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

May 2024

Browse 100 of the top Financial Technology and Services startups funded by Y Combinator. Headquartered in San Francisco, 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.

  • 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
  • Brex
    Brex (w2017)Active • 1,000 employees • San Francisco, CA, USA
    Brex is the AI-powered spend platform for modern companies, from startups to enterprises. Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Special events and masterclasses for founders - Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.
    fintech
  • Newfront
    Newfront (w2018)Active • 800 employees • San Francisco, CA, USA
    Newfront is transforming the delivery of risk management, employee experience, insurance, and retirement solutions by building the modern insurance platform. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. Headquartered in San Francisco, Newfront has offices throughout the country and is home to more than 850 employees who serve clients across the United States and globally.
    fintech
    insurance
  • Stripe
    Stripe (s2009)Active • 7,000 employees • San Francisco, CA, USA
    Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.
    banking-as-a-service
    fintech
    saas
  • 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
  • Cheqout
    Cheqout (w2021)Active • 6 employees • San Francisco, CA, USA
    Cheqout is a mobile POS for brick & mortar businesses that allows waiters and retail workers to take or accept orders & payments. You can think of it as a hybrid of the Apple Store and WeChat Pay, with both staff and customers using their own devices to facilitate the transaction through QR codes.
    payments
  • 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
  • Keeper
    Keeper (w2019)Active • 23 employees • San Francisco, CA, USA
    Keeper is delightfully smart tax software, especially for people with 1099 contracting & freelance income. Connect your bank to automatically uncover hidden tax breaks!
    fintech
    consumer
  • Courtyard.io
    Courtyard.io (w2022)Active • 13 employees • San Francisco, CA, USA
    Courtyard stores physical collectibles (trading cards, sneakers, watches, etc.) in secured vaults, creates a 3D representation of the asset and mints it as an NFT on the blockchain. We’ve partnered with one of the largest security companies in the world to store collectibles. Once the physical collectible has been received and tokenized by Courtyard, users can: - Trade their NFT on any Ethereum compatible marketplace - Hold their valued collections as NFTs and connect with other collectors - Burn their NFT on Courtyard’s website to redeem the underlying asset (Courtyard will ship redeemed collectibles in 150+ countries).
    marketplace
    nft
  • 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
  • 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
  • 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
  • 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
  • Safepay
    Safepay (s2020)Active • 4 employees • San Francisco, CA, USA
    Safepay provides a single integrated payments solution that interoperates with local and international payment options. Our current focus is to serve businesses and individuals in Pakistan and neighboring economies.
    developer-tools
    fintech
  • Bloom
    Bloom (w2021)Active • 8 employees • New York, NY, USA
    Bloom's mission is to improve the financial outcomes of all Americans by giving them the knowledge and tools they need to achieve prosperity. Our first product is an investing app that teaches users how to build wealth through interactive financial lessons, a gamified rewards economy as well as an investing account designed for building long-term wealth. Since launching in April 2022, over 1 million users have joined Bloom and we have crossed $3MM in annual recurring revenue.
    education
    fintech
    edtech
  • Hedgehog
    Hedgehog (s2021)Active • 5 employees • San Jose, CA, USA
    Hedgehog is a crypto robo-adviser that manages your funds in broad baskets of digital assets covering up to 85% of crypto's market cap. We already have 15k users monitoring $176m in crypto assets and over $548k in GTV on our V1 product, we have completed our exit interview with the SEC as of 4/24, and our custodial product is now live in the App Store and Google Play.
    defi
    fintech
    crypto-web3
  • SafeButler
    SafeButler (s2017)Active • 2 employees • Palo Alto, CA, USA
    SafeButler is a free comparison tool that searches hundreds of insurance websites at once to find the information you need to make the right decisions on insurance
    fintech
    insurance
  • Theorem
    Theorem (w2014)Active • 34 employees • San Francisco, CA, USA
    Theorem conducts independent underwriting of consumer loans originated by banks, credit cards companies and other lenders. We utilize this information to manage institutional capital and securitize loans
    fintech
    machine-learning
  • Arc
    Arc (w2022)Active • 40 employees • San Francisco, CA, USA
    Arc empowers startups with a better banking experience. With Arc, you can store deposits, schedule and manage payments, diversify cash across asset classes, and access non-dilutive financing all in one place. Arc is based in San Francisco and is funded by Left Lane Capital, NFX, Bain Capital Ventures, Clocktower Technology Ventures, Torch Capital, and Y Combinator, among others. To learn more, visit www.arc.tech.
