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

April 2024

Browse 47 of the top Financial Technology and Services startups funded by Y Combinator. Headquartered in New York, these are some of the hottest and fastest-growing startups.

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

  • 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
  • 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 • 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
  • Kalshi
    Kalshi (w2019)Active • 50 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
  • 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
  • Atlas
    Atlas (w2019)Active • 23 employees • San Francisco, CA, USA
    The charge card with access to coveted experiences.
    fintech
  • 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
  • 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
  • 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
  • OneChronos
    OneChronos (s2016)Active • 20 employees • New York, NY, USA
    OneChronos is a U.S. equities ATS designed bottom-up to fundamentally address the growing gap between how trading venues match orders and how traders need to execute.
    fintech
    marketplace
    ai
  • 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
  • Tola
    Tola (w2022)Active • 12 employees • San Francisco, CA, USA
    Tola is the simple tool for SMBs to pay bills and get paid. On top of that, we help companies better manage their cashflow by allowing them to buy now and pay later expensive bills in exchange for a small fee.
    fintech
    saas
  • Aer
    Aer (s2021)Active • 18 employees • New York, NY, USA
    Aer Compliance is Rippling for compliance, combining Code of Ethics, marketing, calendars, filings, workflows, and more in a single place.
    fintech
    b2b
    regtech
  • Hostfi
    Hostfi (s2022)Active • 2 employees • New York, NY, USA
    Manage property expenses, automate accounting, & open accounts all for no fees.
    neobank
  • Upsolve
    Upsolve (w2019)Active • 5 employees • New York, NY, USA
    Upsolve aims to rehabilitate the 20M low-income people in America buried in debt from medical bills, job loss, and payday loans. Upsolve does this through the first TurboTax for [Chapter 7 bankruptcy](https://upsolve.org/learn/should-i-file-for-chapter-7-bankruptcy/). Bankruptcy is a lifeline for low-income people, but it's impossible for millions to access because they can't afford $2,000 for a lawyer.
    nonprofit
    legaltech
  • Arpari
    Arpari (w2022)Active • 6 employees • New York, NY, USA
    Treasury management platform built for commercial real estate. Seamlessly consolidate portfolio finances and manage financial operations from a single dashboard.
    fintech
    saas
    real-estate
    proptech
    neobank
  • Attack Capital
    Attack Capital (w2022)Active • 5 employees • New York, NY, USA
    Our mission is to index the private market for the retail investor. We will create a family of exchange traded funds that once publicly listed, will enable anyone with a brokerage account to invest in portfolios of private companies — by industry, location and institutional backer. Our flagship ticker, YCTC, will include the Y-Combinator Companies each valued over $150 million. Like an S&P 500 and Nasdaq 100 but for Top YC companies. Now, you can index the #1 seed investor in the world right from your brokerage account.
    fintech
    investing
    consumer-finance
  • FlyCode
    FlyCode (s2022)Active • 7 employees • Boston, MA, USA
    FlyCode Dunning & Payment Management AI that helps subscription merchants maximize revenue. We reduce passive churn by managing payment failures intelligently. We’re Jake, Etai, and TD and we’re building FlyCode. TL;DR: If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn. ‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses ❌ THE PROBLEM: Recovering Failed Payments is Complex Involuntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed. 💰 Bottom line? Effective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10% FLYCODE SOLUTION 💡 FlyCode leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results. ⚡️Automatically recover failed subscription payments and reduce passive churn ⚡️Use ML & AI based payment optimization to find the best time to charge your customers ⚡️ Improve customer experience by coordinating payment retries with customer emails/SMS 🛠️ We support OOTB + Custom Integrations for Merchants and White-Label for Platforms
    fintech
    payments
    e-commerce
    subscriptions
    ai
  • Fynn
    Fynn (s2019)Active • 26 employees • New York, NY, USA
    Fynn helps people afford trade school in the US. We bring fair and affordable private loans to the trade space, to help students pursue in-demand careers like electricians, nurses, welders, or pharmacists.
    education
    fintech
  • Fuse
    Fuse (w2019)Active • 7 employees • New York, NY, USA
    Fuse provides single API that integrates with multiple bank connection vendors, such as Plaid, MX, Teller, Finicity and Yodlee. Users can easily search for and select their bank via a drop-in component in your app, and then the most reliable bank connection vendor for that bank will be displayed. Fuse also provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you. By using Fuse, companies can improve the reliability of bank connections, reduce disconnections, and support more banks.
    fintech
    saas
    b2b
  • Gerald Technologies, Inc
    Gerald Technologies, Inc (w2021)Active • 12 employees • New York, NY, USA
    Gerald is on a mission to eliminate stress about paying bills. We are transforming bill payments by providing consumers with an application for linking and automatically paying their household bills while offering overdraft and late fee protection for all their biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.
