Financial Technology and Services Startups funded by Y Combinator (YC) 2024

July 2024

Browse 99 of the top Financial Technology and Services startups funded by Y Combinator.

We also have a Startup Directory where you can search through over 5,000 companies.

  • Coinbase
    Coinbase (s2012)Public • 6,112 employees • San Francisco, CA, USA
    Founded in June of 2012, Coinbase is a digital currency wallet and platform where merchants and consumers can transact with new digital currencies like bitcoin, ethereum, and litecoin. Our vision is to bring more innovation, efficiency, and equality of opportunity to the world by building an open financial system. Our first step on that journey is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more intuitive to use.
    crypto-web3
  • Truebill
    Truebill (w2016)Acquired • 225 employees • Silver Spring, MD, USA
    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. Truebill'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. Truebill is backed by Accel, Bessemer Venture Partners, Eldridge Industries, and YCombinator.
    fintech
  • Brex
    Brex (w2017)Active • 1,000 employees • San Francisco, CA, USA
    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. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Special events and masterclasses for founders - Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.
    fintech
  • Sendwave
    Sendwave (w2012)Acquired • 350 employees • Boston, MA, USA
    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.
    fintech
    payments
  • WePay
    WePay (s2009)Acquired • 400 employees • Redwood City, CA, USA
    WePay is a multi-party payments API for SMB SaaS, POS Platforms, and Online Marketplaces. It was acquired by JPMorgan Chase in 2018.
    fintech
  • Groww
    Groww (w2018)Active • 1,050 employees • Bengaluru, Karnataka, India
    Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.
    india
    investing
  • OpenInvest
    OpenInvest (s2015)Acquired • 110 employees • San Francisco, CA, USA
    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.
    fintech
    investing
  • Paystack
    Paystack (w2016)Acquired • 115 employees • Lagos, Nigeria
    Paystack is a small and vibrant family working across Lagos and San Francisco. We enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.
    fintech
  • Newfront
    Newfront (w2018)Active • 800 employees • San Francisco, CA, USA
    Newfront is transforming the delivery of risk management, employee experience, insurance, and retirement solutions by building the modern insurance platform. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. Headquartered in San Francisco, Newfront has offices throughout the country and is home to more than 850 employees who serve clients across the United States and globally.
    fintech
    insurance
  • FutureAdvisor
    FutureAdvisor (s2010)Acquired • 51 employees • San Francisco, CA, USA
    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. FutureAdvisor is leading a shift in financial services towards transparency, convenience and inclusion. FutureAdvisor 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 Social Media Community Policy: Content 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.
    fintech
  • Razorpay
    Razorpay (w2015)Active • 2,700 employees • Bengaluru, Karnataka, India
    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. Over 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. Razorpay 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. Be 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. Over 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. Razorpay 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. All 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.
    banking-as-a-service
    fintech
    payments
    india
  • SmartAsset
    SmartAsset (s2012)Active • 210 employees • New York, NY, USA
    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. Additionally, 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.
    fintech
    marketplace
  • Stripe
    Stripe (s2009)Active • 7,000 employees • San Francisco, CA, USA
    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.
    banking-as-a-service
    fintech
    saas
  • Wave
    Wave (w2012)Active • 1,600 employees • Dakar, Senegal
    Building extremely affordable financial infrastructure for Africa.
    fintech
  • iNRI
    iNRI (w2023)Active • 2 employees • Mountain View, CA, USA
    India is set to be one of the fastest growing major economies and Indian expats have a unique opportunity to invest in this dynamic growing market. As an Indian expat looking to invest in India, investing in India is a daunting experience, with multiple operational hurdles, complex tax and repatriation regulations. Inri solves these challenges by providing a seamless investment platform comprising of personalized wealth advisory and compliance services.
    fintech
    saas
    india
    investing
    neobank
  • DailyPe
    DailyPe (w2023)Active • 2 employees • Surat, Gujarat, India
    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. Therefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. Every 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.
    fintech
    marketplace
    b2b
  • Infinia
    Infinia (w2023)Active • 3 employees • Montevideo, Montevideo Department, Uruguay
    Infinia is enabling Fintechs, PSPs and Banks to connect to RTP rails both for payins and payouts globally. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR.
    fintech
    payments
    b2b
  • Treasury Prime
    Treasury Prime (w2018)Active • 100 employees • San Francisco, CA, USA
    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. We 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.
    banking-as-a-service
    fintech
    b2b
    api
  • Yatima Inc.
