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

February 2024

Browse 100 of the top Financial Technology and Services startups funded by Y Combinator.

We also have a Startup Directory where you can search through over 4,000 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
  • 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. Millions of companies of all sizes now use Stripe’s software and APIs to accept payments, send payouts, 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
  • Brex
    Brex (w2017)Active • 1,100 employees • San Francisco, CA, USA
    Brex is everything startups need to scale from MVP to IPO. Our missions is to empower the next generation of businesses with an integrated corporate card and spend management software. We make it easy for our customers to manage every aspect of spending and empower their employees to make better financial decisions from anywhere they live or work. Brex proudly serves tens of thousands of growing businesses, from early-stage startups to enterprise leaders. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Bespoke, long-term capital solutions - Special events and masterclasses for founders - Advanced spend management software as startups grow
    fintech
  • Razorpay
    Razorpay (w2015)Active • 2,700 employees • Bengaluru, Karnataka, India
    The journey of building the ecosystem from scratch started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) were working on a crowdfunding portal project for India, they soon realized that most of the online payment gateway solutions were extremely cumbersome to get started on, especially for startups and SMEs. The company was surprised to see that the simple process of accepting payments was not streamlined. So they went about building an ecosystem from scratch with a hyperfocus on making the lives of businesses simpler and that's how Razorpay was born. The company witnessed the dismal state of the online payments industry in India and understood that they have a larger and more important issue to solve - democratizing payments for Indian businesses, particularly the underserved market, the SMEs. Razorpay today powers online payments for 34 of the 42 startups in India that became unicorns in 2022. Razorpay enables payments and banking solutions for over 10Mn businesses, including the likes of Facebook, Airtel, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme, TataConsultancy Services, Swiggy, CRED, BookMyShow, Ola, Zomato, Swiggy, ICICI Prudential among others. The core premise of the vision and values that Razorpay was founded in 2014 is the same as the organization practices today. It is to make money movement simpler and easier. Razorpay is on the path of building the Central Nervous System of Digital India, the next-gen payments and banking infrastructure for Digital India. The company will continue building an ecosystem that will not just build intelligent products that will make the lives of businesses easy and efficient but also drive financial growth and innovation for small businesses. All this is being done, together, in collaboration with banks, regulators, and stakeholders so that India can build a better place for doing business. Razorpay’s valuation jumped from $1 billion to $7.5 billion in just 14 month in 2021 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 plans to further scale up its Business Banking Suite, RazorpayX, and again build new banking solutions in 2023 that will help businesses focus less on handling compliance, operations and more on growth. This commitment to make lives simpler will continue at a much deeper level now, thanks to the opportunity to make acquisitions with like-minded companies. In total, till date, Razorpay has made seven acquisitions over the course of time: Acquired Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading fintech startup that provides payments-linked loyalty solutions to payment networks, banks, and businesses, 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 revenue platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions. RazorpayX Payroll in 2019 - a Payroll and HR Management Software company, to solve for seamless automation of a business’s entire payroll process, and Thirdwatch in 2019 - an Artificial Intelligence (AI) driven company specializing in big data and machine learning for real-time fraud prevention. Customer has always been at the core of all disruption that the company does, from addressing evolving needs to delivering new solutions: - This hyperfocus helped bring Razorpay’s several Industry first innovation into the market since 2014. Razorpay became the first to launch 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 automating 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. - Razorpay expanded health insurance policy to include LGBTQIA+ and Live-In Partners- This industry-first move made Razorpay the first Fintech unicorn in India to introduce a thoughtfully diverse and highly inclusive insurance policy for its team members. The new insurance policy, introduced recently, is applicable to all current team members of Razorpay.
    payments
    finance
    india
  • Monzo Bank
    Monzo Bank (ycc_only)Active • 2,450 employees • London, UK
    YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!