    fintech
    saas
    payments
    consumer
    neobank
  • 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
  • Stream
    Stream (s2022)Active • 5 employees • New York, NY, USA
    Stream enables insurance and adjacent professionals such as lawyers, nurses, and claim adjusters to review medical documents faster and better than ever before.
    fintech
    saas
    b2b
    insurance
  • Magna
    Magna (w2022)Active • 18 employees • New York, NY, USA
    Magna is building a platform to turn DeFi investments into financial primitives. Our first product is Carta for Web3, where companies can manage their cap tables and distribute their token equity to employees, advisors, or investors. We’re also building investor infrastructure for institutions to custody investments with on-chain execution and intelligence. Our ultimate goal is to use locked tokens as composable building blocks to power collateralized lending, liquid secondary markets, and other DeFi applications. Launching a token? Let's chat. Are you receiving tokens from your investments? We can also be helpful. What are our companies saying about the problem? > Having it all bundled together would make life easier. We have a million things to do. If you have an off-the-shelf thing, we’d use it. > This wouldn’t be a nice to have, it’d be a have to have. > Terrible process. We’re manually sending out transactions, going to solscan and manually check that they received our token. Takes hours every week. > Everything we do is potentially very dangerous. We have to check it thoroughly. I’ve spent several hours a day on this since launch. I imagine every month, it’ll take us at least 1-2 days. > Manual process every month for the ops team. They likely burn a week.... every month to pay out 150+ addresses.
    defi
    dao
  • Upflow
    Upflow (w2020)Active • 70 employees • New York, NY, USA
    Upflow is building high-quality software to help mid-market B2B companies improve their cash collection and grow profitably. B2B payment remains super painful for both suppliers and customers in 2023. Through a one-click integration with major financial software (Netsuite, Sage Intacct, Quickbooks) it provides finance and business teams with: 1. A better understanding of their cash collection performance through powerful analytics 2. An intuitive platform for all teams (finance, sales, success) to collaborate around cash collection, turning archaic spreadsheet processes into systematic, personalized cash collection processes. 3. A platform to bring modern payment methods to customers and recreate a consumer-like checkout experience with one click payment. Overall, Upflow drastically improve cash collection rates and turn revenues into cash in the bank faster, simpler. The best B2B tech companies, such as Front, Lattice, ProductBoard, rely on Upflow to manage their cash collection. If you're a CFO, Controller, or Finance Ops, check out our free Discover product to run an audit of your cash collection in 5 min: https://insights.upflow.io/en/discover-upflow
    fintech
    saas
  • Path
    Path (s2019)Active • 12 employees • New York, NY, USA
    Path gives you a money manager who: - gets you money for college - builds your credit with a debit card - gives you a savings account that pays you 5% interest - helps you make more money and makes sure you don’t f**k up your financial future in your 20’s all for $20/mo
    education
    fintech
    crypto-web3
  • Dripos
    Dripos (s2020)Active • 18 employees • New York, NY, USA
    Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.
    fintech
    saas
  • Repool
    Repool (s2021)Active • 11 employees • New York, NY, USA
    Repool makes it easy to launch and operate private funds, like Carta for hedge funds. We're building the modern operating system for emerging managers and democratizing access to talented retail and professional investors alike.
    fintech
    saas
  • Aqua
    Aqua (s2021)Active • 6 employees • New York, NY, USA
    An end-to-end platform that allows financial advisors to put their clients into curated alternative assets without additional operational lift.
    fintech
    finance
    investing
    investments
  • Nophin
    Nophin (w2022)Active • 8 employees • New York, NY, USA
    Nophin helps commercial real estate investors make sophisticated underwriting decisions faster with an AI copilot.
    fintech
    proptech
  • Chariot
    Chariot (s2022)Active • 10 employees • New York, NY, USA
    Chariot’s a payment option that nonprofits can add to their website, allowing donors to ‘one-click’ give with their Donor Advised Fund. Chariot enables this by creating a network connecting Donor Advised Funds and nonprofits. Charities add our “Pay with DAF” widget to their website/payment page. Donors click the button, log in to their DAF account, and make a payment in 3 clicks. A donor-advised fund (DAF) is a specialized financial account used for the purpose of charitable giving. It allows donors to make a charitable contribution, receive an immediate tax deduction, and then recommend grants (that become donations) to 501(c)3 charities over time.
    payments
    nonprofit
  • Stock Unlock
    Stock Unlock (w2022)Active • 6 employees • New York, NY, USA
    Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.
