[ { "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": 51, "name": "Fond", "slug": "fond", "former_names": [ "AnyPerk" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/38affe0570d352e64345559689e7af680bfb0493.png", "website": "http://fond.co", "all_locations": "San Francisco, CA, USA", "long_description": "Fond is a global SaaS platform that seamlessly consolidates employee rewards and recognition processes into one easy-to-use solution. With Fond, employees and managers can recognize each other, redeem rewards, access exclusive corporate discounts, and measure success so HR departments spend less time managing programs and more time driving results.", "one_liner": "Rewards and recognition SaaS for HR leaders", "team_size": 51, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1322045963, "tags": [ "Fintech", "SaaS", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "B2B", "Human Resources" ], "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/fond", "api": "https://yc-oss.github.io/api/batches/winter-2012/fond.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": 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": 102, "name": "Sift", "slug": "sift", "former_names": [ "Sift Science", "Sift", "Sift Science" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4eb5f9ca677956a27183ce3ae798b02616a1e3e2.png", "website": "https://sift.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Sift is the leader in Digital Trust & Safety, empowering digital disruptors to Fortune 500 companies to unlock new revenue without risk. Sift dynamically prevents fraud and abuse through industry-leading technology and expertise, an unrivaled global data network of 70 billion events per month, and a commitment to long-term customer partnerships. Global brands such as DoorDash, Twitter, and Wayfair rely on Sift to gain a competitive advantage in their markets. \r\n", "one_liner": "The Leader in Digital Trust & Safety", "team_size": null, "industry": "B2B", "subindustry": "B2B -> Security", "launched_at": 1326789337, "tags": [ "Fintech", "Machine Learning", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2011", "status": "Active", "industries": [ "B2B", "Security" ], "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/sift", "api": "https://yc-oss.github.io/api/batches/summer-2011/sift.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": 158, "name": "Fivestars", "slug": "fivestars", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e57fe3f2f5b8a158002acd8fef99c01e7294b55c.png", "website": "http://fivestars.com", "all_locations": "San Francisco, CA, USA", "long_description": "Fivestars is a leading payment and customer loyalty platform for small local businesses. Our mission is to help businesses and communities thrive by turning every transaction into a relationship. \r\n\r\nSince launching in 2011, Fivestars has become a rewarding platform with 60 million users discovering and driving sales to 14,000+ small businesses. We help drive over $3 billion in local sales per year. More than 1 million people sign up monthly to support the local businesses that make our neighborhoods great. \r\n\r\nThe company is backed by Lightspeed, DCM, Menlo Ventures, HarbourVest, and others. \r\n\r\nTogether, let’s #LoveLocal. Visit www.fivestars.com for more information.\r\n", "one_liner": "Customer loyalty and payments platform for small businesses.", "team_size": 201, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1326789909, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Acquired", "industries": [ "B2B", "Retail" ], "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/fivestars", "api": "https://yc-oss.github.io/api/batches/winter-2011/fivestars.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": 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": 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": 477, "name": "PayTango", "slug": "paytango", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://paytango.com", "all_locations": "Mountain View, CA, USA", "long_description": "PayTango is simple, modern invoicing.\n\nNo more dealing with spreadsheets, word processors, or entering data into complex and bulky invoicing software. Now you can quickly create beautiful PDF invoices and send them from anywhere.\n\nSign up at www.paytango.com", "one_liner": "Simple invoicing", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1354492656, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2013", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/paytango", "api": "https://yc-oss.github.io/api/batches/winter-2013/paytango.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": 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": 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": 572, "name": "Abacus", "slug": "abacus", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea7226636e49fe4dde4372e69139e8b1c7429ecd.png", "website": "http://abacus.com", "all_locations": "New York, NY, USA", "long_description": "Abacus is the only real-time expense management solution to reimburse your team, reconcile corporate cards, and automate your expense policy. By eliminating the month-end expense report, Abacus turns submitting and approving expenses into a delightful, collaborative experience. With our mobile app, you'll quickly submit and approve expenses on the go and reimbursements now happen within days. Abacus syncs with your accounting software and auto-matches transactions for hassle-free bookkeeping.\r\n\r\nCome work with us! We're hiring: abacus.com/about#hiring", "one_liner": "Making expense reports obsolete", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1384978557, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/abacus", "api": "https://yc-oss.github.io/api/batches/winter-2014/abacus.json" }, { "id": 581, "name": "Chargehound", "slug": "chargehound", "former_names": [ "Beacon" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d854b9187c55d7cd329f7ac3f47400db9cf48138.png", "website": "https://www.chargehound.com", "all_locations": "Oakland, CA, USA", "long_description": "Fight chargeback fraud. Save time and money.\r\n\r\nChargebacks are tedious to rebut yet costly to ignore. Revenue lost from chargebacks can be won back, but the dispute process is time-consuming and inefficient. With one simple integration, Chargehound automates your entire dispute process. You can respond to all your chargebacks — instantly.\r\n\r\nLet us do the work — as soon as you receive a dispute, Chargehound will create and submit a comprehensive, customized response on your behalf. Instead of spending hours compiling disputes, you can focus on more impactful goals, like minimizing your chargebacks and maximizing your win rate. \r\n\r\nGet started for free by making an account at www.Chargehound.com!", "one_liner": "Automate your chargeback dispute process. (Acquired by PayPal)", "team_size": 13, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1384978632, "tags": [ "FinOps", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/chargehound", "api": "https://yc-oss.github.io/api/batches/winter-2014/chargehound.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": 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": 618, "name": "Rocketrip", "slug": "rocketrip", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/68f0dc07afa30d8d9567bca45465b77295c80321.png", "website": "http://rocketrip.com", "all_locations": "New York, NY, USA", "long_description": "Rocketrip cuts a company’s travel costs by incentivizing employees to spend less on their trips. When employees get to keep a portion of the savings they generate, they start to treat the company’s money like it’s their own. \r\n\r\nRocketrip’s software combines real-time travel prices, company policy, and a suite of patented algorithms to set customized budgets and predict what a trip should cost. Business travelers beat their budgets by making cost-conscious choices like booking in advance, selecting a cheaper hotel, or staying with friends. The company saves money, and the employee earns actual rewards. \r\n\r\nRocketrip provides comprehensive reporting and seamlessly integrates into any existing corporate and expense technology stack. If you want to rein in business travel costs while improving corporate culture, visit rocketrip.com", "one_liner": "Rocketrip helps companies save money on travel expenses by aligning…", "team_size": 68, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1384978991, "tags": [ "Fintech", "Travel", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/rocketrip", "api": "https://yc-oss.github.io/api/batches/winter-2014/rocketrip.json" }, { "id": 629, "name": "Unicornly", "slug": "unicornly", "former_names": [ "Vouchpop" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://unicorn.ly", "all_locations": "Palo Alto, CA, USA", "long_description": "Unicorn.ly is an angel investing platform to help angels collaborate to source, evaluate, mentor, and invest in the most promising startups.", "one_liner": "Unicorn.ly makes fundraising more efficient for both angel investors…", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1384979080, "tags": [ "Fintech", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/unicornly", "api": "https://yc-oss.github.io/api/batches/winter-2014/unicornly.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": 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": 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": 712, "name": "Paid", "slug": "paid", "former_names": [ "Theorem" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://paidlabs.com", "all_locations": "San Francisco, CA, USA", "long_description": "Paid is an API for invoicing. Paid helps company manage their accounts receiving with a seamless integration into any tech stack. We help you track expenses, generate & issue invoices, remind customers of outstanding payments and reconcile your accounts—all with about 30 minutes development time.\n\nAPI - Automate Everything\nPaid allows you to automate every step of your accounts receivable. In a few lines of code you can create invoices, issue them, and accept payments. Paid makes the invoicing/billing process fully automatic, freeing up time to focus on core business responsibilities.\n\nCustomize Everything\nYour company, your way of doing things. Paid is fully customizable from branding, billing terms, payment methods and more. Paid can be adapted to any business model.\n\nTrack Everything\nHow much revenue is currently outstanding? How much is overdue? Who has already paid and does so on a regular basis? Everything you and your Finance Department need can be seen on our dashboard and exported for Accounting.\n\nGrow With Paid\nWhether it’s 10 or 10,000,000 invoices, Paid has a solution that will enable you to scale without the normal growing pains.", "one_liner": "Autopilot for Accounts Receivable", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1398908050, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/paid", "api": "https://yc-oss.github.io/api/batches/summer-2014/paid.json" }, { "id": 715, "name": "Payable", "slug": "payable", "former_names": [ "Tiempo" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://payable.com", "all_locations": "San Francisco, CA, USA", "long_description": "Payable is the easiest way to manage your external workforce. By simplifying and automating onboarding, payments, and 1099 compliance, Payable consolidates disparate and manual processes, while getting contractors paid faster! \n\nPayable is backed by Freestyle Capital, Redpoint Ventures, General Catalyst, Moment Ventures, Y Combinator, and others.", "one_liner": "Simple payments and tax compliance for your contract workforce.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1398908077, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/payable", "api": "https://yc-oss.github.io/api/batches/summer-2014/payable.json" }, { "id": 728, "name": "Cognito", "slug": "cognito", "former_names": [ "BlockScore" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1000d5d5bee5c940de394e0841af070cfa6e903.png", "website": "https://cognitohq.com", "all_locations": "Palo Alto, CA, USA; Remote", "long_description": "Cognito is the highest converting ID verification system on the market. By starting with just a user's phone number, Cognito can verify their name, date of birth, address, phone, and Social Security Number. The strong link formed between a user and their phone number builds trust while reducing friction.", "one_liner": "Frictionless, modern identity verification that starts with just a…", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1400235203, "tags": [ "Fintech", "B2B", "Identity" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "B2B", "Engineering, Product and Design" ], "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/cognito", "api": "https://yc-oss.github.io/api/batches/summer-2014/cognito.json" }, { "id": 755, "name": "Bright", "slug": "bright", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f860d42183017f025fa2a44238b098217f8b456.png", "website": "https://www.thinkbright.mx", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Bright is Mexico’s #1 residential solar provider (think Sunrun for the developing world, starting first in Mexico). We provide the financing and software that enable thousands of student ambassadors and retail promoters to offer cheaper electricity to homes at no upfront cost, and we work with our network of hundreds of local installers and distributors to satisfy the resulting demand. Our first market is Mexico, which has more sun, higher electricity rates, and lower labor costs than the US. Bright's investors include First Round Capital, Y Combinator, and other top Silicon Valley firms.", "one_liner": "Sunrun for the developing world", "team_size": 100, "industry": "Industrials", "subindustry": "Industrials -> Energy", "launched_at": 1416219275, "tags": [ "Fintech", "Solar Power", "Climate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Industrials", "Energy" ], "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/bright", "api": "https://yc-oss.github.io/api/batches/winter-2015/bright.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": 772, "name": "Kickpay", "slug": "kickpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cc40f4ad7f1a4c8daf225ecefb4a4b061480c6e.png", "website": "https://kickpay.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Kickpay is transforming how companies finance their inventory.\r\n\r\nBy leveraging a client's data, we enable them to access financing that was previously unavailable, allowing them to grow faster.\r\n\r\nWith Kickpay, you only pay for inventory after it sells. Not months beforehand. ", "one_liner": "A platform to finance inventory for e-commerce companies.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1416220615, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/kickpay", "api": "https://yc-oss.github.io/api/batches/winter-2015/kickpay.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": 833, "name": "Tab", "slug": "tab", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e8f02178e3ddf46bafbfb385e35e6ddbd748c98d.png", "website": "https://www.tab.travel", "all_locations": "London, England, United Kingdom", "long_description": "At Tab, we’re revolutionising the way travellers discover, plan and book a trip.\r\n\r\nThe Guide lets travellers find and book anywhere — with helpful recommendations from friends & local experts, rather than bland listings with endless reviews. Planning your trip should be a joy, not a chore! We help people to travel responsibly, by booking direct instead of using traditional booking sites. Travellers get the best price and they help local businesses avoid unnecessary fees. \r\n\r\nTravel experts, content creators and the friends you always ask for recommendations can use The Guide to showcase their favourite places to stay and things to do. When you book one of their recommendations, you’ll get a discount from the business and they receive bonus credit to say thanks.\r\n\r\nThe Tab platform gives independent tourism businesses the tools to improve their online presence, be discovered, take direct bookings — and also to take payments. Our payment platform is uniquely designed for tourism businesses, handling over 100 currencies natively, and every payment type securely and easily.\r\n\r\nAs travel returns after a difficult period, it’s time for a fresh approach. That’s why we’re building a social commerce platform for tourism — helping to spread the benefits of tourism far and wide, and helping travellers make the most of their precious time abroad. \r\n\r\nWe're headquartered in London, and backed by Y Combinator (the investors behind Airbnb, Dropbox and Stripe).", "one_liner": "Revolutionising the way travellers discover, plan and book a trip", "team_size": 9, "industry": "Consumer", "subindustry": "Consumer -> Travel, Leisure and Tourism", "launched_at": 1416311007, "tags": [ "Fintech", "Marketplace", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Consumer", "Travel, Leisure and Tourism" ], "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/tab", "api": "https://yc-oss.github.io/api/batches/winter-2015/tab.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": 869, "name": "New Story", "slug": "new-story", "former_names": [ "New Story Charity" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/280805d97b8f928525e064cfec1a11ad08073997.png", "website": "http://newstoryhomes.org", "all_locations": "Atlanta, GA, USA", "long_description": "Since its inception, NS has raised over $80 million to build thousands of homes across Latin America and impact ~20,000 individuals. In 2021, NS launched a venture capital fund, Hometeam Ventures, focused on early-stage construction and housing innovations. NS graduated from Y Combinator and is a 4x recipient of Fast Company’s Most Innovative Company.", "one_liner": "We pioneer solutions to end the global housing crisis by empowering…", "team_size": 20, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1429997717, "tags": [ "Fintech", "Nonprofit", "Housing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": true, "batch": "Summer 2015", "status": "Active", "industries": [ "Real Estate and Construction" ], "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/new-story", "api": "https://yc-oss.github.io/api/batches/summer-2015/new-story.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": 877, "name": "Second Measure", "slug": "second-measure", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0e1ab4f20c9665aacb49bbea815135e794fb13b.png", "website": "http://secondmeasure.com", "all_locations": "San Mateo, CA, USA", "long_description": "Second Measure is a Silicon Valley technology company and leading provider of data analytics that deliver valuable insights into company performance and consumer behavior. Investors use these tools for screening/sourcing, thesis validation/diligence, and intra-quarter KPI prediction. Consumer brands use these tools for competitive benchmarking and to make key decisions on product strategy, partnerships, and growth marketing.\r\n\r\nSecond Measure is based in San Mateo, CA with an additional office in New York. We’re proudly backed by Bessemer Venture Partners, Goldman Sachs, Citi Ventures, Y Combinator, and other top investors.\r\n\r\nWe'd love to hear from you if you're passionate about data, working with a bright team, and want to be a part of a growing startup.\r\n", "one_liner": "Unlock the power of transaction data.", "team_size": 62, "industry": "B2B", "subindustry": "B2B -> Analytics", "launched_at": 1429997720, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Acquired", "industries": [ "B2B", "Analytics" ], "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/second-measure", "api": "https://yc-oss.github.io/api/batches/summer-2015/second-measure.json" }, { "id": 900, "name": "Tesorio", "slug": "tesorio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ca7ba720859e309c7fb63d87f38791243c9e8a8f.png", "website": "https://www.tesorio.com", "all_locations": "San Francisco, CA, USA; Burlingame, CA, USA; Remote", "long_description": "Tesorio is the world’s first and only cash flow performance platform. It empowers CFOs and finance teams to boost profits by using artificial intelligence to better manage, predict, and collect cash.", "one_liner": "Tesorio is the cash flow performance platform that helps finance…", "team_size": 53, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1430156118, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/tesorio", "api": "https://yc-oss.github.io/api/batches/summer-2015/tesorio.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": 914, "name": "GiveCampus", "slug": "givecampus", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/55a1d2299284203df1bfdb4eb60c9ad5ca6328d2.png", "website": "http://go.givecampus.com", "all_locations": "Washington, DC, USA; Remote", "long_description": "GiveCampus is the world's #1 fundraising platform for non-profit educational institutions. Trusted by millions of donors and more than 1,500 colleges, universities, and K-12 schools, our mission is to advance the quality, the affordability, and the accessibility of education. Since 2015, we have facilitated more than $7 billion in charitable giving.", "one_liner": "The fundraising platform for schools.", "team_size": 130, "industry": "Education", "subindustry": "Education", "launched_at": 1430156123, "tags": [ "Education", "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Education" ], "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/givecampus", "api": "https://yc-oss.github.io/api/batches/summer-2015/givecampus.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, England, 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": 967, "name": "Human Interest", "slug": "human-interest", "former_names": [ "Captain401", "Human Interest (Captain401)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b1d2338596e801f39e8a6c668164ac020956c28f.png", "website": "http://humaninterest.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Human Interest is on a mission to ensure that people in all lines of work have access to retirement benefits. \r\n\r\nNearly half of all working Americans are not saving enough for their future. Too often it’s because they are employed by a company that doesn’t offer a retirement plan. Human Interest is changing that by making it affordable and accessible for small and medium-sized businesses to offer employees a path to financial independence through retirement savings.\r\n\r\nWe’re a high-growth tech company changing the retirement industry. We’ve raised $500M and are backed by leading investors. Most recently, by funding from BlackRock as well as many other top investors: TPG (The Rise Fund) with SoftBank led our Series D, Glynn Capital, NewView Capital, USVP, Wing, Uncork, and others.", "one_liner": "The 401(k) for small and medium-sized businesses.", "team_size": 765, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1433977518, "tags": [ "Fintech", "SaaS", "Human Resources", "HR Tech", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "B2B", "Human Resources" ], "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/human-interest", "api": "https://yc-oss.github.io/api/batches/summer-2015/human-interest.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": 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": 1013, "name": "LendEDU", "slug": "lendedu", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://lendedu.com", "all_locations": "Hoboken, NJ, USA", "long_description": "LendEDU was Co-Founded by Nate Matherson and Matt Lenhard in 2014. LendEDU is a personal finance comparison website. Our goal is to create transparency in a number of markets including student lending, unsecured lending, auto lending, banking, credit cards, and some misc. insurance products. LendEDU participated in Y Combinator's W16 program in Mountain View California. \r\n\r\nLendEDU has been featured and mentioned on a variety of websites including The Wall Street Journal, New York Times, Washington Post, CNBC, Bloomberg, USA Today, MSN, Fox News, CBS News, NBC News, Yahoo! Finance, Forbes, Bustle, and roughly 500 other media outlets.\r\n\r\nLendEDU is a graduate of the Iowa Startup Accelerator. LendEDU received seed funding from Built By Iowa, the Iowa Startup Accelerator Fund, and others.\r\n\r\nWe'd love to tell you about LendEDU! Email support@lendedu.com with any questions, comments, or criticism (really!).\r\n\r\nPronounced \"Lend E D U\"​, our website is located at LendEDU.com!", "one_liner": "LendEDU is a marketplace for consumer financial products.", "team_size": 10, "industry": "Education", "subindustry": "Education", "launched_at": 1447311916, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Education" ], "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/lendedu", "api": "https://yc-oss.github.io/api/batches/winter-2016/lendedu.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": 1042, "name": "Podium", "slug": "podium", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d90bc164db5dd25a81e6dcfa222470eadf2c783a.png", "website": "https://podium.com", "all_locations": "Lehi, UT, USA", "long_description": "Podium is the all-in-one AI-powered lead management and communication platform used by more than 100,000 businesses to acquire and convert new customers. At the forefront of Podium’s innovation is its AI employee, who ensures businesses respond to leads instantly, anytime of the day or night—significantly increasing lead conversion rates and revenue.\r\nPodium helps businesses obtain more reviews, rank higher on Google, and consolidate lead channels. Businesses can call and text customers from the web and/or mobile app, send payment links, drive repeat business through bulk messages, and more—all managed and delivered from one easy-to-use dashboard. Additionally, with Podium’s AI Employee and automations, businesses can efficiently handle customer inquiries seamlessly across all communication channels, providing timely and accurate responses that drive sales.\r\nPodium’s innovative work has gained recognition on top industry lists, such as Forbes’ Next Billion Dollar Startups, Forbes’ Cloud 100, the Inc. 5000, and Fast Company’s World’s Most Innovative Companies.\r\nPodium was founded in 2014 and is headquartered in Lehi, Utah. It is currently backed by Accel, Summit Partners, GV (formerly Google Ventures), and Y Combinator.", "one_liner": "Get more leads. Make more money. ", "team_size": 1000, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1447568415, "tags": [ "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2016", "status": "Active", "industries": [ "B2B", "Retail" ], "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/podium", "api": "https://yc-oss.github.io/api/batches/winter-2016/podium.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": 1103, "name": "Rappi", "slug": "rappi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/44285cf605c3f1d288f2fb7c2f002f859ab92d0b.png", "website": "http://www.rappi.com", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Rappi is a mega high growth, Series B, consumer tech StartUp looking to be the everything store of Latin America. We are a marketplace that connects users who want to purchase prepared foods, groceries, clothes, and more with contractors who fulfil them. Think of Rappi as a Doordarsh meets Delivery meets Instacart. We are venture backed by top VCs in the world including Sequoia, DST, Andreessen Horrowitz and YCombinator. Management consultant skills are highly valued and one of the founders and three of the company's top leaders are former top tier management consultants. We are across Argentina, Brasil, Mexico, Colombia and are aggressively growing in these markets and all throughout LatAm.", "one_liner": "On-demand delivery and financial services for Latin America.", "team_size": 4800, "industry": "Consumer", "subindustry": "Consumer -> Food and Beverage", "launched_at": 1453256409, "tags": [ "Fintech", "Delivery", "Latin America" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2016", "status": "Active", "industries": [ "Consumer", "Food and Beverage" ], "regions": [ "Colombia", "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/rappi", "api": "https://yc-oss.github.io/api/batches/winter-2016/rappi.json" }, { "id": 1202, "name": "Upgraded", "slug": "upgraded", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/efa2addce1c8cd6eb58b7c0236ded509612a1aa8.png", "website": "http://getupgraded.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Upgraded helps retailers and carriers sell devices on subscription. Subscribers pay monthly and can upgrade anytime. Smartphones, laptops, tablets and more.\r\n\r\nCreating and managing these programs involves lender integrations, residual value management and building great software — resellers don’t know how to do this. \r\n\r\nUpgraded provides the infrastructure to launch immediately, keep customers loyal and cut replacement cycles in half. Device financing is a $541B market globally. US carrier financing grew from $13B to $51B in the last four years. \r\n\r\nUpgraded partners include Apple, Dixons/Elkjøp, MediaMarkt and Vodafone. Upgraded was founded in 2016. Investors include Y Combinator and GRIL Ventures.\r\n\r\nUpgraded is led by CEO/Cofounder John Erik Metcalf and CTO/Cofounder Ziad Sawalha.", "one_liner": "Upgraded helps retailers and carriers sell devices on subscription.", "team_size": 13, "industry": "Consumer", "subindustry": "Consumer -> Consumer Electronics", "launched_at": 1461182719, "tags": [ "Fintech", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Consumer", "Consumer Electronics" ], "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/upgraded", "api": "https://yc-oss.github.io/api/batches/summer-2016/upgraded.json" }, { "id": 1203, "name": "Hellobill", "slug": "hellobill", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://hellobill.io", "all_locations": "", "long_description": "Imagine if all your PDF bills could be automatically downloaded every month for your accountant ? \n\nSay hi to Hellobill.\n \nHellobill is a 1-click solution that automatically downloads all your online PDF bills for your accountant. Uber, Amazon, AWS, Google Apps, Adwords, Facebook Ads, but also utilities bills and many more. \n \nOur users\n\nHellobill is specifically designed for CEOs, CFOs, Managers and Office Managers that are tired of manual & tedious low-value accounting tasks. \n\nOur mission\n\nTo put an end to the monthly nightmare associated with accounting in SMB. Thanks to Hellobill, our users refocus on what’s important: their business.\n\nHellobill’s added value\n\n- Improve your efficiency\nDo more work in less time with an intuitive software\n- Increase productivity\nWith data flowing automatically, you will make your work easier and faster.\n- Focus on adding value\nAutomate basic functions, freeing up your time for the things that matters.\n\nHow does it work?