    fintech
    saas
    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
  • 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
  • JoinSub
    JoinSub (w2021)Active • 8 employees • Delhi, India
    We, at JoinSub, are empowering the Indian small and medium retailers to drive repeat purchases & maximize their revenue by building a subscription-based model. India has over 14 million retail outlets, and we are poised to revolutionize the Retail Sector and enhance the buying experience both for retailers and consumers. We are dedicated to co-creating a community of futuristic retailers who are ready to embrace tech for growth. Our Subscription Programs work wonderfully for everyone who is looking to drive repurchases, right from those in the F&B industry, to Salons, Nail Salons, Spas, Gyms, Yoga & Dance Studios, Coffee Shops, Bakeries, Dry Cleaners, Florists, etc. We can help you delight your consumers and accelerate your business, the JoinSub Way!
    fintech
    b2b
    subscriptions
  • Billforward (s2014)Active • 8 employees • San Francisco, CA, USA
    San Francisco-based BillForward a YCombinator company is comprised of talented and passionate folks who are excited by the challenges and opportunities of subscription billing. We offer a flexible and innovative billing platform, which gives any type of recurring-payment based businesses the ability to bill customers for sophisticated products and carry out in-depth revenue analysis. Launched in Jan 2013 the platform has already gained great traction in the Telecoms, SaaS, Product as Service and Platform as a Service industries, where product managers and CFO’s have realized that the ability to change their offering in hours, rather than weeks, can give them an edge on the competition.
    analytics
    subscriptions
  • 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
  • Seis
    Seis (w2022)Active • 17 employees • San Francisco, CA, USA
    Today we're the easiest way for our customers to get a bank account. Tomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. Our mission is to treat our customers as 1st class citizens and *end dial #2 for español*
    fintech
    consumer-finance
    neobank
  • Tint
    Tint (w2021)Active • 40 employees • San Francisco, CA, USA
    Tint makes it easy for tech platforms to embed insurance into their products. For example, when you go to Outdoorsy to rent an RV, the insurance that is sold with the rental is powered by our technology. Our product provides anything that is needed from underwriting software to access to insurers to compliance, in a simple API.
    artificial-intelligence
    developer-tools
    fintech
  • 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
  • BlueHill Payments
    BlueHill Payments (s2022)Active • 2 employees • San Francisco, CA, USA
    BlueHill is like a marketplace for payment processors. Our product is an intelligent gateway routing platform that automatically reduces transaction fees on everyday credit card transactions by routing transactions to different gateways based on a variety of parameters. This allows merchants to get access to a wider variety of alternative payment methods while lowering their fees, improving transaction clearance rate all while still getting lower processing rates.
    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
  • Legalist
    Legalist (s2016)Active • 40 employees • San Francisco, CA, USA
    Asset management firm that specializes in esoteric private credit assets in litigation and bankruptcy
    fintech
    legaltech
  • Numero
    Numero (w2019)Active • 14 employees • San Francisco, CA, USA
    On January 3, 2019, we launched Numero. We didn’t have customers. We didn’t even have code. But we did have an idea: what if we could build financial software that powers our democracy? Running for office is hard work – the outdated software that runs campaigns makes it even harder. We believe it doesn’t have to be that way. That’s why we built Numero, a modern financial platform that Democratic elected officials and candidates at all levels of public office can use to manage the $24 billion in contributions to political campaigns. Our core product is a CRM software suite that includes a native mobile app, payment processor, referral tracker, and event management system to keep donations, pledges, and donors organized in a single place. We also just launched Electables – a grassroots fundraising platform enabling campaigns to reward their donors with unique digital collectibles. Every product we build saves our clients hours of work every week either via automation, smarter data processing, or even simply better UX. We also always build an embedded fintech component (e.g. we process payments on behalf of our clients) so that we earn revenue with every dollar our clients raise. Our mission is to change that painful process and liberate hard-working candidates, campaign staff, and volunteers, letting them focus on their most important work: talking with voters and representing their constituents in their communities. Since our founding, we've served over 1,000 clients at every level from city council to US Senate (who have collectively managed $2B+ of contributions on our platform). And there’s much more room for us to grow. The US has more than 500,000 elected officials, and many more candidates run for office at all levels of government.
