": 26051, "name": "GIMO", "slug": "gimo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c68de92438a9912956f54bb8432706d4b265d422.png", "website": "https://gimo.vn/en", "all_locations": "Hanoi, Hanoi, Vietnam", "long_description": "We are building a new financial platform that helps underbanked workers get paid as they earn it, anytime, anywhere. By partnering up with corporate employers, GIMO is providing a mobile financial application as a benefit to their employees, aiming at changing the way the employees earn, spend, save and invest.", "one_liner": "We help underbanked workers get paid before payday", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1639507973, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Vietnam", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gimo", "api": "https://yc-oss.github.io/api/batches/winter-2022/gimo.json" }, { "id": 26065, "name": "TAI", "slug": "tai", "former_names": [ "Tragen", "Inc.", "Tragen" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/87a059758f67e35e3f79bf4b4d49e131976319e2.png", "website": "https://www.withtai.com", "all_locations": "San Francisco, CA, USA", "long_description": "TAI is an investing app that helps millennial investors trade and manage all their existing accounts from a single app. \r\n\r\nTAI uses algorithms and market themes to help users discover actionable insights on how to improve their portfolios using ETFs.\r\n", "one_liner": "Control All of Your Investments from a Single App", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1645055797, "tags": [ "Fintech", "Consumer", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tai", "api": "https://yc-oss.github.io/api/batches/winter-2022/tai.json" }, { "id": 26108, "name": "GoSats", "slug": "gosats", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6ef13c2cf09acf6a7b852519447061cd749bdf8.png", "website": "https://gosats.io", "all_locations": "Bengaluru, KA, India", "long_description": "GoSats is a bitcoin rewards app. We help people accumulate free bitcoin as cashbacks and rewards every time they shop in India.", "one_liner": "GoSats helps you earn free bitcoin when you shop in India.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644855955, "tags": [ "E-commerce", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gosats", "api": "https://yc-oss.github.io/api/batches/winter-2022/gosats.json" }, { "id": 26109, "name": "Poko", "slug": "poko", "former_names": [ "Shoppa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9223cea998383ca05659ccb9f8a005d117395d4.png", "website": "http://www.pokoapp.xyz", "all_locations": "Singapore, Singapore", "long_description": "Poko enables seamless transfers from local payment rails to web3 infrastructure enabling web3 wallets, marketplaces, games and DApps to acquire more users. With Poko’s SDK, web3 builders can easily enable fiat-to-crypto onramping with 100+ common local payment methods or easily pay for NFTs with local payment methods. Poko's fiat-to-cryptoonramp aggregator reduces onramping costs by up to 70% and increases transaction success rates by up to 5x through a smart routing logic and a single integration to multiple onramps. It's Direct Checkout solution enables one step purchasing from fiat payment rails from any smart contract for 79% higher user conversion. The co-founders’ experience includes being chief strategy officer of a $2.4B coincap protocol, leading technical implementation of Singapore’s central bank’s experiment in cross-border payments on blockchain rails, policy experience as payments task force member at the World Economic Forum, ex-Ethereum Foundation Fellow, and CTO of a 2M+ user play to earn game.", "one_liner": "Seamless Fiat Payments for Web3", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641453325, "tags": [ "Developer Tools", "Crypto / Web3", "Payments", "Gaming", "Creator Economy" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/poko", "api": "https://yc-oss.github.io/api/batches/winter-2022/poko.json" }, { "id": 26183, "name": "Pantore Pay", "slug": "pantore-pay", "former_names": [ "Smart Kitchen", "Pantore" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/65917590bece98a83ec996e2cd822a5946a8451e.png", "website": "https://www.pantorepay.com.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "Pantore Pay is the solution for restaurants cash flow issues and allows restaurants to shop for supplies and pay any other bills using Pantore's credit line.", "one_liner": "Working capital for Brazilian restaurants", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642009581, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pantore-pay", "api": "https://yc-oss.github.io/api/batches/winter-2022/pantore-pay.json" }, { "id": 26242, "name": "Finnix", "slug": "finnix", "former_names": [ "Aigis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/967086215a90a3a36d46b7d111b26a6b9df49c40.png", "website": "http://finnix.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Finnix is a financial technology solutions provider for Indonesian creative businesses. We provide loans and financial management tools for event organizers, agencies, concert promoters, and others.", "one_liner": "Financial technology solutions for Indonesian creative businesses", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1642180850, "tags": [ "Fintech", "Entertainment", "Music", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finnix", "api": "https://yc-oss.github.io/api/batches/winter-2022/finnix.json" }, { "id": 26265, "name": "Seis", "slug": "seis", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd9b86419e3a78adb95e9c2144f9899fa50c0513.png", "website": "https://www.seis.com", "all_locations": "San Francisco, CA, USA", "long_description": "Today we're the easiest way for our customers to get a bank account. \r\n\r\nTomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. \r\n\r\nOur mission is to treat our customers as 1st class citizens and *end dial #2 for español*", "one_liner": "Banking 100% in Spanish for the 44 million US Spanish speakers", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1642531744, "tags": [ "Fintech", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/seis", "api": "https://yc-oss.github.io/api/batches/winter-2022/seis.json" }, { "id": 26290, "name": "Mono", "slug": "mono-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ac95d1949a6a54c8aa8d516807ab68da84ba80d.png", "website": "https://mono.la", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "Mono provides an API-first platform that lets any company in LatAm offer financial capabilities, wallets, real-time payouts (Bre-B), Visa cards, and multi-rail bank transfer without becoming a fintech.", "one_liner": "Embedded finance infrastructure for LatAm enterprises.", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1642010570, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mono-2", "api": "https://yc-oss.github.io/api/batches/winter-2022/mono-2.json" }, { "id": 26476, "name": "Pana", "slug": "pana", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6114091caebbe06921f5d25e1d025dc32970cf6.png", "website": "http://Holapana.com", "all_locations": "Miami, FL, USA; Remote", "long_description": "The first secure, end-to-end global USD account, seamlessly integrating fiat and stablecoins across 125 countries for direct-to-bank settlement—no liquidity providers, no SWIFT, no intermediaries.\r\n\r\nBoth sender and receiver use the Pana app and wallet for a frictionless, real-time cross-border payment experience.\r\n", "one_liner": "A Global Bank on Chain", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1657716060, "tags": [ "Fintech", "Consumer", "Social", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pana", "api": "https://yc-oss.github.io/api/batches/summer-2022/pana.json" }, { "id": 26658, "name": "Magic", "slug": "magic-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7c07bd32af8c505350f6f299e82710d7ff784503.png", "website": "https://www.joinmagic.com/", "all_locations": "", "long_description": "Magic is the next-generation platform for payments, loyalty, and rewards.", "one_liner": "Pay by Bank Platform", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1679893540, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/magic-2", "api": "https://yc-oss.github.io/api/batches/summer-2022/magic-2.json" }, { "id": 26659, "name": "Weltio", "slug": "weltio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb7c309bff6f12dbf8b78ad14581d2fc53495f8.png", "website": "https://www.weltio.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Weltio gives users access to a fully fledged brokerage account in USD, through unique features such as local instant cash rails, a robo-advisor, and tailored portfolios for the LatAm user. Starting with MX we’re going after a market with a potential in AUM of >$60B and 40M accounts", "one_liner": "First LatAm W3 WealthTech for AutoInvesting in securities & crypto", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1657547591, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Retail" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": false, "question_answers": false, "url": "https://www.ycombinator.com/companies/weltio", "api": "https://yc-oss.github.io/api/batches/summer-2022/weltio.json" }, { "id": 26661, "name": "Stream", "slug": "stream", "former_names": [ "Beam" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "website": "http://www.stream.claims", "all_locations": "San Francisco, CA, USA", "long_description": "At Stream, we’re on a mission to modernize the insurance industry. Our product—the Stream AI Claims Workbench—uses custom AI agents to turn a constant stream of PDFs into automated workflows and high-value signals. This helps claims teams focus on the human work—getting people the medical treatment they need and the benefits they’re owed—while reducing costs for insurance companies.", "one_liner": "The AI Claims Workbench automating insurance claims ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1656542941, "tags": [ "Fintech", "SaaS", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stream", "api": "https://yc-oss.github.io/api/batches/summer-2022/stream.json" }, { "id": 26681, "name": "Alma", "slug": "alma", "former_names": [ "Alma Financial", "Derisk", "Alma Financial" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/581364464788680f269b799b7681e692ba938361.png", "website": "https://www.myalmafi.com", "all_locations": "Seattle, WA, USA; Palo Alto, CA, USA; Remote", "long_description": "", "one_liner": "Gamified mobile banking app where people can win $1M every Wednesday", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1657738883, "tags": [ "Fintech", "Payments", "Gaming", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alma", "api": "https://yc-oss.github.io/api/batches/summer-2022/alma.json" }, { "id": 26704, "name": "Two Dots", "slug": "two-dots", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c738449ceac7bc3068c3a0510a285b6078503d.png", "website": "https://www.twodots.com", "all_locations": "San Francisco, CA, USA", "long_description": "We're building an AI consumer underwriting automation agent. ", "one_liner": "AI fraud prevention and underwriting agent", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1652906962, "tags": [ "Artificial Intelligence", "Fintech", "Real Estate", "B2B", "ML" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/two-dots", "api": "https://yc-oss.github.io/api/batches/summer-2022/two-dots.json" }, { "id": 26707, "name": "Chariot", "slug": "chariot-2", "former_names": [ "StreamD" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed1abcaa2a964bf97b774958baa4648406f9c9ca.png", "website": "https://givechariot.com/", "all_locations": "New York, NY, USA", "long_description": "Chariot is building the financial infrastructure for the $326 billion donor-advised fund (DAF) market, the fastest-growing segment of philanthropy. Our gift processing platform is an end-to-end solution for managing DAF payments, making it easier for grantmakers to send grant payments and nonprofits to receive, reconcile, and enrich their donation data.\r\n\r\nChariot also powers DAFpay, the industry’s first integrated DAF payment option and a TIME’s Best Invention of 2025. It is embedded on over 100,000 nonprofits’ donation forms—including American Cancer Society, Memorial Sloan Kettering Cancer Center, and University of Pennsylvania—and is a primary payment option on leading fundraising platforms like GoFundMe and GiveButter.\r\n\r\nHundreds of millions are already moving through Chariot’s platform, and we’re just getting started.", "one_liner": "A payment network connecting nonprofits to the $326B in DAFs", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1656346176, "tags": [ "Fintech", "SaaS", "Payments", "Nonprofit", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/chariot-2", "api": "https://yc-oss.github.io/api/batches/summer-2022/chariot-2.json" }, { "id": 26713, "name": "Pasito", "slug": "pasito", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/99d6144bd15df315cd76d735be86467d893d772a.png", "website": "https://pasito.ai", "all_locations": "New York, NY, USA; Remote", "long_description": "Pasito builds AI agents for insurance and benefits—transforming how benefits are built, delivered, and experienced.\r\n\r\nOur Core AI ingests and understands plan documents and employee census data to build structured benefit intelligence.\r\n\r\nOur Engagement AI Agents orchestrate complex workflows—powering decision support, plan comparisons, guides, highlight sheets, microsites, communications, claims reminders, RFP management, document audits, translations, and more—all from a single intelligent database.\r\n\r\nWith Pasito, carriers, brokers, and benefits vendors eliminate manual work, accelerate growth, and deliver the personalized benefits experiences employees deserve—all powered by compliant, scalable AI systems.\r\n\r\nBacked by Y Combinator, Core Innovation Capital, and other leading investors.", "one_liner": "AI agents for insurance and benefits", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1657142710, "tags": [ "Health Tech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pasito", "api": "https://yc-oss.github.io/api/batches/summer-2022/pasito.json" }, { "id": 26716, "name": "erad", "slug": "erad", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d0ed957088f6e7aa3ae2c4441c38d0cfd8d0fe4.png", "website": "https://erad.co/", "all_locations": "Riyadh, Riyadh Province, Saudi Arabia", "long_description": "erad provides startups in the Middle East with non-dilutive growth capital. Connect your sales, marketing and banking data and receive an offer within 48 hours. Get access to key insights and analysis about your business.", "one_liner": "Non-dilutive funding and payments in the Middle East", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1653900418, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Saudi Arabia", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/erad", "api": "https://yc-oss.github.io/api/batches/summer-2022/erad.json" }, { "id": 26719, "name": "Alterya", "slug": "alterya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f7e22aa96dc1d6baabade2bc3dad88a3cdc9bb8.png", "website": "https://www.alterya.dev/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Alterya helps financial institutions, fintechs, and crypto service providers prevent APP fraud by detecting scams targeting their users and exploiting their platform.", "one_liner": "Protecting Humans from Scams", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1654343424, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Analytics", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "Israel", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alterya", "api": "https://yc-oss.github.io/api/batches/summer-2022/alterya.json" }, { "id": 26724, "name": "Coupl", "slug": "coupl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "website": "https://coupl.money/", "all_locations": "Bengaluru, KA, India", "long_description": "Coupl is a digital joint account for Indian households. We help couples and families easily manage their shared and household payments from one shared account.\r\n\r\nOver 20 million Indians marry each year, creating a $300 billion market opportunity in household expenses. Couples juggle multiple accounts, cards, and expense-tracking tools. Joint accounts involve lengthy paperwork, rejections, and minimum balance requirements, making them inconvenient for modern couples. Beyond married couples, this need extends to engaged partners, live-in couples, roommates, and families seeking simpler ways to manage shared expenses.\r\n\r\nCoupl offers a digital, zero-balance joint account with co-branded debit cards and in-app bill payments, set up in just 60 seconds. Couples can use the account for all shared expenses, with an analytics dashboard to help them stay on top of their finances.\r\n\r\nCoupl is powered by RuPay, NPCI and IDFC FIRST Bank.", "one_liner": "Banking designed for Indian couples.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1659760442, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coupl", "api": "https://yc-oss.github.io/api/batches/summer-2022/coupl.json" }, { "id": 26725, "name": "ECSA", "slug": "ecsa", "former_names": [ "Kapstar", "ECSA", "E C S A", "KAPSTAR TECHNOLOGIES" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fc115c250b2dbc077b89ce7c920be25aab67b1a.png", "website": "http://ecsa.finance/", "all_locations": "Manaus, AM, Brazil", "long_description": "Our AI Agent runs the entire international trade operation: handles customs processes with government agencies and regulators, orchestrates cross-border payments, and provides credit solutions for trade finance.\r\n\r\n Built by ECSA, a Central Bank–licensed FX bank, the agent allows exporters and importers to move goods and money seamlessly across borders. \r\n\r\nToday it powers +USD 1b in annual volume across +17.000 transactions, cutting costs and eliminating regulatory friction.", "one_liner": "AI Agent runs the entire international trade operation", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655314683, "tags": [ "Artificial Intelligence", "Fintech", "Crypto / Web3", "Payments", "Supply Chain" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ecsa", "api": "https://yc-oss.github.io/api/batches/summer-2022/ecsa.json" }, { "id": 26727, "name": "Moneco", "slug": "moneco", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "website": "https://moneco.app/", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed. ", "one_liner": "Neobank for African migrants in Europe", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1657033408, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/moneco", "api": "https://yc-oss.github.io/api/batches/summer-2022/moneco.json" }, { "id": 26743, "name": "EthosX", "slug": "ethosx", "former_names": [ "Ethos" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/996567c41c2cfe38cba0451d132a3ac62a13e9ec.png", "website": "https://www.ethosx.finance/", "all_locations": "Claymont, DE, USA; Bengaluru, KA, India; Mumbai, MH, India; Remote", "long_description": "EthosX is a decentralized finance platform creating end-to-end financial derivatives on blockchains. No centralized exchanges, clearinghouses, depositories, clearing banks, CSD participants etc. required.\r\n\r\nWe are starting with cryptocurrency options first, with the intention to move towards other crypto derivatives and traditional finance derivatives eventually.\r\n\r\nFor example, one can buy a bitcoin hedging token directly from EthosX without involving any exchange or counterparty and earn profits when the bitcoin price is falling (similar to a put option). It is perpetual and is completely on-chain, end-to-end. It is held as a token in wallets and can be sold/transferred to anyone at any time.\r\n\r\nAt institutional level, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk.\r\n\r\nWe are also providing derivatives infrastructure to other crypto companies who want to use these products as a part of a larger package to their customers.\r\n\r\nGlobal derivatives ecosystem is broken. Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. Crypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences.\r\n\r\nWe at EthosX intend to pick the best of both worlds and change the way retail and institutional financial derivatives are traded world over.", "one_liner": "The protocol for derivatives on blockchains", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657620541, "tags": [ "DeFi", "Fintech", "Crypto / Web3", "Consumer", "B2B" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ethosx", "api": "https://yc-oss.github.io/api/batches/summer-2022/ethosx.json" }, { "id": 26749, "name": "Ballerine", "slug": "ballerine", "former_names": [ "Whis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40c2e4d4f16e7f43d9fe9f060296b72b7d16de22.png", "website": "http://www.ballerine.com", "all_locations": "", "long_description": "Ballerine is an AI-native risk intelligence platform built for financial institutions, acquirers, and payment providers that need to underwrite and monitor merchants at scale in real time.\r\n\r\nInstead of relying on fragmented point solutions, Ballerine unifies data from business registries, transaction patterns, sanctions lists, and web intelligence into one composable infrastructure. \r\n\r\nIts AI Agents continuously analyze these signals to deliver dynamic and explainable risk assessments across the merchant lifecycle.\r\nWith a modular architecture, teams can automate underwriting, detect emerging risks, and monitor merchant behavior while aligning to their own policies and compliance frameworks.\r\n\r\nUnlike traditional systems with static models, Ballerine’s AI Agents learn and adapt from live data, uncovering changes in merchant behavior that indicate fraud, laundering, or non-compliance.\r\n\r\nAlready deployed across multiple regions, Ballerine has enabled acquirers and fintechs to accelerate underwriting decisions, reduce manual reviews, and cut false positives, redefining how modern institutions manage merchant risk.\r\n", "one_liner": "Agentic Intelligence Layer for Merchant Risk Decisions", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659913917, "tags": [ "Compliance", "Fraud Detection" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ballerine", "api": "https://yc-oss.github.io/api/batches/summer-2022/ballerine.json" }, { "id": 26755, "name": "Sunlight", "slug": "sunlight", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "website": "https://www.sunlightapi.com/", "all_locations": "New York, NY, USA; Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Sunlight is an API to change the card-on-file with apps and subscription services. Fintechs use Sunlight to automatically make their cards top-of-wallet as soon as they're issued. \r\n\r\nMerchants, service providers and subscriptions-based businesses everywhere now offer their customers the ability to save a debit/credit card on file, so they can pay their bills on time, buy in one click, or earn rewards. In 2021, 79% of consumers worldwide reported already having at least one payment card saved with a service or being open to doing so. \r\n\r\nIn recent years, card-issuing as-a-service has become mainstream: any company can now start their own card business in a matter of weeks. Last year, the number of new payment cards issued was at an all-time high. For users, however, switching banks or opening a new card now comes with an additional hurdle: they need to update their payment info across the internet. On the other side of that equation, card issuers have no visibility or control over the card-on-file updating process, and as a result struggle to get their new users to switch their spend from their old card to the new one, leading to low conversion rates and missed revenue opportunities.\r\n\r\nUntil Sunlight.\r\n\r\nWith our universal get-your-card-on-file API, FIs can now offer their users, at any point in their journey, a quick and easy way to update their debit/credit card info everywhere they shop or pay online, without ever leaving their Apps.\r\n\r\nThe Sunlight API works on every platform that has a card-on-file option (think Uber, Amazon, Netflix, DoorDash, Starbucks and so many more…), is as seamless as a Plaid connection, and always gets the card number and CVV code right on the first try!", "one_liner": "The Universal Card-On-File API", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655927638, "tags": [ "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Israel", "America / Canada", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sunlight", "api": "https://yc-oss.github.io/api/batches/summer-2022/sunlight.json" }, { "id": 26764, "name": "Tranch", "slug": "tranch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8b861c2c1bab1a070d8a629f1ffa13248ae51a6.png", "website": "https://tranch.com", "all_locations": "London, England, United Kingdom", "long_description": "Tranch is the invoice to payments platform for enterprises who want to optimize cash flow by offering their business clients an unparalleled payment experience.\r\n\r\nBased out of New York City and London we enable Services firms, software and marketplaces to be paid faster via our automated invoice to payment solutions. Our frictionless payment methods include Pay Now via FedNow, Pay by Card, Pay by Crypto and Pay Later from 2 to 12 months up to $1M.