  • Flutterwave
    Flutterwave (s2016)Active • 500 employees • Lagos, Nigeria
    At Flutterwave, we are on a mission to build payments infrastructure to connect Africa to the global economy. We 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. Flutterwave 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. It 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.
    fintech
  • Xendit
    Xendit (s2015)Active • 700 employees • Jakarta, Indonesia
    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. Xendit 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. With 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. Xendit is licensed and regulated in multiple countries in Southeast Asia
    fintech
    payments
  • Groww
    Groww (w2018)Active • 1,050 employees • Bengaluru, Karnataka, India
    Groww offers a new way of investing money. We leverage technology and expert financial knowledge to make investing extremely simple yet rewarding for people. An ex-Flipkart team backed by Y Combinator, Sequoia, Propel Ventures, Kauffman Fellows and Insignia Ventures.
    india
    investing
  • GoCardless
    GoCardless (s2011)Active • 900 employees • London, UK
    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. We’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. Our 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. Our 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. We’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.
    fintech
    payments
  • Newfront
    Newfront (w2018)Active • 850 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
  • Jeeves
    Jeeves (s2020)Active • Miami, FL, USA
    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. More 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. Our product platform covers the following: 1. 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. 2. 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. 3. Expense Management: Collect receipts through the mobile app, review expenses in real time, and streamline global reporting capabilities - all at no additional cost. Benefits of the Jeeves Payments and Spend Management global platform include: -- Free built-in expense management tools -- No personal guarantees or contracts -- Unlimited cards and users for free -- No monthly fees or software fees -- Competitive cross-border payment pricing -- Spend and pay in your preferred currencies -- Business accepted in Brazil, Canada, Colombia, Mexico, the EU, the UK, and the US. Built for global companies. Loved by finance teams, including a large YC contingent. Join us today!
    fintech
    payments
  • Wave
    Wave (w2012)Active • 1,500 employees • Dakar, Senegal
    Building extremely affordable financial infrastructure for Africa.
    fintech
  • CoinTracker
    CoinTracker (w2018)Active • 100 employees • San Francisco, CA, USA
    [CoinTracker](https://www.cointracker.io) is a portfolio assistant for cryptocurrency. Used by over 1 million cryptocurrency holders with over $50 Billion in crypto assets on exchanges, it enables consumers and businesses to seamlessly track their cryptocurrency portfolio, investment performance, taxes, and more. Beyond cryptocurrency, we are building a general automated financial assistant for all financial assets.
    fintech
    saas
    crypto-web3
    consumer
  • 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
  • Titan
    Titan (s2018)Active • 100 employees • New York, NY, USA
    We are a new guard wealth management platform, vying to be the default for our generation's wealth. We have investment products across every major asset class (stocks, venture capital, credit, crypto, etc.), ranging from actively managed (like Apollo Real Estate) to passive (like Titan's near-free robo advisor, cheapest in the industry). We have investment advisors available to all clients.
    fintech
    saas
  • SmartAsset
    SmartAsset (s2012)Active • 300 employees • New York, NY, USA
    SmartAsset is a financial technology company that uses data to provide free, actionable advice for big financial decision. This includes issues related to home buying, retirement, credit cards, life insurance, student loans, refinance and checking accounts. At the heart of our service is a decision engine and optimization tool that measures the efficacy of different strategies, quantifies the true cost of financing alternatives and recommends specific financial products based on their suitability and cost to your specific situation.
    fintech
    marketplace
  • Ajaib
    Ajaib (s2018)Active • 300 employees • Jakarta, Indonesia
    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. Guided 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. Today, 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.
    fintech
    consumer
  • AtoB
    AtoB (s2020)Active • 71 employees • San Francisco, CA, USA
    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. AtoB 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.
    fintech
    saas
    payments
    supply-chain
    transportation
  • Kalshi
    Kalshi (w2019)Active • 30 employees • New York, NY, USA
    Kalshi (www.kalshi.com) is the first federally regulated exchange where you can trade on the outcome of events. We built Kalshi because we believe that people should be able to capitalize on what they know and have opinions on. We make this possible by expanding what people can trade on and allowing them trade in the domain of everyday knowledge. Kalshi is developing a new asset class, “event contracts,” and a financial exchange for trading on the outcome of events: we are federally regulated by the CFTC as the first-ever legal futures exchange in the U.S. for trading on a broad category of events.
    trading
  • Khatabook
    Khatabook (s2018)Active • 350 employees • Bengaluru, Karnataka, India
    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.
