Y Combinator Startups in New York 2026

We’re a passionate team of dreamers and builders, determined to liberate small businesses from the not-so-fun aspects of the job so that they can focus on what’s fun and important.

Scentbird inspires fragrance lovers to go beyond the ordinary and sample scents that evoke passion, confidence, and the unknown. Our mission is to revolutionize the way individuals perfume by bringing the ultimate fragrance playground right to their fingertips. By way of a monthly subscription service (starting at $14.95 a month), members can choose from over 500+ designer colognes and perfumes each month! See what we're all about at: www.Scentbird.com // @Scentbird *WE'RE HIRING!: https://www.scentbird.com/careers

SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. Additionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.

Archer helps companies automatically pay people when specific business outcomes happen. Instead of manually managing commissions, referrals, or incentive programs, companies can tie payouts directly to things like revenue, signups, onboarding processes, and Archer handles tracking, calculation, and payouts end-to-end using stablecoins. Users are able to spin up the programs using a simple natural language interface. Today, every company already spends money to drive behavior, sales bonuses, referral payouts, creator deals, marketplace incentives, but these systems are static, manual, and fragmented across spreadsheets, internal tools, and finance workflows. The result is billions of dollars in incentive spend that is poorly optimized and disconnected from actual outcomes. Archer makes this programmable. Companies can define what they want to reward using natural language and only pay when measurable value is created. This turns incentives from a cost center into a lever for growth, allowing teams to continuously test and optimize how money drives behavior across employees, partners, and users.

Mochatrade lets global traders trade perpetual futures on US stocks with up to 20x leverage. Access 50+ US stocks including TSLA, NVDA, AAPL. Mocha is fully self-custodial and no US brokerage account is needed. Traders on-ramp in local currencies and get professional-grade execution on the world's most liquid equities. Starting with India (140M+ demat account holders), and expanding across other markets.

Standard Signal is the first hedge fund that researches and executes trades purely with AI. Our custom models discover and trade on new fundamental truths about the world before humans can.

Cofia learns how your team runs internal operations and automates the highest-ROI workflows, automatically.

Tepali is the AI-native operating system for medspas. We replace fragmented software and manual work with a single system of record powered by AI agents that handle front desk, patient documentation, and lead conversion.

Mantis is a digital twin company that combines LLMs with high-fidelity physics simulations in order to convert rare and difficult-to-access human behavior data into predictive models.

Autonomous is a superintelligent financial advisor at 0% advisory fees. Today, managing your money means one of two bad options: DIY your money: You end up with accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job. Hire a financial advisor: They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees. Neither path can economically deliver the sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc. These aren't secret – they're just economically impossible to deliver at scale through traditional human advisors. Robos were supposed to fix this, but they were designed in a pre-AI world. In practice they just manage cookie-cutter portfolios. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions. We’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors. Autonomous is built around a frontier-scale reasoning engine—an AI that perceives global events as they unfold, understanding their deeper implications for markets and and most importantly, how these events will impact your investments.

F2 is the AI platform for private markets investors. Purpose-built for private credit, private equity, and commercial banking, F2 accelerates diligence, underwriting, and portfolio monitoring, helping teams evaluate deals over 60% faster. F2 turns unstructured deal data into investment-grade analysis and polished memos in minutes. Unlike general-purpose AI, F2 is built with the domain expertise and depth to handle the most complex financial analysis. Already trusted across thousands of deals, F2 makes collaboration easy and retains historical context, so past work compounds into future wins. Headquartered in New York City, F2 is backed by leading investors including NFX, Left Lane Capital, and Y Combinator.

Coding agents made writing code fast. But 6 engineers in a room will probably still disagree on what needs to be built. Scott AI is a planning workspace where engineering teams align on what to build before their coding agents start building it.

If you are a trusts & estates attorney, RIA, fintech, or family office interested in Sava, reach us at founders@savahq.com

Overdrive Health offers AI powered medical billing services, helping providers get paid more money in less time. Our technology enables us to provide the best quality insurance and patient billing services for a fraction of the usual cost

With our visual understanding engine & platform, Aspect processes dense multimodal datasets, providing tools for segmentation, QC, structured schema extraction. Companies today have access to Glean and Notion Agents for working with vast text corpuses - Aspect is enabling that for multimodal data.