    Yatima Inc. (w2022)Active • 7 employees • Boston, MA, USA
    Yatima is a verifiable computing platform which uses formal proofs and zkSNARKs to make software safer.
    fintech
    hard-tech
    crypto-web3
    security
  • Flux
    Flux (s2019)Active • 9 employees • Mexico City, CDMX, Mexico
    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. Flux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.
    fintech
    payments
  • OneText
    OneText (w2023)Active • 6 employees • San Jose, CA, USA
    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. In 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. Founders 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. The 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.” We are excited to share what you can do with OneText.
    fintech
    payments
    consumer
    b2b
    e-commerce
  • LemFi
    LemFi (s2021)Active • 60 employees • London, UK
    LemFi is a digital bank for the African diaspora. There are over 20 million African immigrants in North America and Europe with many running businesses back home and we provide multi-currency accounts to help manage their unique banking needs.
    fintech
  • Apurata
    Apurata (s2019)Active • 12 employees • Lima, Peru
    We offer instant underwriting of financing at the point of sale (ecommerce or physical) focused on small purchases ($100-$1000).
    fintech
    e-commerce
  • Axoni
    Axoni (w2014)Active • 155 employees • New York, NY, USA
    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.
    fintech
    saas
  • Dots 💸
    Dots 💸 (s2021)Active • 7 employees • San Francisco, CA, USA
    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.
    fintech
    payments
    api
    creator-economy
  • NALA
    NALA (w2019)Active • 94 employees • New York, NY, USA
    Hear our story here: https://youtu.be/xyQoRDqFFoc CNN Feature: https://www.youtube.com/watch?v=kHKLdnGwgUk We have two products: 1. Consumer cross border payments to Africa: nala.com 2. Payment Rails for Africa: rafiki-api.com
    fintech
  • Wibond
    Wibond (w2022)Active • 30 employees • Córdoba, Cordoba, Argentina
    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. We 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. We 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: - Consumers can create their free account to quickly access and pay without banks, in installments, and without a card. - 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. We’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.
    banking-as-a-service
    cashierless-checkout
    fintech
  • Nophin
    Nophin (w2022)Active • 6 employees • New York, NY, USA
    Nophin helps commercial real estate investors make sophisticated underwriting decisions faster with an AI copilot.
    artificial-intelligence
    fintech
    real-estate
    proptech
  • Abhi
    Abhi (s2021)Active • 10 employees • Karachi City, Sindh, Pakistan
    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.
    fintech
  • Vendy
    Vendy (w2022)Active • 20 employees • Lagos, Nigeria
    Vendy Inc, a cutting-edge Financial Technology company registered in the U.S, and operating out of Nigeria, is on a mission to drive financial honesty in Africa. Vendy simplifies payment acceptance for businesses operating in Africa with its unified payment interface (UPI).
    fintech
    payments
    b2b
  • Malga
    Malga (s2021)Active • 46 employees • Rio de Janeiro, State of Rio de Janeiro, Brazil
    Malga gives digital businesses access to multiple payments services through a single integration, and the ability to change between them on a transaction to transaction basis without writing code.
    saas
    payments
    b2b
  • NowHouse
    NowHouse (w2024)Active0
    NowHouse helps stock brokerages settle trades instantly. We do this with modern post-trade processing software, starting with an AI-driven trade reconciler. The vision is to ultimately become the de facto system of record to broker-dealers and their regulators on the 3 trillion shares that change hands in the U.S. every year.
    artificial-intelligence
    fintech
    saas
    enterprise
    infrastructure
  • Double
    Double (w2024)Active • 4 employees
    Double let users easily build custom direct index strategies while automating things like tax loss harvesting and dollar cost averaging. We’re replacing people’s financial advisors and saving them 1-4% per year in fees. We’re building the next Vanguard - a modern, low fee and powerful investment account.
