Financial Technology and Services Startups funded by Y Combinator (YC) 2024

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.

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.

Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.

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.

The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses. Over the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. Razorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. Be it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience. Over the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. Razorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform. All these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money.

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.

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.

Building extremely affordable financial infrastructure for Africa.

Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital. Therefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. Every day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.

Infinia is enabling Fintechs, PSPs and Banks to connect to RTP rails both for payins and payouts globally. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR.

NextPay is a digital bank for small businesses and entrepreneurs in The Philippines. They use us to send invoices, collect payments, do payroll, and pay their bills. NextPay is the best alternative to bank accounts for small businesses and entrepreneurs in the Philippines. We help them similarly to how Brex helps companies in the US, but in a way that is more locally nuanced. We manage their finances and remove the steep barriers that Filipino banks and financial institutions typically require; no setup fees, maintaining balances, or ridiculous requirements. View the full context on our Launch Bookface post: https://bookface.ycombinator.com/posts/51999

Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.

We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.

Tranch is the modern approach for businesses to be paid upfront, faster and easier. We are the only B2B checkout to offer Pay Now and Pay Later up to 12 months for invoices across the Services sector. We enable Services (law firms, design agencies, etc), software and marketplaces to be paid quicker, upfront and offer their customers flexible payment options including Pay Now and Pay Later from 2 to 12 months. By offering a ‘Pay with Tranch’ checkout businesses can offer a fast and easy way for their end-customers to pay for invoices on their terms. Tranch is backed by leading investors including; Global Founders Capital, Soma Capital, FoundersX and Y Combinator.

With Novel, international founders can get a U.S. business bank account, multi-currency wallets, global transfers in 140+ currencies, and more all in a single place.

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.

Make something people want.

Zywa is the first neobank tailored for teenagers in the Middle East and North Africa. Through Zywa, teens are able to spend, receive and manage money without the need for cash, and they can also get rewards and interact with their friends. Using the app, parents can also send money to their kids, which they can spend securely in the safe environment of their parents’ oversight.

FrontPage has built a community for financial market traders in India. The community has more than 1M monthly active users. Now building a new stock trading platform for India, leveraging AI advances.

Aella is a diversified credit payments platform with over 2 million users, offering a raft of financial services to underbanked users across Africa with a focus on lending. We are at the forefront of financial inclusion and empowerment of the underbanked. Aella’s Debt-as-a-service model ensures that agents across Africa are able to have quick and easy access to funding through its partnerships with leading agency banks across the continent.

Forage is a mission-driven payments company that helps businesses accept government benefits through a single, unified API. Today, over 42 million Americans receive government assistance (ex: Supplemental Nutrition Assistance Program, or SNAP) to buy groceries. Starting with enabling EBT SNAP online, Forage builds the financial infrastructure empowering businesses to serve these shoppers online.

Our product allows employers to pay for the out of pocket costs for any employee that enrolls in their spouse's health insurance plan. This saves our customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs. We handle setup, employee education, and claims reimbursement. Our technology can even help employees who don't have a spouse understand their insurance options.

Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed.

Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains. Starting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems. This will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow.

Through our mobile wallet, we allow consumers to receive, store, and send money through their phones. Virtually all the value propositions of a bank, in just one app.

We are Gusto for Africa. Eazipay is a simple, 5-minute payroll payment solution for Africa. We have grown from 10 businesses in January to over 200 with over $5k MRR. Eazipay processes 8 payroll payment types (Taxes, Pension, Insurances, etc) with just one-click and with our own payment infrastructure. Eazipay Payroll APIs are also available for neobanks and commercial banks - to reach at least 50k businesses.

Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money. The problem we are solving is that more than 75% of the 12 million employed South African’s run out of money before the end of the month, 52% of those end up borrowing money to survive. Informal lending is the only option for most borrowers, with interest rates anywhere between 30-50%. The story is the same in most African countries where payday/micro-lending has become the norm amongst lower-income earners. Our app features include financial education, a budget planning tool, cash access, and voucher purchases all from wages earned but unpaid. We are currently working on a savings product to promote long-term financial resilience. We launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.

SFOX, a YC-backed company, makes it easy for enterprises to trade bitcoin. We started with an advanced trading platform that uses algorithms to provide a competitive advantage to our customers. SFOX now aims to expand international commerce by making it easy to trade any currency and settle in real time.

Nomba provides Banking and payment to 200k+ small business in Nigeria through point of sales solutions.