    fintech
  • FAZZ
    FAZZ (s2017)Active • 500 employees • Jakarta, Indonesia
    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: * Accept payments (e-wallet, bank transfer, credit card) * Business Cash Account (earn 4% interest) * Transfer / Pay (payment API's, corporate card, invoice processing via software) * Lending (instant settlement, invoice financing) * Value-add SaaS (inventory management, expense management) FAZZ 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. The 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.
    fintech
    payments
    neobank
  • Vouch
    Vouch (s2019)Active • 210 employees • San Francisco, CA, USA
    Vouch is business insurance for high-growth companies (from garage to IPO). In under 10 minutes, founders and finance teams can apply for coverage customized for their startup and industry vertical. Vouch offers 10+ lines of proprietary coverage, from General Liability, EPL, D&O, to Cyber policies. As the underwriter of these insurance policies, Vouch removes any hidden third party fees, and handles all of the paperwork from start to finish. Vouch is live in the US and works with thousands of start-ups, including hundreds of YC backed companies.
    fintech
    b2b
  • Jerry
    Jerry (s2017)Active • 288 employees • Palo Alto, CA, USA
    Jerry makes it really easy to save time and money on car expenses. The car ownership super app first launched its AI- and machine-learning-based car insurance compare-and-buy service in 2019. Today, Jerry serves more than 3 million customers as a licensed insurance broker and an authorized auto refinance provider, while also offering free telematics-based driver safety and repair estimator services. The fastest, easiest and only automated way to compare and buy car insurance, Jerry gives you customized quotes from more than 55 insurance carriers in 45 seconds. Customers skip all the long forms and unwanted human interaction while Jerry hunts for better rates and completes the transaction, saving more than $800 per year. In 2022, Jerry launched its auto refinancing marketplace, which can help customers lower their monthly car payments, on average, by $118 dollars. Jerry is scaling its car insurance and auto refinance products and expanding its marketplace into new categories, removing friction from additional car ownership needs. Jerry will be the only app car owners need to manage all their car expenses. Headquartered in Palo Alto, the company has offices in Toronto, and Lockport, NY, and has removed physical location from recruiting restraints to attract talent.
    artificial-intelligence
    fintech
    insurance
  • Alpaca
    Alpaca (w2019)Active • 150 employees • San Mateo, CA, USA
    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. Alpaca’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.
    developer-tools
    fintech
    api
    investing
    infrastructure
  • Spenmo
    Spenmo (s2020)Active • 200 employees • Singapore
    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. Before 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.
    fintech
    saas
  • Clear
    Clear (s2014)Active • 900 employees • Bengaluru, Karnataka, India
    Our mission is to simplify finances, save money and time for millions of Indian businesses and people. We are a technology company that builds trusted, useful and insightful platforms for our clients to run their finances and improve their relationship with money.
  • 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
  • Aspire
    Aspire (w2018)Active • 500 employees • Singapore
    Aspire is the all-in-one finance operating system for businesses. We help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Our mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential. We 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.
    fintech
    saas
    payments
    b2b
  • Balance
    Balance (s2020)Active • 70 employees • San Francisco, CA, USA
    Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.
    payments
    b2b
  • Ledger Investing
    Ledger Investing (w2017)Active • 85 employees • United States
    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. The 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. Ledger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.