    fintech
    finance
    investing
    consumer-finance
    stocks
  • Elevate
    Elevate (s2024)Active • 2 employees • New York, NY, USA
    We make it easy for AI agents to buy anything on the internet. For example, if a user asked an AI agent to buy a book on an e-commerce site, we handle the purchase via our Purchasing API. AI agents are poised to elevate the way we shop, but they aren’t reliably making purchases today. We’re changing that by bringing uniformity to non-uniform checkout flows across the internet. Our expertise is at the intersection of payments and e-commerce. Angelica was a staff engineer at Stripe, driving API evolution, design, and governance across payments products. Scott was a senior investor at Sycamore Partners, investing in and partnering with leading consumer companies. Our solution will enable AI agents to make payments of every kind, including e-commerce (e.g., Amazon, eBay), consumer services (e.g., Uber, DoorDash), and B2B (e.g., supplier payment). In the US e-commerce market alone, there are 10B transactions every year, representing a significant opportunity for us. We have already onboarded multiple AI agent customers who have thousands of monthly users and have begun integrating them to power their e-commerce purchases.
    aiops
    fintech
    payments
    ai
    ai-assistant
  • marketfeed
    marketfeed (s2021)Active • 45 employees • Bengaluru, Karnataka, India
    marketfeed is an app that teaches people in India how to trade stocks.
    education
    fintech
  • WeatherCheck
    WeatherCheck (w2019)Active • 10 employees • 201 E Jefferson St, Louisville, KY 40202, USA
    WeatherChecks application tells anyone when severe hail is about to strike and when it has in fact impacted a property. Using state of the science technologies we compute and analyze geo-weather data faster than every weather company globally. This allows companies, insurance companies specifically to gain dynamic insight into their overall exposure and enabling them to respond more quickly and efficiently to disaster.
    weather
    insurance
  • Kontigo
    Kontigo (s2024)Active • 6 employees • San Francisco, CA, USA
    We are bringing over 1.5 billion people to the financial system through a USDC-based non-custodial & fully decentralized bank. Starting with LatAm SMBs. - Each user receives a USDC wallet, which protects against local inflation and generates yield from their saving circles. (ROSCAs). - Users spend or invest their saving circle dollars within our "Save now, buy later" marketplace. - We've created an AI credit-builder feature in WhatsApp that reports Roscas's activity to local credit bureaus.
    fintech
    crypto-web3
    smb
  • Bitstack
    Bitstack (s2022)Active • 14 employees • Paris, France
    Bitstack's mission is to empower people to participate in a more open financial system. Bitstack has gone from a simple product that invests your spare change in bitcoin to a bitcoin-native neobank that is bringing a better way to buy, sell, send, and receive bitcoin. Bitstack is powered by Bitcoin - the first open, global, and permissionless monetary network that allows users to send and receive money anywhere, instantly, with almost no fees, and with no central issuer that can debase its currency.
    crypto-web3
    neobank
  • Ping
    Ping (s2022)Active • 20 employees • Buenos Aires, Argentina
    Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.
    crypto-web3
    payments
    neobank
  • Stairs Financial
    Stairs Financial (w2022)Active • New York, NY, USA
    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.
    fintech
    govtech
    proptech
  • Milio
    Milio (w2023)Active • 16 employees • Bogotá, Bogota, Colombia
    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. We provide our solution through two Plug and Play integrations: PID payment button: End-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. Technology: API, SDK, Checkout UI. Immediate disbursement: Single 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. Technology: API, Dashboard UI.
    fintech
    saas
    payments
    b2b
  • Infina
    Infina (s2021)Active • 50 employees • Ho Chi Minh City, Vietnam
    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. Infina 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). Investing 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.
    fintech
    investing
  • Karbon Card
    Karbon Card (s2021)Active • 144 employees • Bengaluru, Karnataka, India
    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. For those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.
    fintech
    b2b
  • Flux
    Flux (w2021)Active • 8 employees • Lagos, Nigeria
    We are building Flux- Flux is a Mobile App for merchants, freelancers, regular users(P2P) to make and accept payments from their customers anywhere in the world using crypto or fiat. We have built a mobile app that uses the merchants’ phone number, creates a wallet enabling them to receive payments in crypto or fiat without having to go to an exchange or pay expensive fees. Merchants can accept payments in crypto or in fiat. Payments made in Crypto can easily convert into fiat due to the built in fast reconciliation and is made available for spending immediately. Currently the vast majority merchants receive payments in crypto because of two issues (1) Paypal, Venmo, CashApp or Square to not exist in Africa and (2) the local currency fluctuates more than bitcoin due to inflation. But in order for merchants to receive money in crypto and exchange it into fiat they resort to crypto exchange apps and crypto addresses to receive payments which is a very complicated and expensive process. Merchants want to be paid quickly with the lowest amount of fees possible. This is why we are building Flux
    defi
    crypto-web3
  • Pivo Technology Inc
    Pivo Technology Inc (s2022)Active • 11 employees • Lagos, Nigeria
    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. Starting 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. This will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow.
