Finance Startups funded by Y Combinator (YC) 2026

ValCtrl is building the world model for Prediction Finance. Prediction markets contain useful prices about the future, but today those prices are fragmented across venues, titles, rules, and proxy contracts. Users think in beliefs; markets are stored as scattered contracts. Our first product is Kassandre Search. Users type a natural-language belief, and Kassandre maps it to relevant prediction markets with backtrace and quality labels. Existing markets are the first scaffold. The long-term product path is search -> composed exposures -> native quotes -> gated bet/trade placement, with legal/compliance gates respected at each step. We are looking for hard belief-to-market queries from forecasters, investors, operators, and YC founders.

KelAI is an AI research engine for hedge funds and institutional investors. It captures the full investment research process in one platform and runs it autonomously from idea generation to data analysis, backtesting, validation, monitoring, and feedback. KelAI is built by Jeremie Cohen, a former systematic equity PM at WorldQuant with deep machine learning experience, after years inside institutional quant research. Hedge fund research is constrained by human throughput and lost context. Teams can only explore so many ideas, and much of what they learn gets scattered across siloed systems. KelAI unifies the research loop into one continuous workflow, empowering institutional investors with an AI research team they can scale on demand, while capturing the full context so every cycle improves the next one.

Arden is the AI-native platform for internal audit and SOX teams. We build AI agents that automatically pull evidence from your stack, test controls end-to-end, and produce audit-ready workpapers in minutes instead of weeks. Internal audit is a massive but underserved market. Every public company in the US is required to do SOX testing, yet teams still run it through spreadsheets and screenshots. Arden is the engine that does this work.

HEVN is API primitives for global payments. Companies use our API to build internal tools for paying contractors in 100+ countries, replacing Deel and Rippling with custom workflows tailored to their business. The opportunity is that AI codegen made internal tools cheap to build. A company that used to pay $50 per contract in huge SaaS can now build their own version in days, if they have the financial primitives. We provide those primitives. Team previously built HOT Labs - 15M users, $100M TVL, #1 crypto app on DappRadar for 8 months. Operated companies across SF, UAE, BVI, and HK, and felt all the pain of global payments automation ourselves.

Archer is the AI business bank. We help companies deploy AI agents that can spend, purchase, reward, and move money on behalf of their business. Instead of relying on employees to manually execute every financial action, businesses can give agents budgets, permissions, and goals, allowing them to take action automatically when important events occur. Our flagship feature is agentic commerce. Businesses use Archer to deploy AI agents that can purchase goods and services in the real world on behalf of their company. Today, companies are using Archer to automatically send personalized physical rewards when important business events occur. A customer completes onboarding. A partner generates a referral. An employee hits a milestone. An agent understands the context, purchases the reward, and handles execution automatically. We believe physical rewards are just the beginning. The same infrastructure that allows agents to purchase and send rewards today will allow them to route revenue, incentivize employees, run referral programs, manage payroll, and execute financial actions across every part of a business. As agents gain context from CRMs, product data, Slack, Linear, Notion, internal systems, and APIs, they become increasingly capable of understanding what is happening across a company and taking action automatically. For hundreds of years, businesses have used software to manage information and banks to store money. We believe the next generation of businesses will rely on AI agents to make decisions and take financial action on their behalf all within their bank.

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.

Oddpool is a platform that helps quant funds and trading desks harness the power of prediction markets. We make it easy to access, search, and analyze every venue from one place. Avi and Ritesh have been roommates since freshman year at Georgia Tech. Avi has a Master's in ML and saved Microsoft $6M/year by building a more accurate model on half the hardware. Ritesh has a Master's in Distributed Systems and made buy-side trading systems at Bloomberg 40% faster. We started trading prediction markets ourselves but couldn't backtest our strategies because the tooling for this emerging asset class didn't exist. The deeper we went, the more we saw that fragmentation between prediction markets and lack of clean data was going to be a big problem. We launched a prosumer tier and grew to several thousand dollars in MRR within months. Now we're bringing it to institutions, building tooling with the rigor and depth serious desks demand. They're the fastest growing asset class in finance, and CFTC applications for new exchanges keep climbing. Each new venue makes the market bigger, the fragmentation worse, and the unified data layer more valuable. It doesn't exist yet. We're building it.

Goldbridge is building the financial operating system for the largest asset class in the world – real estate. More than $1T in rent flows through landlord bank accounts annually, with roughly a quarter locked in idle reserves and security deposits – and billions more leaking from unnecessary property expenses. And with $2.5T in real estate loans about to mature in 2027/28, property owners are desperate to boost their income ASAP. Goldbridge solves this problem by creating the first AI-powered banking platform for real estate owners. We are backed by Y Combinator and other world-class investors, and our founding team includes a 2x YC founder, former White House advisor, and 100-unit real estate owner/operator with deep industry expertise. Come help us redefine the future of real estate.