    fintech
    saas
  • Finley
    Finley (w2021)Active • 32 employees • San Francisco, CA, USA
    Finley simplifies debt capital raise and management. Our software helps companies like Ramp, Arc and Parafin automate due diligence, ensure compliance, and streamline ongoing reporting with their capital providers. Our team brings experience from Goldman Sachs, Nova Credit, and Palantir Technologies, and is backed by Y Combinator and Bain Capital Ventures.
    fintech
    saas
    enterprise
  • Parker
    Parker (w2019)Active • 10 employees • San Francisco, CA, USA
    Parker is a digital bank.
    banking-as-a-service
    fintech
  • Hapi
    Hapi (w2021)Active • 22 employees • San Francisco, CA, USA
    Hapi democratizes investing for consumers in Latin America. We let anyone from 15 Latam countries easily start learning and investing in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.
    fintech
  • Purpose Finance
    Purpose Finance (w2021)Active • 3 employees • San Francisco, CA, USA
    We help our users align their money with their values by giving actionable environmental, social and governance data about the companies that they shop at. And we keep it fun with perks and rewards.
    fintech
  • AI Insurance
    AI Insurance (w2019)Active • 10 employees • San Francisco, CA, USA
    AI Insurance is the platform that small-to-midsize insurance companies use to run every part of their business. Before we showed up, they used spreadsheets and filing cabinets – wasting as much as 60% of revenue on administrative expenses. We’re doing what Salesforce did for SMB sales teams, but we’re tapping into the over 10,000 insurance companies that waste $238 Billion dollars annually.
    artificial-intelligence
    insurance
  • Goodcover
    Goodcover (s2017)Active • 4 employees • San Francisco, CA, USA
    Goodcover provides its Members with Good Renters Insurance for 50% less than legacy companies and an Annual Dividend of the money left over after claims obligations are met. Goodcover is a Managing General Agent (MGA) that administers personal insurance on behalf of our Membership, a bit like how USAA does it. Member's premiums are pooled and used to pay claims. We take a fixed fee, and the remainder is returned in our Annual Member Dividend. We work with multi-billion dollar capital partners to ensure regulations are followed, adequate claims capital is always available, and we have emergency capacity for catastrophes. Technology allows us to eliminate waste, saving roughly 25% of the cost. We are 100% digital, but not bots - we invest in tech that enables our experts to help Members. As an Invitation Only Membership served by an MGA, **we can give Members Free Insurance** when they invite others, turning our "Marketing Budget" into savings for Members. This eliminates Lizards and Sales Agents, saving the other 25%. We do not use the standard industry models, instead using a multiperil model to more granularly price risk. This means that for a few of you we are more expensive... but everyone else pays much less than they would otherwise pay. Our granular, multiperil model allows us to offer a superior policy over the standard market including: - coverage for if your place is flooded by a neighbor - Replacement Cost Coverage (meaning new stuff for your old) - All Risk coverage for high value items you tell us about - including computers (almost no one does that amazingly) - added coverage for mold removal Our MGA business model allows us to be capital efficient, "renting" capacity as we need it. All this adds up to our government approved pricing being 40-60% cheaper on average than that of our competitors.
    fintech
    insurance
  • 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
  • Sivo
    Sivo (w2021)Active • 15 employees • San Francisco, CA, USA
    Sivo provides debt as a service. Our API and risk protocol allows fintechs, neobanks, and gig platforms to lend money to their users, at scale, without having to raise debt which can take up to two years. You can think of us as Stripe for Debt. We started 6 months ago, in March signed a $100m debt capital partnership, and will be launching our API in April. We already have more than 100 companies in our customer pipeline including Uber.  We’ve been able to move so quickly because we are a team with previous exits and decades of experience in risk, debt, and enterprise software for companies including Goldman Sachs, Revolut, NASA, McKinsey and Citigroup.
    artificial-intelligence
    fintech
  • Mentum
    Mentum (s2021)Active • 9 employees • San Francisco, CA, USA
    Trusted by multi-family offices and wealth managers, Mentum simplifies the process of connecting data from any onshore and offshore bank, broker-dealer, or custodian to any system. With our platform, wealth managers can effortlessly centralize all their clients' financial information, regardless of the source or format, and access insights powered by artificial intelligence.