    fintech
    insurance
    investing
  • Delphia
    Delphia (w2018)Active • 35 employees • Toronto, ON, Canada
    [Delphia](https://delphia.com/) is building a new kind of asset manager that rethinks the value of data and how it can be used to gain an edge in forecasting markets. We believe that actively managing people’s data can unlock new forms of wealth creation for individual and institutional investors alike. To create the next [Millennium](https://www.mlp.com/) (and eventually, [Blackstone](https://www.blackstone.com/)), you need each of the following; 1. A captivating reason for people to connect their data ([in beta](https://abr.ge/k4xqep)) 2. A way to automate data extraction from aggregators ([acquired](https://www.prnewswire.com/news-releases/delphia-strengthens-data-rights-with-acquisition-of-fathom-privacy-301696745.html)) 3. A cooperative way to ensure "fair trade" compensation for data ([built](https://www.supersetdao.com/)) 4. A way to reward data contributors transparently and irreversibly ([on pause](https://www.coindesk.com/business/2022/09/28/algorithmic-stock-platform-delphia-debuts-digital-asset-component/)) 5. A way to discover investment managers with uncorrelated alpha ([open sourced](https://github.com/charliereese/investos)) 6. A way to help investment managers make use of our data advantage ([partnered](https://covariance.ai/)) 7. A way to access to stock order flow that has net benefit to retail investors (coming soon) 8. Capacity rights in investment strategies whose returns improve with data ([first of many](http://www.oraclealpha.com/)), and 9. A secure training environment for third-party ML models (the goal of our next venture round) If our thesis bears out, the $7 billion alternative data industry ([$135 billion by 2030](https://explodingtopics.com/blog/alternative-data-market)) may be in for a Cambrian explosion that has yet to be priced in. Being able to acquire ground truth cost-effectively using first-party data, and thus being able to forecast fundamentals more accurately, is the key to attracting the world's best investment ideas to a platform. People at Delphia are socially-minded creatives at heart. Our teams are continually researching, iterating, and solving hard problems in order to generate new forms of economic returns. Our multi-disciplinary team was founded in 2018 and is a graduate of [Y Combinator](https://ycombinator.com/) and the [Creative Destruction Lab](https://creativedestructionlab.com/). We’ve raised three rounds of funding ([~$80 million](https://www.crunchbase.com/organization/delphia)) to date.
    artificial-intelligence
    fintech
    machine-learning
    dao
  • 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
  • Ottimate
    Ottimate (s2015)Active • 120 employees • New York, NY, USA
    Plate IQ makes accounts payable simple. Automated 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.
    fintech
    finance
  • Drip Capital
    Drip Capital (s2015)Active • 280 employees • Mumbai, Maharashtra, India
    Drip is a digital trade finance startup. Trade finance is an age-old paper-based industry dominated by banks that focus on large, established corporate customers. Today, however, small businesses account for 40% of trade, but still remain neglected by banks. Drip is using technology to re-build core parts of the trade finance infrastructure and make the underwriting and financing of B2B transactions seamless for small businesses. Our mission is to level the playing field for small businesses and to finance their trade at the click of a button. Drip consists of experts in both finance and technology and has offices in Palo Alto and Mumbai. Drip is backed by top tier investors Accel, Sequoia, Wing, Initialized and Y Combinator.
    fintech
  • Nova Credit
    Nova Credit (s2016)Active • 100 employees • San Francisco, CA, USA
    Nova Credit is a consumer-permissioned credit bureau with two products that help businesses make more fair and informed decisions on millions of ‘thin file’, no credit history, or new-to-country applicants. The Credit Passport® unlocks cross-border credit bureau data to help businesses underwrite new-to-country newcomer populations. The Cash Atlas™ provides greater insight into the cash flows of any applicant, including verifying their income with greater precision than alternatives. Businesses use these products to approve more applicants without taking on more risk, and consumers are empowered to put their best foot forward in their applications. The company’s differentiated data sources and proprietary analytics are used by leading organizations like American Express, Verizon, HSBC, SoFi, and Yardi. 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. Learn more at www.novacredit.com or reach out to connect@novacredit.com.
    fintech
  • Karat Financial
    Karat Financial (w2020)Active • 40 employees • San Francisco, CA, USA
    We're building the one-stop shop for creator finances. Your 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. We’re building products that help creators spend less time worrying about finances so they can focus on creating.
    fintech
    entertainment
  • OkCredit
    OkCredit (s2018)Active • 70 employees • Bengaluru, Karnataka, India
    Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! The 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! OKCREDIT 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.
    finops
    fintech
    payments
    finance
    india
    smb
  • Fondeadora
    Fondeadora (w2020)Active • 160 employees • Mexico City, CDMX, Mexico
    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. Our 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. Join us in this magical mystical ride.
    fintech
    consumer-finance
  • 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
  • Atlas
    Atlas (w2019)Active • 23 employees • San Francisco, CA, USA
    The charge card with access to coveted experiences.
    fintech
  • BukuWarung
    BukuWarung (s2020)Active • 250 employees • Jakarta, Indonesia
    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. BukuWarung 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.
    fintech
    saas
  • 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
  • Compound
    Compound (s2019)Acquired • 51 employees • San Francisco, CA, USA
    Compound empowers people who work in tech to make better financial decisions so they have the freedom to focus on what matters most.