We make your agents pay. As agents evolve from tools into dependable, autonomous actors, they’ll need the ability to execute open-ended workflows end-to-end. This inevitably means payments: accessing paywalled data, transacting for services or with other specialist agents. But autonomy requires guardrails. Businesses and developers will need a way to ensure their agents only spend how much and on what they’re supposed to. The machine economy is coming, and Locus (YC F25) is building the connector businesses will need to participate. We connect agents securely to funds, letting you define permissions and limits for every transaction. Each payment is traceable, auditable, and fully reconcilable with your existing financial stack.

Crunched is the Excel AI analyst for power users - in consulting, investment banking, and private equity. It error-checks workbooks end-to-end, builds models from scratch, and handles grunt work like extracting and linking data from IMs to template models - all within Excel so teams can review and iterate as usual. Agents struggle with tabular data - getting reliable, multi-step execution over thousands of interlinked formulas, sheets, and ranges is hard. Making Crunched good enough for people who live in Excel means knowing the pain points deeply. Michael and Philip has 10,000+ hours in Excel across consulting and finance. Markus and Lars bring deep expertise in scaling AI and enterprise solutions. We've had easy access to first customers and are already live with firms across six European countries - we now plan to expand into the US. With >1bn total Excel users, we focus on the top 2%, highest-value Excel users globally. We're solving one pain point at a time to create a product that doesn't just look good in a demo but actually works in production. Excel is here to stay, but the way experts model is fundamentally changing - with Crunched.

Selfin is developing AI-powered banking. Users can enjoy personalised recommendations and optimisations of their finances by connecting all their financial products on a single platform.

Soren develops private AI infrastructure for teams in regulated industries. We make it possible for organizations to safely bring modern AI into their everyday workflows.

We're building the first fully autonomous accounts payable platform. Our AI clerks handle your entire AP workflow: invoice processing, GL coding, PO matching, approvals, responding to vendors, fraud detection and reporting. From the moment an invoice hits your inbox to the moment it's paid, no manual steps required. We integrate with 16+ ERPs including QuickBooks, NetSuite, SAP, Dynamics 365, and Workday. Find out why enterprise teams choose Mod AI at usemod.ai.

Serafis is building super-intelligence for financial markets. We mine petabytes of unstructured data to identify narrative inflections before they become consensus. Think building early conviction in Bitcoin (2014), Tesla (2018), or Nvidia (2022). We are already live with 12 organizations managing over $70B in capital.

ProcIndex is a full stack AI accounting firm, with a suite of agents to automate quote to cash, accounts payable and month end close processes end to end. ProcIndex connects with your existing ERP, operates in the background while giving you full visibility into the agent actions and powers accounting teams to become 33% more efficient.

Parsewise provides multi-document processing and analysis that you can embed in your own product. Operations teams use our platform for oversight and control over their fleet of AI agents, and our MCP to make Claude work at scale with traceability. Tech teams use our API to replace complex processing pipelines resolving values across documents. We help customers assess complex risk at scale: manage casualty, specialty, KYC, and financial risks, so teams can act faster and defend their decisions with confidence.

Tejas AI eliminates uncertainty, allowing decision-makers to develop and evaluate credit rules more quickly and effectively.

Agent teams for professional work.

Trata is an AI-powered research desk for hedge funds. We use agents to interview hedge fund analysts, write investment research, and distribute this through a subscription.

Month-end shouldn’t be a race against the clock. For most mid-to-enterprise finance teams, accruals are a manual bottleneck. Chasing missing invoices and manually updating spreadsheets can eat up 4+ days of every month-end close. Mesh changes the timeline. We automate 90% of the accruals process by capturing real-time usage and service signals directly from your AP inbox, Slack, Teams, and historical journals. We turn fragmented data into audit-ready outputs, so you can stop guessing and start closing. See how top teams are accelerating their close by 4+ days at www.usemesh.com

finbar is the AI investment analyst used by several top-20 (AUM) hedge funds. It automates financial modelling, research, and data analysis so multi-million-dollar decisions can be made 100x faster.

Keye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha. -- Our system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions. -- Keye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.

We’re a research lab that puts its ideas to the test in one of the most complex, information-rich environments in the world: the financial markets. If you care about learning systems, clean abstractions, and applying research in the wild - we’re hiring.

Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money

Today, onboarding, servicing, and collections still depend on large human teams — which means operations scale linearly with loan volume. PathPilot deploys specialized AI agents that handle 60–80% of high-volume operational workflows, turning human-heavy processes into scalable software. These agents operate alongside internal teams — embedded directly into existing systems. This allows lenders to grow loan volume and revenue without proportional headcount growth.

Modus helps companies hire and retain only the people they need instead of becoming bloated messes. Modus connects your HRIS, ATS, and analyzes extensive data across your organization so leaders can detect, inspect, and correct their workforce plans - without relying on spreadsheets or complex systems. Lin experienced these challenges firsthand as a VP BizOps at HashiCorp, scaling from 100 employees to IPO, while Chris and Amar faced similar issues scaling 40+ person teams as a fractional CTO. They’re motivated by the belief that companies should have the least number of employees possible.

bluedoor is a CLI tool for stock research.