Simplify your regulatory compliance. Sei's AI agents sit alongside your risk and compliance teams, amplifying impact and scale

Cash management solution that offers debit & credit solutions for SMBs in LATAM. - 24/ Multi-treasury: multiple debit accounts, payroll & services payment, wires - Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses - Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments.

Dapi is a developer platform designed for fintech and web3 companies. We build APIs for universal open banking, enabling seamless connections to any bank in the world, and provide seamless stablecoin on/off ramps. Dapi is dedicated to building the next generation of global financial infrastructure, empowering developers to easily connect to banks, move, and store money globally.

Send, spend, save, and earn money via stablecoins.

Cleva enables African freelancers and businesses to receive international payment for their service, while protecting themselves from local currency volatility. With a Cleva USD account, one can easily receive USD payment from anywhere in the world, spend via a card, pay bills, convert to local currency, and save in USD to hedge against local currency volatility.

Gotrade enables anyone in the world to invest commission free in fractional US stocks.

Vouch is business insurance for high-growth companies (from garage to IPO). In under 10 minutes, founders and finance teams can apply for coverage customized for their startup and industry vertical. Vouch offers 10+ lines of proprietary coverage, from General Liability, EPL, D&O, to Cyber policies. As the underwriter of these insurance policies, Vouch removes any hidden third party fees, and handles all of the paperwork from start to finish. Vouch is live in the US and works with thousands of start-ups, including hundreds of YC backed companies.

Sandbox Banking provides a low-code platform to quickly build and run banking integrations. Our software is literally a web application named Glyue, and it's typically used by banks, credit unions, and fintechs to connect banking systems. Glyue integrations are often web service APIs, batch ETL jobs, file/document transfer jobs, or event-driven pub/sub services (e.g. web hooks, Kafka streaming data pipelines).

Wallbit is a neobank that gives global remote workers a US bank account where they can receive their income, withdraw in local currencies, and earn yield from U.S. treasury bills.

SoloSuit helps people resolve debt collection lawsuits with court documents and a settlement service. We're targeting the $3.5B untapped consumer litigation market.

An early wage access platform allowing salaried employees to draw down a percentage of their accrued salary before the next payroll cycle. Helping employees to avoid late payment fee on bills, access emergency cash and substitute expensive debt. We work on a B2B2C model allowing companies to extend the product as a benefits program to their employee base.

AlphaWatch AI is a research and analysis platform designed for hedge funds and private equity firms. By using custom LLMs, specialized embedding models, and integrating with both trusted external data sources and secure private data, AlphaWatch AI offers a reliable chat interface that cites its sources, saving financial professionals time on research. We aim to solve a very real pain point: data is currently disjointed, and hedge funds spend anywhere from 250k to 1M on data costs. While LLMs should solve a research problem, their results are prone to hallucinations and don't include internal information. With efficient data integration and valuable insights, AlphaWatch AI is enhancing the way financial institutions access essential information and make informed decisions while maintaining data privacy

San Francisco-based BillForward a YCombinator company is comprised of talented and passionate folks who are excited by the challenges and opportunities of subscription billing. We offer a flexible and innovative billing platform, which gives any type of recurring-payment based businesses the ability to bill customers for sophisticated products and carry out in-depth revenue analysis. Launched in Jan 2013 the platform has already gained great traction in the Telecoms, SaaS, Product as Service and Platform as a Service industries, where product managers and CFO’s have realized that the ability to change their offering in hours, rather than weeks, can give them an edge on the competition.

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.

The global cryptocurrency derivatives exchange Inventors of bitcoin VIX, the first low latency perpetual futures exchange and more

Founded in June 2019 and based in Singapore, Spenmo is building the only software you need as a business to manage payables. From bill payment, corporate card, local and international transfer, to employee’s expense claim, Spenmo helps companies streamline their AP processes with our technology. Before Spenmo, AP staff were drowned in manual work and struggled to reconcile all their spending on time. Not anymore. Thousands of businesses are now using Spenmo to payout their AP, track and categorize spend, and close their books on auto-pilot in 90% less time. On average, finance teams who use Spenmo save over 50 hours and $10,000 every month.

Cashfree is a next-generation payments company for Indian businesses. Cashfree helps 50,000+ businesses collect and send money with solutions such as an easy to integrate payment gateway that supports instant settlements & refunds; Payouts - an API banking platform for bulk disbursals; a split payment solution for marketplaces; a Bank Account Verification API; a dedicated UPI stack for businesses and Auto Collect - a virtual account solution to match inbound payments to customers. It counts Xiaomi, Nykaa, Zomato, Zoomcar, Cred, Swiggy, Shell, Zepto, Dunzo as well as donation platforms like Ketto and Milaap amongst its customers. Cashfree is a licensed payment aggregator in India and works with all leading banks to build the core payments and banking infrastructure that powers Cashfree’s products. Cashfree is also integrated with major platforms like Shopify, Wix, Paypal, Amazon Pay, Ola Money and Google Pay.