    saas
  • GuruHotel
    GuruHotel (w2020)Active • 50 employees • Mexico City, CDMX, Mexico
    GuruHotel is Shopify for the hotel industry. Independent hotels use our software to rebuild their hotel website, drive more direct bookings from online travel agencies (OTAs), and generate 30% more revenue. We have decades of experience building products and leading companies in the hotel industry, including founding and selling LastRoom, the HotelTonight for LATAM. That’s where we learned that 73% of people who find a hotel room on Booking.com or Expedia also check the hotel website to see if the price is cheaper. Independent hotels are missing these opportunities because they haven’t figured out that they should offer extras, discounts, and better user experience in order to drive bookings on their websites to avoid paying 15-25% commissions to OTAs. We help them automate all of this. Why now - Shopify did this for e-commerce allowing them to pull their content from Amazon - we will do this for hotels allowing them to gain freedom from Booking and Expedia.
    fintech
    saas
    b2b
    travel
  • Cashmere
    Cashmere (w2022)Active • 3 employees • San Francisco, CA, USA
    Cashmere is a multisig solana wallet for enterprises to manage their digital assets. Instead of running their business from one person’s wallet, startups can use our wallet to securely manage their funds.
    defi
    crypto-web3
    dao
  • 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
  • Prodigal
    Prodigal (s2018)Active • 65 employees • Mountain View, CA, USA
    Prodigal is a pioneer of Consumer Finance Intelligence, a new category of AI software that derives actionable insights from customer and patient interactions. Lenders and healthcare providers rely on Prodigal to boost profits, customer experience, and compliance by optimizing operations and quality assurance in their loan servicing and collection contact centers.  Prodigal’s global team, whose backgrounds intersect at financial services and data science, is headquartered in Mountain View, California. Backed by technical and industry experts, Prodigal’s mission is to build the intelligence layer that powers Consumer Finance, becoming the next iconic vertical SaaS company. Nearly one in five U.S. borrowers have already engaged with Prodigal over more than 200 million interactions.
    fintech
    saas
  • Mudrex
    Mudrex (w2019)Active • 11 employees • Mountain View, CA, USA
    Mudrex is on a mission to bring risk optimised high yield investments to everyone. Sophisticated high yield investments like hedge funds have been accessible only to richest. With a novel approach, we help average investors invest like a hedge fund.
    fintech
    crypto-web3
  • Alma
    Alma (s2022)Active • Seattle, WA, USA
    fintech
    payments
    gaming
    consumer-finance
    neobank
  • OWNY
    OWNY (s2018)Active • 10 employees • Palo Alto, CA, USA
    Owny provides businesses with a turn-key portal to issue Funds, SAFEs and Notes. Your portal is fully equipped to manage investors, treasury, multi-currency accounts and ability to send and request ACH/Wire payments globally. Optional features include seamless crypto custody and solutions through Coinbase Institutional.
    banking-as-a-service
    fintech
    crypto-web3
    ai
  • Prelim
    Prelim (s2017)Active • 19 employees • San Francisco, CA, USA
    At Prelim, we are on a mission to revolutionize the way financial institutions onboard new customers. We believe that the customer onboarding process should be fast, efficient, and user-friendly. As a member of our team, you will have the opportunity to work with cutting-edge technology and make a real impact on the financial industry. Our no-code platform allows banks and financial institutions to digitize their services, streamline account opening processes, and improve customer experience. By joining our team, you will be a part of a fast-paced, innovative, and dynamic work environment where you can learn and grow your skills. Our team is made up of a diverse group of individuals with a wide range of experience and expertise. We value collaboration, creativity, and a passion for problem-solving. As a member of our team, you will have the opportunity to work with experts in the field, and be challenged to think outside the box. In addition, we offer a comprehensive benefits package, flexible working hours, and a great work-life balance. We are constantly evolving and growing, and we are looking for talented individuals who share our vision and are excited to be a part of our journey. If you're passionate about fintech and want to be a part of a team that is making a real impact in the industry, then Prelim is the place for you.
    banking-as-a-service
    fintech
    dao
  • 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
  • Afriex
    Afriex (s2020)Active • 2 employees • San Francisco, CA, USA
    Afriex makes it easy for immigrants to send money home. We offer instant, no-fee remittances to over 7 countries around the world.
