Financial Technology and Services Startups funded by Y Combinator (YC) 2026

We're building a commerce solution for SaaS companies globally that have overseas customers. We especially help them with streamlining billing operations like invoicing and reconciliation, managing foreign sales tax and accepting payments. We abstract out the complexities of compliance, remittance and integration for these merchants by running all that machinery in the background.

NowHouse helps stock brokerages settle trades instantly.

Consul is building the future of payouts for the online economy. We make it easy for marketplaces, agencies, and startups to make payouts using stablecoins.

Dropback is building front office software for the future of college sports. We help major athletic departments manage their teams' "salary caps" and roster limits to construct their most competitive rosters. Just two years ago, it became legal for athletes to earn an income beyond their scholarships. Since then, despite college athletes earning $2B+, rapid regulation change has put college sports in disarray. Dropback brings order to this chaos through custom compensation frameworks, roster management, what-if playgrounds, and more--ultimately helping elite programs optimize spend & maximize talent.

Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate. Our Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.

The world’s most important organizations deserve the world’s best financial infrastructure. We’re here to make sure they do. At Givefront, we've built a modern financial management platform designed specifically for nonprofits. With real-time budgeting, built-in compliance, and easy integrations, we replace the spreadsheets and guesswork with smart, automated systems. By transforming financial operations from reactive to real-time, Givefront empowers nonprofits to control every dollar, protect every grant, and move their missions forward faster — with greater efficiency, transparency, and trust.

Polar helps remote workers, freelancers, and ship crew manage their USD earnings globally. Using Polar, you can: 1. Get a U.S. bank account in minutes with just your phone and local ID 2. Send money to 120+ countries faster and cheaper than alternatives 3. Earn 2-6% interest on USD savings 4. Invest in gold, Bitcoin, and Ethereum 24/7, starting with $1

Healia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs. We’re now up to 50+ customers coast-to-coast with over 40k employees using our product!

We help fintech risk and AML compliance teams automate and strengthen routine customer due diligence tasks with LLMs. Our AI assistants slash cost-to-comply, improve risk detection and free up capacity for investigations that require human expertise and decision making. Fintechs and banks use us to automate workflows like running thorough due diligence on a legal entity, reviewing customer documents like registry extracts, proofs of address etc and remediating false positive alerts from their AML systems.

Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. SuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.

Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch. We’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.

Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.

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

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.

Greenboard is building a singular, AI-powered platform to handle management of the entirety of financial firms’ compliance programs, and eventually all back office processes. Today, financial institutions use Greenboard to detect risk using AI and to rip out and replace the bad legacy back office tooling they have wanted to get rid of for years. Greenboard's mission is to enable financial institutions to operate their back office teams at a higher standard, with half of the headcount. We’re starting with compliance

For money managers to raise their next billion, they dedicate entire teams to spend days filling diligence questionnaires with recycled content. We do it in minutes using AI. Clients include Bridgewater, Pantheon, Coatue, Onex, Urban Partners, Yarra Capital, Axonic, NIAM, Raith Capital, Intl Farming, Hillsdale, White Oak, etc.

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.

Envelope is a banking app with built-in budgeting. It's similar to Mint, Copilot, or Rocket Money, but our app issues you a checking account during onboarding so there's no syncing or flaky bank connections. We are structured to be the primary checking and savings account for our users. We (Josh and Katelyn) are married cofounders who previously worked on Apple Card and the Robinhood iOS app. We started Envelope because we were using clunky tools like the Chase app, spreadsheets, and Mint to run our family finances and realized we could build something better. In the future, you could go set up a Chase account for checking, E-Trade for investing, SoFi for savings, Ally for money market, Greenlight for kid cards, PLUS the Mint/YNAB/Rocket Money to glue it all together + budgeting, or you could just use Envelope. _Envelope is a financial technology company and is not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted._

Capi helps businesses in emerging markets make international payments. Importers in emerging markets pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in emerging markets the same price and speed as we expect in the US and Europe.

Flex is a payment platform for businesses to accept HSA/FSA, unlocking the $150B per year sitting in HSA/FSA accounts.

Coba makes it easy for Mexican knowledge workers employed by US companies to earn in US Dollars and seamlessly spend locally in Pesos. On average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way. These workers’ require more than simple money movement, they demand a financial solution that addresses their specific needs: banking, saving, spending - all in two currencies. Coba allows its users to not only deposit and save their earnings in a US account, but also access critical financial services at home in Mexico - from a local credit card to integrated bill pay. With Coba, remote workers can live across two currencies... efficiently and effortlessly.

Vaultpay is building a digital banking platform for 30 million smartphone users in DRC and the country's largest agent network. For example, a young Congolese entrepreneur who just won a subcontract with a major mining company can now easily open a personal and business account, receive payments, all from their smartphone, instead of spending hours at bank branches.