    fintech
    payments
    b2b
    supply-chain
    neobank
  • DolarApp
    DolarApp (s2021)Active • 26 employees • Mexico City, CDMX, Mexico
    DolarApp lets people in LatAm (currently Mexico, Argentina and Colombia) dollarize their everyday finances. Users can go from peso to dollar USDc (and back) in seconds, save in USDc, send and receive payments in the United States without the hassle, top up their accounts with crypto and pay with an international Mastercard at the best rates. DolarApp was started by 3 ex Revolut guys: Fernando and Alvaro led the 2 largest P&Ls in Revolut (Crypto and Subscriptions), and worked in LatAm as consultants for BCG; Zach led the Crypto and Remittances products at Revolut, and started an identity verification startup using crypto years ago.
    fintech
    crypto-web3
  • Floatpays Inc
    Floatpays Inc (s2021)Active • 15 employees • Cape Town, South Africa
    Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money. The 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. Our 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. We launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.
    fintech
    saas
  • Globe
    Globe (w2019)Active • 20 employees • Seychelles
    The global cryptocurrency derivatives exchange Inventors of bitcoin VIX, the first low latency perpetual futures exchange and more
    defi
    fintech
  • GroMo
    GroMo (w2021)Active • 100 employees • Gurugram, Haryana, India
    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.
    fintech
    insurance
  • Mono
    Mono (w2022)Active • 18 employees • Bogotá, Bogota, Colombia
    We offer a corporate bank account that integrates with accounting, tax and payroll systems allowing SMEs owners in LatAm manage their business in just one place.
    fintech
    neobank
  • Lofty
    Lofty (s2019)Active • 7 employees • Miami, FL, USA
    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. Sellers 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. Investors 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. Investors 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. Lofty never custodies or handles user funds or assets. Through smart-contracts on the blockchain, all transactions are directly peer-to-peer. If we succeed, we'll have built the NASDAQ for real estate and transformed how real estate is bought and sold in the USA.
    fintech
    crypto-web3
    real-estate
    investing
  • Afriex
    Afriex (s2020)Active • 2 employees • San Francisco, CA, USA
    Afriex makes it easy for immigrants to send money home. We offer instant, no-fee remittances to over 7 countries around the world.
    payments
    remittances
  • Tank Payments
    Tank Payments (s2022)Active • 3 employees • Austin, TX, USA
    Tank is the neobank for truckers. We enable instant funding from factoring companies to trucking companies, so a trucker never has to wait 2 days for money to settle before he can fuel up and get back on the road. By working directly with freight factors, Tank gets free distribution to a sticky audience of truckers and sits directly in the flow of funds in a cash intensive industry ($15-20k per month per truck). In 10 weeks, we closed 2 factoring companies and 17 trucking companies (45% after 1 phone call) - representing $2M+ in yearly direct deposits. With 925,000 trucks in our target segment of companies <7 trucks, and each truck spending $12k per month avg., we have a $2B+ opportunity just on interchange alone. The founders worked together at a startup (founded by DoubleClick founder Kevin O'Connor) that was acquired by Amazon and then spent 4+ years together building Alexa's AI functionality. Jad is a software developer with a CS degree from Cornell University, Matt was a technical product manager of analytics, and Dane was a manager of product management.
  • Increase
    Increase (s2020)Active • 10 employees
    Increase is banking for developers. Anything you can do with your bank, you can do via API. If you transfer, store, invest, or lend money, we can help you move faster.
    fintech
    neobank
  • Givefront
    Givefront (w2024)Active • 2 employees
    At Givefront (formerly Clav), we are building a banking platform tailored for nonprofits. Our unified platform allows organization leaders to manage banking, spend, payments, team turnover, reporting and compliance all in one place.