We deliver high-quality, cost-effective healthcare to employees through text. Employers cut 10–20% of healthcare spend. Employees get concierge care that improves outcomes. Our AI agents analyze clinical data to identify care needs. We treat common conditions through our integrated virtual clinic. For more complex care, our agents find the best in-network providers using millions of price and quality data points, and handle end-to-end appointment booking.

Caddy is the operating system that works proactively for you. It learns how you work and acts on your behalf, keeping work moving while your context and voice stay intact. Instead of producing generic AI output, Caddy creates real work artifacts that sound like you and fit how you actually work. Today, it operates across the tools you use every day, including email, calendar, Slack, Linear, and Notion. Caddy is built by the team behind Loom’s AI and core product. We believe the next era of computing is software that understands intent, handles ambiguous work, and quietly gets work done in the background.

Nori is a concierge-level AI health coach in your pocket. It takes all of your health data—Apple Health, medical records, wearables, everything—and boils it down into a personalized daily plan. Users love it: “It's truly one of the best apps and I check it first every day. Since using Nori, I've been limiting devices in bed and eating earlier—and I'll be damned if it's not working... I started getting more deep sleep, my resting HR dropped to 43, my recovery improved.”—Jen, Nori user"

Fernstone is a full stack insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 100+ businesses in construction, security, and logistics.

Amika is infra to build your software factory. We give your team sandboxed AI coding agents in the cloud: the same infrastructure Ramp, Coinbase, and Stripe built in-house. Kick off work from a web UI, CLI, Slack, or API. Use your preferred coding agent (Claude Code, Codex, etc.). Each agent understands your codebase, runs autonomously, and ships real PRs with live previews of the apps it changed. Use it as your daily driver or plug it into your own code-gen pipeline via API.

Structured AI is building the AI workforce for construction design engineering, starting with AI agents that perform quality control on technical documents and drawings. Our agents learn your standards, apply the right building codes, and automatically review your drawings, so you see fewer clashes, fewer inconsistencies, and fewer costly RFIs and change orders. ⚙️ Automates QA/QC across mechanical, electrical, structural and more 🧩 Used by multi-disciplinary design firms to deliver projects faster with less risk 🚀 Mission: Free engineers to focus on creative design, not repetitive admin

Freeport turns the sources you already trust (starting with Twitter) into a tradable feed. Our AI analysts track breaking news across social and financial media, distill what matters, and translate it into actionable trade ideas so you’re never late when markets move.

RowFlow replaces clunky web forms with natural conversations that run over text, slack, or wherever your users are. Our platform increases your form’s response rates while cutting your internal overhead in half. With RowFlow, you can take any existing form and instantly convert it into an AI-powered conversation. New flows launch in minutes and reach respondents over your preferred channel or embedded chat. We guide the exchange, follow up automatically, and return clean structured data without extra work from your team. Forms power billions of business interactions yearly. Whether it’s forms for client intake, registrations, compliance, feedback, or surveys, they all follow the same painful pattern: low conversion, messy data, and frustrated users. Teams have long tolerated forms only because there's been no scalable alternative for collecting structured information from people - until now. Our goal is for RowFlow to become the new default way for how organizations collect user data in an AI-first world.

Bezel helps fashion brands create virtual photo/video shoots with AI. Upload images of clothes, select the human you want to model it, and Bezel generates pictures and videos that rival a full studio production. Every detail of the clothing is rendered flawlessly. Try it for yourself.

We build independent and contamination-proof benchmarks that measure real world performance. LLM Stats is the most complete LLM leaderboard. We have the most complete archive of LLM benchmark results and also run independent evaluations that are not the classical ones that are already in the training data of most models. Our mission: become the biggest community dedicated to AI transparency.

We are a full-service sell-side residential brokerage that lists and markets your properties. We also screen and schedule tenants showings with our AI agent for a third of the normal commission.

Interface is a frontier research lab focused on high-fidelity visual simulation. We build neural systems that model appearance, behavior, and interaction for world-model research.

Prosper builds AI phone agents for healthcare providers. Our agents automate manual, time-intensive workflows like patient scheduling, balance reminders, claims status checks, benefit verification, and prior authorizations. We integrate with 80+ EHRs, go live in 3 weeks, and offer a no-code interface for customization. Today, Prosper handles thousands of daily calls for dozens of providers, reducing costs by 50% and tripling productivity. We’re building the AI-first operating system for healthcare to eliminate the $200B lost to administrative overhead every year.

