Financial Technology and Services Startups funded by Y Combinator (YC) in the San Francisco Bay Area 2026

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.

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.

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.

Newfront is building the modern insurance brokerage. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. We work with 20% of US unicorns, 100s of YC startups, and 150+ public companies on their Business Insurance and Total Rewards. Headquartered in San Francisco, Newfront has more than 800 colleagues and offices throughout the US.

Mount is the Insurer for the Agent Economy. When AI systems autonomously sign contracts, manage finances, or talk to customers, every failure becomes the deployer's liability. Existing insurers don't want to cover this. They lack the data, the models, and the speed to assess deployed AI systems. We're solving this by building a risk evaluation and mitigation platform specifically for AI Agents. Mount's platform red-teams them, scores their operational risk, and issues ADR certifications (the SOC 2 for AI agents). Every evaluation generates proprietary risk data that feeds our underwriting engine, a data moat no competitor can replicate. The AI agent market is projected to grow from $7.6B to $183B by 2033. The EU AI Act and upcoming regulation require deployers to manage AI risk. Over 90% of businesses want coverage for AI risks, yet no insurer is built to price this new risk category. We are that company. Fabian studied CS at ETH Zürich with a focus on machine learning and has been building AI systems since. John founded an AI-first media company at 18 and scaled it to 400K in annual revenue. Together, they combine deep technical AI expertise with the operational intensity to build a full-stack insurance company from scratch.

Kimpton is an AI-native investment research platform built by ex-quant fund operators. Instead of analysts staring at screens hunting for edge, Kimpton's system is a comprehensive agentic harness containing the context that matters to investors: real-time and historical data across 120,000+ assets, company fundamentals fragmented intelligence sources, and your actual portfolio from 2,500+ brokerages. It conducts the research autonomously: visualizing, backtesting, forecasting with prediction markets, and proposing structured trades tailored to your thesis and risk profile. Built by former hedge fund operators who spent years building this stack for themselves, Kimpton makes the CIO role accessible to every investor. Humans make the decisions. AI does everything else.

Commercial lenders manage billions in assets but service their loans like it's 2005: spreadsheets, legacy software, and teams of people doing manual reconciliation all day. Zolvo replaces that entire back office with AI. We automate reconciliation, verification, collections, and reporting so lenders can scale their portfolios without scaling their teams. We're building the operating system for commercial lending

Selfin is developing AI-powered banking. Users can enjoy personalised recommendations and optimisations of their finances by connecting all their financial products on a single platform.

Zavo is the first AI-point of sale platform for restaurants. We unify payments, point of sale, and AI agents into one seamless platform, allowing business to accept payments, manage operations and automate manual processes with Ai. From reservations, to payments to point of sale, we have built the full restaurant tech stack in-house with AI automation across all products. We started Zavo in May 2025, currently over 400 businesses of different sizes use Zavo to accept payments and manage operations

Astor is an AI investment advisor for retail investors. Founded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Astor gives every active investor an AI investment advisor working around the clock to surface their next great investment. We’re backed by YC (S25). Retail investors now account for 25% of all U.S. trading volume, nearly double from 2012. But over 56% still say they don’t feel confident in their investment decisions. Astor fixes that. Our AI agents uncover opportunities, decode emerging trends, and deliver analysis tailored to you. Instead of drowning in noise, investors gain a clear edge, shifting from guesswork to confident decision-making.

Shor is a new Employer-of-Record built from the ground up with AI agents and stablecoins. We enable remote teams to hire and pay global employees at a fraction of the cost. The process is fast, simple, and fully compliant. Today, global payroll is broken. Payments take days, cost 5–10% in fees, and force companies to navigate complex banking, tax, and labor regulations. Platforms like Deel and Rippling solved this for large enterprises but remain too expensive and cumbersome for the millions of startups and growing remote teams scaling globally. Shor fixes this by combining autonomous AI agents with stablecoin-based settlement. Our agents handle contracts, worker classification, compliance, and payroll automatically in a simple, messaging-first experience. Payments can settle in seconds rather than weeks at a fraction of the cost of legacy providers. We are making global payroll fast, affordable, and accessible for the millions of companies left out by legacy platforms.

Veritus is a omni-channel platform for deploying AI agents for loan servicing and collections, including inbound and outbound voice agents. Our agents negotiate repayment plans, follow up across channels, and drive recoveries with zero human involvement. By combining cutting edge voice AI with deep regulatory compliance and vertical specialization we're able to drastically reduce the cost-to-collect while increasing recovery rates.

Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.

Ralo is a mortgage platform built to deliver lower rates and lower fees by cutting out unnecessary intermediaries. We automate the complex work behind the scenes, from paperwork to pricing and negotiation.

Infinite is a stablecoin payment processor. We offer businesses turnkey APIs and SDKs to instantly move money anywhere in the world at a fraction of the cost of traditional solutions.