    payments
    remittances
  • True Link
    True Link (s2013)Active • 100 employees • San Francisco, CA, USA
    True Link exists to provide life-changing financial solutions for people with complex needs and the people who care for them. We founded the company to make life better for our own loved ones, and we’re honored to serve vulnerable elders, people with disabilities, and people in recovery – and their families and professional caregivers – day in and day out. We’re a caring, diverse, values-driven company, with customers who say things like, “Your company saved my marriage,” “If not for True Link my Son would have returned to substance use,” and “This is the single best product I have ever experienced.” We’re a fast-growing fintech startup that also gets to provide our customers a life-changing solution to some of the most deeply personal, important problems in their lives.
    fintech
  • Modernbanc
    Modernbanc (w2020)Active • 6 employees • San Francisco, CA, USA
    One platform, one financial system of record, Store, search and encrypt your data, manage accounting and payments in one place.
    fintech
    b2b
    infrastructure
  • AiPrise
    AiPrise (s2022)Active • 14 employees • Santa Clara, CA, USA
    AiPrise allows fintech companies to integrate with multiple identity vendors through a single platform. Companies like Amal Invest use us to integrate with local vendors and comply with regulations in over 100 countries.
    fintech
    b2b
    identity
    compliance
    regtech
  • 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
  • FundersClub
    FundersClub (s2012)Active • 5 employees • San Francisco, CA, USA
    FundersClub discovers, funds, and supports the world's best technology startups. FundersClub created the first online venture capital platform and invests starting at Seed, following on through Growth. The portfolio includes Coinbase, Instacart, Webflow, GitLab, Flexport, Rippling, and other category-defining companies.
    fintech
    marketplace
  • Plover Parametrics
    Plover Parametrics (w2022)Active • 6 employees • New York, NY, USA
    The insurance industry struggles to insure new risks like climate change. The amount of climate risk that goes uninsured every year is $180 billion and growing. Plover's software platform enables insurers to design new insurance products quicker and manage policies cheaper, unlocking new risk markets and geographies. Plover's team previously worked together at Palantir, handling data infrastructure for the US Department of Defense.
  • VaultPay
    VaultPay (s2023)Active • 2 employees • Kinshasa, Democratic Republic of the Congo
    VaultPay is a platform enabling financial institutions to transform local businesses into bank agents. Imagine a grocery store in a remote African mining region. Instead of miners traveling far to a bank to get their salary, with VaultPay, they can access their earnings and shop at the same store, boosting convenience for customers and cutting costs for banks.
    fintech
    saas
    payments
    b2b
    infrastructure
  • 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.
    fintech
    insurance
  • Slope
    Slope (s2021)Active • 16 employees • San Francisco, CA, USA
    Accept and reconcile B2B payments seamlessly.
    artificial-intelligence
    fintech
    machine-learning
    payments
    fraud-detection
  • Dapi
    Dapi (w2020)Active • 20 employees • San Francisco, CA, USA
    Dapi is a developer platform designed for fintech and web3 companies. We build APIs for universal open banking, enabling seamless connections to any bank in the world, and provide seamless stablecoin on/off ramps. Dapi is dedicated to building the next generation of global financial infrastructure, empowering developers to easily connect to banks, move, and store money globally.
    fintech
  • CheqUPI
    CheqUPI (s2023)Active • 15 employees • Bengaluru, Karnataka, India
    Cheq is a modern UPI payments app for NRIs and international citizens visiting India. Using Cheq, you can pay digitally at over 55mn+ merchants across India. We help tourists avoid ATMs and minimize their foreign exchange costs while in India.
    fintech
    payments
    india
    consumer-finance
  • 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
  • OneText
    OneText (w2023)Active • 6 employees • San Jose, CA, USA
    OneText is disrupting SMS marketing and payments. We win incremental sales for direct to consumer brands by making every purchase as effortless as paying with your hotel room number. OneText shoppers literally reply and buy with one text. In our first year, we’ve onboarded 50 fast-growing e-commerce brands and have added as much as 14% in incremental revenue to their bottom lines. In March, we generated $597,000 dollars in payments. In April, we’ll book $50,000 dollars in revenue. Founders Jonathan Fudem/CEO and Daniel Brain/CTO met at PayPal Checkout where we designed and launched some of the world’s best checkout experiences. We left PayPal to build a payments company that actually helps merchants acquire customers and win sales. The CMO of our largest customer, a $90M clothing brand, says we have revolutionized marketing for his company, and are, quote: “the best thing that’s happened to SMS marketing in forever.” We are excited to share what you can do with OneText.
