Financial Technology and Services Startups funded by Y Combinator (YC) in the San Francisco Bay Area that are currently hiring 2025

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.

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.

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.

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.

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

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.

Parker is a digital bank.

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.

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.

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, low-fee remittances to over 25 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.

Accept and reconcile B2B payments seamlessly.

Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking. If you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com

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.

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.

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.