\r\n\r\nFind out more about how we simplify and accelerate accounts receivables for enterprises with the most innovative workflows and payment solutions at www.tranch.com.\r\n\r\nTranch is backed by leading investors including: Global Founders Capital, TracVC, UpHonest Capital, Soma Capital, FoundersX and Y Combinator.", "one_liner": "Tranch is the invoice to payments platform for enterprises.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1652970732, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tranch", "api": "https://yc-oss.github.io/api/batches/summer-2022/tranch.json" }, { "id": 26770, "name": "Bridgecard", "slug": "bridgecard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "website": "https://bridgecard.cards", "all_locations": "Lagos, LA, Nigeria", "long_description": "Bridgecard makes it easy for fintechs to issue MasterCard or Visa cards that work anywhere in the world. We provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in weeks instead of months.\r\n\r\nFor nearly three years, we’ve supported Africa’s top startups with stable, high-growth card solutions. Thanks to our stability, over 50% of our clients have grown their volumes by more than 5X within 6 months. Our commitment is to deliver great cards that work, provide reliable support, and unbeatable uptime so that your users can be satisfied.", "one_liner": "Card issuer for Africa", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1660576632, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bridgecard", "api": "https://yc-oss.github.io/api/batches/summer-2022/bridgecard.json" }, { "id": 26778, "name": "Blee", "slug": "blee", "former_names": [ "inReal" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b50abb1455badd5a7f2f1bbd879bfd105b4cf71a.png", "website": "https://www.blee.com", "all_locations": "New York, NY, USA", "long_description": "Blee easily integrates across the content creation workflow, combining instant feedback and faster approvals with scalable review and recordkeeping. Helping companies maximize revenue by moving faster to market while minimizing risk", "one_liner": "Smart, fast, and collaborative compliance reviews ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1662135686, "tags": [ "Fintech", "LegalTech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/blee", "api": "https://yc-oss.github.io/api/batches/summer-2022/blee.json" }, { "id": 26794, "name": "Capix", "slug": "capix", "former_names": [ "Supercool", "Blockfy", "Kubefy", "CapixAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2790b307969e113fe655dd576fbc316e90c13310.png", "website": "http://capix.ai/", "all_locations": "New York, NY, USA", "long_description": "Capix makes finding private equity firms fast and accurate by aggregating and enriching data from multiple sources into one customizable platform.", "one_liner": "AI-powered private equity intelligence.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659418447, "tags": [ "Fintech", "Finance", "Sales Enablement" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/capix", "api": "https://yc-oss.github.io/api/batches/summer-2022/capix.json" }, { "id": 26795, "name": "Gullak Money", "slug": "gullak-money", "former_names": [ "Gullak (Piggy Bank is known as Gullak in Hindi)", "Gullak" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02dc5ca39f0b84d551575438e1537fbaa5ba8983.png", "website": "https://gullak.money", "all_locations": "Bengaluru, KA, India", "long_description": "Gullak is a mobile app that automates savings & invests these in Gold. We launched in India 60 days ago and have grown from 0 to 40k transacting users and hit a monthly GTV of $280K already. We are growing 25% week on week.\r\n\r\nIndia is a nation of savers but the way the majority of India saves is non-smart & does not create wealth. There are 200 Mn Indians who save manually in bank deposits, the returns from these instruments do not even beat India's inflation. \r\n\r\nGold is an instrument that India loves - 30Bn worth gold is purchased in India every year by middle income households. Gold has great cultural significance in India & there is high familiarity with the asset class. Despite gold being a familiar asset class & giving 5% higher returns than bank deposits, 200 Mn Indians still save manually in these non wealth creating bank deposits. This is largely because the ways to save in Gold required painful discrete activities such as manually accumulating money to buy gold, going to offline stores to buy this gold, incurring storage charges & more. The minimum ticket size for purchasing gold at these stores is $50 adding to more friction to saving in Gold.\r\n\r\nUsing automated savings, Gullak now makes it extremely easy for users to save small amounts regularly($1/day) in digital Gold.This was not possible a year ago because the underlying infrastructure(UPI Autopay) was missing. \r\n\r\nWith 50 Mn Indians saving $2/day & with gold backed lending, this is a $1.5Bn market opportunity.\r\n\r\nGullak’s Founding team is the team which built BHIM UPI App(10Mn Downloads in 10 Days), this was launched by the PM of India. We built large scale payment systems for partners like GooglePay / Amazon, processing more than 30Mn payments/day. This is the same team that has built more than 40+ consumer brands & their initial growth strategy.\r\n", "one_liner": "Gullak automates savings & invests these in gold", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659945230, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gullak-money", "api": "https://yc-oss.github.io/api/batches/summer-2022/gullak-money.json" }, { "id": 26797, "name": "Rio", "slug": "rio", "former_names": [ "Rampa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.png", "website": "https://www.rio.trade", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Rio is the premier stablecoin liquidity provider for the LATAM market. We enable access to stablecoins for financial innovators to scale their products.", "one_liner": "LATAM’s largest stablecoin FX and liquidity provider", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1658795593, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Latin America" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rio", "api": "https://yc-oss.github.io/api/batches/summer-2022/rio.json" }, { "id": 26803, "name": "Tank Payments", "slug": "tank-payments", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.png", "website": "https://www.tankpayments.com/", "all_locations": "Austin, TX, USA", "long_description": "Tank Payments is building modern financial infrastructure for the trucking industry. We offer payables automation software for logistics businesses that make hundreds of payments to trucking businesses every day. For trucking businesses, we provide a best-in-class banking platform, designed to meet the unique financial needs of the trucking sector.", "one_liner": "Modern financial infrastructure for the trucking industry.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1659420849, "tags": [ "Fintech", "SaaS", "Payments", "Logistics", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tank-payments", "api": "https://yc-oss.github.io/api/batches/summer-2022/tank-payments.json" }, { "id": 26881, "name": "Bitstack", "slug": "bitstack", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6506d6d40e0fefed9444b740b5be015ee0d8f5a3.png", "website": "https://www.bitstack-app.com", "all_locations": "Paris, Île-de-France, France", "long_description": "Bitstack is building a new neobank powered by crypto. Bitstack has gone from a simple product that turns your spare change into bitcoin to a bitcoin-native neobank that is bringing a better way to manage all things money, with better money. We believe getting started with Bitcoin should be simple, fun and accessible to everyone.\r\n\r\nBitcoin is an unparalleled financial alternative: a radically new way to transact and store value all around the world. It is a new kind of currency that isn't centrally controlled by any business, government or bank and that cannot be debased. Bitcoin will redefine the future of finance, from payments to savings, and wealth preservation. It is the first open and borderless monetary network with a fixed supply of 21 million, making bitcoin the most scarce financial asset ever.", "one_liner": "All things money, with better money", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657049685, "tags": [ "Crypto / Web3", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bitstack", "api": "https://yc-oss.github.io/api/batches/summer-2022/bitstack.json" }, { "id": 26884, "name": "Alphawatch AI", "slug": "alphawatch-ai", "former_names": [ "StableBank", "AlphaWatch AI", "RaptorGrid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5142d0a3656cea04017d1b306be0d076b4873877.png", "website": "https://alphawatch.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Alphawatch AI offers a secure document agent that allows you to manipulate and convert PDF and Word files, along with your internal knowledge in your knowledge base.", "one_liner": "Secure Document Agent", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1675123352, "tags": [ "Generative AI", "Finance", "Workflow Automation", "Enterprise", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alphawatch-ai", "api": "https://yc-oss.github.io/api/batches/winter-2023/alphawatch-ai.json" }, { "id": 26897, "name": "AviaryAI", "slug": "aviaryai", "former_names": [ "Cambio" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40b545f0827e44a735f2287cc0b17aea7e65e7ff.png", "website": "http://www.helloaviary.ai", "all_locations": "Chicago, IL, USA", "long_description": "AviaryAI is the industry's first outbound AI service team for banks, credit unions, and insurance companies. In a landscape where only 18% of financial service providers make proactive outbound calls and rely heavily on emails, AviaryAI offers a groundbreaking solution. Powered by a private LLM, our suite of products helps institutions leverage Generative AI while adhering to stringent regulatory and compliance standards.", "one_liner": "Outbound AI voice agents for the financial services industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1654737893, "tags": [ "Fintech", "B2B", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aviaryai", "api": "https://yc-oss.github.io/api/batches/summer-2022/aviaryai.json" }, { "id": 26901, "name": "FlyCode", "slug": "flycode", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "website": "https://www.flycode.com", "all_locations": "Boston, MA, USA", "long_description": "FlyCode helps subscription merchants maximize revenue. We reduce involuntary churn by managing payment failures intelligently.\r\n\r\nWe’re Jake, Etai, and Tzachi and we’re building FlyCode.\r\n\r\nTL;DR: If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\r\n\r\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\r\n\r\n❌ THE PROBLEM: Recovering Failed Payments is Complex\r\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\r\n\r\n💰 Bottom line?\r\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\r\n\r\nFLYCODE SOLUTION 💡\r\nFlyCode leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\r\n\r\n⚡️Automatically recover failed subscription payments and reduce passive churn\r\n\r\n⚡️Use ML & AI based payment optimization to find the best time to charge your customers\r\n\r\n⚡️ Improve customer experience by coordinating payment retries with customer emails/SMS\r\n\r\n🛠️ We support OOTB + Custom Integrations for Merchants and White-Label for Platforms\r\n", "one_liner": "Recover failed subscription payments to increase retention and LTV", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657031035, "tags": [ "Artificial Intelligence", "Fintech", "Payments", "E-commerce", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flycode", "api": "https://yc-oss.github.io/api/batches/summer-2022/flycode.json" }, { "id": 27045, "name": "Argovox", "slug": "argovox", "former_names": [ "Ruffo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/623713958db43f2325683bc120f59f299af5545e.png", "website": "https://www.argovox.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help healthcare providers increase profitability and cashflow by automating their patient billing and collections processes.\r\n\r\nToday, healthcare providers in the US are leaving up to 20% of their profit margins on the table due to subpar patient billing and collections processes. Billing patients and collecting their payments is a complex process that requires specialized skills and a lot of effort. Traditionally, healthcare providers have done this manually, with limited automation around one-way reminders. This leads to limited engagement with payers and subpar collection results.\r\n\r\nArgovox changes this by making new levels of payer engagement possible at scale. Through both voice and text conversations, our AI agents can engage in complex, multi-turn patient billing and collection conversation. This leads higher engagement with payers and optimal collection results.", "one_liner": "Voice AI agents for patient billing and collections", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655180175, "tags": [ "Fintech", "Healthcare", "LegalTech", "Call Center", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/argovox", "api": "https://yc-oss.github.io/api/batches/summer-2022/argovox.json" }, { "id": 27048, "name": "Payfura", "slug": "payfura", "former_names": [ "Rampay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.png", "website": "https://www.payfura.com", "all_locations": "Delaware City, DE, USA; Delhi, DL, India; Remote", "long_description": "Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods.\r\n\r\nKey Features:\r\n- Currencies supported: 150+ fiat currencies, 100+ crypto currencies.\r\n- Regions supported: US, Europe, LATAM, SEA, Africa.\r\n- Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more.\r\n- Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders\r\n- Handle KYC and AML compliances of local regions.\r\n- API and SDK integration.", "one_liner": "Global payment gateway to buy/sell crypto", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655701269, "tags": [ "DeFi", "Fintech", "SaaS", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/payfura", "api": "https://yc-oss.github.io/api/batches/summer-2022/payfura.json" }, { "id": 27049, "name": "Anchor", "slug": "anchor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "website": "https://getanchor.co/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Anchor provides APIs, dashboard and tools that help developers easily embed and build banking products. This includes APIs for creating bank accounts, funds transfers, savings products, issuing cards and offering loans.\r\n\r\nWe also provide regulatory coverage and continuous compliance support to our partners.", "one_liner": "Embedded finance platform for African businesses", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1660159414, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/anchor", "api": "https://yc-oss.github.io/api/batches/summer-2022/anchor.json" }, { "id": 27086, "name": "AiPrise", "slug": "aiprise", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/770962df89cc8c39a3d3d7296d9e2bc0f02b1ea2.png", "website": "https://aiprise.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Verify your customers globally with a single platform. Get 800+ data points on each business and 100+ data points on each individual and onboard with confidence.", "one_liner": "AI-powered Global Compliance Platform", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656614505, "tags": [ "Fintech", "B2B", "Identity", "Compliance", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aiprise", "api": "https://yc-oss.github.io/api/batches/summer-2022/aiprise.json" }, { "id": 27094, "name": "nsave", "slug": "nsave", "former_names": [ "Masref" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7bc3b22de4f9bb839b5daa69fa3ee21bb19e5fb.png", "website": "https://www.nsave.com", "all_locations": "London, England, United Kingdom", "long_description": "nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.", "one_liner": "Trusted $€£ accounts abroad for people from unstable economies.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659872123, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nsave", "api": "https://yc-oss.github.io/api/batches/summer-2022/nsave.json" }, { "id": 27137, "name": "PrimeVault", "slug": "primevault", "former_names": [ "Exchecker", "Excheqr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.png", "website": "https://www.primevault.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "PrimeVault is the all-in-one digital asset and stablecoin platform for enterprises and financial institutions. Built for modern finance, PrimeVault combines secure wallets, programmable treasury, compliance, and market access in one seamless solution. \r\n\r\nWith robust security and modular infrastructure, PrimeVault empowers institutions to issue, manage, and move digital assets at scale.\r\n\r\nDiscover how we makes digital asset finance simple at primevault.com.", "one_liner": "Infrastructure powering stablecoin and digital finance", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1659127326, "tags": [ "Fintech", "Crypto / Web3", "Payments", "B2B", "Infrastructure" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/primevault", "api": "https://yc-oss.github.io/api/batches/summer-2022/primevault.json" }, { "id": 27150, "name": "Drip", "slug": "drip", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/daa4c79b64eaa4047ce7c01e17626b3c4aa7bbee.png", "website": "https://dripapp.com.br/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Drip combines the best of Pix and a credit card. We enable customers to pay with credit and earn 2%+ cashback with the speed and widespread acceptance of Pix.\r\n\r\nThrough our app customers can onboard, shop nearly anywhere and manage their payments. We're enabling transactions via Pix's existing network (85%+ of e-comm).", "one_liner": "Shop and pay in installments anywhere ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1654285945, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/drip", "api": "https://yc-oss.github.io/api/batches/summer-2022/drip.json" }, { "id": 27160, "name": "Drahim 💰", "slug": "drahim", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/96103cd7aac43855d9ebc13e579a9aacb9a1126b.png", "website": "https://drahim.sa", "all_locations": "Riyadh, Riyadh Province, Saudi Arabia", "long_description": "\"Drahim\" is a slang for money in Arabic (from the ancient Greek Drachma).\r\n\r\nThe app integrates with banks and provides individuals meaningful spending insights and generates auto savings and investment advice.\r\n\r\nFor the meaningful insights, the app integrates with banks and automatically categorizes all of your transactions (All of your accounts in one place) and spots spending patterns and behaviors.\r\n\r\nDrahim then suggests a saving and investing plan that allows the user to continue living comfortably and to keep spending guilt-free.\r\n\r\nOur focus is not necessarily to save you money, rather we grow your money discreetly. Drahim allows you to continue spending but feeling way better doing it.", "one_liner": "WealthFront for Saudi & Middle East", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1653766161, "tags": [ "Fintech", "Analytics", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Saudi Arabia", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/drahim", "api": "https://yc-oss.github.io/api/batches/summer-2022/drahim.json" }, { "id": 27178, "name": "Pump.co", "slug": "pump-co", "former_names": [ "Pump" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e52daa194550c954ede0338084d6994d0aeefde.png", "website": "https://www.pump.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Pump saves up to 60% off AWS for early stage startups, and for free (yes, that's right). Using group buying and AI, Pump automates cost savings that require no engineering effort. #GetPumped ", "one_liner": "The Costco for cloud is here 🔥🔥", "team_size": 75, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1681178261, "tags": [ "Artificial Intelligence", "FinOps", "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pump-co", "api": "https://yc-oss.github.io/api/batches/summer-2022/pump-co.json" }, { "id": 27191, "name": "AlgoTest", "slug": "algotest", "former_names": [ "Fintrix" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee27828a872551486a5a61cefdc3f0f73dca1b91.png", "website": "https://algotest.in", "all_locations": "Delhi, DL, India", "long_description": "AlgoTest is an algorithmic options trading platform for Indian retail traders. For the first time ever, day traders will be able to trade using the same technology as the top hedge funds and high-frequency trading firms of the world.\r\n\r\nThe company is founded by Raghav Malik (Financial Engineering @ Columbia Univ), an HFT technologist and former options market-maker in the US.", "one_liner": "Ecosystem for options trading in India", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658736780, "tags": [ "Fintech", "No-code" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/algotest", "api": "https://yc-oss.github.io/api/batches/summer-2022/algotest.json" }, { "id": 27194, "name": "REVER", "slug": "rever", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3a30a32b053472aa128b79b5f8e1a099aa963a1b.png", "website": "https://itsrever.com/", "all_locations": "Barcelona, CT, Spain; CT, Spain", "long_description": "We receive any product in 24h anywhere on the planet, but... Why can't we also return & get refunded just as quickly?\r\n\r\nREVER is a game-changing shopping experience that makes eCommerce returns possible in 2 clicks and refunds in 24h.\r\n\r\nThe REVER team is shaping the future of eCommerce bringing frictionless, superfast and sustainable returns to everyone, anytime, anywhere. Because returning should be as easy as buying. \r\n\r\nREVER's ambition is to dominate ALL eCommerce post-sale services by creating the world's first global platform for online returns.\r\n\r\nREVER is currently handling +100M€ in yearly returns, with more than 50M€ in revenues\r\n\r\nIf you are an eCommerce and want to revolutionise your returns experience find out more at: www.itsrever.com", "one_liner": "Changing the way people buy by giving superpowers to shoppers", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658154864, "tags": [ "Fintech", "SaaS", "B2B", "Logistics", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rever", "api": "https://yc-oss.github.io/api/batches/summer-2022/rever.json" }, { "id": 27205, "name": "Kashin", "slug": "kashin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "website": "https://kashin.app/", "all_locations": "Lima, Callao Region, Peru; Lima, Lima Province, Peru; Remote", "long_description": "Credit for the emerging economy in Latam.\r\nWe have 10K users and nearly $2M in annualized revenue, from our small loans to micro-merchants and individuals in the informal economy.\r\nWe do our underwriting with our proprietary AI risk model processing 250+ variables from the user's smartphone and credit bureau.", "one_liner": "Credit for the emerging economy in Latam", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1659548596, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Peru", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kashin", "api": "https://yc-oss.github.io/api/batches/summer-2022/kashin.json" }, { "id": 27250, "name": "Axle", "slug": "axle", "former_names": [ "Axle (Axle Labs", "Inc.)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.png", "website": "https://axle.insure", "all_locations": "New York, NY, USA", "long_description": "Axle is the AI-native clearinghouse for property and casualty insurance. Our infrastructure and AI agents automate complex insurance workflows for third parties including verification, monitoring, and policy updates. We've helped Fortune 500 businesses like Rocket Mortgage, Avis, and Experian speed up workflows by 95% while recovering over $220M in potential losses. Axle is backed by Gradient, Y Combinator, and the founding team of Plaid.", "one_liner": "AI-native clearinghouse for insurance", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658084084, "tags": [ "Developer Tools", "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/axle", "api": "https://yc-oss.github.io/api/batches/summer-2022/axle.json" }, { "id": 27252, "name": "Landeed", "slug": "landeed", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6ad200a24281fdd6a8a1c278067a5acc87ff1dab.png", "website": "https://www.landeed.com/", "all_locations": "Hyderabad, Telangana, India", "long_description": "Landeed is the AI-native digital infrastructure for property intelligence, verification, and transactions in India. We provide read/write rails that transform fragmented property and regulatory systems into continuously verified, machine-interpretable state. Powered by Terra, our proprietary property intelligence engine, Landeed converts messy, multi-source records into structured, queryable knowledge that supports legal-grade due diligence, collateral verification, title search, transfers, and property payments. With coverage across 24 states, enterprises go live nationally from day one. We are trusted by Fortune India 500 companies across BFSI, real estate, and retail.