\n\n1. Download the Hellobill desktop app\n2. Log in to all your online providers’ accounts once & for all\n3. Click on “Fetch my bills” and that's it! All your online bills are automatically downloaded and sorted every month.\n\nYour PDF bills are then sorted by month in your Dropbox. You can share them easily with your accountant. Think of services such as Amazon, Uber, AWS, Github, OVH, your bank and your phone & internet providers.\n\nSecurity is at the core of our product: using a desktop app allows us to never store our users’ credentials on our servers. We don't have access to your credentials as they are not stored on our side. They sit on your local keychain.", "one_liner": "Hellobill aggregates all your business bills, automatically, every…", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1461182719, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/hellobill", "api": "https://yc-oss.github.io/api/batches/summer-2016/hellobill.json" }, { "id": 1220, "name": "Sway Finance", "slug": "sway-finance", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.swayfinance.com", "all_locations": "San Francisco, CA, USA", "long_description": "Sway is bringing artificial intelligence to the accounting industry. Its first product is an automated bookkeeping service for SaaS companies.\n\nWe use a combination of proprietary machine learning models and API integrations to bring our delightfully low-touch experience to the accounting industry.\n\nLearn more: hello@swayfinance.com", "one_liner": "Sway is bringing AI to the accounting industry", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1461210618, "tags": [ "Artificial Intelligence", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/sway-finance", "api": "https://yc-oss.github.io/api/batches/summer-2016/sway-finance.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": 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": 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": 1488, "name": "Token Transit", "slug": "token-transit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a20ca2e23eec17b0ed9a952b4a38cc39b71f8e1e.png", "website": "https://tokentransit.com", "all_locations": "San Francisco, CA, USA", "long_description": "Token Transit puts cities in the center of managing new mobility by providing a complete fare payment platform for public transportation.\r\n\r\nToken Transit launched our mobile ticketing app in 2016. We now provide payments for transportation in over 200 cities across the United States and Canada with integration into the major third party trip planning apps such as Transit, Moovit and Google Maps.", "one_liner": "Complete fare payment platform for public transportation", "team_size": 12, "industry": "Government", "subindustry": "Government", "launched_at": 1478224835, "tags": [ "Fintech", "GovTech", "Transportation" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Government" ], "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/token-transit", "api": "https://yc-oss.github.io/api/batches/winter-2017/token-transit.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": 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": 1512, "name": "Bulk MRO Industrial Supply", "slug": "bulk-mro-industrial-supply", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b4a53cf77d3fc365eb87181638c1077043a6722.png", "website": "http://www.bulkmro.com", "all_locations": "New York, NY, USA", "long_description": "Bulk MRO is a Full Stack Fintech and Supply Chain Platform for Global Trade. \r\n\r\nWe provide our customers and suppliers turnkey solutions for procurement, sales and financing of long-tail industrial products (MRO items) as well as high value bulk commodities like agriculture, petroleum, and chemical products. \r\n\r\nWe work with hundreds of Large Corporations and Government customers across North America, Europe, India, Middle East, and Africa as a one-stop shop for millions of products from thousands of manufacturers.\r\n\r\nWe are backed by the world’s best investors like Y Combinator, Bain Capital Ventures, Ace & Co., Rebright Partners, Dream Incubator, Refactor Capital, AAF, and FJ Labs.\r\n", "one_liner": "Full Stack Fintech and Supply Chain Platform for Global Trade", "team_size": 170, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1478578235, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/bulk-mro-industrial-supply", "api": "https://yc-oss.github.io/api/batches/winter-2017/bulk-mro-industrial-supply.json" }, { "id": 1517, "name": "Plane", "slug": "plane", "former_names": [ "Pilot" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6b9a091d0d628df51961ca396fdaadc2e087ad89.png", "website": "https://plane.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Plane is an all-in-one people platform for fast-growing teams. We build easy-to-use payroll and compliance tools that help companies go global from day one.", "one_liner": "#1 easiest-to-use payroll for startups", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1478582434, "tags": [ "Fintech", "SaaS", "B2B", "Compliance", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "B2B", "Human Resources" ], "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/plane", "api": "https://yc-oss.github.io/api/batches/winter-2017/plane.json" }, { "id": 1522, "name": "BuyPower", "slug": "buypower", "former_names": [ "Datapex Drifty Technologies", "Buypower" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/eac7b923ec7d52d878292676beccb378a716a3fe.png", "website": "http://www.buypower.ng", "all_locations": "Federal Capital Territory, Nigeria", "long_description": "BuyPower is the modern bill payment platform for Africans. We make it easy for individuals to pay their energy bills, businesses to pay international vendors, and lenders to make smarter lending decisions using our proprietary Energy Data Service. Our mission is to simplify bill payment and empower African SMBs to prioritize their financial health. ", "one_liner": "Modern bill payment platform for African businesses and consumers.", "team_size": 115, "industry": "Industrials", "subindustry": "Industrials -> Climate", "launched_at": 1657807221, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Industrials", "Climate" ], "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/buypower", "api": "https://yc-oss.github.io/api/batches/winter-2017/buypower.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": 1554, "name": "Lively, Inc.", "slug": "lively-inc", "former_names": [ "LIVELY", "Lively" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/04df2fe7c073695661ca29d77ad166593ebc25d5.png", "website": "https://livelyme.com", "all_locations": "San Francisco, CA, USA", "long_description": "Out-of-pocket healthcare costs are skyrocketing and every day, people all across America are forced to make difficult decisions about their health. \r\n\r\nLively is the benefits solutions provider that gets it right. We designed our solutions to take the guesswork out of managing benefits. And our innovative features are built to simplify benefits administration and evolve with your business. Managing wellness and wealth takes more than a series of transactions. By combining robust features with unparalleled service, we make benefits administration effortless, even when time and energy are limited. Experience benefits administration as it should be with Lively.\r\n\r\nGo to www.livelyme.com to learn about how HSAs other modern employee benefits can help you and your team.", "one_liner": "Modern employee benefits & health savings account (HSA) provider", "team_size": 195, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare IT", "launched_at": 1481767832, "tags": [ "Fintech", "Health Tech", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Healthcare", "Healthcare IT" ], "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/lively-inc", "api": "https://yc-oss.github.io/api/batches/winter-2017/lively-inc.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": 1573, "name": "Humi", "slug": "humi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70d437d1c52cbad85538f3753253662f57d59057.png", "website": "http://www.humi.ca", "all_locations": "Toronto, ON, Canada", "long_description": "Humi is building important infrastructure for Canada's economy. Software that helps SMBs employ Canadians. \r\n\r\nPayroll, HR, and Benefits all together in a single simple to use platform.\r\n\r\nServing thousands of Canadian companies, Humi’s clients include innovators such as Ada, Hubdoc, LiveCA, AudioBooks.com, Inkbox, and others. \r\n\r\nwww.Humi.ca", "one_liner": "Payroll, HR, and Health Benefits for Canada's SMB's", "team_size": 141, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1485295224, "tags": [ "Fintech", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "B2B", "Human Resources" ], "regions": [ "Canada", "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/humi", "api": "https://yc-oss.github.io/api/batches/winter-2017/humi.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": 1594, "name": "Bloom Institute of Technology", "slug": "bloom-institute-of-technology", "former_names": [ "LambdaSchool", "Lambda School" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b6fdc259fedde3b68b83c8fefd7e604dd8a9ac0.png", "website": "https://www.bloomtech.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Bloom Institute of Technology is a full computer science education that's free until you get a high-paying job.\r\n\r\nWe invest in our students, train them for free, and take a portion of income if they get a job above a certain threshold. If they never make above that threshold or don't get a job in the chosen field, they never pay us a dime.", "one_liner": "The online coding school that invests in you.", "team_size": 50, "industry": "Education", "subindustry": "Education", "launched_at": 1493178712, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Education" ], "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/bloom-institute-of-technology", "api": "https://yc-oss.github.io/api/batches/summer-2017/bloom-institute-of-technology.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": 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": 1692, "name": "Routable", "slug": "routable", "former_names": [ "Warren" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/91b6076921a7439ff3b490dee3e269710a65a792.png", "website": "https://routable.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Routable’s secure B2B payments platform helps finance teams automate and simplify the payables process from invoice receipt to settlement. With support for your existing workflows and the flexibility to scale transactions from 100 to 100,000+, the platform was purpose-built to handle mass payouts reducing time spent on tedious tasks.", "one_liner": "Simplifying payouts at scale", "team_size": 160, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1495674035, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/routable", "api": "https://yc-oss.github.io/api/batches/summer-2017/routable.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": 1744, "name": "Fondo", "slug": "fondo", "former_names": [ "BloomJoy", "Fondo", "Fondo (was BloomJoy)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f0b5fe4e91dafcccff1f484b17acd3b14006850.png", "website": "https://fondo.com", "all_locations": "San Francisco, CA, USA", "long_description": "Fondo is the easy way for startups to get their bookkeeping done, taxes filed, and cash back from the IRS (average startup gets $21k). We’ll optimize and file your taxes, and you’ll get cash back — up to $500k per year. Need more help? We’ll also do your bookkeeping, so you don’t have to worry about a thing.", "one_liner": "Bookkeeping, tax, & tax credits on autopilot for 1,000+ startups", "team_size": 80, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1580421990, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/fondo", "api": "https://yc-oss.github.io/api/batches/winter-2018/fondo.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": 1752, "name": "Simetrik", "slug": "simetrik", "former_names": [ "Ropeo", "WeExpenses" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab2e29daec9e4efba8cc8dc5764edc5ad41ae1ee.png", "website": "https://simetrik.com", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "No code enterprise SaaS for financial control automation. Empowering finops and accounting teams with a no code platform that allows them to automate and maintain financial control automation throughout the finops process. ", "one_liner": "No code enterprise SaaS for financial control automation.", "team_size": 350, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1509591804, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/simetrik", "api": "https://yc-oss.github.io/api/batches/winter-2018/simetrik.json" }, { "id": 1769, "name": "Promise", "slug": "promise", "former_names": [ "Bail Co. " ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/25d5c9f4e48e09f1d27797d840d867bea150b1fb.png", "website": "http://promise-pay.com", "all_locations": "San Francisco, CA, USA", "long_description": "Promise modernizes government payments helping agencies recover more revenue while giving residents flexible, humane ways to pay. We replace broken systems with tech that actually works for everyone.", "one_liner": "Better payment systems for governments and the communities they serve.", "team_size": 80, "industry": "Government", "subindustry": "Government", "launched_at": 1509645829, "tags": [ "Artificial Intelligence", "Fintech", "GovTech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Government" ], "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/promise", "api": "https://yc-oss.github.io/api/batches/winter-2018/promise.json" }, { "id": 1789, "name": "Evry Health", "slug": "evry-health", "former_names": [ "Evry Healthcare" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/54546a1f116479477e01202dfd79e3c0804a6e65.png", "website": "http://evryhealth.com/", "all_locations": "Dallas, TX, USA; Remote", "long_description": "We build health insurance for mid-sized companies that costs 20% less and provides more effective medical care. ", "one_liner": "Better health insurance for mid-size companies", "team_size": 87, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare Services", "launched_at": 1510027351, "tags": [ "Fintech", "Healthcare", "Health Insurance", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Healthcare", "Healthcare Services" ], "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/evry-health", "api": "https://yc-oss.github.io/api/batches/winter-2018/evry-health.json" }, { "id": 1798, "name": "Tributi", "slug": "tributi", "former_names": [ "Impuesto Correcto", "tributi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/90376179236233554d909881b9b687bdd2687e53.png", "website": "http://tributi.com", "all_locations": "Antioquia, Colombia", "long_description": "Tributi automates tax filing for individuals in Latam, and offers curated financial services to those users based on their financial data.", "one_liner": "Tax filing automation for individuals in Latam.", "team_size": 20, "industry": "Consumer", "subindustry": "Consumer -> Home and Personal", "launched_at": 1510030965, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Consumer", "Home and Personal" ], "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/tributi", "api": "https://yc-oss.github.io/api/batches/winter-2018/tributi.json" }, { "id": 1801, "name": "Haiku", "slug": "haiku", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a862081efb702444a803dd648a44d4fc1444fa94.png", "website": "https://www.haikuforteams.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "We offer several products —\r\nMarketing & Sales: Haiku Optimizer (https://getoptimizer.com)\r\nBranding: Diez (https://diez.org)\r\nDesign & Code: (https://www.haikuforteams.com/animator)", "one_liner": "Collaboration tools for software companies", "team_size": null, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1510034569, "tags": [ "Developer Tools", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Inactive", "industries": [ "B2B", "Engineering, Product and Design" ], "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/haiku", "api": "https://yc-oss.github.io/api/batches/winter-2018/haiku.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": 1824, "name": "Naborly", "slug": "naborly", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9f516caa1f20b2a80bf28606a9ba74d6a01704b2.png", "website": "https://naborly.com", "all_locations": "Toronto, ON, Canada", "long_description": "Naborly has reinvented how credit reports and scores work for the rental industry to help landlords know who they're renting to, while helping tenants build credit by just paying their rent.", "one_liner": "A credit bureau for the renting generation.", "team_size": 25, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1510193024, "tags": [ "Artificial Intelligence", "Fintech", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/naborly", "api": "https://yc-oss.github.io/api/batches/winter-2018/naborly.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": 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": 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": 1869, "name": "Runa", "slug": "runa", "former_names": [ "Runa", "Runa HR" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9198e32a9228cae0e505965e16a622656e9c5d27.png", "website": "http://runahr.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Runa is a modern, cloud-based payroll and human resources software built for companies in Latin America. Companies can manage payroll, human resources, time tracking, performance management and reporting all in one platform. ", "one_liner": "Automating payroll for Latin America.", "team_size": 100, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1513137767, "tags": [ "Fintech", "SaaS", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "B2B", "Human Resources" ], "regions": [ "Mexico", "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/runa", "api": "https://yc-oss.github.io/api/batches/winter-2018/runa.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": 1876, "name": "Veriff", "slug": "veriff", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5fb14cdcb75e548883b7886a7495ab57d679fcb5.png", "website": "https://veriff.com/", "all_locations": "Tallinn, Harju County, Estonia; New York, NY, USA; London, England, United Kingdom; Barcelona, CT, Spain", "long_description": "Veriff is a global online identity verification company that enables organizations to build trust with their customers through intelligent, accurate, and automated online IDV. Veriff’s intelligent decision engine can analyze thousands of technological and behavioral variables in seconds, matching people to more than 10,000 government-issued IDs from over 190 countries. Veriff serves a global portfolio of organizations across fintech, crypto, and mobility sectors. \r\n\r\nFounded in 2015 by Kaarel Kotkas, today Veriff serves a global portfolio of internet businesses including fintech companies, sharing economy providers and marketplaces in the USA, Europe and other places in the world. Veriff is an alumnus of the startup accelerator Y Combinator and employs 350 people in its locations in Tallinn and Tartu in Estonia; New York, in the USA, London in the UK and Barcelona in Spain.", "one_liner": "AI-powered identity verification solution for fraud prevention.", "team_size": 5, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1514156539, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "regions": [ "Estonia", "United States of America", "United Kingdom", "Spain", "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/veriff", "api": "https://yc-oss.github.io/api/batches/winter-2018/veriff.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": 1893, "name": "Modern Treasury", "slug": "modern-treasury", "former_names": [ "Turnkey Treasury" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a530f58c560c991cc2b9487c24cfa90465e961d6.png", "website": "http://www.moderntreasury.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Modern Treasury offers tools that automate the full cycle of money movement—from payment initiation, through approvals, to reconciliation—and are accessible through web application or API.", "one_liner": "Payment operations tools for money movement.", "team_size": 160, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1524539157, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/modern-treasury", "api": "https://yc-oss.github.io/api/batches/summer-2018/modern-treasury.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": 1917, "name": "Inscribe", "slug": "inscribe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56ca6c4bee93b67aa430b76fd900b6de1e467c6a.png", "website": "https://www.inscribe.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Inscribe is AI-powered document fraud detection software for banks, credit unions, and lenders. It detects forged, fabricated, and AI-generated financial documents (including deepfake bank statements, manipulated pay stubs, and synthetic tax forms) in seconds, giving risk teams the clarity they need to stop fraud without slowing approvals.\r\n\r\nInscribe created the document fraud detection category and has been purpose-built for financial institutions since 2017. Our agentic AI is trained on millions of real-world applications and strengthened by in-house data scientists and fraud experts. According to Inscribe's 2026 State of Document Fraud Report, 1 in 16 documents show signs of fraud — with AI-generated document fraud growing 5x from April to December 2025.\r\n\r\nCustomers include BCU ($5.6M in prevented fraud losses), Logix Federal Credit Union ($3M in losses prevented in 8 months), and Ramp (30-minute reduction in application processing). Inscribe is SOC 2 Type II and ISO 27001 certified, and is backed by Threshold Ventures, Uncork Capital, Y Combinator, Crosslink Capital, and Foundry.", "one_liner": "AI Document Fraud Detection for Banks, Credit Unions & Lenders", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1524711773, "tags": [ "Artificial Intelligence", "Fintech", "Fraud Detection" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "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/inscribe", "api": "https://yc-oss.github.io/api/batches/summer-2018/inscribe.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": 1975, "name": "hypcloud", "slug": "hypcloud", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/11c37762266e19ae06d56d6acbb5644eb70a26fb.png", "website": "http://www.hypcloud.com", "all_locations": "Berlin, Berlin, Germany", "long_description": "", "one_liner": "A tech-enabled commercial mortgage broker. hypcloud allows property…", "team_size": 14, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1525316914, "tags": [ "Fintech", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Acquired", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Germany", "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/hypcloud", "api": "https://yc-oss.github.io/api/batches/summer-2018/hypcloud.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": 2008, "name": "Goodly", "slug": "goodly", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/473e5b973df006090e0a1b0fc932822a4b62f97f.png", "website": "https://www.goodlyapp.com/", "all_locations": "Boston, MA, USA; San Francisco, CA, USA", "long_description": "", "one_liner": "Student loan repayment as an employee benefit. ", "team_size": 5, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1526436266, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Inactive", "industries": [ "B2B", "Human Resources" ], "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/goodly", "api": "https://yc-oss.github.io/api/batches/summer-2018/goodly.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": 11938, "name": "InterPrime", "slug": "interprime", "former_names": [ "Save Simply Advisors" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f26cd9314ac54a2757ed980518b072b15218b58.png", "website": "https://www.interprime.co/", "all_locations": "Menlo Park, CA, USA", "long_description": "Manage your money like a Fortune 500 company, whether you are about to IPO or still working in a garage. Dealing with financial institutions is painful. Yet it’s critical to keep your corporate cash safe & earning a reasonable rate of return. InterPrime helps you do that.\r\n\r\nInterPrime helps you\r\n1. Keep your cash safe\r\n2. Earn a reasonable rate of return on your money\r\n3. Assure your investors that you will responsibly steward their capital\r\n\r\nMore details at www.interprime.co", "one_liner": "Safe & Secure Cash Management for Businesses", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1541037756, "tags": [ "Fintech", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/interprime", "api": "https://yc-oss.github.io/api/batches/winter-2019/interprime.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": 11983, "name": "Middesk", "slug": "middesk", "former_names": [ "Cleri" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/879ec58e53bd019120172a74e682fd8ffb5ad873.png", "website": "http://www.middesk.com", "all_locations": "San Francisco, CA, USA", "long_description": "Middesk's mission is to enable every business to access the products and services they need to grow and thrive. We believe that if we can make it easy for a business to access financial products, hire new employees, and transact with other businesses, that we increase the odds of success for that business to contribute to its community and the broader economy.\r\n\r\nOur Identity provides accurate, complete information that financial services companies need to make efficient onboarding decisions. Our Agent product makes it easy for employers to file with the state and federal agencies needed to establish their business across the country. Our customers include Affirm, Brex, Plaid, Mercury, Divvy, Rippling, Gusto, and others.\r\n\r\nBased in San Francisco, CA, Middesk is backed by Sequoia Capital, Accel Partners, and Y Combinator.", "one_liner": "We make it easier for B2B companies to transact with one another", "team_size": 130, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1541192557, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "B2B", "Operations" ], "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/middesk", "api": "https://yc-oss.github.io/api/batches/winter-2019/middesk.json" }, { "id": 11995, "name": "Nabis", "slug": "nabis", "former_names": [ "Nabis", "Nabis (Siban Holdings Inc.)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6b1f0448fe9e816db7b8e9986418bb4e67d4f019.png", "website": "https://www.nabis.com/", "all_locations": "San Francisco, CA, USA; Los Angeles, CA, USA; New York, NY, USA", "long_description": "Nabis is the #1 licensed cannabis wholesaling platform in California, supporting over 300 exclusive brands and supplying the entire network of state-licensed dispensaries with top-tier products. Nabis offers clients lightning-fast fulfillment, warehousing, payment processing, financing, data analytics, sales and marketing services to enable more brands and retailers to innovate, launch and scale.", "one_liner": "Nabis is the largest licensed cannabis wholesale platform.", "team_size": 300, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1541268298, "tags": [ "Fintech", "Marketplace", "B2B", "Cannabis", "Analytics" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/nabis", "api": "https://yc-oss.github.io/api/batches/winter-2019/nabis.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": 12064, "name": "Deel", "slug": "deel", "former_names": [ "SciDex", "Deel", "D" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b5c8a17f0ab4fa9a72447d94bc3194dc17fce9b.png", "website": "https://www.deel.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Deel is the all-in-one payroll and HR platform for global teams. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 120+ countries—helping businesses scale smarter, faster, and more compliantly. Discover how Deel makes global work simple at deel.com.", "one_liner": "The all-in-one HR and payroll platform for global teams", "team_size": 5000, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1541644458, "tags": [ "Fintech", "SaaS", "B2B", "HR Tech", "Payroll" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/deel", "api": "https://yc-oss.github.io/api/batches/winter-2019/deel.json" }, { "id": 12068, "name": "Cherry", "slug": "cherry", "former_names": [ "Cherrypick" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/be89bfd17dcf97c17f139c86d442a6e6d8a4f25d.png", "website": "http://www.startcherry.com", "all_locations": "San Francisco, CA, USA", "long_description": "Cherry lets employees choose their own workplace perks. With Cherry, employers cover their employees' favorite consumer services (ex: Netflix, Spotify, ClassPass, Lyft), instead of wasting money on perks that no one uses like in-office yoga and ping pong tables. ", "one_liner": "Cherry lets employees choose their own workplace perks.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1541644492, "tags": [ "Fintech", "Marketplace", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "B2B", "Human Resources" ], "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/cherry", "api": "https://yc-oss.github.io/api/batches/winter-2019/cherry.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": 12074, "name": "Caribou", "slug": "caribou", "former_names": [ "Rebank" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6babda5ff95102983cef278d4efd8b7a1d06c10b.png", "website": "https://usecaribou.com", "all_locations": "London, England, United Kingdom", "long_description": "Going global is now the norm. But the moment you set up an entity in another country, you inherit a tax and legal mess that compounds with every hire and every invoice. \r\n\r\nFor example, one jurisdiction has to be profitable, cash has to move between entities compliantly, and every cross-border decision has to be audit-ready, which today means a different law firm in each country, a tax advisor on top of that, and you coordinating the chaos.\r\n\r\nThe real expertise is locked up inside the Big Four. The world's largest companies pay millions a year for access. Everyone else gets selective coverage and hefty legal bills to half-solve the problem.\r\n\r\nCaribou is the first autonomous tax firm. No lengthy workshops, no months of back-and-fort; connect your finance and HR systems and we graph your business — every entity, process, and employee — into a model we call the Atlas. \r\n\r\nFrom there we check transfer pricing, surface legal risks you didn't know you had, maximise your R&D credits, and monitor for accidental taxes as your shape changes.\r\n\r\nAnd we don't just hand you a report. We speak to your accountants, draft the legal agreements, and implement the fix ourselves. We've turned an \r\neight-week engagement into three hours.\r\n\r\nWhy work with three firms when one does the job?