    fintech
    saas
    finance
    investing
  • Tranch
    Tranch (s2022)Active • 10 employees • London, UK
    Tranch is the modern approach for businesses to be paid upfront, faster and easier. We are the only B2B checkout to offer Pay Now and Pay Later up to 12 months for invoices across the Services sector. We enable Services (law firms, design agencies, etc), software and marketplaces to be paid quicker, upfront and offer their customers flexible payment options including Pay Now and Pay Later from 2 to 12 months. By offering a ‘Pay with Tranch’ checkout businesses can offer a fast and easy way for their end-customers to pay for invoices on their terms. Tranch is backed by leading investors including; Global Founders Capital, Soma Capital, FoundersX and Y Combinator.
    fintech
    saas
  • Novel
    Novel (s2020)Active • 15 employees • Minneapolis, MN, USA
    With Novel, international founders can get a U.S. business bank account, multi-currency wallets, global transfers in 140+ currencies, and more all in a single place.
    fintech
    saas
  • 8vdX
    8vdX (w2022)Active • 6 employees • Norwalk, CT, USA
    8vdX is an intelligent vertical fundraising software stack for early-stage startups and investors. It provides a CRM with AI-powered pipeline management, performance monitoring tools, and a collaborative data room connected to a venture marketplace. 8vdx has invested in 90+ YC startups through its demo day funds.
    artificial-intelligence
    fintech
    marketplace
    saas
  • Railbird
    Railbird (w2022)Active • 8 employees • New York, NY, USA
    At Railbird, we are building a futures exchange designed to hedge and mitigate risk for the services sector. The Railbird team has years of experience analyzing companies in the service sector and has seen firsthand how little opportunity there is to hedge risk in volatile markets like hospitality, tourism, recreation, entertainment, and sports. The platform is designed to be open to all traders.
    fintech
    marketplace
  • Blee
    Blee (s2022)Active • 6 employees • New York, NY, USA
    Blee easily integrates across the content creation workflow, combining instant feedback and faster approvals with scalable review and recordkeeping. Helping companies maximize revenue by moving faster to market while minimizing risk
    artificial-intelligence
    fintech
    legaltech
  • R2
    R2 (w2021)Active • 60 employees • Mexico City, CDMX, Mexico
    R2 enables platforms to seamlessly offer capital to their SMB customers in Latin America
    fintech
    b2b
  • Haven
    Haven (w2020)Active • 7 employees • New York, NY, USA
    Haven is re-imagining the $11 trillion U.S. mortgage industry, with a focus on engaging the 53 million homeowners with a mortgage. The incumbent technologies used by mortgage lenders and servicers are decades old, and the borrowers who are served by them increasingly demand modern digital experiences and frictionless financial products throughout the home journey. Haven’s mission is to deliver them at a transformational scale, and to improve lives in one of the world’s largest asset classes. The company is well capitalized and backed by top fintech and mortgage venture funds and led by seasoned veterans of tech startups and financial marketplaces.
    fintech
    proptech
  • 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
  • PolicyFly
    PolicyFly (w2022)Active • 15 employees • New York, NY, USA
    PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks. Every year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. We bring growth, efficiency and transparency to otherwise hard to insure markets.
    marketplace
    insurance
  • Arthena
    Arthena (w2017)Acquired • 12 employees • New York, NY, USA
    Arthena is a financial product that gives you access to the alternative asset class with the highest barrier to entry and strongest historical returns. We invest in the most liquid segment of the art market, with the lowest volatility, yielding tremendous growth uncorrelated to traditional investments. Arthena’s automated and data driven investment strategy regulates art investment by building traditional fund structures. HNWI’s can now securely and confidently diversify their portfolios into alternative assets focusing on the luxury market. Arthena has designed and built a statistically rigorous model that estimates the value of artwork over time. Since the data we obtain derives from auction records and repeat sales, our model relies on a set of features about each result. These features include include the artist’s name, medium, date of creation, origin of location and size of work. After identifying groups of work that are similar to each other, we calculate the expected ROI and estimated volatility based on the distribution of gains. Using historical auction results to simulate the performance of our funds, we leverage Monte Carlo analysis to determine annualized returns and sharpe ratios. Based on this analysis, Arthena can validate the financial viability of our product and establish statistically rigorous bounds for these estimates.
    investing
  • Sable
    Sable (s2019)Acquired • 12 employees • New York, NY, USA
    Sable is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. Newcomers to the U.S. can open a Sable account within five minutes, and start building their U.S. credit history from day 1, all without the need of an SSN or prior U.S. credit history. The Sable app is available on iOS and Android.
    fintech
  • Catch
    Catch (w2019)Acquired • 18 employees • New York, NY, USA
    Catch makes it easy for anyone who doesn't get benefits from an employer to set up and manage their own benefits package. We automatically withhold from each paycheck for tax withholding, time off, savings and retirement. We also help you find and enroll in the right health insurance plan and keep your premium payments on track. By connecting to your existing bank account, we monitor when you get paid, and act on a plan that can help keep you covered no matter what life throws at you.
    fintech
    consumer
    health-insurance