\r\n\r\nLandeed is the blue tick for property.", "one_liner": "Landeed is India’s digital infrastructure for property intelligence,…", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656366086, "tags": [ "Documents", "Artificial Intelligence", "Fintech", "Legal", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/landeed", "api": "https://yc-oss.github.io/api/batches/summer-2022/landeed.json" }, { "id": 27260, "name": "Coverage Cat", "slug": "coverage-cat", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "website": "https://www.coveragecat.com/", "all_locations": "New York, NY, USA; Remote", "long_description": "Coverage Cat, the AI-native insurance broker, fixes your coverage limits and finds cheaper premiums. \r\n\r\nWe provide both AI and human support so you can get fast answers on your policy and quickly get a response from a human agent so you can protect you assets or close on a new home. \r\n\r\nThe AI-first approach drives core search, support and shopping experiences to ensure you get the best prices with the correct coverage. ", "one_liner": "Consumer Optimized Insurance", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1659454514, "tags": [ "Fintech", "Machine Learning", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coverage-cat", "api": "https://yc-oss.github.io/api/batches/summer-2022/coverage-cat.json" }, { "id": 27262, "name": "Pivo Technology Inc", "slug": "pivo-technology-inc", "former_names": [ "Pivo Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.png", "website": "http://www.pivo.africa", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains.\r\n\r\nStarting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems.\r\n\r\nThis will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow. ", "one_liner": "Digital Bank for Freight Carriers in Africa.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656940518, "tags": [ "Fintech", "Payments", "B2B", "Supply Chain", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pivo-technology-inc", "api": "https://yc-oss.github.io/api/batches/summer-2022/pivo-technology-inc.json" }, { "id": 27267, "name": "Ping", "slug": "ping", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9b87c65de1557a4548c55d16dabf0051c7a1e7d.png", "website": "https://www.letsping.com/", "all_locations": "Buenos Aires, CABA, Argentina; Miami, FL, USA; Remote", "long_description": "Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.\r\n", "one_liner": "The global neo-bank for contractors and freelancers", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657547998, "tags": [ "Crypto / Web3", "Payments", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Argentina", "United States of America", "Latin America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ping", "api": "https://yc-oss.github.io/api/batches/summer-2022/ping.json" }, { "id": 27669, "name": "Laminate", "slug": "laminate", "former_names": [ "laminate" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9a8e80c0706c21a5dbb22cbba1cbd67df40314d5.png", "website": "https://www.uselaminate.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1670987296, "tags": [ "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/laminate", "api": "https://yc-oss.github.io/api/batches/winter-2023/laminate.json" }, { "id": 27670, "name": "Finvest", "slug": "finvest", "former_names": [ "Move", "Shyp" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/61b78a6a5ac4fd9c4582af51db8cfe1bf6e05bc1.png", "website": "https://www.getfinvest.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Building Finn, an AI wealth manager for the mass affluent households. Finn understands a user’s full financial picture, monitors it continuously, and helps them take action across investing, cash, taxes, and debt.", "one_liner": "AI Wealth Manager", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678100153, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finvest", "api": "https://yc-oss.github.io/api/batches/winter-2023/finvest.json" }, { "id": 27674, "name": "OneText", "slug": "onetext", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9918e6f95f34bd512b7ab9b29b23ebfc3b8a58dd.png", "website": "https://onetext.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "OneText is disrupting SMS marketing and payments. We win incremental sales for direct to consumer brands by making every purchase as effortless as paying with your hotel room number. OneText shoppers literally reply and buy with one text.\r\n\r\nIn our first year, we’ve onboarded 50 fast-growing e-commerce brands and have added as much as 14% in incremental revenue to their bottom lines. In March, we generated $597,000 dollars in payments. In April, we’ll book $50,000 dollars in revenue. \r\n\r\nFounders Jonathan Fudem/CEO and Daniel Brain/CTO met at PayPal Checkout where we designed and launched some of the world’s best checkout experiences. We left PayPal to build a payments company that actually helps merchants acquire customers and win sales.\r\n\r\nThe CMO of our largest customer, a $90M clothing brand, says we have revolutionized marketing for his company, and are, quote: “the best thing that’s happened to SMS marketing in forever.”\r\n\r\nWe are excited to share what you can do with OneText.", "one_liner": "Frictionless payments via SMS", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1666741733, "tags": [ "Fintech", "Payments", "Consumer", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/onetext", "api": "https://yc-oss.github.io/api/batches/winter-2023/onetext.json" }, { "id": 27694, "name": "Paperplane", "slug": "paperplane", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "website": "https://www.paperplane.ai/", "all_locations": "New York, NY, USA", "long_description": "Paperplane helps builders', plumbing, and timber merchants mitigate their credit risk by predicting which customers will default 4+ weeks before anyone else. Instead of relying solely on credit reports and lagging public data, Paperplane uses the company's own transaction data and customer knowledge directly from sales reps to make more accurate predictions in real-time. ", "one_liner": "Credit risk management platform for builders' merchants", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1677010587, "tags": [ "Fintech", "SaaS", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/paperplane", "api": "https://yc-oss.github.io/api/batches/winter-2023/paperplane.json" }, { "id": 27740, "name": "Mercoa", "slug": "mercoa", "former_names": [ "Dinora" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b67b90e4f6e84745cd503648bae4a2ed818421e4.png", "website": "http://mercoa.com", "all_locations": "San Francisco, CA, USA", "long_description": "Mercoa helps AP and Spend management platforms drive more virtual card volume from their BillPay customers. Our agent identifies card-eligible invoices and securely pays them through supplier portals or payment links. ", "one_liner": "AI Agent for Billpay platforms to pay invoices with virtual cards", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1676998433, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/mercoa", "api": "https://yc-oss.github.io/api/batches/winter-2023/mercoa.json" }, { "id": 27806, "name": "Ruby Card", "slug": "ruby-card", "former_names": [ "Ruby Card, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cbe3ea3f22fe3582cf726551f2d874c197a6aa0.png", "website": "https://www.spendruby.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Ruby is a neobank that offers e-commerce businesses a flexible spend management solution and direct integrations with commerce platforms. \r\n\r\nBy combining banking and commerce data, Ruby provides businesses with a real-time, unified view of their financial health and money movement, empowering them to make better financial decisions and scale their operations.", "one_liner": "Neobank for e-commerce businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1678731837, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ruby-card", "api": "https://yc-oss.github.io/api/batches/winter-2023/ruby-card.json" }, { "id": 27812, "name": "Dataglade", "slug": "dataglade", "former_names": [ "Feather" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/744f46d0d325c233ded71498a19cdf197a21cade.png", "website": "https://dataglade.com", "all_locations": "New York, NY, USA", "long_description": "Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.", "one_liner": "The smart way to research stocks.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677170450, "tags": [ "Fintech", "Generative AI", "SaaS", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/dataglade", "api": "https://yc-oss.github.io/api/batches/winter-2023/dataglade.json" }, { "id": 27817, "name": "loopfour", "slug": "loopfour", "former_names": [ "Loopfour", "JustPaid.io (Loopfour Inc)", "Loopfour Inc", "JustPaid (Loopfour Inc)", "JustPaid", "JustPaid.io", "JustPaid.ai", "JustPaid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/16284384d06d6162a400238a8b4e998e471fe35b.png", "website": "https://www.loopfour.com", "all_locations": "Mountain View, CA, USA; Remote", "long_description": "Deterministic, auditable automation for the finance workflows your team dreads. We build and run it on your existing stack. You approve only the exceptions.", "one_liner": "AI for finance, without the black box.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1676918637, "tags": [ "AI-Enhanced Learning", "Artificial Intelligence", "Fintech", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/loopfour", "api": "https://yc-oss.github.io/api/batches/winter-2023/loopfour.json" }, { "id": 27832, "name": "Trigo", "slug": "trigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "website": "https://trigodata.com/", "all_locations": "New York, NY, USA; Remote", "long_description": "Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. No solution exists to consistently furnish this rent verification to landlords and lenders today. The largest database has only 3% coverage of rent data.\r\n\r\nTrigo is a Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We are repeat founders with consumer data and finance experience across Harvard, Citigroup, Experian, and Amazon.", "one_liner": "Rent verification API for landlords and lenders", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1675306671, "tags": [ "Fintech", "B2B", "Proptech", "API", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/trigo", "api": "https://yc-oss.github.io/api/batches/winter-2023/trigo.json" }, { "id": 27842, "name": "Chart", "slug": "chart", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09db813dada056c514e465d4e87a8f422f954e3c.png", "website": "https://trychart.com", "all_locations": "San Francisco, CA, USA", "long_description": "Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.", "one_liner": "Realtime Access to Verified Tax Records", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677011489, "tags": [ "FinOps", "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/chart", "api": "https://yc-oss.github.io/api/batches/winter-2023/chart.json" }, { "id": 27859, "name": "No Cap", "slug": "no-cap", "former_names": [ "Carbon Science", "Carbon Search", "Intently", "Socap.ai" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cf30e5fb4585b9d43dd92dd9ebe9b279cd7f68a.png", "website": "https://www.nocap.so", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The world's first AI agent that coaches founders & invests in them. Currently led by a repeat AI founder Alexander Nevedovsky (exit to Farfetch), who joined post-YC batch: https://www.linkedin.com/in/ednevsky 👋", "one_liner": "AI startup investor, No Cap", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1680292727, "tags": [ "Artificial Intelligence", "Investing", "Fundraising" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/no-cap", "api": "https://yc-oss.github.io/api/batches/winter-2023/no-cap.json" }, { "id": 27862, "name": "Bluedot", "slug": "bluedot", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8fd6f1d5fb7457d7a65b3b8719a1b2c7f07928b.png", "website": "https://thebluedot.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets. They're growing 40-45% weekly and made $110K GMV last week.\r\n\r\nOver 50% of vehicles sold will be electric by 2030. The payments management infrastructure for EV charging and the expenses doesn’t exist at the moment. The founders operated 100+ EV charging stations, worked in companies like Zipcar, Bosch, and Mercedes, and faced this problem through their own experiences. They built a team with a strong fintech background and publicly launched their Bluedot card on Dec 14th, 2022.\r\n\r\nBluedot has raised their pre-seed from Y Combinator, Axel Springer, Porsche, Ford, TechNexus, DRF, and Pritchard Automotive. ", "one_liner": "Bluedot is a single payment platform for EV drivers and fleets.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677704231, "tags": [ "Fintech", "Climate", "Transportation", "ClimateTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bluedot", "api": "https://yc-oss.github.io/api/batches/winter-2023/bluedot.json" }, { "id": 27915, "name": "Rainmaker", "slug": "rainmaker", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4513fcb84fa72bcdfce26d3a22b34e43edaa1e49.png", "website": "http://www.rainmaker.nyc", "all_locations": "", "long_description": "Rainmaker is an account abstraction-based crypto wallet that makes DeFi investing simple and fast. Set up a wallet with just an email, instantly deposit funds from your bank or credit card, and invest in DeFi without gas fees.", "one_liner": "DeFi for Everyone", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678219500, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rainmaker", "api": "https://yc-oss.github.io/api/batches/winter-2023/rainmaker.json" }, { "id": 27936, "name": "ClickPe", "slug": "clickpe", "former_names": [ "FinX", "DailyPe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "website": "https://clickpe.ai/", "all_locations": "Surat, GJ, India", "long_description": "Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital.\r\n\r\nTherefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. \r\n\r\nEvery day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.", "one_liner": "Finance on a Click", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1679390801, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/clickpe", "api": "https://yc-oss.github.io/api/batches/winter-2023/clickpe.json" }, { "id": 27943, "name": "Hadrius", "slug": "hadrius", "former_names": [ "Quantbase" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/baeea0b99bf74c18e8e63d396a18ee00083f0359.png", "website": "https://www.hadrius.com", "all_locations": "New York, NY, USA", "long_description": "Hadrius allows regulated financial firms of all sizes to consolidate and automate their compliance processes using AI in one platform. Today, we're securing compliance for $3T+ AUM across our clients.\r\n\r\nWe're building the AI that will regulate the US financial system and the trillions that flows through it.", "one_liner": "Automating Securities Compliance", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1668714980, "tags": [ "SaaS", "B2B", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hadrius", "api": "https://yc-oss.github.io/api/batches/winter-2023/hadrius.json" }, { "id": 27952, "name": "Finic", "slug": "finic", "former_names": [ "Triton", "Buff", "Sidekick", "Psychic", "Dealwise" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06180819ad31c1d2ee1b4b62d506fd5e7655aec4.png", "website": "https://www.finic.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Finic helps fraud teams catch organized fraud earlier, act on it faster, and turn discoveries into lasting defenses. Our AI agent analyzes structured and unstructured data across your systems to proactively surface the fraud that rules and scoring models miss.", "one_liner": "The AI fraud hunter", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677272534, "tags": [ "Compliance", "Enterprise", "Automation", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finic", "api": "https://yc-oss.github.io/api/batches/winter-2023/finic.json" }, { "id": 27953, "name": "Koywe", "slug": "koywe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "website": "https://koywe.com", "all_locations": "Miami, FL, USA; Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico; Remote", "long_description": "We provide simple, well-documented, and fully compliant payments APIs and interfaces so that any company can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.", "one_liner": "Crypto On and Off Ramp for Latam", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673033105, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Chile", "Mexico", "America / Canada", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/koywe", "api": "https://yc-oss.github.io/api/batches/winter-2023/koywe.json" }, { "id": 27957, "name": "Infinia", "slug": "infinia", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7fe17d09bdbf7258b587a47e734d932c0b1886d.png", "website": "https://www.infiniaweb.com/", "all_locations": "", "long_description": "Infinia enables fintechs, businesses, and banks to bridge stablecoins with local payment rails in emerging markets. Ianai, the CEO, was part of the founding team at dLocal, where he helped grow the company from $0 to $100M in ARR.\r\n\r\n", "one_liner": "Move money programmatically", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1668175381, "tags": [ "Payments", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/infinia", "api": "https://yc-oss.github.io/api/batches/winter-2023/infinia.json" }, { "id": 27968, "name": "Alaan", "slug": "alaan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "website": "https://www.alaan.com/", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "Alaan is an AI-native finance platform for businesses in the Middle East. We combine corporate cards, a business bank account*, international transfers, expense management, and accounting automation into one platform, with intelligence baked into every finance workflow.\r\n\r\nOur mission is to simplify finance for businesses in the Middle East and help them prosper. We've grown rapidly, and now work with over 3,000 startups, mid-market, and enterprise customers, doing tens of millions of dollars in monthly payment volume. We've been default alive since our launch in August 2022, and raised one of the largest Series A rounds in Middle East history, backed by Peak XV (formerly Sequoia India).\r\n\r\nWant to join us? Check out alaan.com/careers\r\n\r\n*Alaan is a fintech company, not a bank. The business bank account is issued by ruya.", "one_liner": "Modern finance platform for the Middle East", "team_size": 160, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1671191601, "tags": [ "Fintech", "Payments", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alaan", "api": "https://yc-oss.github.io/api/batches/winter-2023/alaan.json" }, { "id": 27986, "name": "Rally Tax", "slug": "rally-tax", "former_names": [ "Trade94", "iNri", "Trade94", "Inri", "iNRI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/17a3819aca58bd07bb9f186d6233961e242ceff9.png", "website": "https://www.rally.tax/", "all_locations": "Mountain View, CA, USA; Remote", "long_description": "For millions of Americans, taxes are far more than a simple W-2. Managing investments, property, or a side business creates a world of complexity that makes DIY software risky, while traditional CPA help is often slow, expensive, and reactive. This broken system causes anxiety and leaves billions in potential savings on the table every year.\r\n\r\nRally is the modern solution for tax peace of mind. We are an AI-powered tax platform that provides proactive, year-round strategic guidance, not just seasonal filing. Our unique approach combines a smart platform that automates 80% of the manual work with a team of in-house experts to provide strategic advice. We deliver the expertise of a private advisor with the convenience and access of a modern tech company.\r\n\r\nOur vision is to use the trust we earn in taxes to become the definitive financial co-pilot for our customers. We will expand from tax strategy into a full suite of services that helps millions of people proactively manage and optimize their entire financial future.", "one_liner": "AI-native tax platform to save $1T+ for Americans", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677795325, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rally-tax", "api": "https://yc-oss.github.io/api/batches/winter-2023/rally-tax.json" }, { "id": 27987, "name": "Shekel Mobility", "slug": "shekel-mobility", "former_names": [ "Shekel Mobility Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/317b78e8b020f4585c1d370268635374dbd5c4a4.png", "website": "https://www.shekelmobility.com/", "all_locations": "Lagos, LA, Nigeria; San Francisco, CA, USA", "long_description": "Our platform helps car dealers find, finance and sell more cars in the $30B African used Car market.\r\n\r\nWe are building the largest auto dealership ecosystem ; powering $10Bn transactions annually\r\n\r\n", "one_liner": "B2B marketplace for Auto Dealers in Africa", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1670346791, "tags": [ "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "United States of America", "Africa", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/shekel-mobility", "api": "https://yc-oss.github.io/api/batches/winter-2023/shekel-mobility.json" }, { "id": 28007, "name": "Milio", "slug": "milio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "website": "http://www.miliopay.com", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails.\r\n\r\nWe provide our solution through two Plug and Play integrations:\r\n\r\nPID payment button:\r\nEnd-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates.\r\n\r\nTechnology: API, SDK, Checkout UI.\r\n\r\nImmediate disbursement:\r\nSingle API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet.\r\n\r\nTechnology: API, Dashboard UI.", "one_liner": "B2B-2C real-time account to account payments", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673542221, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/milio", "api": "https://yc-oss.github.io/api/batches/winter-2023/milio.json" }, { "id": 28077, "name": "Corgi Labs", "slug": "corgi-labs", "former_names": [ "CorgiAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ab8ae360dddc3659ad06077db5d3349b75b91f.png", "website": "https://www.corgilabs.ai", "all_locations": "San Francisco, CA, USA", "long_description": "End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates.", "one_liner": "AI to increase payment acceptance and reduce fraud for businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1677769779, "tags": [ "Artificial Intelligence", "Payments", "Analytics", "E-commerce", "Fraud Detection" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/corgi-labs", "api": "https://yc-oss.github.io/api/batches/winter-2023/corgi-labs.json" }, { "id": 28088, "name": "Waza", "slug": "waza", "former_names": [ "Waza Technologies Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.png", "website": "https://waza.co/", "all_locations": "Lagos, LA, Nigeria", "long_description": "Waza is the B2B platform for global payments and emerging market trade. We make it easy and affordable for businesses with no access to USD to fulfil their global payment obligations, treasury and liquidity needs. ", "one_liner": "B2B payments platform for emerging markets.", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1673373183, "tags": [ "Fintech", "Payments", "B2B", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/waza", "api": "https://yc-oss.github.io/api/batches/winter-2023/waza.json" }, { "id": 28089, "name": "Maxi", "slug": "maxi", "former_names": [ "Leather", "Thread" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/74fe59b0fad86e3ef763c2294a3eb1d69431df2b.png", "website": "https://www.usemaxi.app", "all_locations": "New York, NY, USA", "long_description": "Maxi is an iMessage-based, AI-native agent for your personal finances. It connects to all your accounts (secure read-only access) and Gmail and proactively texts you to help cancel subscriptions, identify split expenses, and send Venmo requests (on your behalf). It also tracks your net worth, reminds you about bills, and keeps you in line with your budgets.", "one_liner": "AI Agent for your personal finances", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1674772876, "tags": [ "Artificial Intelligence", "Fintech", "Consumer Finance", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/maxi", "api": "https://yc-oss.github.io/api/batches/winter-2023/maxi.json" }, { "id": 28090, "name": "Littio", "slug": "littio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e23dd28085a1e8e08c55a386fdd94d4eed49462.png", "website": "https://www.littio.co/", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Littio is a neobank focused on solving the currency devaluation problem for Latin Americans. The product offers a Savings Account, a Mastercard debit, and investing options in U.S. dollars to help people avoid the currency risk.", "one_liner": "Dollar banking for people in Latin America", "team_size": 37, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1673386052, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/littio", "api": "https://yc-oss.github.io/api/batches/winter-2023/littio.json" }, { "id": 28094, "name": "Constant", "slug": "constant", "former_names": [ "Jottix" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0f3c94a7859923f3ba272902a34a8093dda07dd.png", "website": "https://useconstant.com", "all_locations": "San Francisco, CA, USA", "long_description": "Institutional-grade AI, replicating a team of top analysts.", "one_liner": "AI Analysts for the Buy-Side", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1677744392, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/constant", "api": "https://yc-oss.github.io/api/batches/winter-2023/constant.json" }, { "id": 28116, "name": "Wallbit", "slug": "wallbit", "former_names": [ "Wallbit LLC", "Wallbit Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "website": "https://wallbit.io", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.", "one_liner": "Neobank for global remote workers", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1677044894, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/wallbit", "api": "https://yc-oss.github.io/api/batches/winter-2023/wallbit.json" }, { "id": 28382, "name": "Theya", "slug": "theya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.png", "website": "https://www.theya.us/", "all_locations": "San Francisco, CA, USA", "long_description": "Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\r\n\r\nWe aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "one_liner": "The world's simplest Bitcoin self-custody solution", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678296107, "tags": [ "Fintech", "Crypto / Web3", "Consumer", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/theya", "api": "https://yc-oss.github.io/api/batches/winter-2023/theya.json" }, { "id": 28786, "name": "Accend", "slug": "accend", "former_names": [ "Accend Technology, Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31a4d8ba6cbc31b7799b329fce2d820cfe3ca234.png", "website": "https://www.withaccend.com/", "all_locations": "", "long_description": "Accend helps commercial banks and fintechs underwrite business customers faster, win more deals and increase revenue. We provide an end-to-end platform to automate document intake, financial statement / tax spreading, cash flow modeling, credit memos and portfolio management, with audit-ready AI and human-in-the-loop accuracy. Companies like Corpay, Brex, Rippling, Rho, Column, Settle, and many others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting efficiency\r\n\r\nBefore starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.", "one_liner": "AI agents for commercial underwriting at banks and fintechs", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1691559472, "tags": [ "Fintech", "Generative AI", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/accend", "api": "https://yc-oss.github.io/api/batches/summer-2023/accend.json" }, { "id": 28805, "name": "Diligent", "slug": "diligent", "former_names": [ "Paylane" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/306eaffa9ae52c97e7f7fd8c9161b13409115596.png", "website": "https://godiligent.ai", "all_locations": "London, England, United Kingdom", "long_description": "We help fintech risk and AML compliance teams automate and strengthen routine customer due diligence tasks with LLMs. Our AI assistants slash cost-to-comply, improve risk detection and free up capacity for investigations that require human expertise and decision making. \r\n\r\nFintechs and banks use us to automate workflows like running thorough due diligence on a legal entity, reviewing customer documents like registry extracts, proofs of address etc and remediating false positive alerts from their AML systems.", "one_liner": "AI agents for fintech risk and compliance operations", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706799734, "tags": [ "Fintech", "Compliance", "Fraud Prevention", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/diligent", "api": "https://yc-oss.github.io/api/batches/summer-2023/diligent.json" }, { "id": 28811, "name": "Casca", "slug": "casca", "former_names": [ "CORE Ai", "Cascading AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/db0a05cec73fa1efa5d096d33cfcc210c8930955.png", "website": "https://www.cascading.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Casca is building AGI for Banking.\r\n\r\nOur first product is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. We’ve found product market fit already serving top 10 US banks and are scaling our team very quickly.\r\n\r\nSmall businesses are the heart of the American economy. Many banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes. We unlock affordable, quick bank funding for the 30M+ small businesses in the US who would otherwise be subject to the high interest rates from predatory online lenders.\r\n\r\nWe are a world-class team of banking & AI experts from Stanford, MIT & Y Combinator. We like to win and we know that the only thing between us and the title is our own ability to improve every day.", "one_liner": "Make Banking Magical", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1691481257, "tags": [ "Artificial Intelligence", "Conversational Banking", "Fintech", "Machine Learning", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/casca", "api": "https://yc-oss.github.io/api/batches/summer-2023/casca.json" }, { "id": 28842, "name": "Capi Money", "slug": "capi-money", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "website": "https://www.capimoney.com", "all_locations": "London, England, United Kingdom", "long_description": "Capi helps businesses in emerging markets make international payments. Importers in emerging markets pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in emerging markets the same price and speed as we expect in the US and Europe.", "one_liner": "Helping businesses in emerging markets make pay their international…", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690922885, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/capi-money", "api": "https://yc-oss.github.io/api/batches/summer-2023/capi-money.json" }, { "id": 28886, "name": "Cardinal Gray", "slug": "cardinal-gray", "former_names": [ "Cardinal Gray Incorporated" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.png", "website": "https://www.cardinalgray.com/", "all_locations": "New York, NY, USA", "long_description": "When a lender gives out a car loan, they need to file a lien with their borrower’s DMV. This is difficult because the process varies by state and county. We’ve leveraged LLMs to help lenders automate lien filings for over $1B of loans.", "one_liner": "Automating lenders' interactions with the DMV", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1687970738, "tags": [ "Enterprise Software", "Consumer Finance", "Automation", "AI", "Automotive" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cardinal-gray", "api": "https://yc-oss.github.io/api/batches/summer-2023/cardinal-gray.json" }, { "id": 28896, "name": "GovernGPT", "slug": "governgpt", "former_names": [ "governGPT" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc48fe8121550891d4d5f63eb127e89d23e40dd1.png", "website": "https://www.governgpt.com/", "all_locations": "Montreal, QC, Canada", "long_description": "For money managers to raise their next billion, they dedicate entire teams to spend days filling diligence questionnaires with recycled content. We do it in minutes using AI.\r\nClients include Bridgewater, Pantheon, Coatue, Onex, Urban Partners, Yarra Capital, Axonic, NIAM, Raith Capital, Intl Farming, Hillsdale, White Oak, etc. ", "one_liner": "The RFP Platform Asset Managers Adopt", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1699569347, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Canada", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/governgpt", "api": "https://yc-oss.github.io/api/batches/winter-2024/governgpt.json" }, { "id": 28929, "name": "Bretton AI", "slug": "bretton-ai", "former_names": [ "Greenlite AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "website": "https://www.bretton.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Bretton runs AI-native operations for the financial back office. OCC, Fed and FDIC regulated banks use Bretton to run compliance, risk, fraud operations on one platform, on their own data and policies, with every output traced, cited, and audit-ready.\r\n\r\nBretton has pioneered AI use in financial services with its proprietary Trust Infrastructure — a system of model validation, governance and auditability guardrails that enables AI use in key regulated workflows.\r\n", "one_liner": "AI-native operations for the banks", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1687929703, "tags": [ "Artificial Intelligence", "Fintech", "Payments", "B2B", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/bretton-ai", "api": "https://yc-oss.github.io/api/batches/summer-2023/bretton-ai.json" }, { "id": 28932, "name": "AgentCollect", "slug": "agentcollect", "former_names": [ "Respaid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e7fa66d4491c66a8637435f8ec4ca509a67f236.png", "website": "https://www.agentcollect.com", "all_locations": "San Francisco, CA, USA", "long_description": "We recover aged B2B debt in weeks, not quarters: ~49% in 20 days vs ~20% in 4-6 months for traditional agencies.\r\nOur AI agents call, email, text, find the right contact (20% of B2B contact data is outdated), and negotiate payment plans 24/7 ; all under your brand. \r\nWe replace your offshore BPO and third-party agencies. \r\nYour AR team stays focused on strategic accounts.\r\n\r\nLive with Dell, Microsoft, FedEx, Plaid, and Checkr and hundreds of enterprise companies.\r\n\r\nLong-tail AR your team has deprioritized becomes recovered cash before a traditional agency even gets moving.", "one_liner": "B2B debt collection powered by AI agents", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1688400893, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/agentcollect", "api": "https://yc-oss.github.io/api/batches/summer-2023/agentcollect.json" }, { "id": 28965, "name": "Yenmo", "slug": "yenmo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "website": "https://yenmo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate.\r\n\r\nOur Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.", "one_liner": "Secured consumer lending in India", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1708901041, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/yenmo", "api": "https://yc-oss.github.io/api/batches/winter-2024/yenmo.json" }, { "id": 28977, "name": "VaultPay", "slug": "vaultpay", "former_names": [ "Vault Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/30aabf918a32adb38f993512aceacaf1deb4d77c.png", "website": "https://vaultpay.io", "all_locations": "Kinshasa, Kinshasa, Democratic Republic of the Congo", "long_description": "Vaultpay is building a digital banking platform for 30 million smartphone users in DRC and the country's largest agent network. For example, a young Congolese entrepreneur who just won a subcontract with a major mining company can now easily open a personal and business account, receive payments, all from their smartphone, instead of spending hours at bank branches.", "one_liner": "Digital banking platform for the 30 million smartphone users in DRC.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1689166687, "tags": [ "Fintech", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Democratic Republic of the Congo", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/vaultpay", "api": "https://yc-oss.github.io/api/batches/summer-2023/vaultpay.json" }, { "id": 28979, "name": "Slicker", "slug": "slicker", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a6d3f0c8afa88cbacfb092cfdf786243c3f8519.png", "website": "https://www.slickerhq.com", "all_locations": "London, England, United Kingdom", "long_description": "Slicker eliminates involuntary churn through AI-powered retries, tailored for your business. Our proprietary engine automatically monitors, detects, and recovers failed recurring payments, so you can convert past due invoices into revenue.", "one_liner": "Recover payment failures and maximize subscription Revenue", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1687798337, "tags": [ "Artificial Intelligence", "FinOps", "SaaS", "Payments", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/slicker", "api": "https://yc-oss.github.io/api/batches/summer-2023/slicker.json" }, { "id": 29002, "name": "Envelope", "slug": "envelope", "former_names": [ "Envelope Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2e740f2179bdee63c6c4fcdf1727acdeb9510d9.png", "website": "https://envelopebudgeting.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Envelope is a budgeting app with built-in checking and debit cards. It helps people organize real money into digital envelopes, plan ahead for bills and everyday spending, and control spending before it happens, instead of only tracking transactions after the money is gone.", "one_liner": "Budgeting app with built-in banking", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1691448232, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/envelope", "api": "https://yc-oss.github.io/api/batches/summer-2023/envelope.json" }, { "id": 29026, "name": "SyntheticFi", "slug": "syntheticfi", "former_names": [ "Cyclone", "devmark" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/21cd7289472fa982f68b9ab59329eb2acf583e66.png", "website": "https://www.syntheticfi.com/", "all_locations": "San Francisco, CA, USA", "long_description": "SyntheticFi offers a low-cost and low-hassle solution for independent financial advisors (RIAs) to meet the liquidity needs of their clients.", "one_liner": "Low cost securities-backed lending for financial advisors and HNWI", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1688426619, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/syntheticfi", "api": "https://yc-oss.github.io/api/batches/summer-2023/syntheticfi.json" }, { "id": 29086, "name": "Eden Care", "slug": "eden-care", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "website": "https://www.edencaremedical.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Eden Care is building the claims infrastructure for African health insurance ", "one_liner": "Claims infrastructure for African health insurance", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687277447, "tags": [ "Fintech", "Health Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Kenya", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/eden-care", "api": "https://yc-oss.github.io/api/batches/summer-2023/eden-care.json" }, { "id": 29100, "name": "CheqUPI", "slug": "chequpi", "former_names": [ "Terrafin Solutions Pvt Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "website": "https://www.cheq.money", "all_locations": "Bengaluru, KA, India; San Francisco, CA, USA", "long_description": "Cheq is a modern UPI payments app for NRIs and international citizens visiting India. \r\nUsing Cheq, you can pay digitally at over 55mn+ merchants across India. \r\nWe help tourists avoid ATMs and minimize their foreign exchange costs while in India.\r\n\r\n\r\n", "one_liner": "India's first UPI wallet for foreign nationals and NRIs", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1690215615, "tags": [ "Fintech", "Payments", "India", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "India", "United States of America", "South Asia", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/chequpi", "api": "https://yc-oss.github.io/api/batches/summer-2023/chequpi.json" }, { "id": 29153, "name": "Coba", "slug": "coba", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/064ab4995b234ee61187e6d755a27338f57c5c90.png", "website": "https://www.coba.ai", "all_locations": "Monterrey, N.L., Mexico; Austin, TX, USA", "long_description": "Coba makes it easy for Mexican knowledge workers employed by US companies to earn in US Dollars and seamlessly spend locally in Pesos.\r\n\r\nOn average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way. These workers’ require more than simple money movement, they demand a financial solution that addresses their specific needs: banking, saving, spending - all in two currencies.\r\n\r\nCoba allows its users to not only deposit and save their earnings in a US account, but also access critical financial services at home in Mexico - from a local credit card to integrated bill pay. With Coba, remote workers can live across two currencies... efficiently and effortlessly.", "one_liner": "Dual Currency Accounts For LatAm", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1689886684, "tags": [ "Fintech", "Latin America", "Remittances", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "United States of America", "Latin America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/coba", "api": "https://yc-oss.github.io/api/batches/summer-2023/coba.json" }, { "id": 29154, "name": "Catamaran", "slug": "catamaran", "former_names": [ "Ultravity", "CatX" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0af944f6ad96c6f8c2095e8c485de560a528833.png", "website": "https://www.trycatamaran.com", "all_locations": "London, England, United Kingdom", "long_description": "Catamaran uses AI to help people make clearer, faster decisions about risk. Our platform brings all internal and external risk data into one easy-to-understand workspace. By automating data gathering, checking, and scenario testing, we help insurers, reinsurers, brokers, and investors quickly understand and manage their risks. Catamaran also provides a regulated marketplace to easily buy, sell, and manage insurance coverage.", "one_liner": "The AI-powered risk decision platform ", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687023200, "tags": [ "Machine Learning", "Finance", "Analytics", "Insurance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/catamaran", "api": "https://yc-oss.github.io/api/batches/summer-2023/catamaran.json" }, { "id": 29162, "name": "Flex", "slug": "flex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6db50cb8b7d8269f3c2b9ce2c300b8dd5e7d0bab.png", "website": "https://www.withflex.com/shop", "all_locations": "Remote", "long_description": "Flex is a payment platform for businesses to accept HSA/FSA, unlocking the $150B per year sitting in HSA/FSA accounts. \r\n", "one_liner": "Stripe for HSA/FSA payments", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690520542, "tags": [ "Fintech", "Marketplace", "Health & Wellness" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/flex", "api": "https://yc-oss.github.io/api/batches/summer-2023/flex.json" }, { "id": 29181, "name": "Event Horizon Labs", "slug": "event-horizon-labs", "former_names": [ "EmergentAGI", "SciPhi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/952b6381b227fe13913d082e7f9bdec4731e8adb.png", "website": "https://www.ehl.markets/", "all_locations": "San Francisco, CA, USA", "long_description": "We are scaling autonomous research, Markets are our verification loop: agents turn hypotheses into strategies, test them, and compound what survives. \r\n", "one_liner": "AI research lab automating all of investing", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1710132587, "tags": [ "Artificial Intelligence", "Finance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/event-horizon-labs", "api": "https://yc-oss.github.io/api/batches/winter-2024/event-horizon-labs.json" }, { "id": 29293, "name": "SuretyNow", "slug": "suretynow", "former_names": [ "SuretyNow", "BondCenter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "website": "https://suretynow.com/", "all_locations": "Austin, TX, USA", "long_description": "Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. \r\n\r\nSuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.", "one_liner": "The Modern Surety Bond Platform", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706734566, "tags": [ "Fintech", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/suretynow", "api": "https://yc-oss.github.io/api/batches/winter-2024/suretynow.json" }, { "id": 29298, "name": "Greenboard", "slug": "greenboard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b27383428d763a236956940e76e892fc851162b4.png", "website": "https://www.greenboard.com", "all_locations": "New York, NY, USA", "long_description": "Greenboard is building a singular, AI-powered platform to handle management of the entirety of financial firms’ compliance programs, and eventually all back office processes. Today, financial institutions use Greenboard to detect risk using AI and to rip out and replace the bad legacy back office tooling they have wanted to get rid of for years.\r\n \r\n\r\n\r\nGreenboard's mission is to enable financial institutions to operate their back office teams at a higher standard, with half of the headcount. We’re starting with compliance", "one_liner": "Modern OS for the financial back office. ", "team_size": 26, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1700498020, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "Compliance", "Operations" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/greenboard", "api": "https://yc-oss.github.io/api/batches/winter-2024/greenboard.json" }, { "id": 29303, "name": "Panelytic", "slug": "panelytic", "former_names": [ "Panelytic", "Nemea", "Token Owl", "TokenOwl" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2adfd60610f060b139d1e1752fe74ca86d3be846.png", "website": "https://panelytic.com/", "all_locations": "New York, NY, USA", "long_description": "Payments, identity, and financial controls for autonomous machines.\r\n\r\n", "one_liner": "Payment infrastructure for machines", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1711575762, "tags": [ "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/panelytic", "api": "https://yc-oss.github.io/api/batches/winter-2024/panelytic.json" }, { "id": 29307, "name": "Blume Benefits", "slug": "blume-benefits", "former_names": [ "Blitz AI", "Blume" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ea369712455e4db27cb24aae44230d83a5b836.png", "website": "https://www.blumebenefits.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Blume is a web app that streamlines insurance quoting, renewal, and revenue ops processes for health insurance brokers. We are working with our first cohort of health insurance brokers to help them save the, on average, 6 hours of manual data entry they do every week.", "one_liner": "The AI copilot for health insurance brokers.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706634406, "tags": [ "Health Insurance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/blume-benefits", "api": "https://yc-oss.github.io/api/batches/winter-2024/blume-benefits.json" }, { "id": 29338, "name": "Consul", "slug": "consul", "former_names": [ "Swift" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.png", "website": "https://onconsul.com", "all_locations": "New York, NY, USA", "long_description": "Consul is building the future of payouts for the online economy. We make it easy for marketplaces, agencies, and startups to make payouts using stablecoins.", "one_liner": "The Stablecoin Payouts Platform", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1709330171, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/consul", "api": "https://yc-oss.github.io/api/batches/winter-2024/consul.json" }, { "id": 29343, "name": "Infinity", "slug": "infinity", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.png", "website": "https://www.infinityapp.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.", "one_liner": "Business banking for cross-border SMBs & Startups", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1706317593, "tags": [ "Fintech", "Payments", "B2B", "Investing", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/infinity", "api": "https://yc-oss.github.io/api/batches/winter-2024/infinity.json" }, { "id": 29399, "name": "Centauri AI", "slug": "centauri-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2909e97f1b5b60712aa5c9853c288e7c547ac289.png", "website": "https://centauri-ai.tech", "all_locations": "San Francisco, CA, USA", "long_description": "Centauri AI is a modern ETL and Data Science platform for banks and investment firms, starting with Structured Finance. \r\n\r\nFinancial firms heavily rely on Excel, PDF, and PPT files to exchange complex asset details, leading analysts to spend hours crunching the files and extracting insights. Moreover, these data files and reports cannot be easily reused due to poor data infrastructure. \r\n\r\nPowered by AI, our product cuts hours of data wrangling work down to minutes and makes it possible to query past data easily. This helps firms evaluate assets faster and win more deals.