Treinta is a digital ledger app for Latin American microbusinesses with over 5 million users across 18 countries. Through Treinta, users can easily record transactions by assigning products from their inventory and see how their business metrics evolve in real time. Users can also access a B2B marketplace and digital payment solutions.

Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.

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

Ziina is bringing the next generation of financial services to the Middle East.

An end-to-end platform that allows financial advisors to put their clients into curated alternative assets without additional operational lift.

Drip is a digital trade finance startup. Trade finance is an age-old paper-based industry dominated by banks that focus on large, established corporate customers. Today, however, small businesses account for 40% of trade, but still remain neglected by banks. Drip is using technology to re-build core parts of the trade finance infrastructure and make the underwriting and financing of B2B transactions seamless for small businesses. Our mission is to level the playing field for small businesses and to finance their trade at the click of a button. Drip consists of experts in both finance and technology and has offices in Palo Alto and Mumbai. Drip is backed by top tier investors Accel, Sequoia, Wing, Initialized and Y Combinator.

Building a plug-and-play suite of APIs to enable financial inclusion. OneFin is backed by marquee investors from Silicon Valley like Y Combinator, Khosla Ventures, etc. Leading NBFC, SFB and fintech companies in India are our users. We have enabled loan disbursement/migration of more than $600M in last few years across more than 1 million loans across education loans, EV financing, business loans, credit line, 2 wheeler financing, personal loans, invoice discounting, and various other credit products.

Nash enables finance teams to manage all their finance flows in one place and craft their money flow experiences globally. Our ledger-based operating system allows your borderless business to connect all your money accounts, accounting systems, payment service providers, treasury operations, spend management in one place. Our mission is to enable borderless commerce in Africa. We achieve this initially by providing your team with all the finance tools needed to build, scale, and grow your borderless business without the need for a costly and complex in-house infrastructure.

Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.

Cumbuca is the first digital group account for Brazilian families. By grouping individual accounts with a shared permission system that's completely customizable, Cumbuca mimics the experience of American joint accounts - which aren't available in Brazil - providing features such as shared savings, debt tracking and bill splitting on everything from utilities to groceries and online delivery, so you don't ever have to argue with your loved ones again.

Koshex is building Wealthfront for India with data-driven insights around day to day finances for an individual to save more and invest well. We are automating wealth creation for 400 million Indian millennials with access to more than US$700bn of individual investable wealth.

ClaimSorted helps insurance companies remove the hassle of managing claims by enabling them to outsource their claim operations to us. This service is known as a Third Party Administrator (TPA). Unlike traditional TPAs, we blend AI and best-in-class experts to deliver a 5-star customer experience, minimise mistakes and speed up claim assessment.

Bridgecard is the card issuer for Africa. We make it easy for any fintech company to offer their customers a card that will carry a Mastercard or Visa logo and will work anywhere in the world. Previously Tunde was building open banking APIs connecting Large banks in Nigeria to fintech companies. He also had to turn down a job at Google to build Bridgecard. Festus the CTO built the loan and retail management app at Trade depot (Salesforce for Africa). We've been working together and sharing the same room for over 10 years now.

Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically. 400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend. We're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone. Potentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. More interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships. We acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds. Our long-term vision is to become a one-stop asset management solution for millennials.

Blockchain based online bank

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

Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). Join us on this journey toward financial empowerment.

Breezeful gets you the best mortgage online from start to close. Instead of dealing with multiple banks, credit checks and in-person meetings, we’ll use your income, credit score, and other financial data from your application to negotiate with hundreds of lenders on your behalf in seconds.

Pigeon is a relationship based technology platform that facilitates the creation and management of loans between friends, family, loved ones, and anyone who trusts one another. By providing smarter ways for people to mix money with their relationships, Pigeon seeks to empower individuals to borrow and lend money with the people they trust.

Stream enables insurance and adjacent professionals such as lawyers, nurses, and claim adjusters to review medical documents faster and better than ever before.

We use AI to respectfully collect account receivables from $50 to &97k. We got 50% collection rate within 20 Days (vs. human got 3%) We only need an excel file to start (we integrate as well). Our most notorious customers include Deel, Flexport, Clipboard Health, Plane (ex-Pilot) etc... No risk for your brand (Debtor NPS: 93)

Finnix is a financial technology solutions provider for Indonesian creative businesses. We provide loans and financial management tools for event organizers, agencies, concert promoters, and others.