  • Seis
    Seis (w2022)Active • 17 employees • San Francisco, CA, USA
    Today we're the easiest way for our customers to get a bank account. Tomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. Our mission is to treat our customers as 1st class citizens and *end dial #2 for español*
    fintech
    consumer-finance
    neobank
  • Greenlite
    Greenlite (s2023)Active • 6 employees • San Francisco, CA, USA
    Greenlite builds AI workers for bank and fintech compliance teams. Innovative teams use our AI workers instead of outsourced teams to onboard customers faster with higher compliance standards.
    artificial-intelligence
    fintech
    payments
    b2b
    compliance
  • Magic
    Magic (s2022)Active • 3 employees
    Magic is the next-generation platform for payments, loyalty, and rewards.
    fintech
    payments
  • PINA
    PINA (w2022)Active • 25 employees • Jakarta, Indonesia
    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. We 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 . In 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.
    fintech
    machine-learning
  • Gauss
    Gauss (w2022)Active • 16 employees • New York, NY, USA
    Gauss allows people with good credit scores to significantly lower interest rates on their credit cards while they keep using them. Users connect their credit cards to the mobile app and get a revolving credit line in under 10 minutes. Gauss tracks and automatically pays off any expensive balance on connected cards, saving users thousands of dollars on interest charges and helping them pay off card balances faster and improve credit scores.
    fintech
    consumer
  • FrontPage
    FrontPage (s2021)Active • 24 employees • Bengaluru, Karnataka, India
    FrontPage has built a community for financial market traders in India. The community has more than 1M monthly active users. Now building a new stock trading platform for India, leveraging AI advances.
    fintech
    community
    ai
  • Sunlight
    Sunlight (s2022)Active • 6 employees • New York, NY, USA
    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. Merchants, 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. In 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. Until Sunlight. With 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. The 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!
    fintech
    payments
    b2b
    api
  • Greenboard
    Greenboard (w2024)Active • 5 employees
    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. Greenboard'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
  • Charityvest
    Charityvest (s2020)Active • 9 employees • Atlanta, GA, USA
    Charityvest is the modern donor-advised fund, for individuals and corporations. - Make tax-smart contributions of cash, stock, crypto, equity and more to your DAF. - Invest your charitable balance for tax-free growth with low-cost ETFs. - Send grants to 1.4 million charities with a few clicks. - Receive one tax receipt for all of your giving.
    fintech
    saas
    nonprofit
  • Union54
    Union54 (s2021)Active • 19 employees • Lusaka, Zambia
    Union54 has developed a number of tools to propel African commerce forward. Our customers are financial technology companies across Africa. Together with our customers, we’ve issued millions of debit cards to African consumers from almost every country on the continent. Those cards have gone on to be used for hundreds of millions of dollars across different merchants from various industries and locations. In the process, we’ve helped our fintech customers earn revenue in the millions of dollars.
    finops
    fintech
    consumer
    b2b
    messaging
  • Healia
    Healia (w2024)Active • 2 employees
    Our product allows employers to pay for the out of pocket costs for any employee that enrolls in their spouse's health insurance plan. This saves our customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs. We handle setup, employee education, and claims reimbursement. Our technology can even help employees who don't have a spouse understand their insurance options.
  • Elevate (formerly Bloom)
    Elevate (formerly Bloom) (w2022)Active • 7 employees • Dubai - United Arab Emirates
    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.
    fintech
    payments
    consumer
    neobank
  • Repool
    Repool (s2021)Active • 10 employees • New York, NY, USA
    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.
    fintech
    saas
  • Diligent
    Diligent (s2023)Active • 2 employees • Berlin, Germany
    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. Fintechs 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.
    fintech
    compliance
    fraud-prevention
    regtech
    ai
  • Yotta
    Yotta (s2020)Active • 8 employees • New York, NY, USA
    Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings.
    neobank
  • Cascading AI
    Cascading AI (s2023)Active • 3 employees • San Francisco, CA, USA
    Casca is building AGI for banking. We are replacing 30+ year-old legacy technology with AI-native systems of record that automate 90% of the manual work humans used to have to do. Our first product is an AI-native Loan Origination System - with a built-in AI Agent, called Sarah. Sarah communicates with small business loan applicants via email or sms, guides them through the application process and prepares the loan file for a human underwriter. Why? Small businesses are the heart of the American economy and a lot of banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes and unlocks affordable, quick bank funding for the 30M+ small businesses in the US as opposed to the high interest rates from online lenders.
    artificial-intelligence
    conversational-banking
    fintech
    machine-learning
    finance
  • Palomma
    Palomma (w2023)Active • 5 employees • Medellín, Medellin, Antioquia, Colombia
    Palomma is a treasury management software helping companies in LatAm manage their financial operations, including payments, cash flow, and reconciliation, in a seamless and automated way.