\r\n\r\nSince launching last month, we've started a pilot with a brokerage team at a public investment bank that now uses our product daily. Aiming to serve over 100,000 investment teams needing complex data analysis for alternative investments, this opens up a potential $5 billion market.", "one_liner": "The Modern ETL and Data Science Platform for Finance", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1711328630, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/centauri-ai", "api": "https://yc-oss.github.io/api/batches/winter-2024/centauri-ai.json" }, { "id": 29414, "name": "Cleva", "slug": "cleva", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb405a26d1a603373572e220fb38dadd2c97c421.png", "website": "https://www.getcleva.com", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Cleva enables African freelancers and businesses to receive international payment for their service, while protecting themselves from local currency volatility. With a Cleva USD account, one can easily receive USD payment from anywhere in the world, spend via a card, pay bills, convert to local currency, and save in USD to hedge against local currency volatility.", "one_liner": "USD banking platform for Africa", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1704535583, "tags": [ "Fintech", "B2B", "Remote Work", "Emerging Markets", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/cleva", "api": "https://yc-oss.github.io/api/batches/winter-2024/cleva.json" }, { "id": 29415, "name": "Givefront", "slug": "givefront", "former_names": [ "Clav" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d65130c2135aa6aec31d84ddb306d5aa937ba15b.png", "website": "https://givefront.com", "all_locations": "San Francisco, CA, USA", "long_description": "The world’s most important organizations deserve the world’s best financial infrastructure. We’re here to make sure they do.\r\n\r\nAt Givefront, we've built a modern financial management platform designed specifically for nonprofits. With real-time budgeting, built-in compliance, and easy integrations, we replace the spreadsheets and guesswork with smart, automated systems.\r\n\r\nBy transforming financial operations from reactive to real-time, Givefront empowers nonprofits to control every dollar, protect every grant, and move their missions forward faster — with greater efficiency, transparency, and trust.", "one_liner": "Nonprofit Financial Management", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1708704798, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/givefront", "api": "https://yc-oss.github.io/api/batches/winter-2024/givefront.json" }, { "id": 29448, "name": "xPay", "slug": "xpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3971c15f9f5205a1db5b53fe701e75a30c87c769.png", "website": "https://www.xpaycheckout.com/", "all_locations": "Bengaluru, India", "long_description": "We're building a commerce solution for SaaS companies globally that have overseas customers. We especially help them with streamlining billing operations like invoicing and reconciliation, managing foreign sales tax and accepting payments. We abstract out the complexities of compliance, remittance and integration for these merchants by running all that machinery in the background. ", "one_liner": "International Billing Ops, Sales Tax and Payments for SaaS businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1709922304, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/xpay", "api": "https://yc-oss.github.io/api/batches/winter-2024/xpay.json" }, { "id": 29453, "name": "Miden", "slug": "miden", "former_names": [ "Tyrus Technologies", "MIDEN" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.png", "website": "http://www.miden.co", "all_locations": "Ikeja, LA, Nigeria", "long_description": "Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch.\r\n\r\nWe’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.", "one_liner": "Card issuer processor and banking stack for businesses in Sub-…", "team_size": 19, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706458122, "tags": [ "Fintech", "Payments", "B2B", "APIs" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/miden", "api": "https://yc-oss.github.io/api/batches/winter-2024/miden.json" }, { "id": 29465, "name": "Polar", "slug": "polar", "former_names": [ "Aria", "GoldenBasis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ca9f40a361ea65885c3e75244352a9f9f8a46.png", "website": "https://www.polarfi.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Polar helps remote workers, freelancers, and ship crew manage their USD earnings globally. Using Polar, you can:\r\n1. Get a U.S. bank account in minutes with just your phone and local ID\r\n2. Send money to 120+ countries faster and cheaper than alternatives\r\n3. Earn 2-6% interest on USD savings\r\n4. Invest in gold, Bitcoin, and Ethereum 24/7, starting with $1", "one_liner": "The smarter way to manage USD earnings globally", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1708655609, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Remittances", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/polar", "api": "https://yc-oss.github.io/api/batches/winter-2024/polar.json" }, { "id": 29467, "name": "Powder", "slug": "powder", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6603ab4de90057f1854b7b4b75d28ec647c3aa7.png", "website": "https://www.powderfi.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Powder is an AI tool that helps wealth advisors rapidly create sales proposals that are personalized for each prospective client. Using LLMs, Powder is able to automate a series of manual tasks such as understanding documents and conversations to create mind-blowing analysis that builds immediate trust.\r\n\r\n\r\nPowder has 3 main features to automate sales workflows -\r\n\r\n1. Brokerage, tax and estate document parser thats fast and accurate.\r\n2. Meeting notetaker thats able to capture personalized insights.\r\n3. Portfolio analysis tool that optimizes portfolio returns, risk and fees.\r\n\r\nOur app saves hours of time and creates a pinpoint proposal that lifts a firm's ability to win new business.\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n", "one_liner": "AI Agents for precise document analysis", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1705898735, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/powder", "api": "https://yc-oss.github.io/api/batches/winter-2024/powder.json" }, { "id": 29483, "name": "Healia", "slug": "healia", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4bc553e9eb10d4c49558bf19ed0f8c9bf7411984.png", "website": "https://www.healiahealth.com/", "all_locations": "Columbus, OH, USA", "long_description": "Healia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs.\r\n\r\nWe’re now up to 50+ customers coast-to-coast with over 40k employees using our product!", "one_liner": "Modern health insurance for dual income families", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1707967345, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/healia", "api": "https://yc-oss.github.io/api/batches/winter-2024/healia.json" }, { "id": 29500, "name": "The New Money Company", "slug": "the-new-money-company", "former_names": [ "Workparty", "Fermata", "Numo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "website": "https://newmoneycompany.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The New Money Company protects invoices with insurance.\r\n\r\nWe help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill.\r\n\r\nSupport number: +18889975745.", "one_liner": "Invoicing that pays you even if your buyer doesn’t", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1710863729, "tags": [ "Fintech", "Payments", "B2B", "Insurance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/the-new-money-company", "api": "https://yc-oss.github.io/api/batches/winter-2024/the-new-money-company.json" }, { "id": 29515, "name": "NowHouse", "slug": "nowhouse", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a46937fb560137c8e2a3bbcfcaf475423a4d2fc.png", "website": "https://www.nowhouse.io", "all_locations": "New York City, NY, USA", "long_description": "NowHouse helps stock brokerages settle trades instantly.", "one_liner": "NowHouse helps stock brokerages settle trades instantly.", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1709826722, "tags": [ "Fintech", "SaaS", "Enterprise", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/nowhouse", "api": "https://yc-oss.github.io/api/batches/winter-2024/nowhouse.json" }, { "id": 29518, "name": "Dropback", "slug": "dropback", "former_names": [ "FanCave" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b7cff51aae96543f4a2b5a8f4b6e64e2b3823e6e.png", "website": "https://www.dropback.com", "all_locations": "Remote", "long_description": "Dropback is building front office software for the future of college sports. We help major athletic departments manage their teams' \"salary caps\" and roster limits to construct their most competitive rosters.\r\n\r\nJust two years ago, it became legal for athletes to earn an income beyond their scholarships. Since then, despite college athletes earning $2B+, rapid regulation change has put college sports in disarray. Dropback brings order to this chaos through custom compensation frameworks, roster management, what-if playgrounds, and more--ultimately helping elite programs optimize spend & maximize talent.", "one_liner": "The front office software suite for college sports", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1709324321, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/dropback", "api": "https://yc-oss.github.io/api/batches/winter-2024/dropback.json" }, { "id": 29613, "name": "ClaimSorted", "slug": "claimsorted", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84c63763f18d7ea0f559f538047cb3865f092ccc.png", "website": "https://claimsorted.com", "all_locations": "", "long_description": "ClaimSorted helps insurance companies remove the hassle of managing claims by enabling them to outsource their claim operations to us. This service is known as a Third Party Administrator (TPA). Unlike traditional TPAs, we blend AI and best-in-class experts to deliver a 5-star customer experience, minimise mistakes and speed up claim assessment.", "one_liner": "Making it easy for insurance companies to process claims", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1715711900, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/claimsorted", "api": "https://yc-oss.github.io/api/batches/summer-2024/claimsorted.json" }, { "id": 29636, "name": "Bayesline", "slug": "bayesline", "former_names": [ "Bayesline, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a34bad8ff76fdef00535145a04bd76a11f215b1.png", "website": "https://bayesline.com", "all_locations": "New York, NY, USA", "long_description": "Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. \r\n\r\nClients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. \r\n\r\nSebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.", "one_liner": "Highly customizable and blazingly fast analytics for asset managers.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1722543223, "tags": [ "Fintech", "Finance", "B2B", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/bayesline", "api": "https://yc-oss.github.io/api/batches/summer-2024/bayesline.json" }, { "id": 29646, "name": "Corgi Insurance", "slug": "corgi-insurance", "former_names": [ "Corgi", "Corgi Insurance", "Corgi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f66899a62764756d799d5abc511dc4b46f8c151.png", "website": "https://corgi.com", "all_locations": "San Francisco, CA, USA", "long_description": "Corgi is a full-stack insurance carrier building better, faster insurance products for startups. We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs and less friction. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.\r\n\r\n", "one_liner": "Corgi is building an AI financial infrastructure company", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1720644316, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/corgi-insurance", "api": "https://yc-oss.github.io/api/batches/summer-2024/corgi-insurance.json" }, { "id": 29730, "name": "Saturn", "slug": "saturn", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b86d0449e238a14d1e61291d7f68a95e0d8fafc5.png", "website": "https://www.SaturnOS.com", "all_locations": "London, England, United Kingdom", "long_description": "At Saturn, our mission is to make financial peace of mind more accessible by building the best operating system for wealth managers. \r\n\r\nWealth and Asset Management is one of the world’s highest revenue-generating industries, yet it remains painfully inefficient. The sector relies heavily on disjointed legacy systems, manual human tasks, and a complex web of intermediaries, all of which increase costs. \r\n\r\nSaturn is an AI-powered operating system for wealth management built to automate investment research, streamline operations, and ensure compliance. Saturn creates the best version of truth, empowering investment advisors to work more efficiently, navigate complex regulatory landscapes, and deliver personalised, high-value services to their clients.\r\n\r\nToday, Saturn supports over 200 firms globally that manage more than £35bn in assets under management (AUM) and over 200,000 clients.\r\n\r\nAs the industry grows, it faces massive operational challenges like bad tech, advisor retirements, regulatory pressure, an increased cost base, and transformational opportunities like great intergenerational wealth transfer and changing consumer needs.\r\n\r\nSaturn aims to be at the forefront of this transformation, driving the future of wealth management.", "one_liner": "Compliance and back office workflows for Wealth Managers.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1724331890, "tags": [ "Fintech", "Generative AI", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/saturn", "api": "https://yc-oss.github.io/api/batches/summer-2024/saturn.json" }, { "id": 29735, "name": "FINNY AI", "slug": "finny-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2d0e659d5d03f52a35513c7fe53a3701c771832.png", "website": "https://www.finny.com/", "all_locations": "New York, NY, USA", "long_description": "FINNY is the AI-native organic growth engine for financial advisors, focused on helping them grow their practices\r\n \r\nOur goal is to empower financial advisors to reach the right potential clients at the right time, with the right message. We are building a world where anyone who wants financial advice can connect with the right advisor, while helping advisors ensure organic growth, the most existential problem advisors face. \r\n \r\nThe organic growth process has historically been highly inefficient and full of noise. Advisors often waste 60+ hours of business development to convert 1 new client. \r\n\r\nAt FINNY, we are certain we can do better with AI. With our tool, advisors can:\r\n- Identify prospects within their target niche, aggregating thousands of data points per lead\r\n- Prioritize prospects based on their predicted likelihood of converting using F-Score, a score unique to each advisor and prospect pair\r\n- Automate the outreach and meeting scheduling with their high priority prospects\r\n\r\nIn essence, FINNY does all the rote work for the advisors, letting them focus on what actually matters: the client relationship.", "one_liner": "The organic growth engine for financial advisors ", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1716852989, "tags": [ "Fintech", "Machine Learning", "Finance", "Sales Enablement", "Automation" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finny-ai", "api": "https://yc-oss.github.io/api/batches/summer-2024/finny-ai.json" }, { "id": 29789, "name": "Paasa", "slug": "paasa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/69545faa0fc0f7ee6b89313f1c320d59486f1802.png", "website": "https://paasa.com", "all_locations": "Gurugram, HR, India", "long_description": "Paasa helps wealthy Indians invest in global equities - without middlemen, hidden fees, or paperwork.\r\n\r\nWhile high-net-worths in India often have international expenses from children's education to healthcare, most still save in INR, a currency that depreciates ~2–5% per year against the USD. Why?\r\n\r\n- Broken outward remittance process\r\n- Fear of making mistakes in tax or compliance\r\n- Paper-heavy onboarding processes of international brokers\r\n- Lack of trustworthy guidance\r\n\r\nPaasa offers a mobile app that enables Indians to trade worldwide, invest via advisory, and automate every cross-border tax filing.", "one_liner": "Invest in Global Equities from India", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1723926494, "tags": [ "Fintech", "Consumer", "Investing", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/paasa", "api": "https://yc-oss.github.io/api/batches/summer-2024/paasa.json" }, { "id": 29796, "name": "Finosu", "slug": "finosu", "former_names": [ "Cedar Star" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "website": "https://www.finosu.com", "all_locations": "New York City, NY, USA", "long_description": "Hi - Mark and Gab here!\r\n\r\nWe met while working at Alt, a marketplace for collectibles, where we built a $200 million specialty finance business line. At Alt, we faced the complex challenges that come with servicing consumer loans. We spent countless hours and resources developing internal tools to manage loan payments, communicate with borrowers, and keep track of loan performance—all while ensuring a positive experience for our customers.\r\n\r\nHowever, after dealing with the headaches of manual data entry, fragmented systems, delayed payments, lack of personalized borrower engagement, and the stress of maintaining accurate records, we knew there had to be a better way to service consumer loans.\r\n\r\nSo, we started Finosu to build the servicer we wish we had—an AI-powered consumer loan servicer designed to streamline and enhance every aspect of the loan servicing process. \r\n\r\nOur mission is to transform loan servicing into a seamless, efficient, and customer-centric experience.\r\n\r\nThe operational cost of servicing loans reaches into the tens of billions a year and that is money out of the pocket of lenders, borrowers, investors, and ultimately the consumers as a cost of doing business – we are changing that.", "one_liner": "AI Native Consumer Loan Servicer", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1723762134, "tags": [ "Fintech", "B2B", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finosu", "api": "https://yc-oss.github.io/api/batches/summer-2024/finosu.json" }, { "id": 29820, "name": "Kontigo", "slug": "kontigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ea469fed3c60e9950eccadce6c5b7f8fcd6569.png", "website": "https://kontigo.lat/", "all_locations": "San Francisco, CA, USA", "long_description": "We’re building Kontigo, a USDC Smart Neobank for Latinos in the U.S. and Latin America.\r\n\r\nWe launched our Peer-to-Peer onramp 20 days ago and we’ve already had $540k in deposits, 10k active users and a +300k waitlist. \r\n\r\nThe founding team has built and scaled fintechs in Latam, and it’s ex-Venmo, Nubank, Rappi, MercadoLibre, Ualá, Platzi, and Yuno. \r\n\r\nWe’re already backed by DST Global, Soma Capital, Pioneer Fund, Transpose + 10 YC alums.\r\n\r\nSending money to Latin America is just as painful as holding it due to the region's fragmentation into 33 countries with 39 different currencies. \r\n\r\nOn one hand, cross-border payments to Latam are absurdly expensive (up to 20% per transaction). Conversely, over the past decade, currency depreciation across the region has become unsustainable. (some countries surpassing the trillion percent ). \r\n\r\nKontigo solves this with a USDC global wallet & a BTC savings account. \r\n\r\n- Like Venmo, but on-USDC.\r\n- Like Zelle, but for cross-border payments. No limits.\r\n- Like Nubank & Revolut, but without inflationary currencies. Bitcoin-backed.\r\n\r\nUser wallets are connected to an AI-private banker on WhatsApp to execute international USDC transactions. ", "one_liner": "USDC-Smart Neobank for Latinos. ", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1718239306, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kontigo", "api": "https://yc-oss.github.io/api/batches/summer-2024/kontigo.json" }, { "id": 29829, "name": "Moreta", "slug": "moreta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "website": "https://moretapay.com", "all_locations": "San Francisco, CA, USA", "long_description": "At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Done is the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy.\r\n\r\nWe came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country.\r\n\r\nWe’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta is the first to bridge the gap for international travelers from card-centric markets to tap into these local networks. Moreta will target 200 million travelers arriving in the region each year, who together have $410 billion in everyday expenditure.", "one_liner": "Payments made easy for international travelers.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724360319, "tags": [ "Fintech", "Payments", "Consumer", "Travel", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/moreta", "api": "https://yc-oss.github.io/api/batches/summer-2024/moreta.json" }, { "id": 29836, "name": "TradeFlow", "slug": "tradeflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f562e2265bcd5600f4ba364e50019b9ca9ba417.png", "website": "https://www.tradeflowai.com/", "all_locations": "New York, NY, USA", "long_description": "TradeFlow is AI-powered settlement for financial securities. During her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Historically, it’s been difficult to improve this process because it’s heavily reliant on manual emails, disparate systems, and inconsistently structured data. However, the advent of powerful AI technology allows us to unlock greater automation than ever before. TradeFlow empowers back offices to do more with less by offloading these time-intensive tasks to AI.", "one_liner": "AI-powered settlement for financial securities", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1721925578, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tradeflow", "api": "https://yc-oss.github.io/api/batches/summer-2024/tradeflow.json" }, { "id": 29840, "name": "Blaze", "slug": "blaze-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "website": "https://blaze.money", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money", "one_liner": "Global Venmo for cross border payments", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724981206, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Finance", "Travel" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/blaze-2", "api": "https://yc-oss.github.io/api/batches/summer-2024/blaze-2.json" }, { "id": 29841, "name": "Elayne", "slug": "elayne", "former_names": [ "Elayne AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "website": "https://www.elayne.com/", "all_locations": "New York, NY, USA", "long_description": "Elayne is building the modern estate settlement platform. \r\n\r\nEstate settlement is a $250B+ annual market, with $80T+ in assets expected to transfer over the next 25 years. But after a death, families and executors have to spend 400+ hours manually identifying, organize, and distribute everything that was left behind like: financial accounts, debts, property, insurance, legal documents, incorporating juristidi ation requirements and family context. \r\n\r\nElayne is the first platform to surface verified assets and debts for precisely this moment, then turing our discovery into a clear inheritance map. We work directly with families and executors, and with the partners who support them: funeral homes, hospice and aftercare providers, attorneys, and financial institutions.\r\n\r\nThe company was founded by Adria, a former large-cap investor who experienced the problem firsthand, and Rebecca, a repeat fintech and mental health founder who left her master’s program in psychology at Harvard to launch Elayne. Together, they bring financial rigor, technical execution, and lived empathy to a massive but deeply human category.\r\n\r\nBacked by Y Combinator and Accel, we are now an 8-person team based in NYC.", "one_liner": "Estate settlement, from verified discovery to distribution", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1718839098, "tags": [ "Fintech", "B2B", "Legal", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/elayne", "api": "https://yc-oss.github.io/api/batches/summer-2024/elayne.json" }, { "id": 30051, "name": "attimet", "slug": "attimet", "former_names": [ "AgentPay", "protegee", "Protegee" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43b9a65188d543037d433040e225613f5f256524.png", "website": "https://attimet.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "we predict stuff", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1728431199, "tags": [ "Artificial Intelligence", "Finance", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/attimet", "api": "https://yc-oss.github.io/api/batches/fall-2024/attimet.json" }, { "id": 30055, "name": "RiskCube", "slug": "riskcube", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "website": "https://riskcube.com", "all_locations": "San Francisco, CA, USA", "long_description": "When startups sell to enterprise, get regulated, or raise capital, they need to get insurance. \r\nRiskCube compares top-rated U.S. carriers to deliver coverage required to pass procurement, satisfy investors, and close enterprise deals quickly. \r\nFounders get D&O, Tech E&O, Cyber, General Liability, Product Liability, Key Person Life and COIs — built for AI/SaaS, Fintech, GovTech, Space, and Web3 startups creating the future. \r\n\r\nWe will soon also launch health insurance for startups. ", "one_liner": "Top-rated insurance to help close enterprise & government contracts.