    fintech
    payments
    consumer
    b2b
    e-commerce
  • Kinside
    Kinside (s2018)Active • 18 employees • San Francisco, CA, USA
    Kinside powers bookings and payments for the $648B care economy. We’ve started with child care, a $136B category that despite being an essential and evergreen service, remains an undigitized space, driven mostly by cash.
    fintech
    marketplace
  • Benson
    Benson (w2022)Active • 3 employees • Oakland, CA, USA
    Benson helps everyday people invest like the rich by helping them identify the best stocks to invest in. We help users know when to buy, how much to invest, and even when to sell.
    investing
  • Sequin
    Sequin (s2021)Active • 3 employees • San Francisco, CA, USA
    Sequin (Y Combinator) is the first debit card designed to reward women where we're spending with up to 6% cashback on beauty, drugstores, gyms, local salons, and more! Cardmembers gain access to high interest checking, financial education, and a community of ambitious women. Plus, each Sequin Card is customized with a money mantra! Vrinda Gupta, the founder and CEO, launched the Chase Sapphire Reserve at Visa, where she was rejected from the credit card she built! She learned that 70% of women today were making avoidable financial mistakes like she was, and embarked on a mission to close gender-based financial gaps. She teamed up with ex-PayPal engineering leader, Mark Thomas, co-founder and CTO, to build a membership-based banking designed to empower women financially. Sequin is backed by high-profile investors such as the Schwab Family, Y Combinator, and IDEO Ventures and is an official Visa partner. The team plans to expand its offerings into a $65B largely untapped market for women's financial products from first bank account to retirement products.
    fintech
    consumer
    consumer-finance
    femtech
    diversity-&-inclusion
  • Coverage Cat
    Coverage Cat (s2022)Active • 4 employees • New York, NY, USA
    Coverage Cat (https://www.coveragecat.com) is the best way for people to optimally insure against their risks for homeowners, auto, renters, and general liability insurance. Millions of wealthy but insurance-unfamiliar Americans have purchased policies that leave them vulnerable to million-dollar lawsuits and bankruptcy. Coverage Cat fixes their coverage and offers them cheaper premiums with a focus on the central question of insurance: "how much can you afford to lose?" This risk-first approach allows for policies with higher deductibles that no other insurer will sell you, and enables us to find the multi-million dollar coverage, for truly catastrophic events, that our users need.
    fintech
    machine-learning
    insurance
  • Argovox
    Argovox (s2022)Active • 3 employees • San Francisco, CA, USA
    Argovox builds voice AI agents that manage complex phone conversations within the financial services industry—like policy renewals, debt collections, and fraud prevention. Our agents can handle those in a way that’s reliable, scalable, and compliant. Our customers range from banks automating debt collection calls to insurance brokers automating policy renewal calls. Results speak for themselves: our agents are able to drive over 80% of conversations to a successful end.
    fintech
    legaltech
  • Shekel Mobility
    Shekel Mobility (w2023)Active • 18 employees • Lagos, Nigeria
    Our platform helps car dealers find, finance and sell more cars in the $30B African used Car market. We are building the largest auto dealership ecosystem ; powering $10Bn transactions annually
    fintech
    b2b
    neobank
  • Wallbit
    Wallbit (w2023)Active • 15 employees • Buenos Aires, Argentina
    Wallbit is a neobank that gives global remote workers a US bank account where they can receive their income, withdraw in local currencies, and earn yield from U.S. treasury bills.
    fintech
    investing
    neobank
  • 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
  • Emigre
    Emigre (w2022)Active • 2 employees • Palo Alto, CA, USA
    Emigre is the fastest and the only end-to-end digital Indian banking solution for Indian expats (Non-Resident Indians) so they can support their families back home, shop on Indian websites, and invest in Indian stocks and real estate.