    fintech
  • Cashfree Payments
    Cashfree Payments (s2017)Active • 200 employees • Bengaluru, Karnataka, India
    Cashfree is a next-generation payments company for Indian businesses. Cashfree helps 50,000+ businesses collect and send money with solutions such as an easy to integrate payment gateway that supports instant settlements & refunds; Payouts - an API banking platform for bulk disbursals; a split payment solution for marketplaces; a Bank Account Verification API; a dedicated UPI stack for businesses and Auto Collect - a virtual account solution to match inbound payments to customers. It counts Xiaomi, Tencent, Zomato, Zoomcar, Cred, Club Factory, Shell, Google-backed Dunzo as well as donation platforms like Ketto and Milaap amongst its customers. Cashfree works with all leading banks to build the core payments and banking infrastructure that powers Cashfree’s products. Cashfree is also integrated with major platforms like Shopify, Wix, Paypal, Amazon Pay, Ola Money and Google Pay.
    payments
    india
  • Long Term Stock Exchange
    Long Term Stock Exchange (s2017)Active • 68 employees • San Francisco, CA, USA
    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. At 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. Eric 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.
    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
  • 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
  • SafetyWing
    SafetyWing (w2018)Active • 100 employees • San Francisco, CA, USA
    We are building a global safety net for nomads and remote teams. That includes health, disability and pensions, available globally.
    consumer-health-services
    insurance
    remote-work
  • Apto Payments
    Apto Payments (s2014)Acquired • 32 employees • San Francisco, CA, USA
    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.
    fintech
  • 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
  • Slash
    Slash (s2021)Active • 20 employees • San Francisco, CA, USA
    Slash lets anyone over the age of 13 create a business bank account without an LLC in less than 10 minutes. Our mission is to eliminate all the friction involved with starting and running business, and empower the next generation of entrepreneurs to build their own future in the process. Still in beta, thousands of young entrepreneurs that have side hustles reselling, flipping NFTs, and running e-commerce sites use Slash's tools to run their businesses. Slash is backed by NEA, Menlo Ventures, Stanford University, the founders of Tinder and Plaid, and other amazing angels and funds.
    fintech
    consumer
    e-commerce
  • Treinta
    Treinta (w2021)Active • 120 employees • Bogotá, Bogota, Colombia
    Treinta is a digital ledger app for Latin American microbusinesses with over 5 million users across 18 countries. Through Treinta, users can easily record transactions by assigning products from their inventory and see how their business metrics evolve in real time. Users can also access a B2B marketplace and digital payment solutions.
    fintech
    b2b
  • Wefunder
    Wefunder (w2013)Active • 35 employees • San Francisco, CA, USA
    We help everyone invest in startups that they care about. We 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.
    fintech
    investing
  • Nomba
    Nomba (w2017)Active • 200 employees • Lagos, Nigeria
    Nomba provides Banking and payment to 200k+ small business in Nigeria through point of sales solutions.
    fintech
  • Belvo
    Belvo (w2020)Active • 150 employees • São Paulo, State of São Paulo, Brazil
    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. Our 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.
    fintech
    saas
  • Moonshot Brands
    Moonshot Brands (w2021)Active • 35 employees • Miami, FL, USA
    Moonshot Brands is building the world’s largest - next-generation CPG (Consumer Product Goods) e-commerce company. We look for profitable e-commerce companies on Amazon or selling DTC on Shopify, purchase them from the founders giving them liquidity for their biggest asset, then turbocharge the growth with our proprietary data-driven technology platform and team. We scale e-commerce brands globally.
    e-commerce
  • PayMongo
    PayMongo (s2019)Active • 220 employees • Taguig, Metro Manila, Philippines
    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. We 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. Our investors include Founders Fund, Peter Thiel, Bedrock Capital and Stripe.
    fintech
  • 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
  • FamPay
    FamPay (s2019)Active • 24 employees • Bengaluru, Karnataka, India
    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.