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1731782052, "tags": [ "Artificial Intelligence", "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/riskcube", "api": "https://yc-oss.github.io/api/batches/fall-2024/riskcube.json" }, { "id": 30056, "name": "Keye", "slug": "keye", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/90506160477f970492b1093950c729f17eeb2192.png", "website": "https://www.keye.co", "all_locations": "New York, NY, USA", "long_description": "\r\nKeye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha.\r\n--\r\n\r\nOur system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions.\r\n--\r\n\r\nKeye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.\r\n\r\n", "one_liner": "The Smartest Private Equity Investor", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1731519331, "tags": [ "Artificial Intelligence", "Finance", "Investing", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/keye", "api": "https://yc-oss.github.io/api/batches/fall-2024/keye.json" }, { "id": 30059, "name": "Sphinx", "slug": "sphinx", "former_names": [ "OneGraph Labs" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fe6a1b58847c1e53f0596617c9f63de97d49acc2.png", "website": "https://sphinxhq.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Sphinx automates the manual work of compliance analysts. Our AI agents make AML decisions, helping banks and fintech eliminate onboarding bottlenecks.\r\n", "one_liner": "AI Compliance Analysts for Banks & Fintechs", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1730337457, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sphinx", "api": "https://yc-oss.github.io/api/batches/fall-2024/sphinx.json" }, { "id": 30091, "name": "CollectWise", "slug": "collectwise", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1792694f6083df81f7abeaf84bcea98ecdb14566.png", "website": "https://collectwise.com/", "all_locations": "New York City, NY, USA", "long_description": "CollectWise automates consumer debt collection with AI. Our platform allows creditors and agencies to double their recovery rates while reducing collection costs by 75%.", "one_liner": "Automating consumer debt collection with AI", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1729792205, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/collectwise", "api": "https://yc-oss.github.io/api/batches/fall-2024/collectwise.json" }, { "id": 30106, "name": "Sunset", "slug": "sunset", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "website": "https://www.hellosunset.com/", "all_locations": "", "long_description": "Sunset can track down bank accounts, retirement accounts, investment accounts, property and more for families after losing a loved one. Sunset will close those accounts and move the money into a Sunset estate account to manage.", "one_liner": "Find and move money after a death", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1729742505, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/sunset", "api": "https://yc-oss.github.io/api/batches/fall-2024/sunset.json" }, { "id": 30192, "name": "Axiom", "slug": "axiom", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.png", "website": "https://axiom.trade", "all_locations": "", "long_description": "Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.", "one_liner": "Trade memecoins, perpetuals, and earn yield.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1738295687, "tags": [ "Fintech", "Crypto / Web3", "Consumer Finance", "Trading" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/axiom", "api": "https://yc-oss.github.io/api/batches/winter-2025/axiom.json" }, { "id": 30200, "name": "Karoo", "slug": "karoo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0325dd0445e6e32c47cab4c3ffeb0610307557e0.png", "website": "https://www.karoo.ca", "all_locations": "Toronto, ON, Canada", "long_description": "US consumers within the risk appetite of prime lenders are served by the most competitive and efficient consumer lending marketplace globally. However, once you fall outside of this as a borrower, market efficiency breaks down and incumbents take advantage of low levels of competition to price gouge. We're fixing this.", "one_liner": "AI native consumer lending platform for underserved Americans", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1736890224, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Canada", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/karoo", "api": "https://yc-oss.github.io/api/batches/winter-2025/karoo.json" }, { "id": 30235, "name": "Rally", "slug": "rally-3", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c91984bb2308087803ae4f30c937c29f1d60e46.png", "website": "https://www.getrally.com/", "all_locations": "Berlin, Berlin, Germany", "long_description": "Rally is a financial platform for businesses that operate vehicle fleets. We're starting in Europe, where over €1 trillion is spent annually on fuel, charging, maintenance, and other fleet expenses - most of it still running on legacy networks built in the 1960s.\r\n\r\nWe set a new standard for fleet finance by streamlining payments and automating workflows across bookkeeping, credit, and driver payroll, helping real-world businesses like delivery services, construction crews, and service technicians stay in control and operate efficiently.", "one_liner": "Financial OS for Modern Fleets", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1739666420, "tags": [ "Fintech", "Logistics", "Transportation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Germany", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/rally-3", "api": "https://yc-oss.github.io/api/batches/winter-2025/rally-3.json" }, { "id": 30253, "name": "finbar", "slug": "finbar", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/79a24ae2dbf8c5f1b06b70c124868d6c9383b535.png", "website": "https://finbar.com", "all_locations": "London, United Kingdom", "long_description": "finbar is the AI investment analyst used by several top-20 (AUM) hedge funds. It automates financial modelling, research, and data analysis so multi-million-dollar decisions can be made 100x faster.", "one_liner": "The AI investment analyst", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1736618357, "tags": [ "Documents", "Fintech", "Finance", "Workflow Automation" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/finbar", "api": "https://yc-oss.github.io/api/batches/winter-2025/finbar.json" }, { "id": 30256, "name": "PAX Markets", "slug": "pax-markets", "former_names": [ "PAX Markets, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/05c8cff591b86d49ecb387cae532233ca6d248ee.png", "website": "https://pax.markets/", "all_locations": "San Francisco, CA, USA", "long_description": "PAX is a new crypto CEX that delivers more 𝛼 with its in-silicon exchange and HFT technology. The PAX exchange integrated on-chip λ API provides deterministic nanosecond tick-to-trade latency. HFT λ traders experience non-adverse counterparty selection by pairing with free-tier traders who access PAX using our zero-cost & always rebated legacy API.\r\n\r\nUsing our patented technology, PAX is building a new generation of exchange co-lo facilities that unite HFT with exchange and monetizing by vertically integrating exchange and platform technology as one.", "one_liner": "More 𝛼, less latency: exchange and HFT on one chip.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1738613936, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pax-markets", "api": "https://yc-oss.github.io/api/batches/winter-2025/pax-markets.json" }, { "id": 30269, "name": "Pluto", "slug": "pluto", "former_names": [ "PowerPlay", "Strike" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b533d4bccae312fbf4823b72ca0d59a43a6ebff2.png", "website": "https://www.pluto.trade", "all_locations": "New York, NY, USA", "long_description": "First regulated exchange for compute", "one_liner": "Regulated derivatives exchange", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1740523068, "tags": [ "Artificial Intelligence", "FinOps", "Fintech", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pluto", "api": "https://yc-oss.github.io/api/batches/winter-2025/pluto.json" }, { "id": 30285, "name": "Karsa", "slug": "karsa", "former_names": [ "Agency" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4e70eb9dc2e6d81269e32986a94420bc07247202.png", "website": "https://gokarsa.com/", "all_locations": "New York, NY, USA", "long_description": "Karsa is a stablecoin neobank for over 100M people in emerging markets. We enable people to buy dollar-denominated stablecoins, save money in US bank accounts, and spend anywhere with a Visa card.", "one_liner": "Stablecoin neobank for emerging markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1737358426, "tags": [ "Fintech", "Emerging Markets", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/karsa", "api": "https://yc-oss.github.io/api/batches/winter-2025/karsa.json" }, { "id": 30288, "name": "Harper", "slug": "harper", "former_names": [ "Tatch" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.png", "website": "https://www.harperinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "At Harper, we are building a fully autonomous commercial insurance brokerage powered by AI. Our initial focus is on mid-sized businesses with complex insurance needs, but our vision is to eventually serve every business in the country.\r\n\r\nBy leveraging AI to automate key workflows in the insurance process, we efficiently secure optimal coverage for each client's unique requirements at competitive prices and with rapid turnaround. Our AI system learns from the expertise of our brokers, accumulating not just knowledge but also the specific workflows, data, and capabilities that pave the way to full autonomy.", "one_liner": "AI-native commercial insurance brokerage", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1735235398, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/harper", "api": "https://yc-oss.github.io/api/batches/winter-2025/harper.json" }, { "id": 30295, "name": "Infinite", "slug": "infinite", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ee72e2d0f729f9fecd56cec594e37086a27cff9.png", "website": "https://infinite.dev", "all_locations": "San Francisco, CA, USA", "long_description": "Infinite is a stablecoin payment processor. We offer businesses turnkey APIs and SDKs to instantly move money anywhere in the world at a fraction of the cost of traditional solutions.", "one_liner": "Global B2B Stablecoin Processor", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1739870082, "tags": [ "Developer Tools", "Payments", "B2B", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/infinite", "api": "https://yc-oss.github.io/api/batches/winter-2025/infinite.json" }, { "id": 30338, "name": "CopyCat", "slug": "copycat", "former_names": [ "Platter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3785aeb576199608d424a1f1a22cefc23e51e52e.png", "website": "https://runcopycat.com", "all_locations": "Seattle, WA, USA", "long_description": "CopyCat builds AI specifically for the commercial insurance industry. We save brokers 5-10hrs hours a week by automating repetitive CSR and Sales tasks.", "one_liner": "AI agents built for insurance. ", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1734580429, "tags": [ "Artificial Intelligence", "B2B", "Logistics", "Healthcare", "Operations" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/copycat", "api": "https://yc-oss.github.io/api/batches/winter-2025/copycat.json" }, { "id": 30349, "name": "Hudson", "slug": "hudson", "former_names": [ "Trestle", "Tally", "Merit", "Tally", "Candid", "Argos", "Tally", "Hudson", "Tally" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0d1c15f32931daef43769bb2a1b0bbd50edfca65.png", "website": "https://www.meethudson.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1739308183, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hudson", "api": "https://yc-oss.github.io/api/batches/winter-2025/hudson.json" }, { "id": 30357, "name": "Vantel", "slug": "vantel", "former_names": [ "Vantage AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/882e8b4377acdc7c7f1830babf0cd1f7b2e00058.png", "website": "https://vantel.com/", "all_locations": "", "long_description": "AI OS for commercial insurance brokerages.", "one_liner": "AI Platform for Commercial Insurance Brokerages", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1738065592, "tags": [ "Documents", "Insurance", "CRM" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/vantel", "api": "https://yc-oss.github.io/api/batches/winter-2025/vantel.json" }, { "id": 30363, "name": "BlindPay", "slug": "blindpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.png", "website": "https://blindpay.com/", "all_locations": "San Francisco, CA, USA", "long_description": "BlindPay is a stablecoin API that enables companies to send and receive money worldwide using fiat money, stablecoins and multiple blockchains. We handle all the complex compliance and regulatory requirements, so companies can focus on their core business.", "one_liner": "Stablecoin API for global payments", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1737430094, "tags": [ "Developer Tools", "Fintech", "Crypto / Web3", "Payments", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/blindpay", "api": "https://yc-oss.github.io/api/batches/winter-2025/blindpay.json" }, { "id": 30367, "name": "QFEX", "slug": "qfex", "former_names": [ "PSEx", "PFEx", "Entimox", "QFEX", "QFEx" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "website": "https://qfex.com", "all_locations": "London, England, United Kingdom", "long_description": "QFEX is the 24/7 exchange for traditional financial markets.\r\n\r\nWe let you trade US equities, commodities and FX pairs with (or without) leverages of up to 100x. On QFEX, UX comes first: brokerless market access, seamless integration with traditional payment rails, and ultra-efficient Perpetual Futures offered over all asset classes. Trading has never been simpler, cheaper or fairer than with QFEX.\r\n\r\nFounded by Quants and Engineers from Citadel & Tower Research who saw an opportunity to make markets how they always should have been, QFEX will eventually replace the entire $100 billion exchange and clearing industry.", "one_liner": "24/7 Global Stock Exchange", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1747069734, "tags": [ "Fintech", "Marketplace", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/qfex", "api": "https://yc-oss.github.io/api/batches/spring-2025/qfex.json" }, { "id": 30384, "name": "Chestnut", "slug": "chestnut", "former_names": [ "Detta" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.png", "website": "https://chestnutmortgage.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.", "one_liner": "The first AI mortgage lender", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1747766524, "tags": [ "Fintech", "Real Estate", "Consumer", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/chestnut", "api": "https://yc-oss.github.io/api/batches/spring-2025/chestnut.json" }, { "id": 30415, "name": "Avallon AI", "slug": "avallon-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac85a0bca77fe890f3dc1aadd1f0f8a554481659.png", "website": "https://www.avallon.ai/", "all_locations": "New York City, NY, USA", "long_description": "Avallon automates insurance claims operations with AI agents that handle routine calls and documents processing. ", "one_liner": "AI agents for insurance claims operations", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1744318663, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/avallon-ai", "api": "https://yc-oss.github.io/api/batches/spring-2025/avallon-ai.json" }, { "id": 30426, "name": "Ralo", "slug": "ralo", "former_names": [ "Approval AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd1079ebae09b6f3c1cfa789bc4e9fa9c80c8537.png", "website": "https://www.ralo.com/", "all_locations": "New York City, NY, USA", "long_description": "Ralo is the first AI-native mortgage broker. We use AI to remove layers of overhead and pass the savings back to borrowers. Our customers get rates more than half a point below the national average, save tens of thousands of dollars over the life of their loan. ", "one_liner": "AI-Native Mortgage Broker", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1744861920, "tags": [ "Fintech", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ralo", "api": "https://yc-oss.github.io/api/batches/spring-2025/ralo.json" }, { "id": 30427, "name": "Acolite", "slug": "acolite", "former_names": [ "Blueplan", "Anvil" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bee88ddf2837ce69f6bc53bc24d264569098af38.png", "website": "https://acolite.ai", "all_locations": "New York, NY, USA", "long_description": "Acolite is an AI-powered insurance brokerage purpose-built for the construction industry. We combine modern technology with dedicated, licensed brokers to help contractors get the right coverage faster and at better rates than traditional brokerages can offer.", "one_liner": "AI Native Commercial Insurance Broker", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1747166393, "tags": [ "Artificial Intelligence", "Insurance", "Operations" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/acolite", "api": "https://yc-oss.github.io/api/batches/spring-2025/acolite.json" }, { "id": 30514, "name": "Scalar Field", "slug": "scalar-field", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b28fd1bee5f680014678e8985405788a687849f.png", "website": "https://www.scalarfield.io/", "all_locations": "", "long_description": "We’re building the agentic trading desk for the new operating system of markets.\r\n\r\nI used to be a trader at Tower Research and Goldman Sachs, and I’m building Scalar Field with my co-founder Ramakant, who led engineering teams at Microsoft.\r\n\r\nWe’ve both spent our careers at the intersection of finance and technology, and we’re using that experience to rethink how markets are analyzed, tested, and traded in the age of agents.\r\n\r\nScalar Field is built around a simple belief: over the next few years, agents will not just help people research markets — they will actively participate in them.\r\n\r\nThey will monitor news, parse filings, track sentiment, test hypotheses, rebalance portfolios, and execute trades. They will turn ideas into strategies, and strategies into live portfolios.\r\n\r\nBut today’s financial infrastructure was not built for that world.\r\n\r\nTerminals are dashboards. Backtesting tools are fragmented. Execution systems are separate. Market data is hard to unify. And most platforms still assume the human is the only decision-maker.\r\n\r\nScalar Field changes that.\r\n\r\nWe’re building an agentic trading platform where users can create financial agents that research data, backtest strategies, monitor market events, and trigger trades when specific conditions are met.\r\n\r\nThe long-term vision is agentic ETFs: portfolios created, managed, and rebalanced by agents around any idea, narrative, event, or market signal.\r\n\r\nScalar Field lets users go from thesis to backtest to live portfolio in one place.\r\n\r\nIt is infrastructure for the agentic trading era.\r\n", "one_liner": "Your Agentic Trading Desk — Building the next era of agentic…", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1746086893, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/scalar-field", "api": "https://yc-oss.github.io/api/batches/spring-2025/scalar-field.json" }, { "id": 30591, "name": "Autonomous Technologies Group", "slug": "autonomous-technologies-group", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1418e292df2ccff4d9598566261526adff42355d.png", "website": "https://becomeautonomous.com/", "all_locations": "New York, NY, USA", "long_description": "Autonomous is a superintelligent financial advisor at 0% advisory fees. \r\n\r\nToday, managing your money means one of two bad options:\r\n\r\nDIY your money: You end up with accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job.\r\n\r\nHire a financial advisor: They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees.\r\n\r\nNeither path can economically deliver the sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc.\r\n\r\nThese aren't secret – they're just economically impossible to deliver at scale through traditional human advisors.\r\n\r\nRobos were supposed to fix this, but they were designed in a pre-AI world. In practice they just manage cookie-cutter portfolios. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions.\r\n\r\nWe’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors.\r\n\r\nAutonomous is built around a frontier-scale reasoning engine—an AI that perceives global events as they unfold, understanding their deeper implications for markets and and most importantly, how these events will impact your investments. ", "one_liner": "Superintelligent financial advisor", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1764806109, "tags": [ "Artificial Intelligence", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/autonomous-technologies-group", "api": "https://yc-oss.github.io/api/batches/fall-2025/autonomous-technologies-group.json" }, { "id": 30614, "name": "Astor", "slug": "astor", "former_names": [ "Gaus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84b5fdcf24f0c61830898968d03a605cac559df3.png", "website": "https://astor.app/", "all_locations": "San Francisco, CA, USA", "long_description": "Astor is an AI investment advisor for retail investors.\r\n\r\nFounded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Astor gives every active investor an AI investment advisor working around the clock to surface their next great investment. We’re backed by YC (S25).\r\n\r\nRetail investors now account for 25% of all U.S. trading volume, nearly double from 2012. But over 56% still say they don’t feel confident in their investment decisions. Astor fixes that. \r\n\r\nOur AI agents uncover opportunities, decode emerging trends, and deliver analysis tailored to you. Instead of drowning in noise, investors gain a clear edge, shifting from guesswork to confident decision-making.\r\n", "one_liner": "AI advisor for retail investors", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1754607917, "tags": [ "Fintech", "Investing", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/astor", "api": "https://yc-oss.github.io/api/batches/summer-2025/astor.json" }, { "id": 30619, "name": "Shor", "slug": "shor", "former_names": [ "Kesher Link", "ShorPay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9323f5fe8a247ae355ff7d76dd80f82fd6b8e192.png", "website": "https://www.shorpay.com", "all_locations": "San Francisco, CA, USA", "long_description": "Shor is international payroll, built for founders. Hire your first international employee or contractor at startup speed. Set up on one call, run payroll the same week.\r\n\r\nPay contractors and employ full-time team members through Shor's EOR across the world. Localized contracts, automatic compliance, and same-day local-currency payouts at a flat FX margin. No setup fees, no lock-ins.\r\n\r\nBacked by Polychain Capital, Founders Capital, and Goodwater, among others.", "one_liner": "International payroll, built for founders", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1753916245, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/shor", "api": "https://yc-oss.github.io/api/batches/summer-2025/shor.json" }, { "id": 30706, "name": "Solva", "slug": "solva", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b15b9a0a3aeadaf4902e3ef1a27712b5677c90d6.png", "website": "https://solvatechnology.com", "all_locations": "New York City, NY, USA", "long_description": "The domain specific AI for claims that gives leading insurers clarity and speed on the most complex claims", "one_liner": "Automates insurance claims and stops incorrect payouts", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1754360048, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/solva", "api": "https://yc-oss.github.io/api/batches/summer-2025/solva.json" }, { "id": 30749, "name": "Fernstone", "slug": "fernstone", "former_names": [ "Sentri Security", "Sentri" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2529eaf040180126a595ccd660f42824d36e2dae.png", "website": "https://www.fernstone.com", "all_locations": "New York City, NY, USA", "long_description": "Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 100+ businesses in construction, security, and the trades. ", "one_liner": "AI-native insurance brokerage. ", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1759775643, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fernstone", "api": "https://yc-oss.github.io/api/batches/fall-2025/fernstone.json" }, { "id": 30786, "name": "Munify", "slug": "munify", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.png", "website": "https://munify.ai", "all_locations": "Remote", "long_description": "Munify is the cross-border Neobank for the Middle East and its diaspora. Instantly open a USD account, get a virtual card, and send money home at the best rates, all from one app.", "one_liner": "The Cross-Border Neobank for the Middle East", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1755868164, "tags": [ "Fintech", "Consumer", "B2B", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/munify", "api": "https://yc-oss.github.io/api/batches/summer-2025/munify.json" }, { "id": 30797, "name": "Veritus", "slug": "veritus", "former_names": [ "Veritus Agent" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.png", "website": "https://www.veritus.com", "all_locations": "San Francisco, CA, USA", "long_description": "Veritus is a omni-channel platform for deploying AI agents for loan servicing and collections, including inbound and outbound voice agents. Our agents negotiate repayment plans, follow up across channels, and drive recoveries with zero human involvement.