PAX is a new crypto CEX that delivers more 𝛼 with its in-silicon exchange and HFT technology. The PAX exchange integrated on-chip λ API provides deterministic nanosecond tick-to-trade latency. HFT λ traders experience non-adverse counterparty selection by pairing with free-tier traders who access PAX using our zero-cost & always rebated legacy API. Using our patented technology, PAX is building a new generation of exchange co-lo facilities that unite HFT with exchange and monetizing by vertically integrating exchange and platform technology as one.

At Harper, we are building a fully autonomous commercial insurance brokerage powered by AI. Our initial focus is on mid-sized businesses with complex insurance needs, but our vision is to eventually serve every business in the country. By leveraging AI to automate key workflows in the insurance process, we efficiently secure optimal coverage for each client's unique requirements at competitive prices and with rapid turnaround. Our AI system learns from the expertise of our brokers, accumulating not just knowledge but also the specific workflows, data, and capabilities that pave the way to full autonomy.

CopyCat builds AI specifically for the insurance industry. We help brokers, carriers, and MGA's move faster and more efficiently for what will soon be the next generation of insurance operations.

RiskCube helps startups and growing businesses become vendor-ready faster. We use AI-driven workflows and licensed broker review to compare top U.S. carriers and deliver the insurance they need to sell into enterprise customers, pass procurement, and close deals quickly. Founders get D&O, Tech E&O, Cyber, General Liability, Product Liability, and COIs — built for AI/SaaS, Fintech, Space, and Web3 startups creating the future, from Earth today to the Moon tomorrow.

We’re a research lab that puts its ideas to the test in one of the most complex, information-rich environments in the world: the financial markets. If you care about learning systems, clean abstractions, and applying research in the wild - we’re hiring.

At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Done is the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy. We came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country. We’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta is the first to bridge the gap for international travelers from card-centric markets to tap into these local networks. Moreta will target 200 million travelers arriving in the region each year, who together have $410 billion in everyday expenditure.

Corgi is a full-stack insurance carrier building better, faster insurance products for startups. We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs and less friction. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.

The New Money Company protects invoices with insurance. We help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill. Support number: +18889975745.

We operate a platform that automates quantitative research — generating hypotheses, backtesting strategies, and analyzing results. Hundreds of agents run in parallel and learn from what the others discovered. We are building a fund that scales on agents, not researchers.

Polar helps remote workers, freelancers, and ship crew manage their USD earnings globally. Using Polar, you can: 1. Get a U.S. bank account in minutes with just your phone and local ID 2. Send money to 120+ countries faster and cheaper than alternatives 3. Earn 2-6% interest on USD savings 4. Invest in gold, Bitcoin, and Ethereum 24/7, starting with $1

Casca is building AGI for Banking. Our first product is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. We’ve found product market fit already serving top 10 US banks and are scaling our team very quickly. Small businesses are the heart of the American economy. Many banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes. We unlock affordable, quick bank funding for the 30M+ small businesses in the US who would otherwise be subject to the high interest rates from predatory online lenders. We are a world-class team of banking & AI experts from Stanford, MIT & Y Combinator. We like to win and we know that the only thing between us and the title is our own ability to improve every day.

Envelope is a banking app with built-in budgeting. It's similar to Mint, Copilot, or Rocket Money, but our app issues you a checking account during onboarding so there's no syncing or flaky bank connections. We are structured to be the primary checking and savings account for our users. We (Josh and Katelyn) are married cofounders who previously worked on Apple Card and the Robinhood iOS app. We started Envelope because we were using clunky tools like the Chase app, spreadsheets, and Mint to run our family finances and realized we could build something better. In the future, you could go set up a Chase account for checking, E-Trade for investing, SoFi for savings, Ally for money market, Greenlight for kid cards, PLUS the Mint/YNAB/Rocket Money to glue it all together + budgeting, or you could just use Envelope. _Envelope is a financial technology company and is not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted._

We recover up to 85,000 invoices per day and get 50% paid within 20 days on average. Respaid uses AI to respectfully collect overdue B2B invoices. Just give us an excel file—no attached invoices needed. We integrate with your stack or work standalone, protecting your brand's reputation while maximizing collections through our AI-powered, respectful approach.

Bretton AI (formerly Greenlite) is the leading AI agent platform for compliance in financial services. Regulated banks and fintechs — including those overseen by the OCC, FDIC, and SEC — trust Bretton AI to automate mission-critical work like sanction reviews and anti-money laundering investigations with speed and accuracy.

Pump saves up to 60% off AWS for early stage startups, and for free (yes, that's right). Using group buying and AI, Pump automates cost savings that require no engineering effort. #GetPumped

The world's first AI agent that coaches founders & invests in them. Currently led by a repeat AI founder Alexander Nevedovsky (exit to Farfetch), who joined post-YC batch: https://www.linkedin.com/in/ednevsky 👋

Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets. We aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.

Purchase, manage, and sell US Treasury Bills seamlessly. Get direct access to government-backed treasury bills along with the flexibility of selling anytime.