\r\n\r\nWe're already working with fast-growing companies like Butternut Box, OpenFX, Encord, Vertice, Omnea, and Hadrian - we've saved them hundreds of thousands on legal fees and surprise tax bills.", "one_liner": "The autonomous tax firm", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1541646249, "tags": [ "Fintech", "SaaS", "B2B", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/caribou", "api": "https://yc-oss.github.io/api/batches/winter-2019/caribou.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, KA, 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": 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": 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": 12255, "name": "Lezzoo", "slug": "lezzoo", "former_names": [ "Fastwares" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9f27317c1ec346e2b7bea0e712c38b1d2aa2d3e.png", "website": "https://lezzoo.com", "all_locations": "Erbil, Kurdistan Region, Iraq", "long_description": "", "one_liner": "Lezzoo is an on-demand delivery Superapp for Iraq. ", "team_size": 190, "industry": "Consumer", "subindustry": "Consumer -> Food and Beverage", "launched_at": 1543977255, "tags": [ "Fintech", "Marketplace", "Delivery" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Consumer", "Food and Beverage" ], "regions": [ "Iraq", "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/lezzoo", "api": "https://yc-oss.github.io/api/batches/winter-2019/lezzoo.json" }, { "id": 12257, "name": "Cityfurnish", "slug": "cityfurnish", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2ca1df60e855a6b8cfddd28d710613fb25e77f6.png", "website": "https://cityfurnish.com/", "all_locations": "New Delhi, DL, India", "long_description": "Cityfurnish is a rental subscription service for furniture and appliances in India. Today, there are 350M people renting unfurnished or semi-furnished apartments in India; Cityfurnish provides an easy, affordable and hassle-free solution. The founding team shares 25+ years of furniture retailing experience and has grown the business to 8,000+ subscribers.", "one_liner": "Cityfurnish - Commitment-free furniture rentals for a better you!", "team_size": 90, "industry": "Consumer", "subindustry": "Consumer -> Home and Personal", "launched_at": 1543977298, "tags": [ "Fintech", "Housing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Consumer", "Home and Personal" ], "regions": [ "India", "South 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/cityfurnish", "api": "https://yc-oss.github.io/api/batches/winter-2019/cityfurnish.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": 12264, "name": "Frubana Inc", "slug": "frubana-inc", "former_names": [ "Frubana Inc", "Frubana" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/de610cdaa1b45fc16f2be037082405d108ec145d.png", "website": "https://www.frubana.com", "all_locations": "São Paulo, SP, Brazil", "long_description": "", "one_liner": "The everything store for restaurants in LATAM.", "team_size": 384, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1543988071, "tags": [ "Fintech", "B2B", "Logistics" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "B2B", "Supply Chain and Logistics" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": true, "question_answers": false, "url": "https://www.ycombinator.com/companies/frubana-inc", "api": "https://yc-oss.github.io/api/batches/winter-2019/frubana-inc.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, England, 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": 12371, "name": "Buy Me a Coffee", "slug": "buy-me-a-coffee", "former_names": [ "Brew.com", "Brew", "Brew.com", "Buy Me A Coffee" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0128100e5d2ef79ef307fb5dabc8f57cdaac83ba.png", "website": "https://www.buymeacoffee.com/", "all_locations": "London, England, United Kingdom; San Francisco, CA, USA; Remote", "long_description": "Buy Me a Coffee is a fast and beautiful way to fund your creative work. Loved by over a million creators. ☕️", "one_liner": "Helping creators monetize", "team_size": 30, "industry": "Consumer", "subindustry": "Consumer -> Content", "launched_at": 1546481051, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Consumer", "Content" ], "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/buy-me-a-coffee", "api": "https://yc-oss.github.io/api/batches/winter-2019/buy-me-a-coffee.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": 12461, "name": "Safely Finance", "slug": "safely-finance", "former_names": [ "Hipodium Inc.", "Hipodium", "Safely Deposit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ce8ee3f8818df3382f91d3c2a38b36a4453c7421.png", "website": "https://www.safelyfinance.co/", "all_locations": "Mountain View, CA, USA", "long_description": "Safely Finance (YCS19) is a pay-over-time solution for moving and renting. We remove price as a barrier to leasing for renters. We increase NOI and decrease bad debt for properties. Safely Finance embeds directly in moving and renting experiences with easy-to-integrate options via widget, API, or property management solution.", "one_liner": "BNPL for moving and renting.", "team_size": 2, "industry": "Consumer", "subindustry": "Consumer -> Home and Personal", "launched_at": 1551904512, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Consumer", "Home and Personal" ], "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/safely-finance", "api": "https://yc-oss.github.io/api/batches/summer-2019/safely-finance.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": 12547, "name": "BuildStream", "slug": "buildstream", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a346cf07a26624abf679c1618b90102d1b5282f4.png", "website": "https://buildstream.co", "all_locations": "London, England, United Kingdom; New York, NY, USA", "long_description": "BuildStream makes recruitment and payroll easier than ever for busy construction projects looking to hire temporary workers.\r\n\r\nClients get high quality, reliable workers in super quick time, while saving 35% on agency fees.\r\n\r\nWorkers finding jobs through us get better pay, faster pay, and are able to choose from high quality, local jobs.", "one_liner": "Workforce solutions for the construction industry", "team_size": 9, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Construction", "launched_at": 1556075929, "tags": [ "Fintech", "Marketplace", "Payments", "Construction", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Real Estate and Construction", "Construction" ], "regions": [ "United Kingdom", "United States of America", "Europe", "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/buildstream", "api": "https://yc-oss.github.io/api/batches/summer-2019/buildstream.json" }, { "id": 12560, "name": "Shift Health", "slug": "shift-health", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f678a8907f2810fe132c9078bcdaaaf591278c80.png", "website": "https://www.shifthealth.io", "all_locations": "Lehi, UT, USA", "long_description": "We help large provider groups and hospitals take their most mundane repetitive tasks and turn them into automated workflows. Freeing up healthcare workers to focus on the important stuff, like patients", "one_liner": "Turn manual healthcare process into automated workflows", "team_size": 6, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare Services", "launched_at": 1556127416, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Healthcare", "Healthcare Services" ], "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/shift-health", "api": "https://yc-oss.github.io/api/batches/summer-2019/shift-health.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": 12608, "name": "TRM Labs", "slug": "trm-labs", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/19aa5130e3a0a349d200e7510f0c2fe8439a646f.png", "website": "https://trmlabs.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "TRM is on a mission to build a safer financial system for billions of people. We deliver a blockchain intelligence data platform to financial institutions, crypto companies, and governments to fight cryptocurrency fraud and financial crime. We consider our business — and our profit — as a way to move towards our mission sustainably and at scale. \r\n\r\nJoin our mission ➔ www.trmlabs.com/careers", "one_liner": "TRM is building a safer financial system for billions of people.", "team_size": 250, "industry": "B2B", "subindustry": "B2B -> Security", "launched_at": 1556572947, "tags": [ "Fintech", "Machine Learning", "Crypto / Web3", "Data Engineering" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "B2B", "Security" ], "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/trm-labs", "api": "https://yc-oss.github.io/api/batches/summer-2019/trm-labs.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": 12625, "name": "UpEquity", "slug": "upequity", "former_names": [ "LnderLab", "UpEquity (formerly LnderLab)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b5870e54989fa2ad2924601c8cdded8fa7e18963.png", "website": "http://www.upequity.com", "all_locations": "Austin, TX, USA", "long_description": "UpEquity is removing contingencies for home buyers so that they have more negotiating leverage when purchasing their next home. ", "one_liner": "UpEquity gives homebuyers more certainty and power. ", "team_size": 90, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1600817277, "tags": [ "Fintech", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/upequity", "api": "https://yc-oss.github.io/api/batches/summer-2019/upequity.json" }, { "id": 12627, "name": "TaxProper", "slug": "taxproper", "former_names": [ "taxProper" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/55a1b4b73d450e670e61529d531faea95e3d6712.png", "website": "https://taxproper.com/", "all_locations": "Chicago, IL, USA", "long_description": "TaxProper is an enterprise SaaS solution that acquires real-time property tax data, encodes local tax rules, and contains all of the operational workflows associated with property tax management. Our core products automate property tax payments, forecast future property tax liability, and help large real estate operators manage their property tax appeals.", "one_liner": "TaxProper helps large Real Estate owners manage their property taxes.", "team_size": 8, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1556682385, "tags": [ "Fintech", "SaaS", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Acquired", "industries": [ "Real Estate and Construction" ], "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/taxproper", "api": "https://yc-oss.github.io/api/batches/summer-2019/taxproper.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": 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": 12661, "name": "Rutter", "slug": "rutter", "former_names": [ "Lang API", "Omnition", "Prowess", "Lang API" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/58546f561c6a3cd285083ee0d5e1c3c9c285fcb2.png", "website": "https://rutter.com", "all_locations": "New York, NY, USA", "long_description": "Rutter is the unified API infrastructure powering the next generation of B2B fintech. We help tech-forward companies build seamlessly integrated financial products by connecting to their customers' systems of record, from accounting platforms to e-commerce systems.\r\n\r\nThe financial operations landscape is fragmented across hundreds of platforms (QuickBooks, NetSuite, Shopify, Stripe, etc.). Without Rutter, companies must spend thousands of engineering hours building and maintaining these critical integrations.\r\n\r\nOur Universal API provides the same level of granularity as direct integrations while using a single, consistent schema. This enables our customers to build end-to-end workflows for financial planning, lending, expense management, AP/AR automation, and more, in days, not months.\r\n\r\nLeading fintechs like Mercury, Airwallex, and Orb trust Rutter to power their integrated financial solutions.\r\n\r\nLearn more: https://www.rutter.com/", "one_liner": "The Unified API for Business Financial Data", "team_size": 24, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1556764173, "tags": [ "Developer Tools", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "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/rutter", "api": "https://yc-oss.github.io/api/batches/summer-2019/rutter.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": 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": 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": 13083, "name": "Alude", "slug": "alude", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/632fd88b607b7a9f3857f1809a459b06c3e55488.png", "website": "https://www.alude.com.br/", "all_locations": "São Paulo, SP, Brazil", "long_description": "", "one_liner": "We offer free software that automates bureaucracy for real-estate…", "team_size": 8, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1583881530, "tags": [ "Fintech", "Real Estate", "Latin America" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Brazil", "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/alude", "api": "https://yc-oss.github.io/api/batches/winter-2020/alude.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": 13170, "name": "Benepass", "slug": "benepass", "former_names": [ "BenePass" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8bbc8c4c109a4e7f7a7911309aa1f0821059a311.png", "website": "http://www.getbenepass.com", "all_locations": "New York, NY, USA", "long_description": "Benepass consolidates corporate benefits onto a single card, powered by our in-house fintech payments stack\r\n\r\nWe help companies take care of their employees through tax-advantaged benefits (e.g. FSA/HSA, dependent care, commuter) and company-funded stipends (e.g. wellness, WFH, professional development) all on a single card + mobile app.\r\n\r\nWith Benepass, HR teams can centralize all ancillary benefits and perks in the same place and make them a no-brainer for employees to use and engage with.", "one_liner": "Fintech for corporate compensation", "team_size": 45, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1583889926, "tags": [ "Fintech", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "B2B", "Human Resources" ], "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/benepass", "api": "https://yc-oss.github.io/api/batches/winter-2020/benepass.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": 13176, "name": "TrueNorth", "slug": "truenorth", "former_names": [ "Honest Freight" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/88bc0fa14209c82724c39b4b394f18e06ea23e95.png", "website": "http://www.truenorthfleet.com", "all_locations": "San Francisco, CA, USA; Fort Worth, TX, USA", "long_description": "Traditional trucking companies still run on paper, emails, phone calls, and snail mail. They’re inefficient and bloated. The pressure of low margins suffocates the truckers who actually do the work.\r\n\r\nOur software cuts out the inefficiencies, and we pass the savings through to our truckers. Instead of paper-pushers and endless phone calls, they get an end-to-end solution: customer management, load coordination, automated invoicing, and instant payments. A single place to manage their business.\r\n\r\nA blog post that goes deeper into why we started this company: https://medium.com/@jinstedge/truenorth-b42437f1dc03\r\n\r\nWe're a team of over 60, and proud to say the *majority* of us are female or non-binary. We come from a wide range of backgrounds. We don't just value diversity, we cherish it. And we mean it.", "one_liner": "TrueNorth gives truckers a single place to manage their business.", "team_size": 60, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1581267704, "tags": [ "Fintech", "SaaS", "Logistics" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/truenorth", "api": "https://yc-oss.github.io/api/batches/winter-2020/truenorth.json" }, { "id": 13195, "name": "Zaam", "slug": "zaam", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5c63bbbdb45e79b0966d0236b5c65c46df4b9098.png", "website": "http://zaam.io", "all_locations": "Palo Alto, CA, USA; Remote", "long_description": "Zaam is an end-to-end SaaS solution for business onboarding. It provides:\r\n(i) smart data entry form with real time validation \r\n(ii) automated individual and business checks \r\n(iii) case management dashboard with customizable rules ", "one_liner": "Zaam is an end-to-end SaaS solution for business onboarding.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1584247099, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "B2B", "Operations" ], "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/zaam", "api": "https://yc-oss.github.io/api/batches/winter-2020/zaam.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": 13215, "name": "Medicare Vox (fka Fair Square)", "slug": "medicare-vox-fka-fair-square", "former_names": [ "Help Button", "Virgil Insurance (was: Help Button)", "Virgil Insurance", "Fair Square Medicare", "Fair Square Medicare.", "Fair Square Medicare", "Fair Square", "Revenue Vox (fka Fair Square)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6e0eca2d7e7f67093e6606b0eacc66af5d2937bf.png", "website": "https://www.medicarevox.com", "all_locations": "San Francisco, CA, USA", "long_description": "Building and AI Health insurance agent.", "one_liner": "Building an AI Health Insurance Agent.", "team_size": 20, "industry": "Healthcare", "subindustry": "Healthcare -> Consumer Health and Wellness", "launched_at": 1584398259, "tags": [ "Fintech", "Consumer Health Services" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Healthcare", "Consumer Health and Wellness" ], "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/medicare-vox-fka-fair-square", "api": "https://yc-oss.github.io/api/batches/winter-2020/medicare-vox-fka-fair-square.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, England, 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": 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, England, 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": 13484, "name": "Hent", "slug": "hent", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92008358c093464b00e54b3939faf8232ef1dabe.png", "website": "http://www.hent.com.br", "all_locations": "Recife, PE, Brazil", "long_description": "Hent is helping land lot developers to better manage their sales receivables and streamline their processes by securing access to capital and connecting all the stakeholders involved.", "one_liner": "Hent is helping land lot developers to better manage their sales…", "team_size": 22, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1597337786, "tags": [ "Fintech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/hent", "api": "https://yc-oss.github.io/api/batches/winter-2020/hent.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": 13486, "name": "Valienta", "slug": "valienta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed69a13f5824e52e08a1fbd94f003fd4adf6c6bc.png", "website": "https://valienta.com", "all_locations": "Medellín, Antioquia, Colombia; Remote", "long_description": "Valienta helps Dropshippers in Colombia (and Latinamerica, eventually) to run the business, reduce costs and increase sales.\r\n\r\nThrough Valienta, our users have access to a marketplace of 160+ suppliers and thousands of products, to the possibility of shipping the orders to most of the country, and to multiple payment methods. \r\n\r\nIn addition to that, our users are able to create their own e-commerce site for free, increase their advertising budget with our credit line, and improve their knowledge on sales and digital marketing with our educational content. \r\n\r\nWe are working to democratize e-commerce by giving any person access to the capabilities that only established companies enjoy. We are working to become The Dropshipping Operating System. ", "one_liner": "Helping Dropshippers in Colombia run the business and increase sales", "team_size": 20, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1583946976, "tags": [ "Fintech", "Logistics", "Sales", "E-commerce", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "B2B", "Retail" ], "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/valienta", "api": "https://yc-oss.github.io/api/batches/winter-2020/valienta.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": 13503, "name": "Checkars", "slug": "checkars", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c041fe3051c4e0cab46124c7a76d0dd5b2b3cc95.png", "website": "https://www.checkars.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Checkars removes the hassle and lack of trust from used-car transactions. With over 1000 transactions in first 18 months and NPS >85, we are confident we are offering customer the best possible experience to buy or finance a car. ", "one_liner": "E-commerce site where you can buy certified used-cars in Latin America", "team_size": 45, "industry": "Consumer", "subindustry": "Consumer -> Transportation Services", "launched_at": 1594319797, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Consumer", "Transportation Services" ], "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/checkars", "api": "https://yc-oss.github.io/api/batches/winter-2020/checkars.json" }, { "id": 13504, "name": "Handl", "slug": "handl", "former_names": [ "Dbrain" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3900f12b2f8432e71839e72a5168f6cb6ad06454.png", "website": "https://handl.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Handl converts documents (invoices, income stabs, custom forms, etc.) into structured data through simple API. 100% automation implies no need for any supervision/manual work on your side and allows you to reduce costs, improve response time, and operate accurate data. Powered by the merge of ML/AI + humans-in-the-loop to work in real-time even for the most complicated cases", "one_liner": "Handl converts documents (invoices, income stabs, custom forms, etc.)…", "team_size": 29, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1584485742, "tags": [ "Documents", "Deep Learning", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "B2B", "Operations" ], "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/handl", "api": "https://yc-oss.github.io/api/batches/winter-2020/handl.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": 13557, "name": "Workpay", "slug": "workpay", "former_names": [ "WorkPay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09dcfca12373bb214263ff9365e1886ef988ba50.png", "website": "https://myworkpay.com", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Workpay helps companies hire, pay, manage, and stay compliant across Africa.\r\nWe provide payroll software, payroll outsourcing, Employer of Record services, statutory compliance, benefits, HR tools, and salary disbursements for local and cross-border teams.\r\nCompanies use Workpay as their workforce infrastructure partner across 50+ African countries.", "one_liner": "Payroll, compliance, benefits, and Employer of Record services for…", "team_size": 130, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1584146216, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "B2B", "Human Resources" ], "regions": [ "Kenya", "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/workpay", "api": "https://yc-oss.github.io/api/batches/winter-2020/workpay.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": 21793, "name": "Finmark", "slug": "finmark", "former_names": [ "bulion" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/71ea8566db212df8f6c23e62b0d21ec93eedd66d.png", "website": "https://finmark.com", "all_locations": "Raleigh, NC, USA; Remote", "long_description": "Finmark is financial planning software for startups. We make it simple for companies to manage their runway, hiring, and cash. ", "one_liner": "Financial planning software for startups", "team_size": 14, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1598383841, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/finmark", "api": "https://yc-oss.github.io/api/batches/summer-2020/finmark.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, KA, 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": 21827, "name": "Strive School", "slug": "strive-school", "former_names": [ "Get DayOne", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/28b22a54c96662989843912cfceff789a6bae093.png", "website": "https://strive.school", "all_locations": "Berlin, Berlin, Germany; Remote", "long_description": "In exchange for a part of their future salary, select students can become professional-grade software engineers through a six-month online program. While the majority of universities in Europe are free to attend, STEM courses are often outdated and theoretical; Strive School works with those pursuing STEM fields to help them become job-ready software engineers.", "one_liner": "Training the next generation of software engineers in Europe 🇪🇺", "team_size": 5, "industry": "Education", "subindustry": "Education", "launched_at": 1594302276, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "Education" ], "regions": [ "Germany", "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/strive-school", "api": "https://yc-oss.github.io/api/batches/summer-2020/strive-school.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": 21831, "name": "Pave", "slug": "pave-2", "former_names": [ "Trove" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fdcc45ccdba96fa8fd67be9d0190f3048b60c333.png", "website": "https://pave.com", "all_locations": "San Francisco, CA, USA", "long_description": "Pave allows you to make smarter comp decisions and eliminate spreadsheets, powered by real-time integrations with your HRIS, ATS, and Cap Table. ", "one_liner": "Plan, communicate, and benchmark your compensation in real-time.", "team_size": 170, "industry": "B2B", "subindustry": "B2B -> Recruiting and Talent", "launched_at": 1606991265, "tags": [ "Fintech", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Recruiting and Talent" ], "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/pave-2", "api": "https://yc-oss.github.io/api/batches/summer-2020/pave-2.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": 21898, "name": "Cradle", "slug": "cradle", "former_names": [ "PostDated" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6b0060a03ac1e3bb4ad8eaf0536ff8caacd95d4.png", "website": "https://www.cradlefinance.com", "all_locations": "Bengaluru, KA, India", "long_description": "Cradle is a B2B payments network in India that lets small businesses collect online payments from other businesses for free.", "one_liner": "B2B payments network in India", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1599762606, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "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/cradle", "api": "https://yc-oss.github.io/api/batches/summer-2020/cradle.json" }, { "id": 21903, "name": "doola", "slug": "doola", "former_names": [ "Standups", "StartPack", "doola (formerly StartPack)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ef8a47a4ac0a3c3a1af8da2743a4bee6aa5bb8fb.png", "website": "https://www.doola.com/", "all_locations": "New York, NY, USA", "long_description": "doola is a “Business-in-a-Box” for creators. We take care of everything creators need to form an LLC, set up their bank account, accept payments, and manage ongoing compliance and tax filings. We realized how difficult it was to set up the full stack of software and accounts you need to get a business off the ground. This is the same problem faced by online businesses, who begin their business as a side hustle, and just want to focus on growing their business, not annoying administrative work. That’s why we built doola: to take care of it all. Today, people on every continent have launched companies with doola. (HQ: New York)", "one_liner": "Business-in-a-Box™ for LLCs", "team_size": 43, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1614820150, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Productivity" ], "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/doola", "api": "https://yc-oss.github.io/api/batches/summer-2020/doola.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": 21915, "name": "Atomic", "slug": "atomic", "former_names": [ "Flux" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bc20422fbdc3ca0c042b7c1e1ec6ecdab198bf2.png", "website": "https://www.atomicvest.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "With our API any company that holds consumer deposits (e.g. savings apps) can easily embed professionally managed investment accounts into their services.", "one_liner": "API that lets companies embed investment accounts into their services", "team_size": 25, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1597788333, "tags": [ "Artificial Intelligence", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "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/atomic", "api": "https://yc-oss.github.io/api/batches/summer-2020/atomic.json" }, { "id": 21916, "name": "MarketForce", "slug": "marketforce", "former_names": [ "MarketForce360", "MarketForce 360" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/47474d142b3a5ac7409ff5112dba8ad5d041cf6d.png", "website": "https://marketforce.io", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "MarketForce empowers neighbourhood merchants in Africa to source, order and pay for inventory digitally and conveniently, access a banking wallet with credit facilities, collect digital payments and earn extra income by offering agency baking services and reselling digital financial services such as airtime, electricity tokens and bill payments in their communities. \r\n\r\nIncorporated in 2019, MarketForce is a fast-growing company running an asset-light business model and is currently operational in 5 markets in Sub-Saharan Africa, with over 200,000 merchants and 180 consumer brands trading on the platform.", "one_liner": "The SuperApp for neighbourhood merchants in Africa. ", "team_size": 400, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1596040819, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "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/marketforce", "api": "https://yc-oss.github.io/api/batches/summer-2020/marketforce.json" }, { "id": 21996, "name": "Plerk", "slug": "plerk", "former_names": [ "isibit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/35a9be04900715d4438b247464cf89a9e6b3e6a3.png", "website": "https://www.plerk.io", "all_locations": "Guadalajara, Jal., Mexico; Remote", "long_description": "We help companies to give local and remote employees flexible benefits and perks, no matter geography.