    fintech
    consumer
    neobank
  • Dots 💸
    Dots 💸 (s2021)Active • 7 employees • San Francisco, CA, USA
    Dots is a developer-friendly API that lets businesses pay their contractors through just a few lines of code. Whether its gig workers like Uber drivers, sellers on marketplaces like Etsy, or simply your local handyman - Dots’ abstracts away the complexity of payouts completely. We manage the entire process: information collection (KYC), payments through any rail (ACH, Venmo, CashApp, Zelle, international, and many more to come), and even filing tax forms! Dots lets developers get payouts up and running over just a few hours, rather than the many months this would normally take.
    fintech
    payments
    api
    creator-economy
  • Coco Pago
    Coco Pago (s2019)Active • 50 employees • New York, NY, USA
    Send, spend, save, and earn money via stablecoins.
    crypto-web3
  • Emburse
    Emburse (w2016)Acquired • San Francisco, CA, USA
    Emburse is an expense management platform that gives businesses more insight into and control over corporate expenses. Using Emburse, businesses may order virtual or physical MasterCard-network branded expense cards and assign these cards to employees or contractors for authorization of pre-approved business expenses.
    fintech
  • Dharma Labs
    Dharma Labs (s2017)Acquired • 14 employees • San Francisco, CA, USA
    Dharma is the only Ethereum wallet capable of seamlessly moving money between any US bank account and decentralized exchanges like Uniswap. The net result is a product that looks & feels like Coinbase on steroids — Download an App. Plug in your bank. Invest in the exponentially growing universe of tokens & yield opportunities in DeFi with a tap.
    fintech
    crypto-web3
  • Level
    Level (s2021)Acquired • 5 employees • San Francisco, CA, USA
    Level provides fast and simple financing to lending startups that gets them off the ground and grows with them as they scale. We do so by buying loans in small quantities at first and rewarding our customers with more access to capital based on performance. Co-founder & CEO, Vladimir Korshin, previously worked in the traditional venture debt system at Silicon Valley Bank, where he noticed that strong startups were frequently denied from non-dilutive financing because they were too small. Just 4 weeks after going live with our first customer, we purchased $1.3M in loans across 6 customers. The founding team brings 30+ years of startup experience: Vladimir previously worked as an operator at Facebook, Eventbrite, and Niantic; Asa Schachar was an engineer at Microsoft and managed teams of engineers at Optimizely; Molly Hogan led new and international product initiatives at Amazon for over 7 years. Level is backed by Liquid2, Y Combinator (S21), and others. https://www.trylevel.app/
    fintech
    lending
  • Nova
    Nova (s2018)Acquired • 16 employees • Dallas, TX, USA
    Nova centralizes digital subscriptions, data room, and ongoing investor communication in a single investor management platform for private funds.
    fintech
    saas
    b2b
  • yearend
    yearend (w2020)Acquired • 7 employees • San Francisco, CA, USA
    YearEnd helps startup employees optimize their equity and taxes, and can also file their tax returns. They simply connect their financial accounts and YearEnd will tell them how much tax they’ll owe and will make recommendations on how to make better decisions. At the end of the year, YearEnd can also file their tax return for them or they can collaborate with their existing tax accountant.
    fintech
    finance
  • Stilt
    Stilt (w2016)Acquired • 35 employees • San Francisco, CA, USA
    Stilt/Onbo enables you to launch credit products without a bank sponsor. We have built APIs to abstract complexity around licenses, regulatory compliance, underwriting, loan management system, credit reporting, and debt capital. We are backed by fintech investors including Y Combinator, Link Ventures, Hillsven Capital, Petrushka investments (early backer of Lending Club, Zillow, Check, Pets.com), and CEOs of billion-dollar fintech companies.
    fintech
    saas
    b2b
    lending
  • Standard Treasury
    Standard Treasury (s2013)Acquired0 • San Francisco, CA, USA
    Standard Treasury helped banks harness the power of developers and developer ecosystems by building, hosting, maintaining, and supporting white-labeled and co-branded developer platforms for banks worldwide. Standard Treasury partner banks saw material top-line growth through the decreased cost of servicing their customers, decreased churn, and increased transaction volumes, while delivering tremendous value to their customers by allowing them to radically automate their treasury management and accounting processes.
    fintech
    payments
    api
  • Tilt (w2012)Acquired • 51 employees • San Francisco, CA, USA
    Tilt is a technology company that makes it easy for groups and communities to collect, fundraise, or pool money securely and effectively online. In addition to helping social organizers, the company is legally certified in securing fundraisers for non-profit organizations.