Centauri AI is a modern ETL and Data Science platform for banks and investment firms, starting with Structured Finance. Financial firms heavily rely on Excel, PDF, and PPT files to exchange complex asset details, leading analysts to spend hours crunching the files and extracting insights. Moreover, these data files and reports cannot be easily reused due to poor data infrastructure. Powered by AI, our product cuts hours of data wrangling work down to minutes and makes it possible to query past data easily. This helps firms evaluate assets faster and win more deals. Since launching last month, we've started a pilot with a brokerage team at a public investment bank that now uses our product daily. Aiming to serve over 100,000 investment teams needing complex data analysis for alternative investments, this opens up a potential $5 billion market.

Fizz is the debit card for college students that helps build credit. There are no fees, no security deposits, no interest rates, and nothing to be afraid of. We want to be the financial ally of young adults, so we’re also building a network of personal finance resources to help students become financially free.

Prodigal is a pioneer of Consumer Finance Intelligence, a new category of AI software that derives actionable insights from customer and patient interactions. Lenders and healthcare providers rely on Prodigal to boost profits, customer experience, and compliance by optimizing operations and quality assurance in their loan servicing and collection contact centers.  Prodigal’s global team, whose backgrounds intersect at financial services and data science, is headquartered in Mountain View, California. Backed by technical and industry experts, Prodigal’s mission is to build the intelligence layer that powers Consumer Finance, becoming the next iconic vertical SaaS company. Nearly one in five U.S. borrowers have already engaged with Prodigal over more than 200 million interactions.

Shelf is the first Neobank in India focused on Young Professionals. It gives them easy banking & payment services and makes it effortless to pay bills together with friends.

Wagetap is a mobile app that allows users to get an advance of up to $2,000 on their next payday and pay their bills in more manageable installments. Wagetap's vision is to offer a suite of financial products to become the financial partner for everyday people.

NowPay, a FinTech startup founded by ex-employees of IBM, Microsoft, Orange and Amazon, is building a financial-wellness platform for employees in emerging markets. Saving, spending, budgeting and borrowing. Those are the 4 pillars of financial-wellness. NowPay aims to improve every aspect of those for employees by building products that tackle every vertical. NowPay enables employees to get their salaries in advance at any point in time during the month and also pay their bills instantly. NowPay is backed by 500 Startups, Beco Capital, Endure, Plug and Play, MSA Capital, 4dx, Foundation Ventures, EFG and Beltone and has raised 3.7m USD so far.

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.

Payments and subscriptions platform for digital businesses and global companies scaling in Latin America With our platform and API, companies can integrate over 100 local payment methods from the region, including cards, bank transfers, cash, and even wallets. In addition, they always receive the best human support with fair pricing and utmost transparency, enabling them to scale across the region 10 times faster.

Envelope is an autonomous Mint with built-in banking. Imagine a platform that can move your money to optimize your balance sheet, negotiate bills on your behalf, and segment your finances to actually reflect the mental accounting happening in your brain. We are structured to be the primary checking, savings, and investment account for our users.

Malga gives digital businesses access to multiple payments services through a single integration, and the ability to change between them on a transaction to transaction basis without writing code.

Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools.

TokenOwl aggregates crypto and other financial accounts in one place with trustless AI. It lets highly active traders calculate taxes with greater accuracy and generate AI powered insights about their portfolio. Users can execute trades with prompts, build custom dashboards, and query their logs in natural language. Low fee networks like Solana have brought a new generation of traders with thousands of transactions, and TokenOwl saves them hours of time and unlocks analytics that lead to higher profitability.

We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.

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.