\r\nA virtual card with benefits to pay for flexible perks for local and remote teams worldwide. Companies define budget, choose the programs of perks as general or granular as they decide, deploy money and give employees the power to decide the merchant. Company has total control, just one bill. Employees choose what they really need and want.", "one_liner": "Acquired by Minu.mx - Fintech solutions for employees, starting with…", "team_size": 28, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1596562699, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "B2B", "Operations" ], "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/plerk", "api": "https://yc-oss.github.io/api/batches/summer-2020/plerk.json" }, { "id": 22001, "name": "Tydo", "slug": "polyops", "former_names": [ "PolyOps" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48848c19693fc99f897c757145ed09f04881b72f.png", "website": "https://www.tydo.com", "all_locations": "Los Angeles, CA, USA", "long_description": "Tydo’s Customer Intelligence Platform is a complete data warehouse built for AI powered customer insights. No engineer required.", "one_liner": "Turn your data into intelligence", "team_size": 14, "industry": "B2B", "subindustry": "B2B -> Analytics", "launched_at": 1598737634, "tags": [ "Fintech", "SaaS", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "B2B", "Analytics" ], "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/polyops", "api": "https://yc-oss.github.io/api/batches/summer-2020/polyops.json" }, { "id": 22003, "name": "Decentro", "slug": "decentro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26546d4be80e83088bea9fc9e77f6aa3cd234174.png", "website": "https://decentro.tech", "all_locations": "Bengaluru, KA, India; Delhi, DL, India; Singapore, Singapore", "long_description": "Almost every company that has to integrate with the legacy financial institutions, faces several challenges when it comes to the product cycle. Not only are the APIs and documentations less available, but they are also old school and ridden with errors and loopholes. \r\n\r\nOn top of that, the lack of a single point of contact from the underlying institutions, makes the already long integration cycle of 5 months feel like a temple run between different departments. And since those services break and update over time, you can imagine the nightmare in terms of coordination between the tech teams. \r\n\r\nWe are a full-stack platform where you can come, select your desired modules, play in the sandbox, and launch your product with the APIs and SDKs within a couple of weeks! Not only that, but we also take care of all upcoming fixes, iterations, and updates without breaking any flow.\r\n\r\nIt's that easy, as it should be. Welcome to the future.", "one_liner": "API Platform for Banking Integrations (Plaid for India and APAC)", "team_size": 60, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1595174841, "tags": [ "Banking as a Service", "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "regions": [ "India", "Singapore", "South Asia", "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/decentro", "api": "https://yc-oss.github.io/api/batches/summer-2020/decentro.json" }, { "id": 22004, "name": "Notabene", "slug": "notabene", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b0f2c4947976db4329789cc22f30a10206acb57.png", "website": "https://notabene.id", "all_locations": "New York, NY, USA", "long_description": "Notabene helps businesses perform crypto transactions in a regulatory compliant way. Think of us as the SWIFT network for Crypto.\r\n\r\nNew global regulations for crypto transactions are here and will be enforced over the next year. Businesses now have to follow strict rules similar to banks, or shut down. \r\n\r\nWe provide a SaaS platform that allows businesses to perform due-diligence on their counter-parties and manage the risk of incoming and outgoing transactions.", "one_liner": "The Notabene platform is the trust layer for global money movement.", "team_size": 47, "industry": "B2B", "subindustry": "B2B -> Security", "launched_at": 1597768786, "tags": [ "Fintech", "Crypto / Web3", "Regtech" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Security" ], "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/notabene", "api": "https://yc-oss.github.io/api/batches/summer-2020/notabene.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": 22050, "name": "Skio", "slug": "skio", "former_names": [ "Jika", "Skio", "skio", "Skio", "skio" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c87a6ed342316be397663cebac7a3099c11d1320.png", "website": "https://skio.com", "all_locations": "New York, NY, USA; Remote", "long_description": "Skio ($105M cash exit, $32M ARR, $8M raised) is subscription management software for brands on Shopify.", "one_liner": "Subscriptions for Shopify", "team_size": 70, "industry": "B2B", "subindustry": "B2B -> Marketing", "launched_at": 1594268849, "tags": [ "Fintech", "B2B", "E-commerce", "Subscriptions", "Food Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "B2B", "Marketing" ], "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/skio", "api": "https://yc-oss.github.io/api/batches/summer-2020/skio.json" }, { "id": 22062, "name": "Minimum", "slug": "minimum", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b78dcbf965687690921cec75149b2af9b5bd15be.png", "website": "https://minimum.com", "all_locations": "London, England, United Kingdom", "long_description": "Minimum lets you calculate, report on, and reduce the carbon emissions of your business, whether you're a corporate or an investment fund.", "one_liner": "Helping corporates achieve Net Zero through tech solutions. ", "team_size": null, "industry": "Industrials", "subindustry": "Industrials -> Climate", "launched_at": 1599762607, "tags": [ "Fintech", "Climate" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Industrials", "Climate" ], "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/minimum", "api": "https://yc-oss.github.io/api/batches/summer-2020/minimum.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": 22108, "name": "Ready", "slug": "ready", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1ac7d4d42d82d2423bb634e41e990a6d65348212.png", "website": "https://ready.net", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Ready builds software tools that help utility stakeholders collaborate, so that more families get better utility services at lower cost. Ready Digital Infrastructure empowers utilities to deliver next-generation digital services. \r\n\r\n", "one_liner": "Collaborative platform for optimizing regulated utilities such as…", "team_size": 60, "industry": "B2B", "subindustry": "B2B", "launched_at": 1597926325, "tags": [ "Fintech", "SaaS", "B2B", "Telecommunications" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B" ], "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/ready", "api": "https://yc-oss.github.io/api/batches/summer-2020/ready.json" }, { "id": 22124, "name": "Taktile", "slug": "taktile", "former_names": [ "Taktile", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fda6209e5ce1deac3dd962c779d7c375cd750a5a.png", "website": "http://www.taktile.com", "all_locations": "Berlin, Berlin, Germany", "long_description": "Taktile empowers financial institutions to quickly unlock AI-driven efficiencies across the customer lifecycle, reducing manual work while optimizing decisions and enabling seamless end-user experiences.\r\n\r\nBuilt for highly regulated environments, our agentic decision platform combines the speed of AI automation with the oversight of human judgement—so you can safely approve customers, catch more fraud, and stay compliant.\r\n\r\nWe power AI transformation from offices in NYC, London, Berlin, and Iasi, and have raised $80M in capital from top investors including Index Ventures, Tiger Global, Balderton Capital and Y Combinator.\r\n\r\nJoin over 200 leading financial institutions who rely on Taktile to enable faster, more intelligent decisions from onboarding to credit, AML, compliance, and fraud.", "one_liner": "Transform your decision-making with reliable AI agents in weeks, not…", "team_size": 150, "industry": "B2B", "subindustry": "B2B", "launched_at": 1638102391, "tags": [ "Artificial Intelligence", "Fintech", "Machine Learning", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B" ], "regions": [ "Germany", "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/taktile", "api": "https://yc-oss.github.io/api/batches/summer-2020/taktile.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": 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": 22267, "name": "Parrot Software 🦜", "slug": "parrot-software", "former_names": [ "Parrot Software" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29f5231e61be9a4d070ec964b3a00684b46232d6.png", "website": "https://parrotsoftware.io/", "all_locations": "Monterrey, N.L., Mexico", "long_description": "Parrot is the operating system for restaurants in LatAm. We convert operational chaos into control by bringing together our Payment terminal, Delivery Apps, and Invoicing into a unified POS system. All of it backed by a fully featured Restaurant Management System on the cloud.", "one_liner": "The operating system for restaurants in LatAm.", "team_size": 40, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1599762607, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/parrot-software", "api": "https://yc-oss.github.io/api/batches/summer-2020/parrot-software.json" }, { "id": 22272, "name": "Finch", "slug": "finch", "former_names": [ "Profound" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/204c5a234c0f203a89d58c1407d93894d494118d.png", "website": "https://tryfinch.com", "all_locations": "San Francisco, CA, USA", "long_description": "Finch is the API to access employment data systems. We allow admins to connect their company in a compliant and secure manner to trusted applications. Finch integrates across data providers enabling developers to access a previously closed system and are at the source of truth for employee data and money flow. Our API powers use cases across insurance, benefits, tax, finance, and HR applications.", "one_liner": "Finch is the Employment Data Platform", "team_size": 73, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1598153864, "tags": [ "Fintech", "HR Tech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "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/finch", "api": "https://yc-oss.github.io/api/batches/summer-2020/finch.json" }, { "id": 22277, "name": "Heron Data", "slug": "heron-data", "former_names": [ "Open Credit", "OpenCredit", "Open Credit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a7b4c6ec0a994c7922188d2be45646b8d241734b.png", "website": "https://www.herondata.io", "all_locations": "New York, NY, USA", "long_description": "At Heron, we use the latest advances in AI and LLMs to automate document-heavy workflows. Our software handles emails, analyzes attachments, and takes actions like updating CRMs or requesting more info. We serve businesses from small companies to FDIC-insured banks in sectors like Small Business Finance and Commercial Insurance.", "one_liner": "We automate document-heavy workflows in financial services and beyond", "team_size": 60, "industry": "B2B", "subindustry": "B2B", "launched_at": 1597867558, "tags": [ "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B" ], "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/heron-data", "api": "https://yc-oss.github.io/api/batches/summer-2020/heron-data.json" }, { "id": 22278, "name": "Hubla", "slug": "chatpay", "former_names": [ "ChatPay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2774c90b6477ab8f737e3b9ae637d15847ea8de.png", "website": "https://hub.la", "all_locations": "MG, Brazil", "long_description": "Hubla is the Shopify for creators, enabling anyone to build, manage, and grow their online business. We provide powerful tools to create courses, communities, sell products, manage memberships, and deliver content—all in one platform. For example, a fitness coach can charge her audience for a unique digital weight-loss program, turning passion into profit.\r\n\r\nCreators need simple, flexible tools to succeed. Hubla’s fully customizable platform lets them own their strategy, stand out from competitors, and create unique experiences. This approach works—our top creator earns over $8M annually.\r\n\r\nHubla is leading the creator economy revolution, empowering individuals to transform their expertise into sustainable, scalable businesses.", "one_liner": "All-in-one platform for creators to sell courses and subscriptions", "team_size": 86, "industry": "B2B", "subindustry": "B2B -> Sales", "launched_at": 1594760413, "tags": [ "Fintech", "SaaS", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Sales" ], "regions": [ "Brazil", "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/chatpay", "api": "https://yc-oss.github.io/api/batches/summer-2020/chatpay.json" }, { "id": 22294, "name": "Clau", "slug": "clau", "former_names": [ "Flat" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/27f510d61e3fb71a7cb032342d796e9d330fa8a5.png", "website": "https://clau.com", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "We are the real estate super app for Mexico combining a marketplace with over 20,000 properties, a crm for brokers, financial services including a mortgage brokerage, renovations and the leading data layer for residential real estate in the country.", "one_liner": "The real estate superapp for Mexico", "team_size": 90, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1595778564, "tags": [ "Fintech", "Machine Learning", "Marketplace", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/clau", "api": "https://yc-oss.github.io/api/batches/summer-2020/clau.json" }, { "id": 22322, "name": "Payflow", "slug": "payflow-2", "former_names": [ "Toolbox" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a26715d50dea86a98186746ad74932cda51155ed.png", "website": "https://www.payflow.ai", "all_locations": "New York, NY, USA", "long_description": "Building Luca: an AI FP&A analyst providing executives with AI-powered financial insights, analytics, detailed reporting, planning and forecasting. Luca enables companies to save tens of thousands of dollars and 400+ hours per year, while getting critical business value from week one.\r\nLevel-3 autonomy for FP&A. Learn more: https://payflow.ai", "one_liner": "AI FP&A Agent for insights, reports, planning and forecasting.", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1595401779, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/payflow-2", "api": "https://yc-oss.github.io/api/batches/summer-2020/payflow-2.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": 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": 22715, "name": "Tupelo", "slug": "tupelo", "former_names": [ "Omphalos", "Ennerate" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/66d8e3d4c649d64bf2f7c8ae85eca61f947f05a3.png", "website": "https://tupelosmb.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Tupelo is building the future of how traditional small businesses are bought and sold. We are the first small business M&A marketplace with modern integrations to make selling and buying a business quick and easy. \r\n", "one_liner": "Marketplace for small business M&A", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1614780135, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/tupelo", "api": "https://yc-oss.github.io/api/batches/winter-2021/tupelo.json" }, { "id": 22717, "name": "Avocado", "slug": "avocado", "former_names": [ "Instamenu", "Avocado", "Avocado (prev Instamenu)", "Avocado", "Avocado (prev Instamenu)", "Avocado", "Avocado (prev Instamenu)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee598c4bd559ee64f6fb65373d9e54f75eda4260.png", "website": "https://avocadopos.com", "all_locations": "San Francisco, CA, USA", "long_description": "Avocado is a modern point-of-sale system for restaurants, powered by a built-in AI agent. More than just a POS, Avocado combines order management, KDS, kiosks, and online ordering in one platform - and lets restaurants control everything with simple voice or text commands. Want to change your menu, check your sales, or optimize pricing? Just ask. Avocado’s AI understands your business and takes action instantly, freeing up owners and staff to focus on what matters most: great food and service.", "one_liner": "AI-Native Restaurant POS", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1614625915, "tags": [ "Fintech", "Generative AI", "Restaurant Tech", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Retail" ], "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/avocado", "api": "https://yc-oss.github.io/api/batches/winter-2021/avocado.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": 22745, "name": "CashBook", "slug": "cashbook", "former_names": [ "Ekeekaran Ventures Private Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d799a3b8749ea35b175f67bd64402da202e8445.png", "website": "https://cashbook.in", "all_locations": "Bengaluru, KA, India", "long_description": "Issue UPI wallets to employees, track and control the spend.", "one_liner": "Ramp for Indian Businesses - UPI Wallets for Employee Expenses", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1615747474, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/cashbook", "api": "https://yc-oss.github.io/api/batches/winter-2021/cashbook.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": 22773, "name": "noHQ", "slug": "nohq", "former_names": [ "Nebo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2939fc1f345f3d723e20ae656bdeadcc024ba9e0.png", "website": "https://nohq.com", "all_locations": "New York, NY, USA; Remote", "long_description": "noHQ allows you to set up legal entities around the world, and compliantly hire and pay your international team.", "one_liner": "International contractor and multi country payroll ", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1624650537, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "B2B", "Human Resources" ], "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/nohq", "api": "https://yc-oss.github.io/api/batches/winter-2021/nohq.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": 22830, "name": "Pry Financials", "slug": "pry-financials", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aa9e2b87b2b4d5d15fa0f6f3864444c603335cf6.png", "website": "https://www.pry.co", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Pry makes it simple for companies to manage their budget, hiring plan, financial models, and cash runway.\r\n\r\nToday, most people plan for their business once a quarter. It's done in Excel - buggy, boring, confusing, and really time-expensive. A lot of people have tried to solve this and only found moderate success or failed.\r\n\r\nWe're the team to do it right.", "one_liner": "Finance for Founders", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1614447840, "tags": [ "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/pry-financials", "api": "https://yc-oss.github.io/api/batches/winter-2021/pry-financials.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": 22841, "name": "ControlHub", "slug": "controlhub", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/568af1dc427d20e5700ab4a31d90395b1ed9bdde.png", "website": "https://controlhub.com/", "all_locations": "Remote", "long_description": "ControlHub automates the Procurement and Accounts Payable process of mid-size companies with intuitive purchasing software and AP solutions.\r\n\r\nKey features: Purchase Requests generation, Purchasing Approvals, Purchase Orders (PO), Bill processing and payments, sync with ERPs such as Quickbooks and NetSuite.", "one_liner": "Purchasing Software | Procure-to-Pay SaaS ", "team_size": 22, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1674180805, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/controlhub", "api": "https://yc-oss.github.io/api/batches/winter-2021/controlhub.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": 22854, "name": "Topkey", "slug": "topkey", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23de4d79ee063eb46469a86ed476601d26b20f0e.png", "website": "https://www.topkey.io/", "all_locations": "San Francisco, CA, USA", "long_description": "Topkey is the all-in-one financial operating platform that simplifies expense management for hospitality managers.", "one_liner": "", "team_size": 17, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1616446473, "tags": [ "Fintech", "Real Estate", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/topkey", "api": "https://yc-oss.github.io/api/batches/winter-2021/topkey.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": 22867, "name": "Procoto", "slug": "procoto", "former_names": [ "Proficy", "procoto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cca6737048b576c714290c829ede60b01976d857.png", "website": "https://procoto.com", "all_locations": "Saint Petersburg, FL, USA; Remote", "long_description": "Procoto makes running RFPs, tracking contracts, and managing vendors simple and affordable. We get procurement teams out of dense systems and spreadsheets without having to drop a hefty check on SAP or Coupa.", "one_liner": "Self-service RFP management", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1615955146, "tags": [ "Fintech", "SaaS", "Procurement" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/procoto", "api": "https://yc-oss.github.io/api/batches/winter-2021/procoto.json" }, { "id": 22869, "name": "Logica", "slug": "logica", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/16762085083dab3c42ea7e024432adbfac599f0d.png", "website": "https://logica.cloud", "all_locations": "Omaha, NE, USA; Remote", "long_description": "Logica helps finance teams with forecasting & budgeting. The software provides a drag and drop interface for building financial models that can be updated and shared in real time and connects with accounting and analysis tools for comparing plan vs actual.", "one_liner": "Visual, collaborative financial modeling software", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1612297159, "tags": [ "FinOps", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/logica", "api": "https://yc-oss.github.io/api/batches/winter-2021/logica.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": 22888, "name": "GimBooks", "slug": "gimbooks", "former_names": [ "G.I.M Infotech Pvt. Ltd." ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://gimbooks.com/", "all_locations": "Raipur, CT, India", "long_description": "GimBooks offers a cloud based and Mobile First book keeping and business management platform, geared mainly towards small and micro-sized businesses of India, which is easy to use and uniquely offers domain based bookkeeping and Integrated banking.", "one_liner": "GimBooks makes Bookkeeping Easy for small business owners", "team_size": 16, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1616066587, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/gimbooks", "api": "https://yc-oss.github.io/api/batches/winter-2021/gimbooks.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": 22975, "name": "Noble", "slug": "noble", "former_names": [ "Benga" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b8a0b353d8305ff47c82386cea196a9a9e2bda64.png", "website": "https://benoble.io/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Noble helps companies quickly assess the creditworthiness of their customers and monitor it over time. We do this by providing the modular components needed to quickly build a complete credit-underwriting infrastructure.\r\n", "one_liner": "Risk decisioning platform ", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1616252328, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/noble", "api": "https://yc-oss.github.io/api/batches/winter-2021/noble.json" }, { "id": 22983, "name": "Homebase", "slug": "homebase", "former_names": [ "Princep Pte Ltd." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40f593ffbf87115d864ecfbdee92baad6860322a.png", "website": "http://www.gethomebase.com/", "all_locations": "Ho Chi Minh City, Ho Chi Minh City, Vietnam; Ho Chi Minh City, Vietnam", "long_description": "Homebase provides Rent-To-Own real estate financing for buyers in Southeast Asia - the only alternative to inflexible/high-interest rate (12%+) mortgages in the region. We strive to provide more innovative, compelling, and empathetic solutions for those who aspire to own a home.\r\n\r\nHomebase was founded in 2019 in Singapore and is backed by Y Combinator, VinaCapital Ventures, Class 5 Global, Pegasus Technology Ventures, 1982 Ventures, Iterative VC and Antler, as well as the founders and executives at disruptive real estate financing companies including Opendoor, Zerodown, 99.co and Divvy Homes.", "one_liner": "Personalized rent-to-own real estate financing using technology in SEA", "team_size": 20, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1614618857, "tags": [ "Fintech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/homebase", "api": "https://yc-oss.github.io/api/batches/winter-2021/homebase.json" }, { "id": 22990, "name": "QuotaBook", "slug": "quotabook", "former_names": [ "Quota Lab, Inc.", "Quotabook" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adfbf8022b6e8fb22a4da40b767f1def4bb6cf2f.png", "website": "https://www.quotabook.com/en", "all_locations": "Seoul, Seoul, South Korea", "long_description": "Founded in 2019 by ex-VCs, Quotabook is a fintech startup building equity management solutions for startups, employees and investors. With Quotabook, founders can streamline equity data and company ownership by managing cap tables as well as running analyses and simulations. Employees are better motivated through stock option features that are aligned with the growth of the company. Investors can track performance of their portfolios with data automatically synced into the platform. Quotabook takes care of all the fuss so that founders, employees and investors can focus on building a business together. \r\n\r\nWe are proud to be a startup helping fellow startups boost growth. Find out more about how we simplify equity management for startups around the globe from https://www.quotabook.com/en/", "one_liner": "Equity management platform for startups and investors.", "team_size": 50, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1616481943, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "South Korea", "East 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/quotabook", "api": "https://yc-oss.github.io/api/batches/winter-2021/quotabook.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": 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": 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": 23238, "name": "Ontop", "slug": "ontop", "former_names": [ "TOP", "ontop" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5dbb79988f18a52e0b199ca7f510d224c687729f.png", "website": "https://www.getontop.com/", "all_locations": "Miami, FL, USA; Remote", "long_description": "Ontop allows companies to hire international workers and gives those workers access to USD accounts.", "one_liner": "Simplifying hiring and payments for the global workforce", "team_size": 192, "industry": "B2B", "subindustry": "B2B", "launched_at": 1614618716, "tags": [ "Fintech", "SaaS", "B2B", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B" ], "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/ontop", "api": "https://yc-oss.github.io/api/batches/winter-2021/ontop.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": 23389, "name": "Gigs", "slug": "gigs", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f444340e9c64c3d358ff850ab1b009ff8af62d7.png", "website": "https://gigs.com", "all_locations": "San Francisco, CA, USA", "long_description": "Gigs is the leader in embedded connectivity, powering global mobile infrastructure for some of the world’s largest enterprises. By bridging the gap between telecom carriers and modern digital platforms, Gigs enables connectivity for hundreds of millions of people worldwide. Gigs is backed by Ribbit Capital, Google’s Gradient Ventures, and Y Combinator. Learn more about what we do at www.gigs.com.", "one_liner": "The OS for Embedded Telecom", "team_size": 150, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1614620930, "tags": [ "Fintech", "HR Tech", "API", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "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/gigs", "api": "https://yc-oss.github.io/api/batches/winter-2021/gigs.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, England, 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": 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": 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": 23598, "name": "SwiftSku", "slug": "swiftsku", "former_names": [ "SwiftSku", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3bb40b858fa07c3be03a29e849b4171670bbe91c.png", "website": "https://swiftsku.com", "all_locations": "New York, NY, USA; Remote", "long_description": "SwiftSku connects the $650B convenience store industry with management and analytics. \r\n\r\nSwiftSku’s app connects to point of sales at convenience stores in real time, enabling owners to remotely manage and monitor their stores. We take the guesswork out of running a convenience store with predictive analytics, dashboards, and reports.\r\n\r\nSwiftSku's CEO, Mit Patel, grew up managing the inventory, pricebook, and reporting of his family’s convenience stores, and, when vendors would come by, he’d bridge the language barrier as a translator. More than 85% of independent convenience stores are owned by Indian families like Mit’s.\r\n\r\nSolving convenience store owners' pains of today leads to SwiftSku's greater vision of optimizing the supply chain, facilitating a retailer agnostic consumer to brand relationship, and providing real time insights to brands and retailers.", "one_liner": "Management and analytics software for convenience stores", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1614638915, "tags": [ "Fintech", "SaaS", "B2B", "Analytics", "Retail Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Retail" ], "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/swiftsku", "api": "https://yc-oss.github.io/api/batches/winter-2021/swiftsku.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": 23642, "name": "Meru.com", "slug": "meru-com", "former_names": [ "Meru" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d9238e86542fecb16b8599ba8f4748c9160f7266.png", "website": "https://meru.com", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Meru is a platform that is optimizing the automotive aftermarket supply chain for mechanics in Latin America.\r\n", "one_liner": "The one-stop-shop for auto-parts in Mexico.", "team_size": 70, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1614200309, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Retail" ], "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/meru-com", "api": "https://yc-oss.github.io/api/batches/winter-2021/meru-com.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": 23727, "name": "Hyperseed", "slug": "hyperseed", "former_names": [ "Seed Technologies", "Inc.", "Seed Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4785c6a546427ae0a36c9b29c741968cd3964ce2.png", "website": "https://hyperseed.com", "all_locations": "San Francisco, CA, USA; Austin, TX, USA; Remote", "long_description": "Hyperseed is the Zapier for billing. \r\n \r\nWe help companies handle their custom billing workflows without code and instead, with spreadsheet formulas. Hyperseed replaces manual work borne of billing system limitations and lets companies avoid spending engineering resources on homegrown systems. ", "one_liner": "Zapier for billing", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1625703655, "tags": [ "FinOps", "Fintech", "SaaS", "Finance", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/hyperseed", "api": "https://yc-oss.github.io/api/batches/summer-2021/hyperseed.