Frizzle uses AI to grade handwritten math assignments for teachers and transform them into rich analytics and differentiated assessment to help personalize instruction for every student. Teachers spend over 10 hours a week or 25% of all their work grading - Frizzle does it in minutes. Frizzle is the most valuable piece of software for teachers ever, as it eliminates the most time-consuming part of their workflow so they can focus on teaching. Frizzle shifts education from waterfall to agile learning. Instead of waiting for end-of-unit tests to discover gaps, teachers get continuous, real-time insight into student thinking from everyday work. Feedback becomes immediate, instruction adapts weekly, and learning iterates (measure, adjust, improve) so every student progresses faster with less teacher burnout. Frizzle was named an official White House AI Education Partner alongside OpenAI and Meta: https://www.whitehouse.gov/edai/. Frizzle was co-founded by Abhay Gupta and Shyam Sai, who met in high school over 10 years ago.

Fleetline is building the first complete-context algorithmic load planner for mid to large-sized trucking fleets. Today’s dispatchers face an overwhelming task: balancing regulations, customer demands, live fleet data, and individual driver needs, all while coordinating across siloed tools and teams. Mistakes run rampant, and each mistake is thousands of dollars. Even the select fleets using algorithms that have fleet-wide context struggle: the outputs are rigid, hard to interpret, and are blind to real-world nuances like driver preferences and schedule exceptions. Fleetline solves this by combining advanced optimization with LLMs that can easily adapt algorithms to each fleet’s needs and capture driver-specific information. The result is smarter planning truly optimized for every fleet and its drivers.

We use AI to help electrical contractors submit more competitive bids to construction projects. We do this by speeding up the estimating part of bidding, which is the most tedious part of the job. Specifically, we're building models that can understand floor plans and count electrical devices to generate the estimate. Bidflow is the future of electrical pre-construction.

Eden helps companies generate realistic, high fidelity synthetic data on demand. We simulate customer data, product activity, and edge cases so sales engineers can run live demos without using production data or spending hours hand-building demo accounts.

IronLedger automates property accounting for property managers, developers and contractors, starting with accounts payable. We eliminate more than $70K of accounting costs annually for over 50K multifamily units. https://www.ironledger.ai/

Albacore Inc. builds mass-producible long-range drone submarines. In the era of autonomous warfare, we support military operators with underwater systems that can traverse oceans and be deployed at scale.

Mimos helps companies rank in AI search. 800 million people use ChatGPT every week. Today, customers don’t see 10 blue links, they see an answer. And if your brand isn’t cited, you basically don’t exist. Our agents automate the playbook for becoming the answer: 1. Pinpoint Visibility Gaps: Analyzes your site, competitors, and customer data to find precise ranking opportunities. 2. Craft the Solution: Automatically stages technical fixes and generates policy-aligned content in your brand's voice. 3. Integrate with CMS: Instantly deploy fixes and content to your site, driving new leads in days, not months. Learn more at trymimos.com === Rohit & Michael have been working together on various technical project since 6th grade (14 years!) - and Mimos came about as one of those projects.

Right now, someone could look up your employees online, craft a perfect phishing email using what they find, and get into your systems by lunch. Or just call your help desk and pretend to be a new hire. No malware. No exploit. Just a conversation. GhostEye does this first. We continuously map your employees' real-world exposure the same way a threat actor would, then automatically generate and launch personalized phishing attacks, scam calls, texts, and deepfakes to test them before the real thing hits. Every attack is unique because every employee's exposure is unique. Quantified human risk scores that track over time. Employees shown exactly how they were compromised. Not a training platform. A security tool.

Parachute helps hospitals adopt AI safely and at scale. We vet AI tools that fill clinical gaps, run state-of-the-art evaluations, monitor every model for drift and compliance, and lock every decision in an immutable audit trail.