For millions of Americans, taxes are far more than a simple W-2. Managing investments, property, or a side business creates a world of complexity that makes DIY software risky, while traditional CPA help is often slow, expensive, and reactive. This broken system causes anxiety and leaves billions in potential savings on the table every year. Rally is the modern solution for tax peace of mind. We are an AI-powered tax platform that provides proactive, year-round strategic guidance, not just seasonal filing. Our unique approach combines a smart platform that automates 80% of the manual work with a team of in-house experts to provide strategic advice. We deliver the expertise of a private advisor with the convenience and access of a modern tech company. Our vision is to use the trust we earn in taxes to become the definitive financial co-pilot for our customers. We will expand from tax strategy into a full suite of services that helps millions of people proactively manage and optimize their entire financial future.

End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates.

Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets. They're growing 40-45% weekly and made $110K GMV last week. Over 50% of vehicles sold will be electric by 2030. The payments management infrastructure for EV charging and the expenses doesn’t exist at the moment. The founders operated 100+ EV charging stations, worked in companies like Zipcar, Bosch, and Mercedes, and faced this problem through their own experiences. They built a team with a strong fintech background and publicly launched their Bluedot card on Dec 14th, 2022. Bluedot has raised their pre-seed from Y Combinator, Axel Springer, Porsche, Ford, TechNexus, DRF, and Pritchard Automotive.

Finic helps fraud teams catch organized fraud earlier, act on it faster, and turn discoveries into lasting defenses. Our AI agent analyzes structured and unstructured data across your systems to proactively surface the fraud that rules and scoring models miss.

Mercoa helps AP and Spend management platforms drive more virtual card volume from their BillPay customers. Our agent identifies card-eligible invoices and securely pays them through supplier portals or payment links.

We make it easy for founders to do billing right out of demo day. Every B2B startup faces the same billing nightmare: unique customer terms, custom pricing, usage tiers, and discount structures that make manual billing a costly mess. Hiring billing specialists adds overhead and introduces human error right when you need to move fast. JustPaid makes billing effortless by extracting billing logic directly from your contracts—whether they're PDFs or stored in your CRM—and automatically generating accurate, timely invoices. Already using Stripe, DocuSign, CommonPaper, HubSpot, or Salesforce? We integrate seamlessly with your existing stack. Maintain control while automating the complexity. No more pricing disputes. Faster cash flow. Fewer headaches. - Move fast: Bill customers from day one without hiring specialists - Scale smart: Handle complex pricing models without operational overhead - Stay focused: Spend time building your product, not managing invoices - Reduce risk: Eliminate human error in billing calculations We're always asking ourselves: How can we make a company's financial operations effortless so teams can focus on scaling? - We don't settle - We are passionate - We are serial entrepreneurs We aim to make a dent in the universe.

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.

PrimeVault is the all-in-one digital asset and stablecoin platform for enterprises and financial institutions. Built for modern finance, PrimeVault combines secure wallets, programmable treasury, compliance, and market access in one seamless solution. With robust security and modular infrastructure, PrimeVault empowers institutions to issue, manage, and move digital assets at scale. Discover how we makes digital asset finance simple at primevault.com.

Verify your customers globally with a single platform. Get 800+ data points on each business and 100+ data points on each individual and onboard with confidence.

At Stream, we’re on a mission to modernize the insurance industry. Our product—the Stream AI Claims Workbench—uses custom AI agents to turn a constant stream of PDFs into automated workflows and high-value signals. This helps claims teams focus on the human work—getting people the medical treatment they need and the benefits they’re owed—while reducing costs for insurance companies.

GoodFin is reimagining private wealth in the era of AI. Our mission is to empower a new generation to build wealth, starting with their investments in alternative assets. Our AI-native platform combines a design-forward experience with a backend powered by a system of intelligent agents. We are building a future where AI unlocks financial hyperpersonalization, automation and optimization for sophisticated financial products, which are typically gated by advisors and reserved for very wealthy clients. This highly fragmented $1.25T global services market will undergo a sea change in the coming years, as trillions pass in the largest intergenerational wealth transfer to date. In a world where most financial decisions will become automated, we believe the next category-defining wealth company will still be human-driven at its core – powered by a high-value community like our membership base of professionals, founders and investors. The next generation financial giant will be an AI-native platform that makes wealth creation seamless, personalized, and social. That’s what we’re building.

Internet broke physical boundaries in commerce and made it global. It never happened in finance. Almost all financial consumer apps are country specific. Stablecoins are the internet moment for finance industry. Cypher lets an user download an app from anywhere in the world and have a bank account in 5 mins and start transacting with the crypto card. Can instantly send USDC to anywhere in the world.

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.

Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.

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*

Courtyard.io (YC W’22) is a marketplace and tokenization service that enables anyone to easily own and trade physical collectibles on the blockchain, unlocking greater transparency, liquidity, and a powerful new form of ownership. For vaulting, we’re partnered with Brink’s – one of the global leaders in security and logistics. We’re currently focused on graded cards, and offer a variety of slab Vending Machines along with curated mystery pack Drops to provide a fun, fair, and transparent way for enthusiasts and new collectors alike to grow their collections.