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": 23820, "name": "Blixo", "slug": "blixo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/387bbc46ef24e2458068251a26e8567f41af9908.png", "website": "https://blixo.com", "all_locations": "Miami, FL, USA; Remote", "long_description": "Blixo is an all-in-one replacement for things like subscription management, invoicing, collections, and cash application software.\r\n\r\nBlixo improves conversion rates, increases average order size, drives subscriber loyalty, collects unpaid bills, speeds up cashflow, and is the single source of truth for reconciled real time revenue data.", "one_liner": "Accounts receivable automation to help companies get paid faster ", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1626374878, "tags": [ "Fintech", "SaaS", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/blixo", "api": "https://yc-oss.github.io/api/batches/summer-2021/blixo.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": 23953, "name": "Hive Health", "slug": "hive-health", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2373edb1dc8e6a513434fa0240f39eb4b143a3be.png", "website": "https://www.ourhivehealth.com", "all_locations": "Manila, NCR, Philippines", "long_description": "", "one_liner": "Simplified digital health insurance for Filipino SMBs", "team_size": null, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1627916419, "tags": [ "Fintech", "Payments", "Telehealth", "Digital Health", "Health Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Healthcare" ], "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/hive-health", "api": "https://yc-oss.github.io/api/batches/summer-2021/hive-health.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": 23971, "name": "Concord Materials", "slug": "concord-materials", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3184c6727a76207d43485049fdf4e2604c6b26d7.png", "website": "https://concordmaterials.com", "all_locations": "New York, NY, USA", "long_description": "SaaS automation tools, financing and marketplace for bulk construction materials", "one_liner": "Automating procurement and finance for construction companies", "team_size": 7, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Construction", "launched_at": 1629906919, "tags": [ "Fintech", "Machine Learning", "Marketplace", "Insurance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Real Estate and Construction", "Construction" ], "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/concord-materials", "api": "https://yc-oss.github.io/api/batches/summer-2021/concord-materials.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": 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, England, 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": 24046, "name": "PropReturns", "slug": "propreturns", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c6ba36875562c96fddf6ef04d0acd5852345d88.png", "website": "https://www.propreturns.com/", "all_locations": "MH, India", "long_description": "PropReturns is an online platform to buy, sell and rent commercial real estate in India. The real estate market in India is highly fragmented and plagued by lack of transparency. We empower businesses and individuals in India to transact commercial real estate backed by data.", "one_liner": "End-to-end commercial real estate transaction platform ", "team_size": 40, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1627028432, "tags": [ "Fintech", "Marketplace", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/propreturns", "api": "https://yc-oss.github.io/api/batches/summer-2021/propreturns.json" }, { "id": 24059, "name": "SalaryBook", "slug": "salarybook", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/18003ad0da61412ba9ecc11d59ec2045f6248cc0.png", "website": "https://salarybook.co.in/", "all_locations": "Bengaluru, KA, India", "long_description": "SalaryBook is an payroll, employee attendance and Expense management app for 60 million Indian SMEs. SMBs see in our app a one stop solution for running their business. Starting from seamless on-boarding of employees to managing their payroll and attendance. Our app includes some cool features like selfie & location based attendance marking. Say goodbye to the traditional punch in attendance systems & replace it with a click of a button on SalaryBook mobile app.\r\n\r\nSalaryBook also helps 400M Indian blue-collar employees to create their first ever credit & skills profile online.", "one_liner": "Mobile first solution for Payroll, employee & expense management", "team_size": 7, "industry": "B2B", "subindustry": "B2B", "launched_at": 1629572233, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B" ], "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/salarybook", "api": "https://yc-oss.github.io/api/batches/summer-2021/salarybook.json" }, { "id": 24064, "name": "Confido", "slug": "confido", "former_names": [ "OutFit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29db94cccb8fb04c76b3795f179303c30d31cc11.png", "website": "https://www.confidotech.com", "all_locations": "New York, NY, USA", "long_description": "Confido is a next-generation financial automation and intelligence platform that helps fast-growing CPG brands operate and scale more efficiently. ", "one_liner": "AI-enabled financial automation and intelligence for CPG Brands", "team_size": 28, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1627617699, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "B2B", "Analytics" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/confido", "api": "https://yc-oss.github.io/api/batches/summer-2021/confido.json" }, { "id": 24093, "name": "Swipe", "slug": "swipe-2", "former_names": [ "VectorX", "Swipe (formerly VectorX)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/503edcb02d5cc855d205e529939710e731d771cb.png", "website": "https://getswipe.in", "all_locations": "Hyderabad, Telangana, India", "long_description": "Swipe is a simple billing and payments app for small businesses in India. We make it easy for local businesses to invoice their customers over WhatsApp. With Swipe, businesses can send a WhatsApp message with a link that allows their customers to pay instantly with a variety of payment methods.", "one_liner": "Super AI Accountant for SMBs", "team_size": 60, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1628792157, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "B2B", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/swipe-2", "api": "https://yc-oss.github.io/api/batches/summer-2021/swipe-2.json" }, { "id": 24132, "name": "Double", "slug": "doublehq", "former_names": [ "Keeper", "Double (formerly Keeper)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5c0d4190c226cfebdb2847415960320fc3195b52.png", "website": "https://www.doublehq.com", "all_locations": "New York, NY, USA; Remote", "long_description": "Double makes software to help bookkeepers manage their clients' back-office.\r\n\r\nWe write the same kind of software that venture-backed bookkeepers like Pilot write internally, but instead of doing bookkeeping, we sell that software to the 1.5M bookkeepers across the US.", "one_liner": "We make software for bookkeepers.", "team_size": 80, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1627002893, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/doublehq", "api": "https://yc-oss.github.io/api/batches/summer-2021/doublehq.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": 24151, "name": "Lago", "slug": "lago", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29939f1cfbd3fe315d3ded8f43c33775de6b9c89.png", "website": "https://www.getlago.com/", "all_locations": "San Francisco, CA, USA", "long_description": "At Lago, we're on a mission to make billing simpler, more transparent, and more adaptable for SaaS companies.\r\n\r\nAs the leading open-source billing platform, we empower businesses to build flexible pricing models and scale with confidence. We've raised over $22 million in funding from top-tier investors including Y Combinator and FirstMark, reflecting strong confidence in our vision and growth.\r\n\r\nOur platform has garnered over 9,000 stars on GitHub, a testament to our active and growing developer community. Companies such as PayPal, Synthesia and Mistral.ai choose Lago for their billing.\r\n\r\nWe're a team of ambitious, focused individuals who work together to solve hard problems with excellence and accountability. At Lago, we value reliability and proactivity - we trust each other to own tasks, drive them to completion, and adapt quickly. While we encourage you to try fast and \"fail fast\", we also expect you to learn fast: make mistakes, but don't make the same one twice.\r\n\r\nIf you're excited by challenges and want to grow alongside a high-performing, supportive team, this is the place for you.", "one_liner": "The AI Native Billing Platform", "team_size": 45, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1629092704, "tags": [ "FinOps", "Fintech", "SaaS", "Open Source", "Billing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/lago", "api": "https://yc-oss.github.io/api/batches/summer-2021/lago.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": 24162, "name": "Konta.com", "slug": "konta-com", "former_names": [ "Buho Contable", "Búho Contable", "Konta" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/622d1a1575c6b2aa9e5581889aff53e6bd867289.png", "website": "http://konta.com/", "all_locations": "Monterrey, N.L., Mexico", "long_description": "Konta.com is a tax filing and accounting platform for small businesses in México.", "one_liner": "Turbotax for México and LATAM", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1627574162, "tags": [ "Artificial Intelligence", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/konta-com", "api": "https://yc-oss.github.io/api/batches/summer-2021/konta-com.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": 24176, "name": "Maroo", "slug": "maroo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6eaf6cd73a245bd22f839792c218cc3d7342c02b.png", "website": "https://maroo.us/", "all_locations": "New York, NY, USA; Remote", "long_description": "", "one_liner": "CRM for creatives (acquired by Helium Ventures)", "team_size": 5, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1624484595, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/maroo", "api": "https://yc-oss.github.io/api/batches/summer-2021/maroo.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": 24253, "name": "Pluggy", "slug": "pluggy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3aa6cdb6e4514111f85524a950c06080c4af48cb.png", "website": "https://pluggy.ai", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Pluggy is a B2B Fintech that allows any developer to connect to the data from their users' bank and broker accounts, essentially Plaid for Brazil. \r\n\r\nWe are 100% focused in Brazil. One of the largest markets in the world. Its complexity, risks and challenges require its own solution.\r\n\r\nLocal focus and our deep experience in banking tech engineering allowed Pluggy to create a product that is considered by our customers as the only one to provide reliable data at the right time to market.\r\n\r\nWe currently cover 90% of the bank accounts in Brazil a market of more than 7 billion USD. \r\n\r\nWe are Pluggy!", "one_liner": "Plaid for Brazil: we allow developers to access users' financial data ", "team_size": 31, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1627936785, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "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/pluggy", "api": "https://yc-oss.github.io/api/batches/summer-2021/pluggy.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, England, 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": 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": 24379, "name": "Formance", "slug": "formance", "former_names": [ "Goldilocks", "Numary (ex Goldilocks)", "Numary", "Formance (fka Numary)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d2bd98c7cb8de435d88c71bda24056e4db21bc5f.png", "website": "https://formance.com", "all_locations": "Paris, Île-de-France, France", "long_description": "Formance Platform is building open-source infrastructure for the next wave of financial services. It enables fintech engineers to build and operate complex flow of funds, weaving together multiple payment rails with internal ledger accounts.\r\n\r\ngithub.com/formancehq/stack", "one_liner": "Open Source Infrastructure for the Financial Internet", "team_size": 30, "industry": "B2B", "subindustry": "B2B", "launched_at": 1626469942, "tags": [ "Developer Tools", "Fintech", "Payments", "B2B", "Open Source" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B" ], "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/formance", "api": "https://yc-oss.github.io/api/batches/summer-2021/formance.json" }, { "id": 24414, "name": "Encuadrado", "slug": "encuadrado", "former_names": [ "Encuadrado", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ae2ec24aebc03b86cfa807b5a427bb34ceef8.png", "website": "https://www.encuadrado.com/", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Remote", "long_description": "Encuadrado automates booking, payments, and invoicing for solo practitioners running appointment-based businesses in LATAM.", "one_liner": "Payments and scheduling for services professionals in LATAM", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1626366348, "tags": [ "Fintech", "Marketplace", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Productivity" ], "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/encuadrado", "api": "https://yc-oss.github.io/api/batches/summer-2021/encuadrado.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": 24477, "name": "Portão 3", "slug": "portao-3", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/13743e9786ef3077b61d0d72e6ce988840b731ca.png", "website": "https://portao3.com.br", "all_locations": "Uberlândia, MG, Brazil", "long_description": "Portão 3 is Ramp for LATAM. We are the frictionless way for companies to make payments.\r\n\r\nThe company is founded by Fernando, second-time entrepreneur with past successful exit and ex-CPO of large IT consulting firms in Brazil and Bianca, experienced entrepreneur that handled payments for Cargill and funded startups in travel and growth. We've grown bootstrapped from the beginning and we were in the Y Combinator S21 batch.", "one_liner": "We are the frictionless way for companies to make payments.", "team_size": 40, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1629397046, "tags": [ "Fintech", "B2B", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Brazil", "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/portao-3", "api": "https://yc-oss.github.io/api/batches/summer-2021/portao-3.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": 24543, "name": "Bolster", "slug": "bolster", "former_names": [ "CostCertified" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2118ef969f1350ba67b660fc943964dbc77e4bd0.png", "website": "https://bolsterbuilt.com", "all_locations": "Calgary, AB, Canada", "long_description": "We are building the Amazon for construction where contractors can give their customers an interactive shopping experience, turning the estimate into a point-of-sale, for the first time. It is a marketplace for general contractors, subcontractors, retailers and consumers, powered by a database of over 114,000 real items.\r\n", "one_liner": "The platform for buying, selling and managing residential construction", "team_size": 25, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Construction", "launched_at": 1624470842, "tags": [ "Fintech", "Marketplace", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Real Estate and Construction", "Construction" ], "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/bolster", "api": "https://yc-oss.github.io/api/batches/summer-2021/bolster.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": 24563, "name": "Chari", "slug": "chari", "former_names": [ "Chari Co." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/63475b4e57156528deb95c7070b5624dececa076.png", "website": "https://chari.com", "all_locations": "Casablanca, Casablanca-Settat, Morocco", "long_description": "Chari is an e-commerce and fintech app for traditional retailers in French-Speaking Africa allowing them to order any consumer goods they sell and get delivered for free in less than 24 hours. \r\nChari is also a financial services provider for these retailers, offering them microloans\r\n.", "one_liner": "B2B e-commerce and fintech platform for traditional proximity stores ", "team_size": 100, "industry": "Consumer", "subindustry": "Consumer -> Food and Beverage", "launched_at": 1625515088, "tags": [ "Fintech", "Grocery", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Consumer", "Food and Beverage" ], "regions": [ "Morocco", "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/chari", "api": "https://yc-oss.github.io/api/batches/summer-2021/chari.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": 24586, "name": "Hudson Labs (formerly Bedrock AI)", "slug": "hudson-labs", "former_names": [ "Bedrock AI Inc", "Bedrock AI", "Bedrock AI Inc", "Bedrock AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd75e91d8bd04b78cd1ba5d1d35a5512b450b415.png", "website": "https://www.hudson-labs.com/", "all_locations": "Toronto, ON, Canada", "long_description": "Finance-specific AI trained on complex financial language for industry-leading accuracy and reliability. Our large language models interpret and condense huge volumes of information, so institutional investors can make smarter decisions in record time.\r\n\r\nLearn more at www.hudson-labs.com", "one_liner": "AI-powered equity research software", "team_size": 5, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1625234463, "tags": [ "Artificial Intelligence", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/hudson-labs", "api": "https://yc-oss.github.io/api/batches/summer-2021/hudson-labs.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": 24596, "name": "Siglo", "slug": "siglo", "former_names": [ "Siglo Network", "Siglo Internet" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c9ae21fa84e639481e5aeb51fae758c9b4f8f606.png", "website": "https://siglo.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Siglo is a wireless ISP for communities in urban Latin America offering a faster, better, and easy-to-pay service.", "one_liner": "Home Internet for urban Latin America", "team_size": 20, "industry": "Consumer", "subindustry": "Consumer", "launched_at": 1625670318, "tags": [ "Fintech", "Community", "Telecommunications" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Consumer" ], "regions": [ "Mexico", "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/siglo", "api": "https://yc-oss.github.io/api/batches/summer-2021/siglo.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": 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": 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": 24830, "name": "GamerPay", "slug": "gamerpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8dc7e6411f0e24078034824dc1838738dc806d3.png", "website": "https://gamerpay.gg", "all_locations": "Copenhagen, Denmark", "long_description": "GamerPay is a marketplace for trading gaming skins and assets without scams. We do this by integrating with games to instantly validate all trades.\r\n\r\nWe launched 3 months ago and transacted 245.000 dollars growing 30% MoM. \r\n\r\nTalking to 5.000 gamers we learned that 46% have been scammed more than once. Over half are minors, who are stuck trading for cash on social media due to their age. \r\n\r\nWe are the first to build a fully compliant system for parental consent, enabling the majority of gamers to trade legally and giving the parents peace of mind.\r\n\r\nThere are 215 million trades annually in games we support. We make 7 dollars on average per trade. So a $1.5B initial market, growing fast alongside gaming and blockchain game economies. \r\n\r\nThe team behind previously co-founded the largest transactional marketplace for secondhand high end clothes in Denmark, with 1 million users and a yearly transacted GMV north of $40 million.", "one_liner": "We are the marketplace for trading gaming skins & assets without scams", "team_size": 6, "industry": "Consumer", "subindustry": "Consumer -> Gaming", "launched_at": 1624993690, "tags": [ "Fintech", "Marketplace", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Consumer", "Gaming" ], "regions": [ "Denmark", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/gamerpay", "api": "https://yc-oss.github.io/api/batches/summer-2021/gamerpay.json" }, { "id": 24871, "name": "Ahazou", "slug": "ahazou", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/688b5c2786948f05b6cdae30e72d3113fea715bb.png", "website": "https://ahazou.com", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Ahazou is a SaaS app that helps offline local businesses to connect online with their customers to promote their brand, to build their reputation and to sell more. We've reached USD100k MRR with 16k+ subscribers. Our vision is to build the next all-in-one platform for 50 million local businesses to grow online in Latam. The company is founded by Rui Miadaira - 10+ years building local businesses, 3x entrepreneur, tech background with a Harvard MBA - and has built a team from iFood, Movile, PicPay. Ahazou is backed by GFC, Monashees, Y Combinator (S21) and more.", "one_liner": "Podium for local businesses in Latam", "team_size": 27, "industry": "B2B", "subindustry": "B2B -> Marketing", "launched_at": 1626437616, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Marketing" ], "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/ahazou", "api": "https://yc-oss.github.io/api/batches/summer-2021/ahazou.json" }, { "id": 24874, "name": "Payflow", "slug": "payflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2f3335ebf887d6a8fa009be25267d1702eb2a4c.png", "website": "https://www.payflow.es/", "all_locations": "Madrid, Community of Madrid, Spain", "long_description": "A mobile app. It allows employees to get paid whenever they want, instead of just once a month (or biweekly). We sell it to companies as an employee benefit (B2B SaaS).\r\n", "one_liner": "A mobile app. It allows employees to get paid their salary on-demand.", "team_size": 50, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1624456825, "tags": [ "Fintech", "SaaS", "HR Tech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Human Resources" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/payflow", "api": "https://yc-oss.github.io/api/batches/summer-2021/payflow.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": 24884, "name": "Chipax", "slug": "chipax", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3a88c695f80988b5eb6e20aa5e0200a956a2b299.png", "website": "https://www.chipax.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Remote", "long_description": "Chipax handles all payments, invoices, and reconciliations to provide real-time AR & AP for SMBs, starting in Mexico and Chile. We're currently at $1.6M ARR with more than 1,100 paying businesses. The company is founded by Antonio Correa, François Gueneau de Mussy, Joaquín Brenner, and Felipe Urzúa, Engineers from top universities in Chile, who have all experienced the pain of managing SMBs finances first hand in their previous jobs.", "one_liner": "Quickbooks for SMBs in Latam", "team_size": 37, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1625666600, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/chipax", "api": "https://yc-oss.github.io/api/batches/summer-2021/chipax.json" }, { "id": 24907, "name": "Toku", "slug": "toku", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ecd9035c05570df39ab2d459dd2547e334bc92f0.png", "website": "https://trytoku.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Toku helps companies increase their monthly revenue collection rate so they can focus on the their main business. Payment method management, failed payment retries, payment reminders, failed payment notifications, among others.", "one_liner": "Account Receivables Platform for Latin American Enterprises", "team_size": 150, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1626099984, "tags": [ "FinOps", "Fintech", "SaaS", "Payments", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/toku", "api": "https://yc-oss.github.io/api/batches/summer-2021/toku.json" }, { "id": 25047, "name": "Careerist", "slug": "careerist", "former_names": [ "Careerist (JobEasy Inc)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/639a74b99945fd44c299d69ed80b3245dcd6d7d2.png", "website": "http://careerist.com/", "all_locations": "Sunnyvale, CA, USA; Remote", "long_description": "Careerist is an ed-fintech platform that trains job seekers for tech careers (in QA, Sales, Support & more), finances them and automates their job hunting. Our B2B2C platform aggregates job seekers, tutors and employers – streamlining training and placement.\r\n\r\nTechcrunch: \"Edtech meets SaaS in Careerist’s job placement learning platform. The startup trains job seekers through live and self-paced training taught by third-party tutors. The adaptive learning software is meant to help candidates prep for tech interviews. Once a candidate is well equipped, Careerist uses automation to help them apply for jobs.\"", "one_liner": "Learning platform for job seekers with job applications automation", "team_size": 100, "industry": "Education", "subindustry": "Education", "launched_at": 1627410249, "tags": [ "Education", "Fintech", "Recruiting" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Education" ], "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/careerist", "api": "https://yc-oss.github.io/api/batches/summer-2021/careerist.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": 25160, "name": "Compra Rápida", "slug": "compra-rapida", "former_names": [ "Compra Rapida" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/597b354ebabd4350f20655a359475ece57b2fd91.png", "website": "https://www.comprarapida.co/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Compra Rápida is checkout made easy. Our platform offers a headless checkout experience for e-commerce stores, enabling retailers to increase conversions, retain abandonment, and boost sales. Registered users can buy at any e-commerce site from our network without requiring lengthy registration forms or complicated payment processes. Stores can automate their sales and recovery flows with our AI sales assistant. We aim to empower retailers to sell more while providing shoppers with a superior, humanized, and effortless buying experience.", "one_liner": "One-click checkout and AI sales assistant for LatAm.", "team_size": 21, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1641949937, "tags": [ "Fintech", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Retail" ], "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/compra-rapida", "api": "https://yc-oss.github.io/api/batches/winter-2022/compra-rapida.json" }, { "id": 25274, "name": "Remedial Health", "slug": "remedial-health", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/73343b42d603697aebf63d6beec0b8dca3a8c093.png", "website": "https://remedial.health", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Remedial Health sells medicine wholesale to the 1 million pharmacies and hospitals in Africa. Today in Africa, pharmacies shop in open-air medicine markets where they pay higher prices for counterfeits medicines. We offer a managed marketplace with all the stock they'll need, deliver within 24 hours and offer credit to help them grow.", "one_liner": "B2B E-commerce & Fintech platform for Pharmacies & Hospitals in Africa", "team_size": 300, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare Services", "launched_at": 1644831871, "tags": [ "Fintech", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Healthcare", "Healthcare Services" ], "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/remedial-health", "api": "https://yc-oss.github.io/api/batches/winter-2022/remedial-health.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": 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": 25316, "name": "Trébol", "slug": "trebol", "former_names": [ "Evalo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4338ad0a706ff34d600a9fbfcb0f2e931607a17a.png", "website": "https://gotrebol.com/", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Trébol provides the document AI infrastructure for modern financial services - from KYB to mortgage underwriting - turning weeks of manual processing into minutes.", "one_liner": "Your back-office, on autopilot", "team_size": 14, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1642535849, "tags": [ "Fintech", "SaaS", "B2B", "Legal", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/trebol", "api": "https://yc-oss.github.io/api/batches/winter-2022/trebol.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": 25320, "name": "Wingback", "slug": "wingback", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/de4dd6debd3ed51accf437ceb7b1b316e5fc5f36.png", "website": "https://www.wingback.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Wingback provides tools and APIs for SaaS pricing and packaging. We are infrastructure that allows SaaS startups to deploy any set of features of their product using any pricing model. It enables non-technical teams to implement pricing and packaging changes and execute product-led growth campaigns without engineering involvement.", "one_liner": "Wingback provides tools and APIs for SaaS pricing and packaging.", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1639087626, "tags": [ "Fintech", "SaaS", "API", "Enterprise", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "B2B", "Infrastructure" ], "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/wingback", "api": "https://yc-oss.github.io/api/batches/winter-2022/wingback.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": 25344, "name": "Proper", "slug": "proper", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d5080bb4e9d3cbdac8c35addffff537031b3acee.png", "website": "http://www.properfinance.io", "all_locations": "San Francisco, CA, USA", "long_description": "Proper provides software & APIs to help companies manage their payments data across providers. We connect banks, API providers, and networks in a single platform and provide automated reconciliation and accounting, so companies can maintain financial accuracy at scale.\r\n\r\nOur integrated financial operating system gives companies a unified back-office data platform across their services and providers. With Proper, companies can spend less time on low-level financial system infrastructure and more time focused on building for their end-users.", "one_liner": "Reconciliation and financial operations platform", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1641484259, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/proper", "api": "https://yc-oss.github.io/api/batches/winter-2022/proper.