Sharpe helps traders go from idea to profit in minutes with AI, bundling petabytes of market data with high-performance infrastructure. Sharpe helped a top 5 quant firm find $10m+ of profit within a few hours of deployment.

LedgerUp is your AI billing teammate for B2B SaaS, transforming contract-based billing from a chore into a frictionless, revenue-accelerating process. We parse contracts, issue invoices, and collect payments in real-time, all while surfacing actionable analytics, allowing your finance team to escape spreadsheet chaos and focus on strategic growth. Just close deals and let us handle your billing for you.

Benchify provides an execution layer for healthcare contracts, applying contract logic across audits, claim processing, and optimization. Payments are calculated correctly today, while contract performance becomes measurable and improvable over time.

Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. Clients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. Sebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.

Elevate is bringing AI to private equity-backed roll-ups. For example, one of our customers is Guardian Restoration Partners, which is backed by Alpine Investors, the leading roll-up focused private equity firm. In three months, we integrated 10 acquisitions and enabled them to pilot AI agents built on top of our data warehouse. We know this problem personally. Before Elevate, Scott was a Vice President at a $15B private equity firm where he was leading a roll-up. Steve and Jeff are both software engineers with backgrounds across finance, big tech, and start-ups. The founding team has been friends for over a decade from their Duke undergraduate days.

FINNY is the AI-native organic growth engine for financial advisors, focused on helping them grow their practices Our goal is to empower financial advisors to reach the right potential clients at the right time, with the right message. We are building a world where anyone who wants financial advice can connect with the right advisor, while helping advisors ensure organic growth, the most existential problem advisors face. The organic growth process has historically been highly inefficient and full of noise. Advisors often waste 60+ hours of business development to convert 1 new client. At FINNY, we are certain we can do better with AI. With our tool, advisors can: - Identify prospects within their target niche, aggregating thousands of data points per lead - Prioritize prospects based on their predicted likelihood of converting using F-Score, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, FINNY does all the rote work for the advisors, letting them focus on what actually matters: the client relationship.

Clarum automates diligence, monitoring, and reporting for private market investors. Our AI agents learn how each firm works and automate their process end to end. Everything is individualized (checklists, templates, scoring models) and adapts as your process changes. Clarum also acts as a self-updating knowledge base across every document your firm has ever seen, connecting dots no analyst could.

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

Team: Chaz: Founder of Fat Llama YC S17 - Acquired by Hygglo. Responsible for Business and Sales Arns: Founder of Fancy S20 - Acquired by Gopuff, Responsible for tech and product.

At Omni, we’re rebuilding how banks and fintechs lend to small businesses. There are 34 million small businesses in the U.S., yet getting a loan still means weeks of emails, PDFs, and paperwork. Every deal starts with a pile of documents — tax returns, bank statements, corporate filings, and contracts that no one wants to read but everyone depends on. Omni is changing that. We work directly with lenders to modernize the entire stack, from document intake to underwriting, and we’re doing it with a small, fast-moving team that ships real systems used in production every day.

Accend helps commercial banks and fintechs underwrite business customers faster, win more deals and increase revenue. We provide an end-to-end platform to automate document intake, financial statement / tax spreading, cash flow modeling, credit memos and portfolio management, with audit-ready AI and human-in-the-loop accuracy. Companies like Corpay, Brex, Rippling, Rho, Column, Settle, and many others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting efficiency Before starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.

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.

VectorShift is the AI operating system for private market investors.VectorShift is the AI operating system for private market investors. We capture a firm's institutional knowledge across every deal, decision, and diligence finding, and put it to work across data room analysis, IC memos, portfolio company monitoring, and LP reporting.

Cedalio is the AI agent platform for the Office of the CFO. We automate procurement, AP, and the data flows behind them — from invoice intake to 3-way match to payment — so finance teams stop doing the work and start governing it.

Palomma is building the AI-native bank for real estate in LatAm. We start with AI agents for property managers (leasing, sales, collections), then add payments to own the flow of rent. This unlocks credit and insurance products to monetize on the $235Bn of rental flows from tenants and landlords.

Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.

Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.

Alphawatch AI offers a secure document agent that allows you to manipulate and convert PDF and Word files, along with your internal knowledge in your knowledge base.

There are billions of dollars of hospital waste caused by inefficient, disconnected supply chains and finance data. Today, clinics are facing unprecedented backorders, recalls, and purchase verticals (medical devices, SaaS, security, commodities). We are building a single product to 10x a fragmented industry with each tool built almost 20 years ago.

Mantys helps SaaS companies calculate and forecast their ARR accurately in real time without using multiple spreadsheets. For example, NextBillion uses Mantys to pull data from HubSpot and Chargebee and create real-time views of their Contracted ARR, Billed ARR, Churn, and forecasted ARR

Metal is building the world’s most powerful intelligence platform for private market investors. We support deal teams throughout the investment lifecycle - from market research and sourcing to diligence and post-close. Top-tier funds like Berkshire Partners and Clearlake Capital already rely on Metal to move faster and make smarter investment decisions - and we’re just getting started. If you're excited to transform how private investors work, collaborate, and make decisions, we’d love to meet you.