  • KorrAI
    KorrAI (w2022)Active • 9 employees • Halifax Regional Municipality, NS, Canada
    At KorrAI, we measures ground motion (land subsidence) from satellites, identifying risk before it becomes disaster. We offer fast and accurate risk maps to diverse industries, enabling smarter decisions in a changing climate.
    climate
    insurance
    ai
  • Aella
    Aella (w2017)Active • 60 employees • Lagos, Nigeria
    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. Aella’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.
    banking-as-a-service
    fintech
    microinsurance
  • FinFlx
    FinFlx (w2022)Active • 8 employees • Dubai - United Arab Emirates
    FinFlx makes it easier and more affordable for SME to offer defined contribution pension plans in line with local labour laws. Employers can launch a pension plan within hours instead of weeks, with fully digital employee record management, plan administration, investment selection and detailed reporting. FinFlx is the future of workplace retirement solutions in the Middle East.
    fintech
    saas
    b2b
  • amiloz
    amiloz (w2022)Active • 20 employees • Mexico City, CDMX, Mexico
    We are a Y Combinator / Latitud backed consumer 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.
    fintech
    lending
    consumer-finance
  • nsave
    nsave (s2022)Active • 10 employees • London, UK
    nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.
    fintech
    neobank
  • inai
    inai (s2021)Active • 14 employees • Delaware City, DE, USA
    inai provides a single integration for global payments to help companies take digital payments across the globe. Its 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). Merchants 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) Merchants 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.
    fintech
    saas
  • Alinea
    Alinea (w2021)Active • 8 employees • New York, NY, USA
    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.
    artificial-intelligence
    education
    fintech
    social
  • Creizer
    Creizer (w2022)Active • 12 employees • Mexico City, CDMX, Mexico
    Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers. More 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. At 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. We are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.
    fintech
    e-commerce
  • Ziina
    Ziina (w2021)Active • 25 employees • Dubai - United Arab Emirates
    Ziina is bringing the next generation of financial services to the Middle East.
    fintech
    payments
    neobank
  • Luable
    Luable (s2021)Active • 40 employees • Bogotá, Bogota, Colombia
    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. Luable'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. Since 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.
    fintech
  • Tremendous
    Tremendous (w2011)Active • 75 employees
    Tremendous is a payouts platform, enabling businesses to send money, prepaid cards, and gift cards to people around the world. Used by researchers at Google and MIT, marketers at Casper and Lyft, and institutions like United Way and the Federal Reserve Bank, Tremendous has orchestrated nearly 10 million payouts. Over 4,000 organizations agree: a Tremendous payout is almost as delightful to send as to receive.
    fintech
    payments
  • RedCarpetUp
    RedCarpetUp (s2015)Active • 100 employees • Gurugram, Haryana, India
    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. In a population base of 800 million people with bank accounts, there are less than 40 million credit cards. By 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.
    fintech
    india
  • Memberstack
    Memberstack (s2020)Active • 7 employees • Williamsburg, VA, USA
    Memberstack makes it easy to add user accounts and recurring payments to static websites, Webflow, Squarespace, and more! We’ve helped 1000+ companies generate millions in recurring revenue, and we’re just getting started 😁 If we succeed, Memberstack will enable hundreds of thousands of people to create powerful web apps and massive online businesses. Memberstack is backed by some incredible leaders, advisors, and investors who helped build the companies we use every day. Check the link for more info 👇 https://www.memberstack.com/blog/1000-customers-and-fundraise
    developer-tools
    fintech
    saas
  • Payhippo
    Payhippo (s2021)Active • 11 employees • Lagos, Nigeria
    Payhippo provides loans to small businesses in Africa in under 3 hours. We made $42k in revenue in Nigeria in July 2021, growing 25% m/m with a 97% repayment rate.
    fintech
  • PAYZE
    PAYZE (s2021)Active • 33 employees • Tbilisi, Georgia
    Innovator of online transactions, helping businesses in former soviet union countries to accept payments from around the world through a single integration.
    fintech
    b2b
  • Fintual
    Fintual (s2018)Active • 150 employees • Santiago, Santiago Metropolitan Region, Chile
    We allow people to invest. We manage USD 750m from +90,000 customers. We are regulated in Mexico and Chile.
    fintech
  • Coinrule
    Coinrule (s2021)Active • 17 employees • London, UK
    Coinrule Catches the Next Market Opportunity on Your Behalf by Automating Your Investments. Coinrule's previous Crowdfunding Video: https://www.youtube.com/watch?v=nnYJ4PnSvnU
    fintech
    crypto-web3