    fintech
    payments
  • 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
  • Infinia
    Infinia (w2023)Active • 3 employees • Montevideo, Montevideo Department, Uruguay
    With over 70% of Latin Americans not having access to credit cards, alternative payment methods have become a key component. Infinia is enabling merchants to accept pay by bank payments in LATAM. Infinia founders are repeated founders that have experience in scaling companies. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR. We are building a fast and secure way for consumers to pay directly using their bank. Within a few months, we have already closed more than 48 customers, including large merchants and Payment service providers in 4 countries.
    fintech
    payments
    b2b
  • Hostfi
    Hostfi (s2022)Active • 2 employees • New York, NY, USA
    Manage property expenses, automate accounting, & open accounts all for no fees.
    neobank
  • Greenboard
    Greenboard (w2024)Active • 2 employees • Austin, TX, USA
    Greenboard lets financial firms manage employee tasks, archiving, content review, policies, calendars, document processing, training, and more—all in one AI-native, cloud-based operating system.
    fintech
    generative-ai
    b2b
    compliance
    regtech
  • Axle
    Axle (s2022)Active • 6 employees • New York, NY, USA
    Axle is Plaid for insurance - a universal API for insurance data. With Axle, companies can instantly verify insurance and monitor ongoing coverage, helping them reduce operational cost while creating a frictionless experience for users. Axle is backed by leading investors including Y Combinator and Gradient Ventures, Google's AI-focused venture fund, and angels from industry leaders like Plaid and Cox Automotive.
    developer-tools
    fintech
    b2b
    api
    insurance
  • NowPay
    NowPay (w2021)Active • 35 employees • Cairo, Cairo Governorate, Egypt
    NowPay, a FinTech startup founded by ex-employees of IBM, Microsoft, Orange and Amazon, is building a financial-wellness platform for employees in emerging markets. Saving, spending, budgeting and borrowing. Those are the 4 pillars of financial-wellness. NowPay aims to improve every aspect of those for employees by building products that tackle every vertical. NowPay enables employees to get their salaries in advance at any point in time during the month and also pay their bills instantly. NowPay is backed by 500 Startups, Beco Capital, Endure, Plug and Play, MSA Capital, 4dx, Foundation Ventures, EFG and Beltone and has raised 3.7m USD so far.
    banking-as-a-service
    fintech
  • 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
  • Numida
    Numida (w2022)Active • 115 employees • Kampala, Uganda
    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.
    fintech
    microinsurance
  • 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
  • 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
  • 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
  • Greenlite
    Greenlite (s2023)Active • 2 employees • San Francisco, CA, USA
    Greenlite builds AI agents for financial crime investigations. Fintechs and banks use Greenlite agents to automate workflows like suspicious activity investigations, entity due diligence and regulatory reporting.
    artificial-intelligence
    fintech
    payments
    b2b
    compliance
  • BharatX
    BharatX (w2022)Active • 9 employees • Bengaluru, Karnataka, India
    We enable brands to launch Credit-as-a-Feature in under 5 mins. They can simply use our Plugins or Copy-Paste style APIs and go live in under 5 minutes without worrying about how Credit Risk or Capital/Compliances etc will work. Simply connect with the BharatX platform and start disbursing Credit. Be it to enable a White-Labelled Pay Later option on Checkout or to give your Neobank's users a White-Labelled Instant Credit-Line option. You can enable it all, as fast as 5 mins! So next time you buy a course on Frontrow use "Frontrow Pay in 3" and while shopping offline, @Spenny's (YC) "Credit" feature to pay to Merchants Offline on UPI.
    fintech
    consumer
  • Paymobil
    Paymobil (w2020)Active • 2 employees • San Francisco, CA, USA
    Paymobil is a global bank account replacement using stablecoins. We make it possible to send money to any email or phone number in the world in seconds. We 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.
    fintech
    crypto-web3
  • Slicker
    Slicker (s2023)Active • 2 employees • London, UK
    Slicker is an AI-powered modular payments infrastructure for companies with a large number of payment processors. Merchants use Slicker to increase the number of successful transactions, reduce acquirer fees, and provide a better payment customer experience.
    saas
    payments
    analytics
    enterprise
    ai
  • Finary.com
    Finary.com (w2021)Active • 5 employees • Paris, France
    Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.
