Financial Technology and Services Startups funded by Y Combinator (YC) in the San Francisco Bay Area that are currently hiring 2024

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.

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.

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.

Make something people want.

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.

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

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.

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.

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

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.

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.

Keeper is delightfully smart tax software, especially for people with 1099 contracting & freelance income. Connect your bank to automatically uncover hidden tax breaks!

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.

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.

One platform, one financial system of record, Store, search and encrypt your data, manage accounting and payments in one place.

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.

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.

Afriex makes it easy for immigrants to send money home. We offer instant, no-fee remittances to over 7 countries around the world.

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.

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.

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.

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.

Accept and reconcile B2B payments seamlessly.

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.

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.

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.

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.

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.

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.

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.

Landed helps employers develop programs that increase access to homeownership for their employees. We do this by unlocking the power of shared appreciation to create down payment programs tailored to the needs of each institution, improving recruitment and retention of key talent. Unlike other programs, shared appreciation is mutually beneficial to funders and buyers, creating a self-renewing pool of capital that recycles as homebuyers exit the program.

Honeydue is the best personal finance app for couples. Track your bills, bank balances, and spending together, and engage in meaningful dialogue about your goals and habits.

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.

Compound empowers people who work in tech to make better financial decisions so they have the freedom to focus on what matters most.

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.