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": 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": 25404, "name": "Castia", "slug": "castia", "former_names": [ "acasa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/54352d794e359591bddc4ade9c2565db797df0be.png", "website": "https://www.castia.com", "all_locations": "Bogotá, Bogota, Colombia; Mexico City, CDMX, Mexico", "long_description": "Castia is the first rent payment platform in Latam that allows tenants and landlords to get benefits for one of their single biggest monthly expense. Get rewards, pay with any payment method, build your credit score and even save for your future home downpayment, just by paying rent through Castia.", "one_liner": "Built Rewards for Latam. Pay Rent and get benefits.", "team_size": 50, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1642114139, "tags": [ "Fintech", "Consumer", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Colombia", "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/castia", "api": "https://yc-oss.github.io/api/batches/winter-2022/castia.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": 25473, "name": "Miggos", "slug": "miggos", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/73b0dfdeb1c9238884730f0ea6e15baf17611120.png", "website": "https://miggos.com/", "all_locations": "São Paulo, SP, Brazil", "long_description": "Miggos is a wholesale marketplace for the 5 million+ mom & pop clothing shops in Latin America.\r\n\r\nWe're on a mission to make the lives of these mom & pop store owners in Latin America easier, connecting brands and manufacturers to small retailers and facilitating the entire process of purchasing, selecting, and discovering new products, credit, logistics, and service.\r\n", "one_liner": "Wholesale marketplace for mom & pop clothing shops in LATAM", "team_size": 20, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1646395293, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/miggos", "api": "https://yc-oss.github.io/api/batches/winter-2022/miggos.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": 25526, "name": "Complif", "slug": "complif", "former_names": [ "celeri" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b058ab2c92aef24a0255569d8cf05427ba59231c.png", "website": "https://complif.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Complif automates compliance processes for financial entities, including KYC/KYB, AML, risk profiling, documentation management and regulatory reporting.", "one_liner": "Compliance tools for financial companies in LatAm KYC & AML", "team_size": 45, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1640886031, "tags": [ "Fintech", "SaaS", "B2B", "Compliance", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Operations" ], "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/complif", "api": "https://yc-oss.github.io/api/batches/winter-2022/complif.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": 25531, "name": "haddock", "slug": "haddock", "former_names": [ "Haddock App" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/71c4ea7756f719ab0406967511bffcd788ad50be.png", "website": "https://haddock.app", "all_locations": "Barcelona, CT, Spain", "long_description": "haddock is a restaurant operations platform that combines a category-leading System of Record with AI-powered Systems of Action. It centralizes all operational and financial data into a single source of truth, and uses AI agents to autonomously execute workflows such as reconciliation, invoice validation, and incident resolution. By reducing manual work and dependence on scarce talent, haddock helps restaurants improve margins, accuracy, and operational control at scale.", "one_liner": "AI agents to run restaurant operations", "team_size": 40, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1647423625, "tags": [ "Fintech", "SaaS", "B2B", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/haddock", "api": "https://yc-oss.github.io/api/batches/winter-2022/haddock.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": 25576, "name": "Drivingforce", "slug": "drivingforce", "former_names": [ "OpenOps", "Trucking Up", "FreightOps", "drivingforce.ai" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fabc1eea159b033eedc3f4aa05730c1c4b7dd5a5.png", "website": "https://www.drivingforce.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Drivingforce is building “Rippling for trucking”, an all-in-one workforce management solution for the trucking industry. We consolidate multiple back office functions such as compliance, payroll, and recruiting, so trucking fleets can manage their entire workforce in one place.\r\n\r\n\r\nCheck us out on TikTok!\r\ntiktok.com/@truckingnewbie", "one_liner": "Rippling for trucking", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1641884071, "tags": [ "Fintech", "SaaS", "Logistics", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/drivingforce", "api": "https://yc-oss.github.io/api/batches/winter-2022/drivingforce.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": 25608, "name": "Flagright", "slug": "flagright", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09c76f2c8efc3d34c7d5faf491ca2acdfa542fb7.png", "website": "https://flagright.com", "all_locations": "San Francisco, CA, USA", "long_description": "Flagright helps fintechs & banks monitor, screen, investigate, and report their transactions & customers against financial crime risks with a best-in-class AML compliance software. Catering to a diverse clientele across various financial sectors, we serve customers across 6 continents. Flagright is a pioneer in the application of generative AI for AML compliance operations with its AI suite, Flagright AI, delivering unmatched scalability and extreme performance. Our products are designed to help our customers scale volume without scaling headcount and grow faster.", "one_liner": "AI-native AML compliance platform for fintechs & banks", "team_size": 31, "industry": "B2B", "subindustry": "B2B", "launched_at": 1642412738, "tags": [ "Fintech", "B2B", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B" ], "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/flagright", "api": "https://yc-oss.github.io/api/batches/winter-2022/flagright.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": 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": 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": 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": 25715, "name": "SubscriptionFlow", "slug": "subscriptionflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6ea5429baf87f6ffc90d9204f3b44880844aead6.png", "website": "http://www.subscriptionflow.com", "all_locations": "London, England, United Kingdom; San Francisco, CA, USA", "long_description": "SubscriptionFlow is an AI-based customizable revenue management platform that helps SMBs optimize subscription revenue. It monitors user activity to identify customers at risk of churning and automatically alerts the sales team.\r\n\r\nFor example, eLearning/SaaS/Membership businesses require to monitor subscription usage to improve customer retention. Ecommerce/Magazine companies need to see the subscription trends to cross-sell and upsell products/services.\r\n", "one_liner": "AI based Customizable Subscription & Revenue Management Platform", "team_size": 9, "industry": "B2B", "subindustry": "B2B -> Sales", "launched_at": 1643142434, "tags": [ "AIOps", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Sales" ], "regions": [ "United Kingdom", "United States of America", "Europe", "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/subscriptionflow", "api": "https://yc-oss.github.io/api/batches/winter-2022/subscriptionflow.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": 25721, "name": "Tendo", "slug": "tendo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b82dfe518f1d7e3fc76d3783bf673d3db4ffa36f.png", "website": "https://tendo.app/", "all_locations": "Accra, Greater Accra Region, Ghana", "long_description": "Tendo enables anyone in Africa to sell online with zero upfront inventory - our mobile app connects dropshippers to local wholesalers. The sellers on the platform are able to source products through Tendo and resell items using social commerce tools, such as WhatsApp, arrange delivery, and get paid, all through the Tendo mobile app.\r\n\r\nAt the moment, people who want to sell online need to save money, visit hundreds of suppliers to find a trusted one, and risk losing their capital by stocking up inventory. Beyond this, they need to incur costs for logistics and warehousing. We eliminate all that.\r\n", "one_liner": "Enabling Africans to sell online with zero capital", "team_size": 15, "industry": "Consumer", "subindustry": "Consumer -> Social", "launched_at": 1642657370, "tags": [ "Fintech", "Marketplace", "Logistics", "Social", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Consumer", "Social" ], "regions": [ "Ghana", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/tendo", "api": "https://yc-oss.github.io/api/batches/winter-2022/tendo.json" }, { "id": 25722, "name": "Fuell", "slug": "fuell", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c3b9795e229abf871658c50860feea60e62240de.png", "website": "https://getfuell.com/", "all_locations": "Madrid, Community of Madrid, Spain", "long_description": "Fuell is a leading Expense Management solution that modernizes finance for SMEs by merging software and intelligent corporate cards into a single, unified platform.", "one_liner": "Fuell is a leading Expense Management solution that modernizes…", "team_size": 23, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1646674716, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/fuell", "api": "https://yc-oss.github.io/api/batches/winter-2022/fuell.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": 25788, "name": "DimOrder", "slug": "dimorder", "former_names": [ "Infinity Technology Corporation Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0a68dcf9898cd2ec07ae77181dd232dfe03396f.png", "website": "https://dimorder.com", "all_locations": "Hong Kong, Hong Kong", "long_description": "DimOrder - Restaurant POS system for Southeast Asia\r\n\r\nFounded in 2019, DimOrder is a Hong Kong-based technology company transforming the F&B industry. In addition to online payments, we allow restaurants to market to their customers, order food from their suppliers, and receive short term loans. Through one single platform, restaurateurs can easily manage their business and focus on their passion, we let the chef be chef.", "one_liner": "Toast for Southeast Asia", "team_size": 70, "industry": "B2B", "subindustry": "B2B", "launched_at": 1646206384, "tags": [ "Fintech", "SaaS", "B2B", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B" ], "regions": [ "Hong Kong", "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/dimorder", "api": "https://yc-oss.github.io/api/batches/winter-2022/dimorder.json" }, { "id": 25789, "name": "SaveIN", "slug": "savein", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ef8a1947c6f42babb59ca87d2eb2329eb2201cc.png", "website": "https://www.savein.money/", "all_locations": "Delhi, DL, India", "long_description": "SaveIN connects people with quality healthcare practices near them and enables them to split their entire medical and wellness bills into monthly instalments. \r\n\r\nOver 80% of healthcare expense in India is borne out of pocket since less than 10% of Indians have private health insurance. On top of this medical inflation is 15% per annum, thereby making paying for private care expensive and frictional.\r\n\r\n5000+ healthcare practices in India now use SaveIN to be discovered by millions of high intent customers near them and offer instant, monthly payment plans for all healthcare services, thereby making it a win-win proposition for all.\r\n\r\n\r\n", "one_liner": "Making private healthcare in India accessible and affordable", "team_size": 60, "industry": "Healthcare", "subindustry": "Healthcare -> Consumer Health and Wellness", "launched_at": 1640504840, "tags": [ "Fintech", "Marketplace", "Healthcare" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Healthcare", "Consumer Health and Wellness" ], "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/savein", "api": "https://yc-oss.github.io/api/batches/winter-2022/savein.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": 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": 25924, "name": "Better Opinions", "slug": "better-opinions", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6ae65ec2d1ccb8f2c368690d2013dc58fcdf2be.png", "website": "https://betteropinions.in/", "all_locations": "Bengaluru, KA, India; Gurugram, HR, India; Remote", "long_description": "Better Opinions is a prediction market of India which allows users to trade their opinion on everyday topics. For example, If you think India Covid cases will decrease by 10% this week, you can trade this insight and win money if correct.\r\n\r\nOur aim is to make the app inclusive for all. The stock market unfortunately can be very technical and opaque and therefore isn’t always accessible for all. However, when we start allowing trading in categories such as cricket, politics and entertainment, not only do we make trading more relatable, but we also help improve their financial literacy.", "one_liner": "Prediction market of India", "team_size": 12, "industry": "Consumer", "subindustry": "Consumer -> Gaming", "launched_at": 1642667483, "tags": [ "Fintech", "Consumer", "B2B", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Consumer", "Gaming" ], "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/better-opinions", "api": "https://yc-oss.github.io/api/batches/winter-2022/better-opinions.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": 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": 25976, "name": "GoJom", "slug": "gojom", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f6a49e808e5f793fd59cf2dacc4bd426cfbce9e.png", "website": "https://gojom.com", "all_locations": "Lima, Callao Region, Peru; Lima, Lima Province, Peru", "long_description": "GoJom is a One Stop Shop for Real Estate Solutions. It’s technology creates a faster and easier way to buy, sell and rent properties in LaTam. ", "one_liner": "One-stop-shop for Real Estate Solutions. ", "team_size": 140, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1639692064, "tags": [ "Fintech", "Machine Learning", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Real Estate and Construction" ], "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/gojom", "api": "https://yc-oss.github.io/api/batches/winter-2022/gojom.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": 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": 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": 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": 26054, "name": "Circular", "slug": "circular", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/80edaceef70737d2f96cfc2d1fcd50a1e593fe63.png", "website": "https://www.nowcircular.com", "all_locations": "Singapore, Singapore", "long_description": "Circular is accelerating the adoption of the circular economy by making subscriptions the best way to access and experience tech: from smartphones, laptops, and headphones to gaming, VR and wearables.\r\n\r\nOur customers get their hands on the best tech through low-cost, convenient subscriptions. They can pay monthly, keep it as long as they want, and if they love it, buy it. If they return it, we carefully refurbish it and pass it on to the next loving owner - radically extending its useful life.", "one_liner": "Subscription consumer electronics for Asia", "team_size": 25, "industry": "Consumer", "subindustry": "Consumer -> Consumer Electronics", "launched_at": 1639465428, "tags": [ "Fintech", "Marketplace", "Consumer", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Consumer", "Consumer Electronics" ], "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/circular", "api": "https://yc-oss.github.io/api/batches/winter-2022/circular.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": 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": 26206, "name": "Vecindario", "slug": "vecindario", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f39d6bdd2afdb4bab46e8ad395f0178a1f7412f.png", "website": "https://www.vecindario.com/", "all_locations": "Medellín, Antioquia, Colombia", "long_description": "We make it easy for real estate developers in LATAM to sell new properties and close mortgages, unifying the experience, so home buyers can buy a home in just a few steps and without the need to look for more intermediaries. We do it all online: selling homes and approving mortgages is 6x faster.", "one_liner": "We make it easier for real estate to sell properties and mortgages.", "team_size": 87, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1641910770, "tags": [ "Fintech", "SaaS", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Colombia", "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/vecindario", "api": "https://yc-oss.github.io/api/batches/winter-2022/vecindario.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": 26264, "name": "Jutsoo", "slug": "jutsoo", "former_names": [ "Bananas" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/69eb01b9a77c8101b0acffcb7de83b989be1a2ed.png", "website": "https://www.jutsoo.com/", "all_locations": "Jakarta, Jakarta, Indonesia; Remote", "long_description": "Jutsoo is a modern treasury management platform that helps finance teams work smarter by having efficient, reliable, real-time visibility and control over their financial data across their different banks and bank accounts.\r\n\r\nWe do this by unifying data from internal systems, integrating directly with banks for your money movements, and reconcile them automatically.\r\n\r\nMoney movements, reconciliations, cash forecasting, and identifying liquidity trends will be a breeze using us.", "one_liner": "All your corporate bank accounts connected under one platform", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1643226584, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/jutsoo", "api": "https://yc-oss.github.io/api/batches/winter-2022/jutsoo.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": 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": 26703, "name": "Versa", "slug": "versa", "former_names": [ "Bend" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/590fc99f3c68b1005a624179c505ab56706fd799.png", "website": "https://versa.org", "all_locations": "New York, NY, USA", "long_description": "Versa is a merchant-owned network, through which merchants securely send purchase details to buyers. You'll automate government-mandated receipt capture, reduce chargebacks, and grow sales.", "one_liner": "Smart receipts for your business spend", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1656108076, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/versa", "api": "https://yc-oss.github.io/api/batches/summer-2022/versa.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": 26715, "name": "Ruleset", "slug": "ruleset", "former_names": [ "Ruleset", "Lexer", "Ruleset", "Lexer", "Ruleset", "SynthCall", "BattleAgents" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/efd40b32ea9b1e9505e7a9ab1cc86d9b4829cfd1.png", "website": "https://ruleset.ai", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "The SaaS Decision Engine for Lenders", "team_size": 1, "industry": "B2B", "subindustry": "B2B", "launched_at": 1656533067, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "B2B" ], "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/ruleset", "api": "https://yc-oss.github.io/api/batches/summer-2022/ruleset.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": 26720, "name": "TrueBiz", "slug": "truebiz", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/744ba21703836aacf20f93a8ea2eaf05fdb4ad3f.png", "website": "https://truebiz.io/", "all_locations": "New York, NY, USA; Remote", "long_description": "TrueBiz helps financial service providers reduce manual review during business onboarding.\r\n\r\nWe add color to the company's background with 250+ data points on the company from around the web (such as industry and address), and summarize key risk indicators.\r\n\r\nThe process takes seconds – not days, so financial service providers can efficiently meet risk requirements and onboard new businesses faster.", "one_liner": "Instant Background Checks for Businesses", "team_size": 6, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1653081454, "tags": [ "Fintech", "B2B", "Identity", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Operations" ], "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/truebiz", "api": "https://yc-oss.github.io/api/batches/summer-2022/truebiz.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": 26752, "name": "Delegasi", "slug": "delegasi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/401f1712c75af775727056181128d235a71bb8e5.png", "website": "https://delegasi.co/", "all_locations": "Bandung, West Java, Indonesia", "long_description": "Financial statements are definitely a hassle for business owners. Many accounting software are available, yet not everyone has the capability to operate them.\r\n\r\nAmidst this problem, Delegasi dares to provide a solution. As the first virtual financial manager in Indonesia, we assist SMB owners in putting together their financial statements and business analysis. By simply uploading receipts and bank statements, owners will receive their financial statements and business analyses with guaranteed accuracy, allowing them to make well informed financial decisions.", "one_liner": "Automated accounting service for small businesses in Indonesia", "team_size": 8, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1659248138, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Indonesia", "Southeast Asia", "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/delegasi", "api": "https://yc-oss.github.io/api/batches/summer-2022/delegasi.json" }, { "id": 26754, "name": "Novig", "slug": "novig", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70b63d7ab273fdb7b71b48db89fe1042c817e72b.png", "website": "https://www.novig.com", "all_locations": "New York, NY, USA", "long_description": "Novig is building America's #1 sports prediction market. Founded by Jacob Fortinsky and Kelechi Ukah, we are the only platform to offer commission-free sports trading. We deliver better pricing, full transparency, and a more efficient market structure for users by eliminating the traditional sportsbook model.\r\n\r\nBacked by the best - Novig has raised over $100M from some of Silicon Valley’s top investors including Pantera, Forerunner, Lux, NFX, Paul Graham, and Joe Montana.", "one_liner": "America's #1 Sports Trading App", "team_size": 55, "industry": "Consumer", "subindustry": "Consumer -> Gaming", "launched_at": 1655052377, "tags": [ "Fintech", "Marketplace", "Sports Tech", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Consumer", "Gaming" ], "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/novig", "api": "https://yc-oss.github.io/api/batches/summer-2022/novig.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": 26782, "name": "Cashboard", "slug": "cashboard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/546da2a54a34cd455b53d2395bcff96834f7fb53.png", "website": "https://www.cashboard.co", "all_locations": "New York, NY, USA", "long_description": "", "one_liner": "Inventing the solo CFO.", "team_size": 6, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1657562779, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "Collaboration" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/cashboard", "api": "https://yc-oss.github.io/api/batches/summer-2022/cashboard.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": 26812, "name": "Hype", "slug": "hype", "former_names": [ "the402", "Hypeshot", "Hype", "Hypeshot" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/54f6fccc5aacf88b46483ea7bf6cb22f5728b09d.png", "website": "https://www.hype.meme/", "all_locations": "New York, NY, USA", "long_description": "Trade memecoins, crypto and send crypto to your friends\r\nDownload Hype here: https://apps.apple.com/us/app/hype-trade-memes/id6477802830", "one_liner": "Trade memecoins ", "team_size": 3, "industry": "Consumer", "subindustry": "Consumer", "launched_at": 1662071336, "tags": [ "Fintech", "Crypto / Web3", "Consumer", "Entertainment" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Consumer" ], "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/hype", "api": "https://yc-oss.github.io/api/batches/summer-2022/hype.json" }, { "id": 26825, "name": "Flair Labs", "slug": "flair-labs", "former_names": [ "Flair" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ede9e547182b45c640ce4cdec3bb01485529cf0.png", "website": "https://www.flairlabs.ai/", "all_locations": "Palo Alto, CA, USA", "long_description": "Flair Labs is the leading AI communications platform for lending, empowering teams to build autonomous agents that execute complex workflows across voice and text. We believe the next generation of top lending teams will be responsible for managing swarms of agents that execute tasks on their behalf – Flair Agent platform is the foundation enabling this future.", "one_liner": "AI workforce for mortgage", "team_size": 6, "industry": "B2B", "subindustry": "B2B", "launched_at": 1679982577, "tags": [ "Artificial Intelligence", "Fintech", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B" ], "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/flair-labs", "api": "https://yc-oss.github.io/api/batches/summer-2022/flair-labs.json" }, { "id": 26870, "name": "Thera", "slug": "thera", "former_names": [ "Carbon" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7e4349496f6bae01d17c1074e4815ebae20787d3.png", "website": "https://www.getthera.com", "all_locations": "New York, NY, USA", "long_description": "Thera is an AI-native ecosystem of apps to run a modern business: global payroll, treasury, spend management, invoicing/payments.\r\n\r\nThera works with hundreds of the world's leading companies like Oceans, 20four7VA, Landed, Zendrop, Oneleet, Codingal and Meru to supercharge their growth.\r\n\r\nBacked by Y Combinator, Amino Capital, Zillionize, 10x Founder, and many more. \r\n", "one_liner": "AI-Native Finance OS", "team_size": 15, "industry": "B2B", "subindustry": "B2B", "launched_at": 1661623746, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Payroll", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B" ], "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/thera", "api": "https://yc-oss.github.io/api/batches/summer-2022/thera.json" }, { "id": 26882, "name": "Coris", "slug": "coris", "former_names": [ "Coris Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8d68f694a6b7f9bb0fb7015ac9814c591f45f5d.png", "website": "https://coris.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Coris is the AI platform for payments risk and operations. We work with the most ambitious companies around the globe such as GoFundMe, Kajabi, Clio and Cherry to automate merchant onboarding, monitoring, and payment operations. What risk teams only imagined two years ago, Coris is delivering today with our risk platform and AI agents.\r\n\r\nWe’re backed by Y Combinator, Lux Capital, Pathlight Ventures, and other world-class investors — and we’re just getting started !", "one_liner": "AI risk and ops platform for Payment Processors, Banks, SaaS…", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1659411610, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "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/coris", "api": "https://yc-oss.github.io/api/batches/summer-2022/coris.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": 27047, "name": "Plutto", "slug": "plutto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/73b6704b442fafacacd64a71fafe1899c3d11a6c.png", "website": "https://getplutto.com/", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "Plutto is a supply-chain risk management and compliance platform for Latin America. We automate due diligence, compliance checks, and conflict-of-interest reviews—helping corporates across LatAm work with vendors and contractors safely.", "one_liner": "Supply-chain risk management and compliance platform for Latin…", "team_size": 20, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1657201173, "tags": [ "Fintech", "Identity", "Latin America", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "regions": [ "Chile", "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/plutto", "api": "https://yc-oss.github.io/api/batches/summer-2022/plutto.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": 27054, "name": "Ekho", "slug": "ekho", "former_names": [ "Ekho", "AirDealer", "Airdealer", "Ekho Dealer" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ba6801f432e8bfe7e4b8428c160da89816133ee9.png", "website": "https://www.ekho.com", "all_locations": "New York City, NY, USA", "long_description": "Ekho's end-to-end vehicle commerce platform powers compliant, digital sales of titled vehicles. Our platform handles checkout, financing, titling, registration, signature collection, and taxes—so dealers and OEMs can sell nationwide with a seamless, Tesla-like experience. Dealers use Ekho Dealer as a “dealership-in-a-box” to capture online sales and automate in-store deals without needing large back-office teams, while OEMs use Ekho Access and Omni to extend their reach and unify dealers across sales channels.", "one_liner": "Shopify for vehicles", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1677784119, "tags": [ "Auto Commerce", "Fintech", "Compliance", "Automotive" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/ekho", "api": "https://yc-oss.github.io/api/batches/summer-2022/ekho.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": 27142, "name": "Invofox", "slug": "invofox", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1f26d831f2c3961adfb05a98f923a285cd1aa50e.png", "website": "https://invofox.com", "all_locations": "Madrid, Community of Madrid, Spain; Remote", "long_description": "Invofox is the document processing AI for software companies. If you need to process documents such as invoices, receipts, bills of lading and others for your customers, you can easily build a first-in-class service with minimum effort using our technology. Check out our\r\nwebsite and developers portal for more information.", "one_liner": "INVOFOX is the document processing AI for software companies", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1660657383, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/invofox", "api": "https://yc-oss.github.io/api/batches/summer-2022/invofox.