    fintech
    investing
    neobank
  • Levro
    Levro (s2021)Active • 12 employees • San Francisco, CA, USA
    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. If you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com
    fintech
    payments
    finance
    b2b
    international
  • Grain
    Grain (w2020)Active • 30 employees • Oakland, CA, USA
    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.
    fintech
  • 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
  • PrimeVault
    PrimeVault (s2022)Active • 3 employees • San Francisco, CA, USA
    PrimeVault is a deep-tech crypto infrastructure company that is dedicated to building innovative core tools that make on-chain participation and DeFi access convenient, efficient and secure for businesses and institutions of any size and scale. PrimeVault meshes cutting-edge cryptography (MPC and HE) with privacy-preserving Smart Contracts to offer powerful on-chain automations, programmable cross-chain wallets, comprehensive portfolio tracker, seamless CeDeFi interoperability with both on- and off-chain markets, and sophisticated risk mitigation solutions.
    defi
    saas
    crypto-web3
    b2b
    dao
  • Stack Wealth
    Stack Wealth (s2021)Active • 15 employees • Bengaluru, Karnataka, India
    Stack helps users to save for their life goals like retirement, marriage, education through low fees and globally diversified ETF portfolios in an effortless and automated manner. Savings can be set on autopilot by setting personalised rules such as 'round up' on transactions or 'set & forget'. Stack also helps the users to earn passive income as they spend through Stock reward on the Stack Card.
    fintech
  • Easyplan
    Easyplan (w2020)Active • 8 employees • Mumbai, Maharashtra, India
    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. We 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. Here’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. However, 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. We’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. In 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.
    fintech
    india
    investing
  • Lendtable
    Lendtable (s2020)Active • 20 employees • San Francisco, CA, USA
    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. Lendtable 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. Workers now have thousands of dollars more without putting any money down, and we make money helping them do so -- we win if they win.
    fintech
  • Pluto.markets
    Pluto.markets (w2022)Active • 4 employees • Copenhagen, Denmark
    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. For 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. We are on a mission to drive financial inclusion by bridging the innovation gap for the overlooked regions of the EU.
    fintech
    crypto-web3
  • 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
  • erad
    erad (s2022)Active • 5 employees • Riyadh Saudi Arabia
    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.
    fintech
    payments
    b2b
  • Bree
    Bree (s2021)Active • 2 employees • Vancouver, BC, Canada
    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.
    fintech
  • Cuanto
    Cuanto (w2019)Active • 13 employees • Panama City, Panama
    We are building the operating system to allow Latin American creators to live from the internet. We started by helping them instantly launch online to monetize their audience and sell over social media. Online creation is already mainstream in Latin America through the heavy use of social media and video streaming. We are building the platform to make online creation a viable career and social mobility option.
    fintech
    e-commerce
  • Eazipay Inc.
    Eazipay Inc. (w2022)Active • 8 employees • 105102, Lagos, Nigeria
    We are Gusto for Africa. Eazipay is a simple, 5-minute payroll payment solution for Africa. We have grown from 10 businesses in January to over 200 with over $5k MRR. Eazipay processes 8 payroll payment types (Taxes, Pension, Insurances, etc) with just one-click and with our own payment infrastructure. Eazipay Payroll APIs are also available for neobanks and commercial banks - to reach at least 50k businesses.
    fintech
    payments
    payroll
  • 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
  • Cambio
    Cambio (s2022)Active • 4 employees • Chicago, IL, USA
    Cambio is a mobile app that helps financially responsible consumers with credit recovery. We do this by identifying hurtful items from their credit report. Then fix errors on their credit report, settle and remove bad debt to increase members credit scores. Finally, we identify members who are at a turning point in their financial recovery, even if their credit scores don't yet reflect it. This enables us to offer opportunities to refinance high-interest auto loans, purchase their first home, and provide insurance services to meet their needs. 7 in 10 members see their scores increase in the first 30 days, with an average increase of 32 points.
    artificial-intelligence
    fintech
    consumer
    social
    ai-assistant
  • 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
  • Soteris
    Soteris (s2019)Active • 4 employees • San Francisco, CA, USA
    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.
    fintech
    machine-learning
    ai
  • Pantore Pay
    Pantore Pay (w2022)Active • 25 employees • São Paulo, State of São Paulo, Brazil
    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.
    fintech
    lending