\r\n\r\nBy combining cutting edge voice AI with deep regulatory compliance and vertical specialization we're able to drastically reduce the cost-to-collect while increasing recovery rates. ", "one_liner": "AI agents for the consumer lending industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1753735109, "tags": [ "Fintech", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/veritus", "api": "https://yc-oss.github.io/api/batches/summer-2025/veritus.json" }, { "id": 30798, "name": "Ruvo", "slug": "ruvo", "former_names": [ "Cacao" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "website": "https://ruvo.com/", "all_locations": "São Paulo, SP, Brazil", "long_description": "Ruvo is a global account for receiving, holding, and moving money between USD and BRL.\r\n\r\nWe connect Pix, crypto, and Visa so you can receive USD from abroad, convert between USD and BRL in minutes, send money to the U.S., spend worldwide, and save in digital dollars with yield — all in one place.\r\n\r\nRuvo supports both personal (CPF) and business (CNPJ) accounts, with low fees, strong security, and direct Pix settlement.\r\n\r\nFormerly known as Cacao.\r\n", "one_liner": "The Global Dollar App for Brazil", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1754882271, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ruvo", "api": "https://yc-oss.github.io/api/batches/summer-2025/ruvo.json" }, { "id": 30802, "name": "Freya", "slug": "freya", "former_names": [ "CourseShark" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd359a60dfecfce9e7a798a4a228f08f05943dcb.png", "website": "https://freyavoice.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Voice AI for Enterprises", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1754641408, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/freya", "api": "https://yc-oss.github.io/api/batches/summer-2025/freya.json" }, { "id": 30850, "name": "Zavo", "slug": "zavo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9a1286c1ed0f215411585d2faaf1c76a245ee266.png", "website": "https://zavopay.com", "all_locations": "London, United Kingdom", "long_description": "Zavo is the AI-powered operating system for restaurants.\r\n\r\nWe bring payments, point of sale, and AI agents into one unified platform, so restaurants can run their entire business seamlessly.\r\n\r\nFrom reservations to payments to POS, Zavo replaces fragmented tools with a fully integrated stack built in-house. Our AI agents automate repetitive tasks, streamline operations, and help teams focus on delivering great guest experiences.", "one_liner": "AI Operating System for Restaurants ", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1758482945, "tags": [ "Artificial Intelligence", "Fintech", "Payments", "B2B", "Restaurant Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zavo", "api": "https://yc-oss.github.io/api/batches/fall-2025/zavo.json" }, { "id": 30860, "name": "Alt-X", "slug": "alt-x", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/949208e95883f37f6c02c5daa9417bb2876ac66f.png", "website": "https://alt-x.co", "all_locations": "Los Angeles, CA, USA", "long_description": "Alt-X is building the AI-native liquidity layer for private markets.\r\n\r\nPrivate markets have created trillions of dollars in value, yet remain fragmented, illiquid, and inaccessible. While public markets benefit from exchanges, market makers, brokerages, and data infrastructure, private markets still rely on brokers, spreadsheets, and manual workflows to connect buyers and sellers.\r\n\r\nAlt-X uses AI to automate the core functions required to make private assets liquid. We streamline diligence, valuation, investor matching, and transaction execution, reducing the friction that makes private-market transactions slow, expensive, and opaque today.\r\n\r\nOur initial focus is venture-backed secondaries. We source opportunities from founders, employees, and early investors while building a network of accredited investors seeking exposure to the world's most valuable private companies. Over time, we believe every private asset—from startup equity to private credit and alternative investments—will require modern liquidity infrastructure.\r\n\r\nBuilding trusted infrastructure for private markets is difficult. Transactions involve complex diligence, fragmented information, transfer restrictions, and significant compliance requirements. Alt-X is focused on creating systems that can support real transactions at scale, not just marketplace listings.\r\n\r\nRyan Samadi (Stanford CS/AI, former Citadel commodities trader) and Michael Wachsman (Cornell CS, infrastructure engineer) are building Alt-X because they believe ownership of innovation should be more liquid, transparent, and accessible. Today, Alt-X has sourced over $1.5 million in transaction opportunities and assembled a network of 40 accredited investors representing hundreds of millions of dollars in investable assets.\r\n\r\nOur mission is to democratize ownership of innovation by building the financial infrastructure that private markets have never had.", "one_liner": "Building the best venue for private markets exposure.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1761174591, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/alt-x", "api": "https://yc-oss.github.io/api/batches/winter-2026/alt-x.json" }, { "id": 30922, "name": "Selfin", "slug": "selfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c62fd75050245643921b794ea15f1786d2ee9033.png", "website": "https://selfin.app", "all_locations": "San Francisco, CA, USA", "long_description": "Selfin is developing AI-powered banking. Users can enjoy personalised recommendations and optimisations of their finances by connecting all their financial products on a single platform. ", "one_liner": "Building the first AI Bank", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1759770880, "tags": [ "Fintech", "Finance", "Consumer", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/selfin", "api": "https://yc-oss.github.io/api/batches/fall-2025/selfin.json" }, { "id": 30924, "name": "Casey", "slug": "casey", "former_names": [ "Clausee" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa8267b34eb44ac708090ff04ca6eeef01fa75d3.png", "website": "https://caseyinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Casey is an AI-native commercial insurance brokerage. Our insurance brokers focus on client relationships and closing business, whilst our AI handles all the operational work behind the scenes.\r\n\r\n", "one_liner": "Casey is an AI-native commercial insurance brokerage", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1759942019, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/casey", "api": "https://yc-oss.github.io/api/batches/fall-2025/casey.json" }, { "id": 30964, "name": "Sava", "slug": "savahq", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adc8f9d4d6337ea663afc0947984b8597189cd0a.png", "website": "https://www.savahq.com", "all_locations": "New York City, NY, USA", "long_description": "If you are a trusts & estates attorney, RIA, fintech, or family office interested in Sava, reach us at founders@savahq.com", "one_liner": "Building the future of trusts", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1762196127, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/savahq", "api": "https://yc-oss.github.io/api/batches/fall-2025/savahq.json" }, { "id": 30981, "name": "Freeport Markets", "slug": "freeport-markets", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7785e7f2104cbe8c0fd7a9462d42a9b03d5aeb86.png", "website": "https://www.freeportmarkets.com/", "all_locations": "New York, NY, USA", "long_description": "Freeport is a trading platform for pre-IPO shares, equities, crypto, and perpetual futures. Our AI analysts turn trusted social and financial media into a real-time feed of market-moving news and actionable trade ideas.", "one_liner": "Trade like a hedge fund. ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1758671175, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Consumer Finance", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/freeport-markets", "api": "https://yc-oss.github.io/api/batches/fall-2025/freeport-markets.json" }, { "id": 30992, "name": "Amera", "slug": "amera", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d7bb0bb02c318b2ce1debb47ea96eaba0ea5c5b3.png", "website": "https://amerahealthsolutions.com/", "all_locations": "", "long_description": "Amera automates claims processing for health insurance payers. We turn messy claim inputs (PDFs, bills, receipts, EDI and non-standard submissions) into structured data that plugs into existing systems. This cuts manual entry and exception handling, speeding up operations and reducing cost.\r\n\r\nWe are already working with payers / plan administrators representing ~100k members, giving them access to more affordable care options.", "one_liner": "Automating claims processing workflows for health insurance payers.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1762373612, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/amera", "api": "https://yc-oss.github.io/api/batches/fall-2025/amera.json" }, { "id": 31077, "name": "Panta", "slug": "panta", "former_names": [ "Panta Insure" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dff0894649ff29064b020845633a9ebb22c2e9de.png", "website": "https://pantainsure.com", "all_locations": "San Francisco, CA, USA", "long_description": "Panta is a technology-enabled commercial insurance brokerage: we combine AI-powered internal workflows with licensed brokers to help businesses secure complex coverage faster than anyone in the world. ", "one_liner": "AI Native Commercial Insurance Brokerage ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1766956081, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/panta", "api": "https://yc-oss.github.io/api/batches/winter-2026/panta.json" }, { "id": 31083, "name": "Kita", "slug": "kita", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "website": "https://www.usekita.com/", "all_locations": "San Francisco, CA, USA", "long_description": "In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. \r\n\r\nKita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions.\r\n\r\nUnder the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system.\r\n\r\nWe’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.", "one_liner": "Automate credit review for lenders in emerging markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767738733, "tags": [ "Fintech", "Computer Vision", "Lending", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kita", "api": "https://yc-oss.github.io/api/batches/winter-2026/kita.json" }, { "id": 31092, "name": "Axis", "slug": "axis-2", "former_names": [ "Sweep" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/df40cb588620cffc3ef3422877d0ebdcddbe4434.png", "website": "https://axisanalysis.com", "all_locations": "San Francisco, CA, USA", "long_description": "Axis is building an AI Native Trading System, allowing a trader to deploy models that monitor and analyze relevant markets and strategies. We've chosen commodities as our first market.\r\nCommodities make up a third of global goods exports, and physical commodities traders decide the movement and storage of metals, agricultural products, and energy across the globe. They trade in public markets and bilateral OTC agreements. Engaging in these markets is complexing, covering derivatives positioning, refinery data, storage inventory, import/exports, geopolitical events and more. Axis is building an AI driven analytical layer for these markets.\r\n", "one_liner": "An AI Copilot for Trading Desks", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1769120993, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/axis-2", "api": "https://yc-oss.github.io/api/batches/winter-2026/axis-2.json" }, { "id": 31119, "name": "ZeroSettle", "slug": "zerosettle", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/452371c9b837fb899ab50db5096bb04a576b19fb.png", "website": "https://zerosettle.io", "all_locations": "", "long_description": "ZeroSettle is a mobile SDK that switches customers from App Store billing to direct billing. It takes 15 minutes to set up and immediately unlocks zero App Store fees, higher retention/conversion, and instant payouts.", "one_liner": "Drop-in Direct Billing SDK for In-App Purchases", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1770252325, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zerosettle", "api": "https://yc-oss.github.io/api/batches/winter-2026/zerosettle.json" }, { "id": 31126, "name": "Palus Finance", "slug": "palus-finance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0848c6eda1cd290639119a9922d58316825a98e4.png", "website": "https://palus.finance", "all_locations": "", "long_description": "After a fundraise, you want to focus 100% on scaling your company, but suddenly there's a mountain of finance and ops decisions you need to figure out. Though these tasks feel like distractions, making the wrong decisions here can literally kill your company.\r\n\r\nPalus is your startup's financial advisor. We help you with the decisions that come with scaling: where to store your cash, how to think about runway, and how to optimize your company’s finance/ops setup.\r\n\r\nPalus will save you dozens of hours on operations work, help you avoid making financial mistakes, and our cash management service can earn you $100s of thousands in extra yield on your fundraise without switching banks or taking on unnecessary risk. And you can reach us 24/7 via Slack.\r\n\r\nWhat makes us an advisor and not another bank or finance tool is that we're an actual fiduciary, not a product with a salesperson attached. Mercury, Rho, and Brex can't legally give you financial advice; they hand you a dashboard and leave the decisions to you. Palus signs an advisory contract with you, giving us a legal fiduciary duty to act in your company’s best interest. This lets us give you actionable financial advice and optimize your cash to best suit your goals and company’s needs.\r\n\r\nSam and Michael are technical cofounders who met at Caltech. Sam previously built the AI research platform for a $3T AUM asset manager; Michael built quantum computers for the defense industry.", "one_liner": "Your startup's financial advisor", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1773084349, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/palus-finance", "api": "https://yc-oss.github.io/api/batches/winter-2026/palus-finance.json" }, { "id": 31129, "name": "Verdex", "slug": "verdex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f35f0d4e2a885cb8f0c3f1b37d3a0f972156d53.png", "website": "https://www.verdexai.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Verdex is an AI insurance adjuster. We use data streams like satellite imagery to verify claims, allowing insurers to process it immediately and save billions of dollars. We are currently helping insure over 11% of all American farmland.", "one_liner": "AI Verification for Insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1768239774, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/verdex", "api": "https://yc-oss.github.io/api/batches/winter-2026/verdex.json" }, { "id": 31168, "name": "Instinct", "slug": "instinct-xyz", "former_names": [ "Assonant" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f2c4947196f35e938655df560aee5ba21c58b51.png", "website": "https://instinct.xyz", "all_locations": "San Francisco, CA, USA", "long_description": "We believe in the next generation of finance where everyone around the world can access the global market and liquidity from the tip of their hands. \r\n\r\nWe are building the best mobile trading app that will enable this vision. \r\n\r\nHyperliquid is the house of all finance, Instinct is the app of all finance. \r\n\r\nHyperliquid.", "one_liner": "Trade your instinct", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1779953002, "tags": [ "Artificial Intelligence", "Machine Learning", "Trading", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/instinct-xyz", "api": "https://yc-oss.github.io/api/batches/winter-2026/instinct-xyz.json" }, { "id": 31169, "name": "Proximitty", "slug": "proximitty", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c673e059e5a8ca7754f20b8d30a076bfb5c81c5b.png", "website": "https://proximitty.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Proximitty is the AI operating system for commercial loans - we build regulator-grade AI agents that ingest and parse documents, spread financials, automate loan operations and track covenants.\r\n\r\nWe help FDIC-insured banks and fintechs underwrite faster and scale their loan books without scaling costs.", "one_liner": "AI operating system for commercial loans", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1771451277, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/proximitty", "api": "https://yc-oss.github.io/api/batches/winter-2026/proximitty.json" }, { "id": 31187, "name": "Fenrock AI", "slug": "fenrock-ai", "former_names": [ "new co", "Fenrock.AI", "Fenrock AI", "Fenrock AI (YC W26)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "website": "https://fenrock.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "We're building the Harvey for traditional financial services, starting with compliance use cases for small- to mid-sized banks in the US.\r\n\r\nSpecialized AI agents for banks to 10x back office functions, which helps them pass regulatory exams and improve their efficiency ratios - the top 2 things every bank board cares about.\r\n\r\n", "one_liner": "AI agents for banking back office", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1769406704, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fenrock-ai", "api": "https://yc-oss.github.io/api/batches/winter-2026/fenrock-ai.json" }, { "id": 31188, "name": "Maywood", "slug": "maywood", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/25766f301c649782f67a8e41bd075b4e72544918.png", "website": "https://maywoodai.com/", "all_locations": "New York City, NY, USA", "long_description": "Maywood is the first finance-compliant proactive AI that runs 24/7, working across your network, pipeline, and active processes, running constantly in the background and surfacing things you'd otherwise miss. It tracks relationships and sector context to flag when a target is gearing up for a process (and drafts the outreach in your voice), watches network activity across LinkedIn, news, and conference follow-ups, and surfaces where active processes stand, including what's at risk since you last looked.\r\n\r\nIt also auto-updates CRMs and trackers and creates meeting briefs that includes relationship history, recent activity, deal context, external research, talking points that can pull from internal and external data sources. Dealmakers interact with it over email, Teams, or the platform itself. ", "one_liner": "The first finance-compliant proactive AI that runs 24/7", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1770247865, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/maywood", "api": "https://yc-oss.github.io/api/batches/winter-2026/maywood.json" }, { "id": 31194, "name": "Valence", "slug": "valence", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/355e8c5b3746af19fb0b6ef6149b2028474fbf0a.png", "website": "https://valence.trade", "all_locations": "San Francisco, CA, USA", "long_description": "Valence is a unified trading platform for prediction markets. We provide infrastructure to aggregate and execute contracts across Kalshi, Polymarket, and other platforms, surface arbitrage and mispricing opportunities in real time, and give systematic traders the API and backtesting tools they need to build and execute data-driven strategies on anything.", "one_liner": "Unified prediction markets trading platform", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1772497537, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/valence", "api": "https://yc-oss.github.io/api/batches/winter-2026/valence.json" }, { "id": 31204, "name": "Forum", "slug": "forum", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d74562fedba22811a7ce25c1922d244abfba883.png", "website": "https://www.forum.market/", "all_locations": "San Francisco, CA, USA", "long_description": "Forum is building the first exchange to trade on cultural attention.\r\n\r\nWe create indices from search, social, and streaming data to measure what the world cares about, enabling users to go long or short on changes in relevance.\r\n\r\nAttention is the primary driver of business success in the digital age, but it has never been directly tradable. Forum introduces attention as a new asset class for managing cultural and demand risk.", "one_liner": "The first exchange to trade on attention.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1768809553, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/forum", "api": "https://yc-oss.github.io/api/batches/winter-2026/forum.json" }, { "id": 31227, "name": "Sequence Markets", "slug": "sequence-markets", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/80a96ab006079967d4861f55c708c029f8a76a6f.png", "website": "https://sequencemkts.com/", "all_locations": "", "long_description": "Sequence Markets lets traders execute across crypto exchanges, prediction markets, and tokenized-asset venues from one system.\r\n\r\nWe built proprietary low-latency infrastructure and routing software so users can package one market view into one trade with the speed, access, and transparency execution requires.", "one_liner": "Low-latency execution across crypto, prediction, and tokenized assets", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767826402, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/sequence-markets", "api": "https://yc-oss.github.io/api/batches/winter-2026/sequence-markets.json" }, { "id": 31234, "name": "Ekpa", "slug": "ekpa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6e4cd183ffca48da0b8c0ac22b9a4a380bdecc65.png", "website": "https://goekpa.com/", "all_locations": "Boston, MA, USA", "long_description": "", "one_liner": "Building Autonomous Research Agents for Trading", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1764872371, "tags": [ "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/ekpa", "api": "https://yc-oss.github.io/api/batches/summer-2026/ekpa.json" }, { "id": 31255, "name": "Grade", "slug": "grade", "former_names": [ "Creator Check" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.png", "website": "https://usegrade.com", "all_locations": "San Francisco, CA, USA", "long_description": "Grade is the API for performance-based payroll. Think of us like Deel or Gusto, but our payouts are for work completed, not hours. Companies use Grade to pay AI agents and contractors based on results: tasks completed, targets hit, work delivered. We handle compliance, tax reporting, and global payouts.", "one_liner": "API for performance-based payroll", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1768947933, "tags": [ "Fintech", "Payments", "Payroll", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/grade", "api": "https://yc-oss.github.io/api/batches/winter-2026/grade.json" }, { "id": 31260, "name": "Copperlane", "slug": "copperlane", "former_names": [ "Sevenfold", "Rhombal", "Coevolved" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6c74fb63a006045b5124e1949931ca658a4aafd.png", "website": "https://www.copperlane.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Copperlane helps mortgage lenders accelerate the loan process and reduce mistakes in an application. We use AI agents to understand an applicant's profile, verify their documents, and complete initial underwriting tasks.", "one_liner": "Agentic Mortgage Origination", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1768253497, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/copperlane", "api": "https://yc-oss.github.io/api/batches/winter-2026/copperlane.json" }, { "id": 31273, "name": "SpotPay", "slug": "spotpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/86338b0909975d76f85bd358ddf08742a3e504aa.png", "website": "https://www.spotpay.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "SpotPay is a global borderless neobank. We give users one account that works for everything payments related: receiving money from abroad, paying locally, spending anywhere with the SpotPay card and saving and earning on their balance.", "one_liner": "Stablecoin Global Bank Account", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1767931304, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/spotpay", "api": "https://yc-oss.github.io/api/batches/winter-2026/spotpay.json" }, { "id": 31296, "name": "Unifold", "slug": "unifold", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/710f285bfbafa7ec0d7936331011b69c72d32a9f.png", "website": "https://unifold.io", "all_locations": "New York City, NY, USA", "long_description": "Launch crypto deposits in minutes. \r\n\r\nUnifold is a developer-first API + SDK that makes it easy for any app to accept on-chain deposits – across any chain and token – with less than 10 lines of code. We handle the full deposit flow so teams can ship faster and give users a smooth experience that actually works.