Jeeves is an all-in-one corporate spend and expense management platform for businesses in global markets including North America, Latin America, Europe, and the UK. Cash, corporate cards, and cross-border payments all run on the Jeeves proprietary infrastructure which allows companies to spin up their finance function within minutes. Jeeves can handle multiple currencies for payback. More than 3,000 companies across the world trust Jeeves with their financial payments tack. Jeeves has raised $380 million from Andreessen Horowitz, CRV, GIC, Tencent, Silicon Valley Bank, Stanford University, and Y Combinator to fuel its international expansion. Our product platform covers the following: 1. Jeeves Pay: Do you need to send capital calls between US & LATAM? Need cross-border payments that arrive as soon as the same day? Transfer money internationally to over 150 countries at competitive FX rates with Jeeves Pay. Payments arrive as quickly as the same day between North America, South America, and Europe. Credit line options available depending on region. 2. Jeeves Cards: Equip your team with globally-accepted physical cards for in-person purchases. Ship cards overseas for free or create virtual cards in seconds for secure, online purchases. Prepaid & credit options available depending on region. 3. Expense Management: Collect receipts through the mobile app, review expenses in real time, and streamline global reporting capabilities - all at no additional cost. Benefits of the Jeeves Payments and Spend Management global platform include: -- Free built-in expense management tools -- No personal guarantees or contracts -- Unlimited cards and users for free -- No monthly fees or software fees -- Competitive cross-border payment pricing -- Spend and pay in your preferred currencies -- Business accepted in Brazil, Canada, Colombia, Mexico, the EU, the UK, and the US. Built for global companies. Loved by finance teams, including a large YC contingent. Join us today!

We enable brands to launch Credit-as-a-Feature in under 5 mins. They can simply use our Plugins or Copy-Paste style APIs and go live in under 5 minutes without worrying about how Credit Risk or Capital/Compliances etc will work. Simply connect with the BharatX platform and start disbursing Credit. Be it to enable a White-Labelled Pay Later option on Checkout or to give your Neobank's users a White-Labelled Instant Credit-Line option. You can enable it all, as fast as 5 mins! So next time you buy a course on Frontrow use "Frontrow Pay in 3" and while shopping offline, @Spenny's (YC) "Credit" feature to pay to Merchants Offline on UPI.

Ivella builds banking and savings products that are designed for couples, no matter where they are in their relationship. Whether you've been dating for months are signing up for the The Split Account or have been married for decades and are signing up for The Joint Account and Savings Pods, we've got a product for you.

Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.

BukuWarung is SEA's fastest growing startup and we are building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping, online storefront and payments. BukuWarung has raised $80M from top tier VCs globally: Peter Thiel's Valar Ventures, Goodwater Capital, Y-Combinator, Rocketship.vc, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, SoftBank Partners, DST Global Partners, and strategic angel investors from Stripe, PayPal, Plaid, Grab, Gojek, Facebook, AirBnB, Fast, Mastercard.

Moonshot Brands is building the world’s largest - next-generation CPG (Consumer Product Goods) e-commerce company. We look for profitable e-commerce companies on Amazon or selling DTC on Shopify, purchase them from the founders giving them liquidity for their biggest asset, then turbocharge the growth with our proprietary data-driven technology platform and team. We scale e-commerce brands globally.

Increase is banking for developers. Anything you can do with your bank, you can do via API. If you transfer, store, invest, or lend money, we can help you move faster.

AlgoTest is an algorithmic options trading platform for Indian retail traders. For the first time ever, day traders will be able to trade using the same technology as the top hedge funds and high-frequency trading firms of the world. The company is founded by Raghav Malik (Financial Engineering @ Columbia Univ), an HFT technologist and former options market-maker in the US; and Rajat Jaiswal (IIT Delhi CSE), who built their scalable algorithmic testing platform while still in college.

UpBanx is Brex for D2C brands and content creators in Indonesia. We help our customers open a high-yield business account, get financing, manage transactions, and launch Web3 projects, all in one place. There are over 700k D2C brands and content creators in Indonesia. If we serve all of them, that is a $14b/year market opportunity. We've raised $5.6m so far from investors like Y Combinator, Alpha JWC, Alto Partners, CreditEase, Oliver Jung and lndonesia's biggest influencer Raffi Ahmad who has over 100m followers on social. We have also raised from 6 other Y Combinator founders. We are open to working with more investors that can bring strategic value to our long-term roadmap.

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

Founded in 2017, Treasury Prime is an embedded banking software platform connecting enterprise companies to a vast marketplace of banks and product partners to launch next-gen payment ecosystems on their platform. Our banking API offers the quickest, most secure way for fintechs and banks to partner, integrate and build modern financial products and increase revenue streams. We power enterprise-class embedded banking solutions for a range of complex services including money transfer, risk mitigation and integration with bank infrastructure. It's these leading-edge capabilities that helped the company to win Best Banking-as-a-Service Platform from Tearsheet in 2021 and 2022. The company was also named to CB Insights’ annual 2021 Fintech 250 list.

We at Karbon Cards provide corporate credit cards, vendor payment solutions and forex outward remittance products to Indian companies. We partners with banks and other FI's to provide comprehensive spend management and working capital solutions. Companies qualify for credit via a liberalized startup friendly underwriting process. For those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.