Alter is a zero-trust identity and access control platform purpose-built for AI agents. It wraps every tool call in strong authentication, fine-grained authorization, and real-time guardrails, so agents can move fast without breaking things. Each request is verified at the parameter level, authorized against granular policies, executed with least-privilege access, and fully audited in real time. Unsafe actions, whether it’s a rogue DROP TABLE or a payment above policy limits, are blocked before they touch production. Behind the scenes, Alter manages credentials, issuing ephemeral, scope-narrowed access for every interaction, then rotating or expiring it in seconds. The result: no long-lived secrets, no blind spots, and no surprises in audit. With Alter, teams can move fast on AI agent initiatives while staying fully compliant with SOC 2, HIPAA, GDPR, and internal security standards. A CISO-ready dashboard delivers real-time visibility, detailed audit logs, and compliance-ready controls, removing silos, eliminating excessive permissions, and providing complete oversight of every agent workflow.

Channel3 is building a database of every product on the internet. Google and OpenAI maintain vast product graphs, but keep that valuable data to themselves. Channel3 gives every developer access, opening a world of possibility for new shopping experiences across any vertical. For instance, developers could build AI fashion stylists or give their agents shopping capabilities. We don’t just collect product data; we actually understand it. With the latest image classification and reasoning models, we can match products across merchants—even when listings and images differ—recognize variants, and surface the perfect matches for every search. As we grow, we’ll capture unique insights into what users want, click, and buy. As AI models get smarter and cheaper, our flywheel accelerates: our catalog will improve, and it will be even easier for developers and vibe-coders to build on our infrastructure. To further incentivize building on Channel3, we provide built-in monetization; developers earn commissions on sales they drive. Alex discovered this need while building an AI tutor that could recommend products and earn affiliate revenue. When no solution existed, he persuaded his smartest friend from Duke and former co-founder George to leave Palantir and build Channel3 together.

Interfere is the experience layer for modern product teams. Detect, triage, and fix bugs automatically – no human required. Interfere finds issues in your app, understands what's happening, and owns resolution from first signal to production.

CareSwift is a real-time AI assistant built directly into ambulance reporting systems, guiding medics as they document care and instantly flagging errors. Crews complete accurate, compliant reports in under three minutes, cutting documentation time by 80 percent and helping agencies avoid insurance claim denials. Ambulance crews lose valuable time completing reports after each call. Even minor mistakes cause insurance claims to be rejected.

AI that understand your hotel brand's DNA, operational procedures, and the importance of guest experience across your properties. From the first touchpoint to post-checkout feedback, Cleon is built for the full arc of the guest journey, capturing signals that can be turned into actions.

Trapeze empowers doctors to answer patient calls 24/7 with our voice agents clones of their best call center reps and receptionists. In the past 3 months, we’ve onboarded 140+ doctors nationwide serving 1,000,000+ patients. We're building the AI-native Zocdoc to create the standard for how patients and providers find each other. Follow along on the BTS of our journey: https://www.tiktok.com/t/ZTjQyxEQx/

Photonium is building software to automate optical system design. We supercharge optics experts with intelligent tooling to reduce costs and deliver faster. We handle the full design stack — from optimization, verification, sourcing, to prototyping — for AR/VR, quantum, biotech, metrology/chip fab, LiDAR, and more.

Atlog creates voice agents with built-in compliance. Companies use Atlog to automate their calls and texts without worrying about getting sued.

Ticket Wallet is an AI-powered resale platform for season ticket holders and brokers. We automate pricing, listing, and distribution across all major marketplaces. Today, most tickets are still sold manually: spreadsheets, guessing prices, and listing on one site at a time. The biggest brokers outsource pricing to teams in the Philippines… We built Ticket Wallet because we lived this. Truman has been flipping tickets for the last 5 years. Ryan built pricing software after seeing the mess first-hand. We’ve turned that pain into a product. Since launch, we’ve onboarded $3M+ in ticket inventory, signed up 100+ paying sellers, and started working with pro teams. We charge 10% per ticket sold. This is our wedge into the $26B resale market. Other platforms cost you money. We make you more of it.

Teach robots new skills through natural language and run reliably in production in minutes. Mbodi combines generative AI and agent orchestration, turning everyday language and quick demos into precise, reliable robot actions for industrial automation.

sieve solves data cleaning for hedge funds and investment firms by letting them get clean data in four lines of code. Currently, their data pipelines have conditions that raise for human review, which literally send an email to engineers with data that needs to be reviewed. We provide an API that integrates directly into their existing pipeline - instead of raising for human review, they can send all the same information to our API and get clean, high-quality data back. By using our AI agents built specifically for financial data collection, along with expert-in-the-loop review, we provide our clients with clean, validated data at a scale and level of quality that wasn't achievable before.