\r\n\r\nIf you’re building a consumer-facing on-chain product and want best-in-class deposits (or want to support more chains fast), we’d love to work with you.\r\n", "one_liner": "Multi-chain deposit and payment infrastructure", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1771008732, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/unifold", "api": "https://yc-oss.github.io/api/batches/winter-2026/unifold.json" }, { "id": 31323, "name": "Hedge", "slug": "hedge", "former_names": [ "Taven" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "website": "https://www.hedgespecialty.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers. ", "one_liner": "AI-Native wholesale insurance company", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1777586182, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hedge", "api": "https://yc-oss.github.io/api/batches/spring-2026/hedge.json" }, { "id": 31330, "name": "Standard Signal", "slug": "standard-signal", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a8bb04e2bfc061803541bd6c36efdf20229704c.png", "website": "https://standardsignal.com", "all_locations": "New York City, NY, USA", "long_description": "Standard Signal is the first hedge fund that researches and executes trades purely with AI. Our custom models discover and trade on new fundamental truths about the world before humans can.", "one_liner": "Hedge fund where AI researches and executes every trade end-to-end", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1775159965, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/standard-signal", "api": "https://yc-oss.github.io/api/batches/spring-2026/standard-signal.json" }, { "id": 31344, "name": "Totalis", "slug": "totalis", "former_names": [ "UCALLEDIT®" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/511d877345852eb10f307bb1381829f64760f295.png", "website": "https://www.totalis.trade", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "derivative layer for prediction markets", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1774744766, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/totalis", "api": "https://yc-oss.github.io/api/batches/spring-2026/totalis.json" }, { "id": 31382, "name": "Kinro", "slug": "kinro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/76df6473c36e2adfda2b2ab7e987413907cd9c97.png", "website": "https://www.kinro.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We are building the first autonomous insurance brokerage.\r\n\r\nWe hit $1M in annual revenue building insurance workflows for brokers. Then we realized the bigger opportunity was replacing them.\r\n\r\nIn the US, there are 36 million SMBs, and 77% are underinsured because distribution is broken. Brokers can’t serve low-premium SMBs profitably: a $2K policy takes almost as much work as a $20K one.\r\n\r\nKinro changes that. Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.\r\n\r\nIn 3 weeks, we got licensed in 24 states and appointed by 10 carriers. Last week, our agents autonomously bound 9 policies.\r\n\r\nBefore Kinro, Pierre was an AI researcher at DeepMind. Corentin was Chief Insurance Officer at an insurtech. Parth built ML systems at Zoox.", "one_liner": "Autonomous insurance brokerage for small businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1773944938, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kinro", "api": "https://yc-oss.github.io/api/batches/spring-2026/kinro.json" }, { "id": 31385, "name": "Zolvo", "slug": "zolvo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/13449379aadac83de276a47cb8ee88b50b55c4f8.png", "website": "https://zolvo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Commercial lenders manage billions in assets on legacy software and manual workflows, their systems live on people’s heads like its the 90s. Zolvo replaces the entire back office with AI: automated data ingestion, invoice reconciliation, collections outreach, and funder monitoring. Our clients go live in weeks and eliminate hours of daily manual work per operator, allowing teams to only handle exceptions. We're building the future of commercial lending.", "one_liner": "AI Back-Office Automation for Commercial Lenders", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1773364062, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/zolvo", "api": "https://yc-oss.github.io/api/batches/spring-2026/zolvo.json" }, { "id": 31390, "name": "Wealor", "slug": "wealor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24805f90c326649a050015bbd590a7ce2f86c5c.png", "website": "https://wealor.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "AI-native platform for wealth managers", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1779951603, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/wealor", "api": "https://yc-oss.github.io/api/batches/spring-2026/wealor.json" }, { "id": 31391, "name": "HEVN, inc", "slug": "hevn-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9670403b854641364928ce34e110c0d9752c9d8d.png", "website": "https://gethevn.com", "all_locations": "", "long_description": "If you're paying contractors or employees across borders, your options today are limited to expensive platforms like Deel. And if your payout workflow is even slightly custom, you're out of luck.\r\n\r\nWe've solved this by building an agentic payroll platform. Just give us your contractor's email, and we'll take care of everything: onboarding, paperwork, contracts, invoices, KYC/KYB, and payments.\r\n\r\nWe save companies hundreds of hours of manual work and enable them to build fully customized payroll and payment workflows.", "one_liner": "Agentic payroll", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1777498705, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/hevn-inc", "api": "https://yc-oss.github.io/api/batches/spring-2026/hevn-inc.json" }, { "id": 31393, "name": "KelAI", "slug": "kelai", "former_names": [ "KelAI", "KelAI Capital", "KelAI", "KELAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/173bcf6c0b9d00045db94da34f174baaafeb2255.png", "website": "https://kelaitech.com/", "all_locations": "New York City, NY, USA", "long_description": "Founded by former WorldQuant portfolio manager & head of event driven systematic strategies Jeremie Cohen, KelAI is building the autonomous alpha engine for hedge funds, traders and institutional investors. \r\n\r\nInvestment teams now have more data, tools and compute than ever, but research still runs across siloed systems and inefficient workflows. KelAI turns that fragmented process into a compounding AI-native engine that continuously finds, tests and validates trading signals at a pace no human team can match.", "one_liner": "The AI Quant: Autonomous Alpha Engine for Funds and Traders.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1779077553, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kelai", "api": "https://yc-oss.github.io/api/batches/spring-2026/kelai.json" }, { "id": 31420, "name": "Kimpton AI", "slug": "kimpton-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/472bbf99a385182b4cadc467c7e537399ce04100.png", "website": "https://kimpton.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "In investment management, the final outcome isn't a deck or a memo. It's the trade. \r\n\r\nKimpton is the AI-native research platform for portfolio managers. We're commoditizing the research layer and handing PMs data distilled into structured trades. \r\n\r\nThe whole industry is fighting underperformance. Active managers trail their benchmarks, and capital keeps bleeding into passive. AI was supposed to fix that, but it hasn't. Funds either stitch together a dozen point tools or babysit general agents all day, and neither gets them to the trade. \r\n\r\nKimpton goes straight to it. It ingests a fund's mandate, strategy, and positions. It runs them through our own harness and returns a structured trade proposal built for that fund. It connects to any institutional data source they already run on. And it's built to disagree, because consensus is poison for investment decisions. Instead of telling a PM what they want to hear, it surfaces the breaches and risks they'd otherwise miss. \r\n\r\nWe're two ex-Goldman engineers and an ex-SpaceX engineer. We left to start our own quantitative systematic hedge fund. We raised $10M from a family office at 21 and 22, and scaled it to $35M over four years. We built Kimpton inside that fund, then productized the stack. \r\n\r\nWe're live with our first institutional client, a $3.3B manager, and our first market is fundamental equity funds from $1B to $10B.\r\n\r\nHumans make the decisions. Kimpton does everything else.", "one_liner": "The IDE for Investors", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1774039716, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kimpton-ai", "api": "https://yc-oss.github.io/api/batches/spring-2026/kimpton-ai.json" }, { "id": 31440, "name": "Mount", "slug": "mount", "former_names": [ "Cybe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa5208859312a795f7e72dfb9eb2a5149785a216.png", "website": "https://mount.insure", "all_locations": "San Francisco, CA, USA", "long_description": "TLDR: Mount is building the AI insurance carrier, starting with liability coverage for deployed AI agents. As everyone moves AI Agents into production and gives them more responsibility, we help businesses insure and secure them.\r\n\r\nWhenever responsibility shifts from human operators to autonomous systems, so too does the liability that accompanies it. The systems also introduce new risks: agentic software failures, prompt injection attacks, autonomous workflow errors, data leaks, and more.\r\n\r\nLegacy insurance was not built for this. Existing policies are often silent, ambiguous, or exclude autonomous software, and traditional insurers lack the data and technical capability to assess deployed AI Systems.\r\n\r\nOur first product, the Mount AI Liability Policy, is built for mid-market and enterprise companies deploying autonomous AI agents in real business processes. We scan and red-team AI deployments, quantify operational risk, help fix vulnerabilities, and insure the residual risk with purpose-built AI liability coverage.\r\n\r\nMount is best thought of as a highly automated version of today's commercial insurance carriers, which run on manual workflows, layers of intermediaries, and tens of thousands of employees. AI enables automation of underwriting, pricing, policy issuance, claims, fraud detection, customer support, and distribution. We believe that the best way to use this opportunity is to rebuild those processes from the ground up. ", "one_liner": "The AI Agent Insurance Carrier", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1775605248, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mount", "api": "https://yc-oss.github.io/api/batches/spring-2026/mount.json" }, { "id": 31447, "name": "Allowance", "slug": "allowance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefdb05a7320e2952ac117dd8b969cf5bab55d0a.png", "website": "https://useallowance.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Allowance lets AI agents make purchases on a user’s behalf without ever exposing your real card number.\r\n\r\nUsers approve purchases directly from their iPhone with customizable controls like spending limits, merchant restrictions, and expiration windows. Once approved, Allowance generates scoped, one-time payment credentials designed specifically for that transaction.\r\n\r\nThis enables AI agents to safely complete tasks like shopping, ordering food, booking reservations, or purchasing tickets while keeping humans in control of every payment.", "one_liner": "The spend control layer for AI agents", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1779136455, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/allowance", "api": "https://yc-oss.github.io/api/batches/spring-2026/allowance.json" }, { "id": 31450, "name": "River Markets", "slug": "river-markets", "former_names": [ "Centos Group" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1d52c6b2c2316334447d190e02bf6f2665c34ccb.png", "website": "https://www.rivermarkets.com", "all_locations": "San Francisco, CA, USA", "long_description": "River Markets is the prime brokerage for prediction markets. We aggregate every major event-contract venue into one account, giving professional traders best execution, portfolio and order management systems, and a unified API.", "one_liner": "Prime brokerage for prediction markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1779315257, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/river-markets", "api": "https://yc-oss.github.io/api/batches/spring-2026/river-markets.json" }, { "id": 31451, "name": "Archer", "slug": "archer", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8149769a0781242dca23d1bed75bdf39b4b9dba6.png", "website": "https://archermoney.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Archer is the financial infrastructure for the AI data economy.\r\n\r\nWe’re building global payouts, stablecoin banking, and yield infrastructure for the companies supplying data to frontier AI labs.\r\n\r\nAs demand for high-quality data grows, millions of contributors around the world are generating, labeling, validating, and improving the datasets that power modern AI systems. Yet the financial infrastructure behind these platforms remains slow, fragmented, and expensive.\r\n\r\nArcher enables data marketplaces, AI labor platforms, and reinforcement learning environment providers to onboard workers globally, pay contributors instantly, and earn yield on idle balances.\r\n\r\nToday, companies use Archer to manage contributor earnings, global payouts, and treasury operations across hundreds of countries and payment corridors.\r\n\r\nWe believe the next generation of AI companies will need purpose-built financial infrastructure. Just as cloud providers became the backbone of software, Archer is building the financial layer for the global workforce powering artificial intelligence.", "one_liner": "Global payouts for the workforce powering AI", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1776977656, "tags": [ "Crypto / Web3", "Neobank", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/archer", "api": "https://yc-oss.github.io/api/batches/spring-2026/archer.json" }, { "id": 31457, "name": "ValCtrl", "slug": "valctrl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1765dfae476622be6f06883ebedd8aeed86f8664.png", "website": "https://valctrl.com", "all_locations": "San Francisco, CA, USA", "long_description": "ValCtrl is building the intelligent prediction market: users type any public, resolvable belief about the future, ValCtrl structures it, prices it, and lets them trade it. Today’s prediction markets only support pre-listed questions, leaving user beliefs fragmented across venues, contract wording, rules, and proxy markets. ValCtrl’s world model maps typed beliefs to relevant market signals, evaluates basis risk, prices the claim, and moves toward model-priced liquidity where ValCtrl can take the other side with risk and compliance controls. We are starting from hard belief-to-market queries and building toward a market where anything that can be resolved can be priced.", "one_liner": "ValCtrl is building the only intelligent prediction market", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1779922059, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/valctrl", "api": "https://yc-oss.github.io/api/batches/spring-2026/valctrl.json" }, { "id": 31464, "name": "Soria", "slug": "soria", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/05b2506991797891dcda24e0fe6be2c7f7a60423.png", "website": "https://www.soriaanalytics.com/", "all_locations": "New York City, NY, USA", "long_description": "Soria is an AI-native Financial Terminal for investors who specialize in a particular sector, starting with healthcare. Our agents convert hundreds of the most important public and private sources into an always-on financial model, reviewed by domain experts and delivered to hedge funds, banks, and asset managers through a terminal UI, MCP, API, warehouse sync, and research feed. Unlike our competitors, we own the data layer and expand bottom-up, one sector at a time - additionally our agents proactively do research on behalf of our clients without them lifting a finger or sharing any data.", "one_liner": "AI Financial Research Terminal built for Healthcare (and beyond)", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1779835583, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/soria", "api": "https://yc-oss.github.io/api/batches/spring-2026/soria.json" }, { "id": 31522, "name": "Gravy", "slug": "gravy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/046c8f79269b011fabec54b03a626f072794e49d.png", "website": "https://gravy.finance", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Agents that move money, trade stocks, and file taxes.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1779811070, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gravy", "api": "https://yc-oss.github.io/api/batches/spring-2026/gravy.json" }, { "id": 31526, "name": "Uno Wallet", "slug": "uno-wallet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "website": "https://myunowallet.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Uno is the first third-party wallet granted access by Apple to become the default contactless wallet on iPhone. Uno is building a new payment rail, starting with a smarter wallet experience.\r\n\r\nThe wedge is credit card points optimization. \r\n\r\nFounded by Saket Joshi (www.linkedin.com/in/saket-dattatray-joshi/) and \r\nMordi Shadpour (www.linkedin.com/in/mordi-shadpour/)", "one_liner": "The AI mobile wallet that replaces Apple Pay", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1779834493, "tags": [ "Fintech", "Payments", "Consumer", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/uno-wallet", "api": "https://yc-oss.github.io/api/batches/spring-2026/uno-wallet.json" }, { "id": 31529, "name": "Mochatrade", "slug": "mochatrade", "former_names": [ "Marvin", "Leverberry" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b53aed7c2d61caf968cbcb61a42f6cd0f7f65ef9.png", "website": "https://www.mochatrade.com", "all_locations": "San Francisco, CA, USA", "long_description": "Mochatrade lets global traders trade perpetual futures on US stocks with up to 20x leverage. Access 50+ US stocks including TSLA, NVDA, AAPL. Mocha is fully self-custodial and no US brokerage account is needed. Traders on-ramp in local currencies and get professional-grade execution on the world's most liquid equities. Starting with India (140M+ demat account holders), and expanding across other markets.", "one_liner": "US stock perps for Indian traders", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1775162589, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/mochatrade", "api": "https://yc-oss.github.io/api/batches/spring-2026/mochatrade.json" }, { "id": 31539, "name": "Klaimee", "slug": "klaimee", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/28ec0b5eb9ee17aca79ca3ae9075dcef5cfe09eb.png", "website": "https://www.klaimee.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.\r\nBuilt for companies deploying agentic AI, self-serve from day one.\r\n\r\nThe problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks \"who pays if your agent breaks something?\" and there's no good answer.\r\n \r\nWe built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off.\r\n\r\nTeam: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance).\r\n\r\nWe understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.", "one_liner": "Liability insurance for AI Agents. You deploy agents, we cover you.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1775456412, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/klaimee", "api": "https://yc-oss.github.io/api/batches/spring-2026/klaimee.json" }, { "id": 31564, "name": "Huscarl", "slug": "huscarl", "former_names": [ "Huscarl", "Huscarl Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f24300b3eb986e7f19356d2f4af0a1aefc7a5841.png", "website": "https://www.huscarl.io/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Huscarl is building an autonomous AI actuary to enable self-insurance for corporations.\r\n\r\nLarge companies use insurance subsidiaries (\"captives\") to self-insure their risks. Some of these captives are larger than regional insurers. We provide them the actuarial and modeling layer to operate and grow.\r\n\r\nWe're building a future where self-insurance is the default, and commercial insurance the exception. This is the best way to solve the inefficiencies of the $1T corporate insurance market.", "one_liner": "AI-native actuary enabling self-insurance for corporations", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1776797773, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/huscarl", "api": "https://yc-oss.github.io/api/batches/spring-2026/huscarl.json" }, { "id": 32089, "name": "Blueprints", "slug": "blueprints", "former_names": [ "Carbon Copy", "Carboncopy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b5ae24985462d50b5267e6bca51332341df6d38.png", "website": "https://useblueprints.ai", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Agentic harness for financial markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1782199103, "tags": [ "Fintech", "Generative AI", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/blueprints", "api": "https://yc-oss.github.io/api/batches/summer-2026/blueprints.json" }, { "id": 32650, "name": "Risklytics", "slug": "risklytics", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0ad1653f775fb272b3481e8715c274f46c2c464.png", "website": "https://www.risklytics.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "We build AI-powered catastrophe risk models that help insurers, reinsurers, and financial institutions better understand and quantify natural disaster risk. Our platform combines continuously updated data, property-level analysis, and synthetic catastrophe simulations to deliver more accurate, transparent, and flexible risk assessments than traditional catastrophe models.", "one_liner": "AI-powered catastrophe risk modeling", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1783123197, "tags": [ "Machine Learning", "B2B", "Climate", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/risklytics", "api": "https://yc-oss.github.io/api/batches/summer-2026/risklytics.json" }, { "id": 33018, "name": "Agentcard", "slug": "agentcard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aba1ff38c8593a6ce1ecdd01f1125330e298ac04.png", "website": "https://agentcard.sh", "all_locations": "San Francisco, CA, USA", "long_description": "Agentcard.sh is a debit card for AI agents. Agents can use Agentcard’s API to issue cards and pay for things online autonomously.", "one_liner": "debit cards for AI agents.", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1780682746, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/agentcard", "api": "https://yc-oss.github.io/api/batches/summer-2026/agentcard.json" }, { "id": 33023, "name": "Levocred AI", "slug": "levocred-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bbbf3d7f7c1c77264bdea3c5e95a8c6d460cd1f.png", "website": "https://levocred.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Levocred AI is the Company Brain for credit teams — an AI employee that plugs into the fund's loan tape, credit agreements, servicer reports, and bank feeds, and runs the workflows analysts would otherwise grind on.", "one_liner": "AI for every workflow inside a credit team", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1782022398, "tags": [ "Lending", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/levocred-ai", "api": "https://yc-oss.github.io/api/batches/summer-2026/levocred-ai.json" }, { "id": 33282, "name": "Florin", "slug": "florin", "former_names": [ "Bolten AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48074691217afbc59a4443c6ffa2379a823efda9.png", "website": "https://florin.inc", "all_locations": "San Francisco, CA, USA", "long_description": "Florin brings banking, payments, cards, and treasury into one account built for startups - so founders can hold, move, and grow their capital without stitching together half a dozen tools. Unlike platforms that resell another bank's rails, we're building the infrastructure ourselves, end to end, so money moves in real time on a single ledger we own. We start with an invite-only membership for venture-backed companies and expand from there. Named after the florin, the coin that anchored global trade for three centuries, with infrastructure built for how money moves now.", "one_liner": "The financial operating system for the companies building the future.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1782360987, "tags": [ "Artificial Intelligence", "Banking as a Service", "Fintech", "Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/florin", "api": "https://yc-oss.github.io/api/batches/summer-2026/florin.json" } ]