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": 27175, "name": "Express Building", "slug": "express-building", "former_names": [ "Uwi Homes", "Uwi", "uwi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/51e56d00fdef4175645d89fdb8c4452e07a347e7.png", "website": "https://www.expressbuilding.ph", "all_locations": "Singapore, Singapore; Remote", "long_description": "Express Building (EB) helps small and medium sized residential developers scale their pre-sold affordable housing development pipeline. \r\n\r\nCurrent markets: Indonesia & Philippines", "one_liner": "Financing Southeast Asia's ~$1 trillion housing backlog", "team_size": 14, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1656597546, "tags": [ "Fintech", "Real Estate", "B2B", "Proptech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/express-building", "api": "https://yc-oss.github.io/api/batches/summer-2022/express-building.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": 27249, "name": "Aldara", "slug": "aldara", "former_names": [ "Lumo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c86ef8ba5f876baddbfe2edd028c531149deb0f.png", "website": "https://aldara.com", "all_locations": "Barcelona, CT, Spain", "long_description": "Aldara is a modern, efficient HOA manager.\r\nWe achieve that by automating back-office and operations with our in-house technology, powered by AI.", "one_liner": "HOA manager with automated operations", "team_size": 10, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1660117520, "tags": [ "Fintech", "Real Estate", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction" ], "regions": [ "Spain", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/aldara", "api": "https://yc-oss.github.io/api/batches/summer-2022/aldara.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": 27251, "name": "Lotus", "slug": "lotus", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2939eceea0905b3a2c3c34f9f16476bbc6c94309.png", "website": "http://uselotus.io", "all_locations": "New York, NY, USA; Remote", "long_description": "Lotus is an open-core pricing and billing engine. We enable API companies to automate their custom usage-based pricing for any metric. Rather than guess on how to charge their customers, Lotus provides companies with powerful new tools from metering to invoicing to testing new pricing.\r\n\r\nOur self-hosted software is free on GitHub, and we offer a paid cloud version and enterprise tier for support.", "one_liner": "Open-Core Pricing and Billing Engine", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1659989754, "tags": [ "Fintech", "SaaS", "Open Source", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/lotus", "api": "https://yc-oss.github.io/api/batches/summer-2022/lotus.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": 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": 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": 27684, "name": "Struct", "slug": "struct", "former_names": [ "Bumper", "Struct", "AvenHQ" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ecb8a9d903b0fb450aa6187f3b78313fc656ca.png", "website": "https://struct.app", "all_locations": "Remote", "long_description": "Struct is the platform for multi-lingual AI voice agents for any phone-based task. Our agents are already live doing tens of thousands of calls daily across the globe and in multiple languages. ", "one_liner": "Multi-lingual AI Voice Agents", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677102979, "tags": [ "Fintech", "SaaS", "LegalTech", "CRM" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "B2B" ], "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/struct", "api": "https://yc-oss.github.io/api/batches/winter-2023/struct.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": 27699, "name": "Concourse", "slug": "concourse", "former_names": [ "Factr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a23ab54dfc7d4f1d332c905fd3e054c452007712.png", "website": "https://concourse.co/", "all_locations": "New York, NY, USA", "long_description": "Concourse is building AI agents for corporate finance teams. Concourse works alongside finances teams to assist in day-to-day operations by taking on the most manual and time consuming work. Core to the platform is an AI analyst tailor-built for finance teams that is available at any hour of the day, accessible via natural language, and built with full connectivity to a company’s existing financial systems. Concourse enables team members to more effectively retrieve and analyze data, generate charts and reports, and answer ad-hoc questions.", "one_liner": "AI Agents for corporate finance teams", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1680338396, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/concourse", "api": "https://yc-oss.github.io/api/batches/winter-2023/concourse.json" }, { "id": 27701, "name": "Backdrop", "slug": "backdrop", "former_names": [ "Sphere", "Twig", "Backdrop", "Backdrop (previously Twig)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dcbaa3bb5c44063d7f8556a66262b6a2852f72aa.png", "website": "https://www.backdropagent.com", "all_locations": "Seattle, WA, USA", "long_description": "Operating system for autonomous AI agents. Agents come pre-configured and run in the cloud with their own identity. Teams can assign tasks, communicate with agents directly on Slack, and see a full audit trail of everything they did.", "one_liner": "Hire your first AI Product team. ", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677171652, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/backdrop", "api": "https://yc-oss.github.io/api/batches/winter-2023/backdrop.json" }, { "id": 27735, "name": "Numeral", "slug": "numeral", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c0f30c988fde8ec60cc14e8c5cf656b62cd6d35d.png", "website": "https://www.numeral.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Numeral is the fastest, easiest way to stay compliant with US sales tax and global VAT. \r\n\r\nTrusted by 3,000+ businesses, including Eight Sleep, Ridge, and Manus, our end-to-end platform keeps our customers compliant wherever they sell, with registrations, filings, calculations, and ongoing compliance support.\r\n\r\nNumeral’s AI-native solution covers more than 70 countries and tens of thousands of jurisdictions and is built for accuracy and scale.", "one_liner": "The AI-native sales tax solution.", "team_size": 100, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1672355505, "tags": [ "Fintech", "SaaS", "Finance", "Compliance", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/numeral", "api": "https://yc-oss.github.io/api/batches/winter-2023/numeral.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": 27808, "name": "Salient", "slug": "salient", "former_names": [ "Techstyle", "VoxPop" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f78d48c4c1feae2f8495a8a4df57cd2b6fe14153.png", "website": "https://www.trysalient.com", "all_locations": "San Francisco, CA, USA", "long_description": "Salient is an AI workflow automation tool for lenders. We're working with the largest auto lenders in America and are hiring! ", "one_liner": "AI Servicing for Auto Lenders", "team_size": 40, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677110461, "tags": [ "Fintech", "Generative AI", "B2B", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/salient", "api": "https://yc-oss.github.io/api/batches/winter-2023/salient.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": 27841, "name": "Bujeti", "slug": "bujeti", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a7ef894596096ec275d7930a661da71c364631.png", "website": "https://www.bujeti.com", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Control spending, process payments, manage payroll, and multi-currency operations with approval workflows, total visibility and control, from one unified platform", "one_liner": "The Finance Control Centre for African Businesses", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1673189707, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/bujeti", "api": "https://yc-oss.github.io/api/batches/winter-2023/bujeti.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": 27853, "name": "Cobblestone", "slug": "cobblestone", "former_names": [ "AppDoma" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cf240361cd25bc54d8ed95f6708c9750de6531f.png", "website": "https://getcobblestone.com", "all_locations": "New York, NY, USA", "long_description": "We're building software to help institutional landlords reduce delinquency starting with fraud reduction.", "one_liner": "Delinquency reduction and automation software for institutional…", "team_size": 3, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1725807872, "tags": [ "Fintech", "Real Estate", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Real Estate and Construction" ], "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/cobblestone", "api": "https://yc-oss.github.io/api/batches/winter-2023/cobblestone.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": 27896, "name": "Truewind", "slug": "truewind", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2282cdd4a81eac40181a6efc3ce3c3d32c9eb037.png", "website": "https://truewind.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Truewind is a technology company based in San Francisco developing a digital staff accountant. Powered by AI, Truewind is a digital staff accountant that never sleeps, never gets sick, and always does its work. Completely predictable capacity planning. \r\n\r\nAutomate data categorization, supporting documentation collection, and client follow-up. Truewind’s AI agents will follow up on outstanding action items while the accountant can work on strategic tasks. This is fully integrated and unified across your accounting operations. We make it easy to get work done and get visibility into your team’s processes. \r\n\r\nTrusted by over 100 customers, including accounting firms EisnerAmper and Frank Rimerman, along with fast-growing companies such as Wefunder, StartPlaying and Mozart Data. We’re backed by the industry leaders of accounting and AI, Rho Capital, Thomson Reuters Ventures, Pathlight Ventures, Fin Capital, and Y Combinator. ", "one_liner": "AI-Powered Accounting", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1675872502, "tags": [ "Fintech", "Generative AI", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/truewind", "api": "https://yc-oss.github.io/api/batches/winter-2023/truewind.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": 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": 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": 28019, "name": "inBuild", "slug": "inbuild", "former_names": [ "inBuild, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/565db1f58d2ff6409bb5c8eb3aefcdbc3f515329.png", "website": "https://www.inbuild.ai/", "all_locations": "Wilmington, DE, USA; San Francisco, CA, USA; Aspen, CO, USA", "long_description": "inBuild boosts revenue for home builders by automating the thousands of invoices they receive for every project. For example, when a subcontractor sends an invoice for work they completed, inBuild checks the cost against the project budget, handles any approvals, pays the bill, and updates Quickbooks.", "one_liner": "Workflow Automation for Construction Finance ", "team_size": 12, "industry": "B2B", "subindustry": "B2B", "launched_at": 1671544099, "tags": [ "AI-Enhanced Learning", "Fintech", "Payments", "Construction", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/inbuild", "api": "https://yc-oss.github.io/api/batches/winter-2023/inbuild.json" }, { "id": 28045, "name": "Peeba", "slug": "peeba", "former_names": [ "Kingmaker Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1201a58c5de47a287ab4ea6a262a2598a1e6f3af.png", "website": "http://peeba.com/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Peeba is a one-stop B2B wholesale marketplace that is changing the way retailers across Asia purchase inventory. We’ve streamlined the buying process, making it easier than ever for independent retailers to buy top-selling products from unique brands for their stores.", "one_liner": "Risk-free wholesale for retailers across Southeast Asia", "team_size": 30, "industry": "B2B", "subindustry": "B2B", "launched_at": 1674343263, "tags": [ "Fintech", "Marketplace", "B2B", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/peeba", "api": "https://yc-oss.github.io/api/batches/winter-2023/peeba.json" }, { "id": 28079, "name": "Invopop", "slug": "invopop", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5903341d8e42bfa4053fabf5f02effd07eda7793.png", "website": "https://www.invopop.com/", "all_locations": "Madrid, Community of Madrid, Spain", "long_description": "Invopop helps global companies like SumUp, Fever, and DeepL manage electronic invoicing across more than 25 countries through a single API.\r\n\r\nIn the next five years, over 40 countries—including all EU member states—will require businesses to issue invoices electronically and report them in real-time to tax authorities. Instead of building and maintaining numerous local integrations, global companies can integrate just once with Invopop, streamlining compliance and saving time.", "one_liner": "We help global software companies comply with local tax reporting ", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1671704731, "tags": [ "FinOps", "Fintech", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/invopop", "api": "https://yc-oss.github.io/api/batches/winter-2023/invopop.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": 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": 28127, "name": "Benchmark", "slug": "benchmark", "former_names": [ "BidSight" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0dddc99c1f1c38c90b727d87cc7bb8d59dfad6be.png", "website": "https://withbenchmark.com/", "all_locations": "New York, NY, USA", "long_description": "Benchmark is the trusted AI platform for investment firms. Today, leading firms use Benchmark to screen deals, extract insights from unstructured data, and automate workflows. Our platform combines cutting-edge AI with deep industry expertise to help investment firms make smarter, faster decisions across their entire deal lifecycle.", "one_liner": "Decision infrastructure for investment firms", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1673633463, "tags": [ "Artificial Intelligence", "Fintech", "Finance", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/benchmark", "api": "https://yc-oss.github.io/api/batches/winter-2023/benchmark.json" }, { "id": 28162, "name": "Verata", "slug": "verata", "former_names": [ "aiFlow", "AiFlow" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/04042feea68cfa6b3181b5712c149970e24f178f.png", "website": "https://www.veratainsight.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Source Proprietary Deals Through Your Network. Verata combines relationship intelligence with private company data to help PE firms find targets, identify warm paths, and get to companies before they hit the market. We also empower firms to leverage their extended network for back-channeling and due diligence on prospective investment targets. ", "one_liner": "Network Intelligence for Investors", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677562483, "tags": [ "Fintech", "Generative AI", "SaaS", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/verata", "api": "https://yc-oss.github.io/api/batches/winter-2023/verata.json" }, { "id": 28175, "name": "Pier", "slug": "pier", "former_names": [ "Pier Fin", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/eb10300785960d3b48dfff648ae5ee0f8ba40cfc.png", "website": "http://www.pier-finance.com", "all_locations": "San Francisco, CA, USA", "long_description": "We’re building an API for launching credit products. We enable companies to compliantly offer credit by handling the tech stack for origination, underwriting and loan management with just a few lines of code. We have built-in compliance guardrails to ensure that our customers comply with state and federal regulations and assist with licensing requirements and license management. ", "one_liner": "Stripe for Credit - Trusted Credit Compliance Partner", "team_size": 4, "industry": "B2B", "subindustry": "B2B", "launched_at": 1673342537, "tags": [ "Artificial Intelligence", "Fintech", "SaaS", "B2B", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/pier", "api": "https://yc-oss.github.io/api/batches/winter-2023/pier.json" }, { "id": 28183, "name": "Metal", "slug": "metal", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bdcc8475801e999a95ad750970c80614d23f5c4.png", "website": "https://metal.ai/", "all_locations": "New York, NY, USA", "long_description": "Firm proprietary data is only as sharp as the context around it. Metal is the context platform for private capital.\r\n\r\nIt structures everything a firm has touched, every deal, company, and figure, along with every decision the deal team has made, into one context graph. So the AI tools your deal teams already rely on, like Claude, ChatGPT, and Copilot, can reason with the firm's own knowledge. Every deal feeds back into the graph, so the firm's edge compounds: each decision sharpens the one that follows.\r\n\r\nMetal is purpose-built for private equity and private credit. We turn what a firm knows into how it wins.", "one_liner": "The AI context platform for private capital. Everything your firm…", "team_size": 17, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1674209670, "tags": [ "Fintech", "SaaS", "Finance", "Investing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/metal", "api": "https://yc-oss.github.io/api/batches/winter-2023/metal.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": 28807, "name": "Pointhound", "slug": "pointhound", "former_names": [ "Homies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d2ca619520c27a962f58e863e40ff3811fb10853.png", "website": "http://www.pointhound.com", "all_locations": "Remote", "long_description": "Pointhound makes it easy to earn and redeem your credit card points for free flights. \r\n\r\nWe're driven by our mission to make the world more accessible through travel.", "one_liner": "Earn and redeem credit card points for free flights", "team_size": 5, "industry": "Consumer", "subindustry": "Consumer -> Travel, Leisure and Tourism", "launched_at": 1689084374, "tags": [ "Artificial Intelligence", "Fintech", "Consumer", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Consumer", "Travel, Leisure and Tourism" ], "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/pointhound", "api": "https://yc-oss.github.io/api/batches/summer-2023/pointhound.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": 28844, "name": "Alguna", "slug": "alguna", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e2a3ced5969028060bbaaf152193b5b6a2b3982.png", "website": "https://alguna.com", "all_locations": "London, England, United Kingdom; Remote", "long_description": "We are Alguna, building a modern platform that helps B2B companies price deals, send quotes, bill customers, and collect payments - all in one place.\r\n\r\nOur mission is to create the most efficient revenue engine for B2B SaaS.\r\n\r\nToday, many companies run these processes with spreadsheets and a patchwork of separate tools. That leads to slow approvals, manual work, mistakes, and missed revenue—especially as pricing gets more complex.\r\n\r\nAlguna replaces that mess by connecting the entire flow from **quote to cash**: what sales sells becomes what finance bills, automatically. We help teams automate invoicing, handle usage-based or custom pricing, and reduce back-and-forth between sales, finance, and engineering.\r\n\r\nThe result: growth-stage startups and enterprises can close deals faster, bill accurately, and scale revenue operations without adding headcount or building internal systems.\r\n", "one_liner": "AI-Native CPQ & Billing for Modern Pricing Models", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1691026781, "tags": [ "Fintech", "SaaS", "B2B", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United Kingdom", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/alguna", "api": "https://yc-oss.github.io/api/batches/summer-2023/alguna.json" }, { "id": 28845, "name": "Campfire", "slug": "campfire-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b964d406b730adef7e1ad9fcd6fdf8775ca296fc.png", "website": "https://campfire.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Campfire is the modern accounting platform for startups and mid-size tech companies. The fastest growing YC companies such as Replit, Posthog, SpeakAI run on Campfire. Our product includes an accounting general ledger that has multi-entity support and advanced financial reporting such as P&L by department and contribution margin by customer. Migrate from legacy accounting software to Campfire for your accounting and financial reporting to automate manual tasks and streamline workflows to unlock financial insights and accelerate the monthly close process.", "one_liner": "The AI Native ERP for the fastest growing companies.", "team_size": 105, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1690778245, "tags": [ "Fintech", "SaaS", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/campfire-2", "api": "https://yc-oss.github.io/api/batches/summer-2023/campfire-2.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": 28971, "name": "Kobalt Labs", "slug": "kobalt-labs", "former_names": [ "Suspense" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1c0b0e768a324b2566a3f866bf380445d3ae2fb8.png", "website": "https://www.kobaltlabs.com/", "all_locations": "New York, NY, USA", "long_description": "Automate and strengthen manual risk and compliance operations for fintechs and banks. Given a third party contracts and documentation, Kobalt’s reasoning engine ingests internal policies and procedures, legal commitments, past privacy and compliance assessments, and syncs with external legislation to instantly auto-surface and track risks.\r\n\r\nWe're helping community/regional/sponsor banks increase revenue and scale their partnership and vendor volume, and we're helping fintechs conduct their partner diligence in 1/10 the time, all without needing to increase headcount.\r\n", "one_liner": "AI-powered risk and compliance for financial institutions", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1688528207, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Operations" ], "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/kobalt-labs", "api": "https://yc-oss.github.io/api/batches/summer-2023/kobalt-labs.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": 29000, "name": "SafetyKit", "slug": "safetykit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e6e9147312768cd270c02c7f00e0de9c130d05d.png", "website": "https://www.safetykit.com/", "all_locations": "San Francisco, CA, USA", "long_description": "SafetyKit's AI agents do the dirty work for big tech and finance companies so humans don't have to.\r\n\r\nToday companies rely on armies of low-paid outsourced humans to protect their platforms from fraud, harassment, and crime. It’s super important work, but the jobs are difficult and sometimes traumatizing, and it’s impossible to keep up. Our mission is to end this manual toil.\r\n\r\nWe learned this domain first-hand at Stripe and Airbnb, where first we built software for human reviewers, and then built models to replace them.\r\n\r\nWe’re a group of engineers from Stripe, Meta, Netflix, MIT, and Princeton that love language models and unironically love B2B SaaS. We know the economy is going to be rearranged over the next 4 years and we want to be in the driver’s seat.\r\n\r\nWe build vertical AI that works and have some of the world’s largest companies as paying customers. Patreon, Eventbrite, Upwork, Character.ai, Substack, Faire, along with a $10B+ marketplace, a $100B+ payments company, and more rely on SafetyKit in production.", "one_liner": "AI agents for risk, compliance, and safety", "team_size": 10, "industry": "B2B", "subindustry": "B2B", "launched_at": 1687827774, "tags": [ "Fintech", "Compliance", "Trust & Safety" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "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/safetykit", "api": "https://yc-oss.github.io/api/batches/summer-2023/safetykit.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": 29042, "name": "Santé", "slug": "sante", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/15a2b4571e1045f35c0ba2461c33ab3553502aba.png", "website": "https://santehq.com/", "all_locations": "New York, NY, USA", "long_description": "", "one_liner": "All-in-one POS for liquor stores", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1684850998, "tags": [ "Fintech", "SaaS", "B2B", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Retail" ], "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/sante", "api": "https://yc-oss.github.io/api/batches/summer-2023/sante.json" }, { "id": 29071, "name": "Cedalio", "slug": "cedalio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/253ca8c2833042159f28652e47d94970cc10b5cc.png", "website": "https://cedalio.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Cedalio is the AI agent platform for the Office of the CFO. We automate procurement, AP, and the data flows behind them — from invoice intake to 3-way match to payment — so finance teams stop doing the work and start governing it.", "one_liner": "AI agents that automate AP, procurement, and finance", "team_size": 6, "industry": "B2B", "subindustry": "B2B", "launched_at": 1685752888, "tags": [ "Fintech", "Finance", "Data Engineering", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "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/cedalio", "api": "https://yc-oss.github.io/api/batches/summer-2023/cedalio.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": 29090, "name": "Trayd", "slug": "trayd", "former_names": [ "Trayd", "TRAYD" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0a9f2865966789c4edf9a5fb78aced71bf8c4d9.png", "website": "https://www.buildtrayd.com/", "all_locations": "New York, NY, USA", "long_description": "Trayd is a B2B construction payroll platform and back office management system designed for same-day pay. We allow the 7M construction workers in the US to get access to their earned wages 7-10 days sooner than legacy payroll providers. With a unique spin on traditional payroll, Trayd is on a mission to create back office efficiencies for commercial subcontractors while simultaneously addressing the significant labor shortage affecting the $2.1TR North American construction industry. \r\n\r\nTrayd is bigger than construction payroll. It's the promise that the hardest working people get access to their money, as and when they need it, creating greater financial wellness across the board. Not only that, we are pioneering digital cash access for a demographic traditionally overlooked while simultaneously modernizing operations in an industry that has been slow to adapt. The challenges and opportunities with Trayd are abundant, promising an engaging journey ahead.", "one_liner": "A construction payroll platform designed for same-day pay.", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1689535318, "tags": [ "Fintech", "SaaS", "Construction", "Proptech", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/trayd", "api": "https://yc-oss.github.io/api/batches/summer-2023/trayd.json" }, { "id": 29092, "name": "dili", "slug": "dili", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e905bd15e69e145959bbab0b2b161c61c3dd16c.png", "website": "https://www.dili.com", "all_locations": "New York, NY, USA", "long_description": "Dili (YC S23) is building the most reliable AI automation for compliance in real-world industries.\r\n\r\nAcross energy, infrastructure, datacenters, advanced manufacturing, and construction, Dili has run prevailing wage, apprenticeship, & other labor compliance to help customers secure over $1 billion in federal funding.\r\n\r\nDili is building the AI system of record to help physical industries track compliance, analyze labor and spend, run payroll, and more. ", "one_liner": "Automating PWA Compliance and Diligence", "team_size": 15, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1686681508, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Compliance", "Energy" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/dili", "api": "https://yc-oss.github.io/api/batches/summer-2023/dili.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": 29106, "name": "Affinity", "slug": "affinity", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/883b7bc8ea92895dbca7a59f5ad014c489f3729a.png", "website": "https://itsaffinity.com", "all_locations": "New York, NY, USA; Remote", "long_description": "Affinity is a compliance training platform designed specifically for regulated industries. We’ve previously built a fintech from inception to a successful exit and are leveraging that experience to solve the learning management needs of regulated tech companies from growth stage to large enterprise banks.\r\n", "one_liner": "A compliance training platform built for regulated industries.", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1689270808, "tags": [ "Fintech", "Workflow Automation", "Team Collaboration", "Compliance", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "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/affinity", "api": "https://yc-oss.github.io/api/batches/summer-2023/affinity.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": 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": 29291, "name": "ROE", "slug": "roe", "former_names": [ "Roe AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6e62176aed0b225675a38d104b2bd4aa8deb20e.png", "website": "https://getroe.ai", "all_locations": "San Francisco, CA, USA", "long_description": "ROE AI solve risks and compliance problems for financial industry.", "one_liner": "AI for risk and compliance", "team_size": 9, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1705558893, "tags": [ "Fintech", "Generative AI", "Compliance", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "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/roe", "api": "https://yc-oss.github.io/api/batches/winter-2024/roe.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": 29327, "name": "Central", "slug": "central", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3fd82ba2859916808ff0e5edd50e4947e539c317.png", "website": "https://centralhq.com", "all_locations": "San Francisco, CA, USA", "long_description": "Central kills back-office work for startups. While HR/payroll platforms give you software to figure it out, Central actually does all the work using AI agents and human experts: payroll, benefits, compliance, accounting, taxes, and more. That's 10+ hours back every month. \r\n\r\nThousands of founders trust Central. Learn more and start for free at centralhq.com", "one_liner": "Payroll, benefits, state compliance & other bullsh*t for startups", "team_size": 15, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1716561030, "tags": [ "Fintech", "B2B", "HR Tech", "Payroll", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Acquired", "industries": [ "B2B", "Human Resources" ], "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/central", "api": "https://yc-oss.github.io/api/batches/summer-2024/central.