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

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.

Qlo uses AI to automate commercial underwriting end to end, from submission through renewal, for MGAs and program administrators.

We are changing the way that people pay... Founded by: Saket Joshi: www.linkedin.com/in/saket-dattatray-joshi/ Mordi Shadpour: www.linkedin.com/in/mordi-shadpour/

River Markets is the prime brokerage for prediction markets. We aggregate every major event-contract venue into one account, giving professional traders best execution, portfolio and order management systems, and a unified API.

Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers.

Archer is the financial infrastructure for the AI data economy. We’re building global payouts, stablecoin banking, and yield infrastructure for the companies supplying data to frontier AI labs. As demand for high-quality data grows, millions of contributors around the world are generating, labeling, validating, and improving the datasets that power modern AI systems. Yet the financial infrastructure behind these platforms remains slow, fragmented, and expensive. Archer enables data marketplaces, AI labor platforms, and reinforcement learning environment providers to onboard workers globally, pay contributors instantly, and earn yield on idle balances. Today, companies use Archer to manage contributor earnings, global payouts, and treasury operations across hundreds of countries and payment corridors. We believe the next generation of AI companies will need purpose-built financial infrastructure. Just as cloud providers became the backbone of software, Archer is building the financial layer for the global workforce powering artificial intelligence.

Huscarl is building an autonomous AI actuary to enable self-insurance for corporations. Large companies use insurance subsidiaries ("captives") to self-insure their risks. Some of these captives are larger than regional insurers. We provide them the actuarial and modeling layer to operate and grow. We're building a future where self-insurance is the default, and commercial insurance the exception. This is the best way to solve the inefficiencies of the $1T corporate insurance market.

Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind. Built for companies deploying agentic AI, self-serve from day one. The problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks "who pays if your agent breaks something?" and there's no good answer. We built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off. Team: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance). We understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.

We are building the first autonomous insurance brokerage. We hit $1M in annual revenue building insurance workflows for brokers. Then we realized the bigger opportunity was replacing them. In the US, there are 36 million SMBs, and 77% are underinsured because distribution is broken. Brokers can’t serve low-premium SMBs profitably: a $2K policy takes almost as much work as a $20K one. Kinro changes that. Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies. In 3 weeks, we got licensed in 24 states and appointed by 10 carriers. Last week, our agents autonomously bound 9 policies. Before Kinro, Pierre was an AI researcher at DeepMind. Corentin was Chief Insurance Officer at an insurtech. Parth built ML systems at Zoox.

Proximitty is the AI operating system for commercial loans - we build regulator-grade AI agents that ingest and parse documents, spread financials, automate loan operations and track covenants. We help FDIC-insured banks and fintechs underwrite faster and scale their loan books without scaling costs.

We're building the Legora for traditional financial services, working closely with US bank CEOs to transform their businesses.

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.

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.

Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.

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.

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.

We’re building Kontigo, a USDC Smart Neobank for Latinos in the U.S. and Latin America. We launched our Peer-to-Peer onramp 20 days ago and we’ve already had $540k in deposits, 10k active users and a +300k waitlist. The founding team has built and scaled fintechs in Latam, and it’s ex-Venmo, Nubank, Rappi, MercadoLibre, Ualá, Platzi, and Yuno. We’re already backed by DST Global, Soma Capital, Pioneer Fund, Transpose + 10 YC alums. Sending money to Latin America is just as painful as holding it due to the region's fragmentation into 33 countries with 39 different currencies. On one hand, cross-border payments to Latam are absurdly expensive (up to 20% per transaction). Conversely, over the past decade, currency depreciation across the region has become unsustainable. (some countries surpassing the trillion percent ). Kontigo solves this with a USDC global wallet & a BTC savings account. - Like Venmo, but on-USDC. - Like Zelle, but for cross-border payments. No limits. - Like Nubank & Revolut, but without inflationary currencies. Bitcoin-backed. User wallets are connected to an AI-private banker on WhatsApp to execute international USDC transactions.

We are scaling autonomous research, Markets are our verification loop: agents turn hypotheses into strategies, test them, and compound what survives.