    crowdfunding
  • SlidePay
    SlidePay (w2012)Acquired • 2 employees • Mountain View, CA, USA
    SlidePay, formerly Cube, is an API that makes it easy for any app to accept credit cards that are processed in person. Integration takes hours, not weeks, and works on any platform or device.
    fintech
    payments
    api
  • 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
  • Surematics (s2017)Acquired • 2 employees • San Francisco, CA, USA
    Surematics is helping commercial insurance brokers structure complicated deals online. Homeowners and car insurance are enough of a nightmare for most of us to handle but Surematics is targeting even more difficult cases — awkward expensive items like oil rigs. With a dash of blockchain, the startup wants to allow companies to collaborate together to create enforceable contracts.
    blockchain
    insurance
  • Coin (w2013)Acquired • 11 employees • San Francisco, CA, USA
    Coin is a consumer electronics and financial technology company bringing simplicity and security to payments. Through the Coin developer program, wearables makers now have a turnkey solution for integrating secure payments into their devices (e.g. fitness trackers, smartwatches, jewelry). Follow the company on Twitter @coin or learn more about the Coin developer program at http://developer.onlycoin.com. Coin 2.0 smart payment device Coin 2.0 is a secure smart device that has the form factor of a credit card, but it holds your cards in one - including your credit, debit, gift and loyalty cards. Coin 2.0 lets you swipe or tap your cards at millions of merchants across the USA. Coin 2.0 has 80%+ compatibility, partly because we use cutting-edge technology that has not yet been integrated into all point-of-sale systems. We encourage customers to carry a “backup card” given the wide variety of sales registers in the USA. While Coin 2.0 shares the same form factor as a credit card, it features enhancements such as an electronic display and a single button to allow for simple switching between different cards. With over-the-air updates, Coin 2.0 adapts to evolving payment technology, offering future-ready ubiquity in a small and powerful package. Coin's security features also keep your information safe. Auto-unlock means that only you can use your Coin 2.0 while Last Known Location helps you find your Coin 2.0 in case of loss or theft. Coin 2.0 is designed for use in the USA. To verify identify, a Social Security Number is required. Website: https://onlycoin.com Video: https://youtu.be/gJBZMUuhUrw
    payments
  • Penny (w2017)Acquired • 2 employees • San Francisco, CA, USA
    Penny is a personal finance app that helps you track your income and spending. Penny accesses your statement history—with your permission—and uses that information to help you manage your finances. Whenever you open the app, she’ll chat with you about your finances: letting you know how you’re doing this month, forecasting where you’ll be next month, giving you a heads up about upcoming bills, or even helping you cancel services you don’t use. Penny makes finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming. Penny automatically organizes your finances, explains them simply and clearly, and tells you what you need to know, when you need to know it.
    artificial-intelligence
    fintech
    finance
  • TAI
    TAI (w2022)Acquired • 3 employees • San Francisco, CA, USA
    TAI is an investing app that helps millennial investors trade and manage all their existing accounts from a single app. TAI uses algorithms and market themes to help users discover actionable insights on how to improve their portfolios using ETFs.
    fintech
    consumer
    investing
  • Kash (s2014)Acquired • 11 employees • San Francisco, CA, USA
    Kash is a San Francisco-based mobile payment company that clears transactions without interchange or card fees and is guaranteed against chargeback. The company gets rid of credit cards and middle-men that stand between bank accounts and retailers. It uses SecureDebit technology, a direct bank payment method that avoids the credit card network and allows retailers to save 2% to 5% in transaction processing fees. Kash uses its funding received from Draper Associates, Green Visor Capital, and Structure Capital to develop, market, and expand its mobile payments technology.
    fintech
    payments
  • Seed (w2015)Acquired • 11 employees • San Francisco, CA, USA
    Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier. Learn more at https://seed.co
    fintech
  • Final
    Final (w2015)Acquired • 11 employees • Oakland, CA, USA
    At Final, we are re-building the credit card from the ground up. Final is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences. Rather than a single, 16-digit card number, Final generates multiple card numbers and manages them automatically. It works everywhere you buy; online, and offline, and integrates with digital wallets like Google Wallet and ApplePay with zero updates to the payment infrastructure. Bottom line - with Final, you’ll never lose access to your spending ability from a breach, fraud, cancelled or stolen card ever again.
    payments
    security