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": 29349, "name": "Fuse", "slug": "fuse-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cc54fa641b3cb3228721daab125c19f08d117b8.png", "website": "http://www.fuseinsight.com", "all_locations": "London, England, United Kingdom", "long_description": "AI-powered automation for US healthcare provider workflows like patient intake, eligibility and benefits checks and billing using data-driven approaches. \r\n\r\nIf you know senior execs in medical groups or partners in healthcare PE please do connect us. We won’t waste their time: +1 628 468 3232.", "one_liner": "AI-powered workflow automation for US healthcare providers.", "team_size": 3, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1724162501, "tags": [ "Artificial Intelligence", "Fintech", "Payments", "B2B", "Healthcare" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Healthcare" ], "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/fuse-2", "api": "https://yc-oss.github.io/api/batches/summer-2024/fuse-2.json" }, { "id": 29390, "name": "OffDeal", "slug": "offdeal", "former_names": [ "Sidekick Labs" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23d3f5ab2e3955f14083478510c8a7ab18cb9f8f.png", "website": "https://offdeal.io", "all_locations": "New York City, NY, USA", "long_description": "OffDeal is an AI-native investment bank, offering small business owners a faster, cheaper way to sell their companies at premium prices. Our AI technology automates most of the grunt work typically done by analysts at larger Wall Street banks, enabling our in-house M&A advisors to focus more on strategic client interactions, leading to better outcomes for both sellers and buyers.", "one_liner": "AI-native investment bank for small businesses", "team_size": 15, "industry": "B2B", "subindustry": "B2B", "launched_at": 1709626394, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "SMB" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "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/offdeal", "api": "https://yc-oss.github.io/api/batches/winter-2024/offdeal.json" }, { "id": 29395, "name": "Clarum", "slug": "clarum", "former_names": [ "Over1" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f49116b2d71b646eb2e191786e22552e6be264f.png", "website": "https://clarum.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Clarum automates diligence, monitoring, and reporting for private market investors. Our AI agents learn how each firm works and automate their process end to end. Everything is individualized (checklists, templates, scoring models) and adapts as your process changes.\r\n\r\nClarum also acts as a self-updating knowledge base across every document your firm has ever seen, connecting dots no analyst could.", "one_liner": "AI agents for private market diligence, monitoring, and reporting", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1710174596, "tags": [ "Fintech", "SaaS", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/clarum", "api": "https://yc-oss.github.io/api/batches/winter-2024/clarum.json" }, { "id": 29398, "name": "ProSights", "slug": "prosights", "former_names": [ "ProSights", "Prosights" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7af3ebc3d01b55f1bcbe3d6c0c7f7edbaae31b20.png", "website": "https://prosights.co/", "all_locations": "New York, NY, USA", "long_description": "", "one_liner": "ProSights is a data / AI transformation partner to PE-backed portcos.", "team_size": 14, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1711348390, "tags": [ "Artificial Intelligence", "Fintech", "Analytics", "Enterprise Software", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Operations" ], "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/prosights", "api": "https://yc-oss.github.io/api/batches/winter-2024/prosights.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": 29423, "name": "Triply", "slug": "triply", "former_names": [ "TRIPITACA" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a50be8732ac92931d91e10a75379eb7b6b844ab1.png", "website": "https://business.triply.co/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Triply (Formerly Tripitaca) is the operating system for travel businesses in Africa. We eliminate operational chaos by unifying payments, Invoicing, payroll, accounting, operations, and more into a single platform allowing travel businesses to execute and sell more efficiently. \r\n", "one_liner": "Operating system for travel businesses in Africa with embedded finance", "team_size": 18, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1711741250, "tags": [ "Fintech", "Marketplace", "SaaS", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Operations" ], "regions": [ "Kenya", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/triply", "api": "https://yc-oss.github.io/api/batches/winter-2024/triply.json" }, { "id": 29440, "name": "Rove", "slug": "rove", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ce5fb2bc6ecc51b550577fdf7ed50f0b62b585d.png", "website": "https://rove.com", "all_locations": "New York, NY, USA", "long_description": "Rove is building the first accessible and universal airline mile, redeemable across dozens of international airlines and hotel chains worldwide.", "one_liner": "Travel the world for free.", "team_size": 4, "industry": "Consumer", "subindustry": "Consumer -> Travel, Leisure and Tourism", "launched_at": 1701568382, "tags": [ "Artificial Intelligence", "Fintech", "Consumer", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Consumer", "Travel, Leisure and Tourism" ], "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/rove", "api": "https://yc-oss.github.io/api/batches/winter-2024/rove.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": 29460, "name": "Ryse", "slug": "ryse", "former_names": [ "RYSE" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b3127fdf5e5c4be37c6ea79ff2812b08ce513d40.png", "website": "https://www.rysemarket.com/", "all_locations": "New York, NY, USA", "long_description": "Ryse is the only marketplace where investors who want to buy leases can trade with real estate operators who want to sell leases.", "one_liner": "The secondary market for real estate leases", "team_size": 13, "industry": "B2B", "subindustry": "B2B", "launched_at": 1711502260, "tags": [ "Fintech", "Machine Learning", "Marketplace", "B2B", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "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/ryse", "api": "https://yc-oss.github.io/api/batches/winter-2024/ryse.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": 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": 29519, "name": "Forge Rewards", "slug": "forge-rewards", "former_names": [ "Forge", "Forge Rewards", "Forge" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c135eee2915601bd39910219334c34b2549944a0.png", "website": "https://www.joinforge.app/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Starbucks app for restaurants", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1710184013, "tags": [ "Artificial Intelligence", "Fintech", "Food Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "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/forge-rewards", "api": "https://yc-oss.github.io/api/batches/winter-2024/forge-rewards.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": 29678, "name": "Lucible", "slug": "lucible", "former_names": [ "Driftly" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a5799d3c0e21d19d632cd36119e0bb9edb1d66cf.png", "website": "https://luciblefi.com", "all_locations": "New York City, NY, USA", "long_description": "Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.", "one_liner": "Combined checking and investment account", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1723587984, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Operations" ], "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/lucible", "api": "https://yc-oss.github.io/api/batches/summer-2024/lucible.json" }, { "id": 29710, "name": "TaxGPT", "slug": "taxgpt", "former_names": [ "TaxGPT Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/925a4d89b983d4afdeba53e9f6b6672031081f94.png", "website": "https://www.taxgpt.com", "all_locations": "San Francisco, CA, USA", "long_description": "TaxGPT AI co-pilot for accountants and tax professionals increases tax firm's productivity and profitability by 10x by automating tax research, client communication, onboarding flows and secure document collection.", "one_liner": "AI tax assistant for professionals and businesses", "team_size": 45, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1724299254, "tags": [ "Artificial Intelligence", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/taxgpt", "api": "https://yc-oss.github.io/api/batches/summer-2024/taxgpt.json" }, { "id": 29711, "name": "Fazeshift", "slug": "fazeshift", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c74ff87f3dfbb5392eebf85ad2a0b29ffd7073fa.png", "website": "https://www.fazeshift.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Fazeshift is an AI agent for automating Accounts Receivable. What used to take teams of people and hours of manual work can now be fully automated with Fazeshift. \r\n\r\nCaitlin and Timmy met while getting their MBA at Harvard. After graduating, they started a B2B marketing software startup, which is where they first experienced the pain of this process.\r\n\r\nThe problem stems from fragmented data across software platforms like QuickBooks, Stripe, NetSuite, DocuSign, HubSpot, and Salesforce. Fazeshift’s infrastructure connects the data across these software platforms and uses LLMs to automate the previously manual workflow.", "one_liner": "AI agent for Accounts Receivable", "team_size": 8, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1716255604, "tags": [ "Fintech", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/fazeshift", "api": "https://yc-oss.github.io/api/batches/summer-2024/fazeshift.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": 29804, "name": "Thyme", "slug": "thyme", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2ad649a18852dafbb67750b37634ebaf5846cdc.png", "website": "https://www.meetthyme.com/", "all_locations": "San Francisco, CA, USA", "long_description": "There are 300k+ financial advisors in the US using a digital Rolodex to manage their client relationships, and it's time for a makeover.\r\n\r\nAt Thyme we are building the OS for financial advisors that allows them to automatically take notes in meetings (in-person, online, and phone calls), manage their client records with the help of AI, and offer a client portal where clients can track their assets, manage tasks, and even pay for their services. \r\n\r\nOur users have replaced their legacy CRMs and billing solutions with us while deepening their clients' relationships thanks to our client portal and AI tooling that puts rich context at their fingertips.", "one_liner": "The OS for financial advisors", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1721429440, "tags": [ "Artificial Intelligence", "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/thyme", "api": "https://yc-oss.github.io/api/batches/summer-2024/thyme.json" }, { "id": 29824, "name": "Assembly HOA", "slug": "assembly-hoa", "former_names": [ "Assembly Technologies Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/251db0cfd3ffbbbe376cb8fa8066246654b8bd87.png", "website": "https://assemblyhoa.com", "all_locations": "San Francisco, CA, USA", "long_description": "Assembly is an AI-native HOA management company on a mission to fix homeowner associations. Traditional HOA management is often reactive, confusing, and inefficient. Assembly takes a different approach by combining professional expertise with intelligent software to make communities run smoothly and decisions easier.\r\n\r\nWe exist to build trust, create transparency, and ensure well-run communities that protect and enhance property values.\r\n\r\nAssembly simplifies day-to-day operations, automates routine tasks, and delivers the right knowledge at the right time. Our platform gives boards and homeowners clarity to make smarter, more confident decisions. \r\n\r\nWe manage HOAs in San Francisco Bay Area and Greater Los Angeles. ", "one_liner": "AI-native HOA Management Company", "team_size": 12, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1720464041, "tags": [ "Artificial Intelligence", "Fintech", "Real Estate", "Housing", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/assembly-hoa", "api": "https://yc-oss.github.io/api/batches/summer-2024/assembly-hoa.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": 29837, "name": "RentFlow", "slug": "rentflow", "former_names": [ "Pastelle.", "Mindley", "Mindely" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/83db64301a123c8f20195581b448254e59c1a24f.png", "website": "https://www.therentflow.com", "all_locations": "New York City, NY, USA", "long_description": "RentFlow is tackling a hair-on-fire problem for small and medium businesses across the U.S.: the way their rent is paid each month is fundamentally misaligned with how cash actually comes in.\r\n\r\nWe’re building the infrastructure layer to fix that.\r\n\r\nToday, ~50% of U.S. businesses are late on rent in any given month. The rest face invisible struggles to pay on time, undermining their stability month after month.\r\n\r\nRentFlow is the first platform to turn fixed business rent into an AI-driven, cash-flow-synced product, underwritten in real time from transaction-level data to prevent financial issues before they even surface.", "one_liner": "The AI infrastructure for cash-flow-aligned business rent", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1722719636, "tags": [ "Fintech", "Generative AI", "SaaS", "Payments", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "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/rentflow", "api": "https://yc-oss.github.io/api/batches/summer-2024/rentflow.json" }, { "id": 29839, "name": "pap!", "slug": "pap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/91957da820be361c716d7cafd0c4078a1c7333e0.png", "website": "https://joinpap.com/", "all_locations": "Berkeley, CA, USA", "long_description": "Consumers miss out on $70B+ every year because they're busy and unaware, and that money is sitting in their email inbox. So, we automated reading email receipts and claiming the money they're entitled to, offering a service to which you can sign up once, do (literally) nothing, and earn $.\r\n\r\nWhere is this money coming from?\r\n\r\n- Retailers: When the price of clothes or furniture you've already bought drops, you're entitled to a refund for the difference\r\n- Airlines: When a flight you've booked gets delayed or canceled, you're entitled to a cash compensation.\r\n- Enterprises: When a class-action lawsuit is filed against a company you engage with, you're entitled to money.\r\n- And many more, that even the government holds some of your unclaimed funds.\r\n\r\nToday, the dream of one service that automatically claims the money you deserve when you shop, fly,... and live is (finally) possible.\r\n\r\nWe started with automating refunds in the shopping industry and have secured $8,000 in refunds to our users, growing 233% MoM. With AI, we've been able to repurpose that same automation to tackle refunds in the flight industry and the class-action lawsuit landscape.\r\n\r\nWhy us? (1) We're obsessed with reclaiming what's rightfully yours: Kamal and Anthony grew up in Lebanon, where people's money was unfairly taken away. (2) Weijie was the lead infra engineer for Wish's recommendation system, the feature that fueled their IPO. Our combined experience includes Apple, Addepar, Bolt, Wish, and StackAdapt.\r\n\r\nAnd we're all working towards one goal: move those billions of dollars where they belong.\r\n", "one_liner": "Agents that earn consumers dollars when they shop, travel, and live.", "team_size": 3, "industry": "Consumer", "subindustry": "Consumer", "launched_at": 1724803143, "tags": [ "Fintech", "Consumer", "Consumer Finance", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Consumer" ], "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/pap", "api": "https://yc-oss.github.io/api/batches/summer-2024/pap.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": 29965, "name": "Formula Insight", "slug": "formula-insight", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0d24f87db5131a298b5fd35aba59870c07522d6f.png", "website": "https://www.formulainsight.io/", "all_locations": "New York, NY, USA", "long_description": "Formula Insight offers Institutional Investors previously inaccessible data. We provide a central repository of financial models so investors can track changes to forecasts, quantify projection accuracy and expedite analysis. This further systematizes the investment process and enables better investment decisions.", "one_liner": "Help Institutional Investors manage, track & query their Excel models", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1721802502, "tags": [ "Fintech", "SaaS", "B2B", "Workflow Automation", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "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/formula-insight", "api": "https://yc-oss.github.io/api/batches/summer-2024/formula-insight.json" }, { "id": 29967, "name": "Village Labs", "slug": "village-labs", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b437f74d1da9b456b7203c06d57c8eae2c1fa858.png", "website": "https://villagelabs.app/", "all_locations": "New York City, NY, USA", "long_description": "At Village Labs, we help America's businesses become employee owned by helping them set up and manage an employee stock ownership plan (ESOP). \r\n\r\nESOPs are a federal retirement plan that enable businesses to give their employees a stake in the company in exchange for significant tax benefits. \r\n\r\nWith 2.9M Baby Boomer business owners set to retire in the coming years, there's a growing \"Silver Tsunami\" of businesses across the country in search of new ownership. For many of these owners, selling to their employees is a socially-minded yet financially pragmatic solution.\r\n\r\nBy selling ownership of their business to an ESOP, owners get a fair price, tax benefits, and the satisfaction of knowing their employees and legacy will be taken care of — things not guaranteed with traditional buyers like private equity. In turn, employees retain their jobs and get shares in the business that can help them create life changing wealth by the time they retire — imagine an office secretary retiring as a millionaire. \r\n\r\nThousands of businesses across America like Bob's Red Mill, Harpoon Brewery, and Recology already have an ESOP, benefiting over 14 million workers and creating 2.1 trillion in employee wealth. We're excited about the opportunity to massively grow these numbers by making it simple for every business to become employee owned. \r\n", "one_liner": "Helping America's businesses become employee owned", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1725498040, "tags": [ "Fintech", "Human Resources" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Human Resources" ], "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/village-labs", "api": "https://yc-oss.github.io/api/batches/summer-2024/village-labs.json" }, { "id": 29973, "name": "Arva AI", "slug": "arva-ai", "former_names": [ "Tarit AI", "Arva AI", "Arva" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/637fd6f0b41173fce58a7cc13944c42be5d808ec.png", "website": "https://www.arva.ai", "all_locations": "New York, NY, USA", "long_description": "Banks and fintechs have large teams of human analysts who conduct manual checks and reviews. We replace those human compliance analysts with AI agents that automate 80% of the manual work for faster and more compliant financial crime (AML) reviews.\r\n\r\nOur first three products are: Screening AI (discount 91% of screening alerts), KYB/C AI (speed up onboarding), Transaction Monitoring AI (handle AML transaction monitoring alerts)\r\n\r\nOur end goal is to have a whole suite of AI workers that can handle manual compliance work for banks and fintechs. A $24B opportunity in the US alone.", "one_liner": "AI Agents to scale AML, KYB and KYC operations", "team_size": 20, "industry": "B2B", "subindustry": "B2B", "launched_at": 1721196993, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Compliance", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "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/arva-ai", "api": "https://yc-oss.github.io/api/batches/summer-2024/arva-ai.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": 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": 30226, "name": "Tejas AI", "slug": "tejas-ai", "former_names": [ "TejasAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/840c36ebb3724b72f41749689acd669665f2e9e5.png", "website": "https://www.trytejas.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Tejas AI eliminates uncertainty, allowing decision-makers to develop and evaluate credit rules more quickly and effectively.", "one_liner": "Risk Decisioning Platform for Banks", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1740851644, "tags": [ "Artificial Intelligence", "Fintech", "Finance", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B" ], "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/tejas-ai", "api": "https://yc-oss.github.io/api/batches/winter-2025/tejas-ai.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": 30239, "name": "Cardamon", "slug": "cardamon", "former_names": [ "Openwealth" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3e4d26d964f7e9e8a081b6c3ec2ddad6bb65119.png", "website": "https://cardamon.ai/", "all_locations": "London, England, United Kingdom", "long_description": "Cardamon is an AI powered platform that ingests relevant regulation, understands what applies to each regulated financial firm, and gets compliance officers from regulation, to obligations, to product requirements in minutes - not weeks.\r\n\r\nFinancial firms face a host of complex regulations that make it incredibly painful to launch and maintain products in a compliant way. As a Product team at Revolut, we felt this pain deeply ourselves - we had products ready to launch but stuck in compliance limbo, often for weeks. Turns out, getting compliant took as long as building the product itself. \r\n\r\nFrustrated, we dug in and were shocked by how manual and inefficient the processes were. That’s when it clicked: there’s a huge opportunity to automate the boring stuff (and solve our own problem!). Compliance teams win because they ditch the tedious tasks. Product teams win because they ship faster. Everyone’s happy.", "one_liner": "AI compliance co-pilot for regulated financial businesses", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1740009565, "tags": [ "Artificial Intelligence", "Fintech", "Compliance", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/cardamon", "api": "https://yc-oss.github.io/api/batches/winter-2025/cardamon.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, England, 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": 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": 30292, "name": "Mesh", "slug": "mesh-2", "former_names": [ "Cart", "Mesh", "mesh" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23ccdc4419907ee05321c76c632bbd5270cb8764.png", "website": "http://www.usemesh.com", "all_locations": "San Francisco, CA, USA", "long_description": "Month-end shouldn’t be a race against the clock.\r\n\r\nFor most mid-to-enterprise finance teams, accruals are a manual bottleneck. Chasing missing invoices and manually updating spreadsheets can eat up 4+ days of every month-end close.\r\n\r\nMesh changes the timeline. We automate 90% of the accruals process by capturing real-time usage and service signals directly from your AP inbox, Slack, Teams, and historical journals. We turn fragmented data into audit-ready outputs, so you can stop guessing and start closing.\r\n\r\nSee how top teams are accelerating their close by 4+ days at www.usemesh.com", "one_liner": "Eliminating accrual spreadsheets for faster month-end", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1736927502, "tags": [ "FinOps", "Fintech", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/mesh-2", "api": "https://yc-oss.github.io/api/batches/winter-2025/mesh-2.json" }, { "id": 30334, "name": "Bluebook", "slug": "bluebook", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab67c5f36b05352c3fb1a5fa4f7fc41d1908c664.png", "website": "https://getbluebook.com", "all_locations": "San Francisco, CA, USA", "long_description": "Bluebook is building AI agents for accounting firms to accelerate research, reconciliations and monthly closings. We allow professionals to serve 200 clients instead of just 20. With research time cut by 30% accountants can provide more strategic advice to help their clients thrive. The 30 leading firms in the Nordics already use Bluebook.\r\n\r\nThe accounting industry faces a perfect storm: a massive CPA retirement wave (75% in the coming 15 years), increasing complexity from globalization and new regulations, and private equity consolidation driving productivity demands. LLMs enables software that can understand context, adapt to new scenarios, and handle complex accounting tasks with human-like reasoning - capabilities that traditional rule-based software lacks.", "one_liner": "AI for accounting", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1739450063, "tags": [ "Fintech", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/bluebook", "api": "https://yc-oss.github.io/api/batches/winter-2025/bluebook.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": 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": 30513, "name": "Eloquent AI", "slug": "eloquent-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/af87e3855cde7932b789b7149e717ec9f587f704.png", "website": "https://www.eloquentai.co/", "all_locations": "San Francisco, CA, USA", "long_description": "We automate complex, regulated operations in financial services—no APIs, no engineering required.\r\nWe hit $500K ARR in just four weeks because customers deploy instantly.\r\nOur AI Operator learns by observing existing workflows and SOPs, securely controlling browser and desktop applications to automate up to 96% of tasks.\r\n", "one_liner": "The AI Operator for Financial Services", "team_size": 5, "industry": "B2B", "subindustry": "B2B", "launched_at": 1743955975, "tags": [ "Fintech", "B2B", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "B2B" ], "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/eloquent-ai", "api": "https://yc-oss.github.io/api/batches/spring-2025/eloquent-ai.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": 30716, "name": "Finto", "slug": "finto-de", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6adb7f41be65aa21db82cf58680bb6b24b1fdaa.png", "website": "https://www.gofinto.com/", "all_locations": "Munich, BY, Germany", "long_description": "Finto builds AI accounting software for enterprise finance teams. We automate the invoice-to-pay process from their email inbox to their ERP. Cutting out 80% of the accountants daily work in invoice recording, account coding and invoice approvals.", "one_liner": "AI accounting for enterprise finance teams", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1751218179, "tags": [ "Artificial Intelligence", "Fintech", "B2B", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Germany", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": true, "url": "https://www.ycombinator.com/companies/finto-de", "api": "https://yc-oss.github.io/api/batches/summer-2025/finto-de.json" }, { "id": 30719, "name": "ProcIndex", "slug": "procindex", "former_names": [ "Inbox0", "April" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/55b886e3f926718d32add5ccfdea06761c40b243.png", "website": "https://procindex.com/", "all_locations": "San Francisco, CA, USA", "long_description": "ProcIndex is a full stack AI accounting firm, with a suite of agents to automate quote to cash, accounts payable and month end close processes end to end.\r\n\r\nProcIndex connects with your existing ERP, operates in the background while giving you full visibility into the agent actions and powers accounting teams to become 33% more efficient.", "one_liner": "AI Agents for Accounting Operations", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1753405058, "tags": [ "Fintech", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/procindex", "api": "https://yc-oss.github.io/api/batches/summer-2025/procindex.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": 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, England, 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": 30886, "name": "Mod AI", "slug": "mod-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/942d0cc053faa8bcd3d973b7c4ce50fda2e6defa.png", "website": "https://usemod.ai", "all_locations": "San Francisco, CA, USA", "long_description": "We're building the first fully autonomous accounts payable platform.\r\n\r\nOur AI clerks handle your entire AP workflow: invoice processing, GL coding, PO matching, approvals, responding to vendors, fraud detection and reporting. From the moment an invoice hits your inbox to the moment it's paid, no manual steps required.\r\n\r\nWe integrate with 16+ ERPs including QuickBooks, NetSuite, SAP, Dynamics 365, and Workday.\r\n\r\nFind out why enterprise teams choose Mod AI at usemod.ai.", "one_liner": "Touchless AP Automation", "team_size": 4, "industry": "B2B", "subindustry": "B2B", "launched_at": 1759171972, "tags": [ "Artificial Intelligence", "Fintech", "Finance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "B2B" ], "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/mod-ai", "api": "https://yc-oss.github.io/api/batches/fall-2025/mod-ai.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": 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": 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": 31155, "name": "Q2Q", "slug": "q2q", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6c42d7cabd8a666e0d6369ef40a058fca967f90.png", "website": "https://www.tryq2q.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Q2Q is the AI-native outbound engine for deal sourcing. Tell us the types of companies you want to buy, and we'll get qualified meetings booked for you. \r\n\r\nYou can think of Q2Q as your personal team of AI interns. You give us your buying criteria, and we'll go out and find companies, write personalized emails, and get first calls booked with business owners for you. As the human in the loop, you'll approve messages before we send. Q2Q handles the sourcing work so you can focus on evaluating great deals.", "one_liner": "We help private equity teams find acquisition targets faster", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1768420792, "tags": [ "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/q2q", "api": "https://yc-oss.github.io/api/batches/winter-2026/q2q.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": 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": 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": 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": 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" } ]