Powder is an AI tool that helps wealth advisors rapidly create sales proposals that are personalized for each prospective client. Using LLMs, Powder is able to automate a series of manual tasks such as understanding documents and conversations to create mind-blowing analysis that builds immediate trust. Powder has 3 main features to automate sales workflows - 1. Brokerage, tax and estate document parser thats fast and accurate. 2. Meeting notetaker thats able to capture personalized insights. 3. Portfolio analysis tool that optimizes portfolio returns, risk and fees. Our app saves hours of time and creates a pinpoint proposal that lifts a firm's ability to win new business.

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.

SyntheticFi offers a low-cost and low-hassle solution for independent financial advisors (RIAs) to meet the liquidity needs of their clients.

We recover aged B2B debt in weeks, not quarters: ~49% in 20 days vs ~20% in 4-6 months for traditional agencies. Our AI agents call, email, text, find the right contact (20% of B2B contact data is outdated), and negotiate payment plans 24/7 ; all under your brand. We replace your offshore BPO and third-party agencies. Your AR team stays focused on strategic accounts. Live with Dell, Microsoft, FedEx, Plaid, and Checkr and hundreds of enterprise companies. Long-tail AR your team has deprioritized becomes recovered cash before a traditional agency even gets moving.

Bretton runs AI-native operations for the financial back office. OCC, Fed and FDIC regulated banks use Bretton to run compliance, risk, fraud operations on one platform, on their own data and policies, with every output traced, cited, and audit-ready. Bretton has pioneered AI use in financial services with its proprietary Trust Infrastructure — a system of model validation, governance and auditability guardrails that enables AI use in key regulated workflows.

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

Building Finn, an AI wealth manager for the mass affluent households. Finn understands a user’s full financial picture, monitors it continuously, and helps them take action across investing, cash, taxes, and debt.

Institutional-grade AI, replicating a team of top analysts.

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.

Deterministic, auditable automation for the finance workflows your team dreads. We build and run it on your existing stack. You approve only the exceptions.

Rolo is a new product by Alphawatch AI that maps your connections and relationships with AI and helps you discover new opportunities. If you are a founder looking to fundraise, an investor looking for their next deal, enterprise salesperson looking to find intro paths into a high ACV client, etc - please reach out!

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.

We're building an AI consumer underwriting automation agent.

At Numero, we build software for political campaigns and nonprofits. We were founded in 2019 (after our founders met while working together on a Congressional race) with the goal of building a modern fundraising software suite from the ground up – one that users actually want to use. In that time, we’ve scaled our platform to serve thousands of clients ranging from city council seats to US Senate races, and have helped them collectively manage over $10B in contributions. Our platform is an all-in-one system comprised of a donor CRM, a broadcast email/text tool, and payment processing pages that our clients rely on for their work every day. We’re small, tight-knit team that has deep experience in this space and are backed by world class investors including 776, Y Combinator, and Initialized Capital.

The account designed to earn in one country, live in another, and access assets everywhere.

Slash is America's leading business banking platform. Backed by NEA, Menlo Ventures, Stanford University, and the founders of Tinder and Plaid, Slash works with over 5000 mid market businesses and moves $30bn per year across all payment rails. Businesses come to Slash for three simple reasons: 1. We are the "Costco" of business banking. You get the highest cashback on your card spend and the highest yield on your treasury account. 2. We offer a bunch of free software that saves you and your finance team time: expense management, accounting automations, invoicing – all for free. 3. We're available worldwide. Businesses in 100+ countries can sign up for a USD account on Slash. We offer businesses: 1. Deposit accounts with free outgoing wire and ACH transfers. 2. Unlimited virtual cards with up to 2% cash back. 3. Integrations to all major accounting platforms. 4. Invoicing, expense management, and bill pay software. 5. Stablecoin payments 6. An powerful card creation and payments API

Truss is an all-in-one banking and payment automation platform for construction businesses. With Truss, construction companies can manage bill payments, receivables, and corporate cards in one place. They can save time on manual data entry by integrating Truss with their existing tools and automating the full billing cycle, from invoicing and reconciliation.

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.

Hapi democratizes investing for consumers in Latin America. We let anyone from Latam easily invest in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.

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.