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

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

When a lender gives out a car loan, they need to file a lien with their borrower’s DMV. This is difficult because the process varies by state and county. We’ve leveraged LLMs to help lenders automate lien filings for over $1B of loans.

Bretton AI (formerly Greenlite) is the leading AI agent platform for compliance in financial services. Regulated banks and fintechs — including those overseen by the OCC, FDIC, and SEC — trust Bretton AI to automate mission-critical work like sanction reviews and anti-money laundering investigations with speed and accuracy.

Slicker eliminates involuntary churn through AI-powered retries, tailored for your business. Our proprietary engine automatically monitors, detects, and recovers failed recurring payments, so you can convert past due invoices into revenue.

Eden Care is building the claims infrastructure for African health insurance

We are rebuilding the core infrastructure behind corporate health insurance, everything from care navigation, analytics, claims, and more. Fully cloud-native and AI-first. We are eager to directly impact the health and savings of 60% of the American population.

Pump saves up to 60% off AWS for early stage startups, and for free (yes, that's right). Using group buying and AI, Pump automates cost savings that require no engineering effort. #GetPumped

The world's first AI agent that coaches founders & invests in them. Currently led by a repeat AI founder Alexander Nevedovsky (exit to Farfetch), who joined post-YC batch: https://www.linkedin.com/in/ednevsky 👋

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.

Ruby is a neobank that offers e-commerce businesses a flexible spend management solution and direct integrations with commerce platforms. By combining banking and commerce data, Ruby provides businesses with a real-time, unified view of their financial health and money movement, empowering them to make better financial decisions and scale their operations.

Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets. We aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.

Rainmaker is an account abstraction-based crypto wallet that makes DeFi investing simple and fast. Set up a wallet with just an email, instantly deposit funds from your bank or credit card, and invest in DeFi without gas fees.

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

For millions of Americans, taxes are far more than a simple W-2. Managing investments, property, or a side business creates a world of complexity that makes DIY software risky, while traditional CPA help is often slow, expensive, and reactive. This broken system causes anxiety and leaves billions in potential savings on the table every year. Rally is the modern solution for tax peace of mind. We are an AI-powered tax platform that provides proactive, year-round strategic guidance, not just seasonal filing. Our unique approach combines a smart platform that automates 80% of the manual work with a team of in-house experts to provide strategic advice. We deliver the expertise of a private advisor with the convenience and access of a modern tech company. Our vision is to use the trust we earn in taxes to become the definitive financial co-pilot for our customers. We will expand from tax strategy into a full suite of services that helps millions of people proactively manage and optimize their entire financial future.

End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates.

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

Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets. They're growing 40-45% weekly and made $110K GMV last week. Over 50% of vehicles sold will be electric by 2030. The payments management infrastructure for EV charging and the expenses doesn’t exist at the moment. The founders operated 100+ EV charging stations, worked in companies like Zipcar, Bosch, and Mercedes, and faced this problem through their own experiences. They built a team with a strong fintech background and publicly launched their Bluedot card on Dec 14th, 2022. Bluedot has raised their pre-seed from Y Combinator, Axel Springer, Porsche, Ford, TechNexus, DRF, and Pritchard Automotive.

Finic helps fraud teams catch organized fraud earlier, act on it faster, and turn discoveries into lasting defenses. Our AI agent analyzes structured and unstructured data across your systems to proactively surface the fraud that rules and scoring models miss.

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.

Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.

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.

Mercoa helps AP and Spend management platforms drive more virtual card volume from their BillPay customers. Our agent identifies card-eligible invoices and securely pays them through supplier portals or payment links.

We make it easy for founders to do billing right out of demo day. Every B2B startup faces the same billing nightmare: unique customer terms, custom pricing, usage tiers, and discount structures that make manual billing a costly mess. Hiring billing specialists adds overhead and introduces human error right when you need to move fast. JustPaid makes billing effortless by extracting billing logic directly from your contracts—whether they're PDFs or stored in your CRM—and automatically generating accurate, timely invoices. Already using Stripe, DocuSign, CommonPaper, HubSpot, or Salesforce? We integrate seamlessly with your existing stack. Maintain control while automating the complexity. No more pricing disputes. Faster cash flow. Fewer headaches. - Move fast: Bill customers from day one without hiring specialists - Scale smart: Handle complex pricing models without operational overhead - Stay focused: Spend time building your product, not managing invoices - Reduce risk: Eliminate human error in billing calculations We're always asking ourselves: How can we make a company's financial operations effortless so teams can focus on scaling? - We don't settle - We are passionate - We are serial entrepreneurs We aim to make a dent in the universe.

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.

Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails. We provide our solution through two Plug and Play integrations: PID payment button: End-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates. Technology: API, SDK, Checkout UI. Immediate disbursement: Single API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet. Technology: API, Dashboard UI.

Littio is a neobank focused on solving the currency devaluation problem for Latin Americans. The product offers a Savings Account, a Mastercard debit, and investing options in U.S. dollars to help people avoid the currency risk.