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

Building extremely affordable financial infrastructure for Africa.

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.

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.

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.

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.

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.

Newfront is building the modern insurance brokerage. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. We work with 20% of US unicorns, 100s of YC startups, and 150+ public companies on their Business Insurance and Total Rewards. Headquartered in San Francisco, Newfront has more than 800 colleagues and offices throughout the US.

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.

We believe in the next generation of finance where everyone around the world can access the global market and liquidity from the tip of their hands. We are building the best mobile trading app that will enable this vision. Hyperliquid is the house of all finance, Instinct is the app of all finance. Hyperliquid.

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.

Soria is an AI-native Bloomberg Terminal built from the bottom up, one sector at a time. Starting with health insurance and hospitals, we aggregate dozens of long-tail public and private data sets into a continuously updated "sector model" that replaces what every analyst currently maintains independently in Excel. Customers get auditable, Excel-like dashboards, which are activated by platform features including search, AI chat, alerts, an excel add-on and MCP. We are already working with many of the largest banks and hedge funds, and now we're expanding to all of healthcare before moving to other major verticals.

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

Allowance lets AI agents make purchases on a user’s behalf without ever exposing your real card number. Users approve purchases directly from their iPhone with customizable controls like spending limits, merchant restrictions, and expiration windows. Once approved, Allowance generates scoped, one-time payment credentials designed specifically for that transaction. This enables AI agents to safely complete tasks like shopping, ordering food, booking reservations, or purchasing tickets while keeping humans in control of every payment.

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.

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

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.

Huscarl solves the inefficiencies of the $1T USD corporate insurance market through technology. We’re backed by Y Combinator and operate in the US and Europe. Most companies are overinsured in some areas and underinsured in others, leading to bad protection and use of their money. Our approach helps large companies ($50M+ turnover) save -30% premiums for improved coverage and manage their own risks like an insurance company would. As an AI-native firm, we’re assembling a small team of elite individuals empowered with extreme AI leverage.

TLDR: Mount is building the AI insurance carrier, starting with liability coverage for deployed AI agents. As everyone moves AI Agents into production and gives them more responsibility, we help businesses insure and secure them. Whenever responsibility shifts from human operators to autonomous systems, so too does the liability that accompanies it. The systems also introduce new risks: agentic software failures, prompt injection attacks, autonomous workflow errors, data leaks, and more. Legacy insurance was not built for this. Existing policies are often silent, ambiguous, or exclude autonomous software, and traditional insurers lack the data and technical capability to assess deployed AI Systems. Our first product, the Mount AI Liability Policy, is built for mid-market and enterprise companies deploying autonomous AI agents in real business processes. We scan and red-team AI deployments, quantify operational risk, help fix vulnerabilities, and insure the residual risk with purpose-built AI liability coverage. Mount is best thought of as a highly automated version of today's commercial insurance carriers, which run on manual workflows, layers of intermediaries, and tens of thousands of employees. AI enables automation of underwriting, pricing, policy issuance, claims, fraud detection, customer support, and distribution. We believe that the best way to use this opportunity is to rebuild those processes from the ground up.

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

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

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

Kimpton is the AI research platform for the buy side, built by ex-Goldman engineers who left to start a hedge fund with $10M and ran it for four years before productizing the stack. Portfolio managers spend most of their day on work that isn't investing: filings, earnings prep, 13Fs, peer benchmarking, thesis validation, trade writeups. Kimpton runs all of it autonomously and delivers structured Trade Proposals with full rationale, fitted to a portfolio manager's mandate and strategy. Risk profile, style, and constraints live in plain-text mandate.md and strategy.md files that drive every analysis the system performs. The rest of the desk sits alongside: Deep Research cited to source, natural-language Dashboards, Agentic Charting & Backtests, scheduled Skills for recurring workflows, and auto-generated Reports. Coverage includes FactSet pricing, fundamentals, estimates, transcripts, ownership, and M&A data, plus live prediction markets from Polymarket. Humans make the decisions. AI does everything else.

Commercial lenders manage billions in assets but service their loans like it's 2005: spreadsheets, legacy software, and teams of people doing manual reconciliation all day. Zolvo replaces that entire back office with AI. We automate reconciliation, verification, collections, and reporting so lenders can scale their portfolios without scaling their teams. We're building the operating system for commercial lending

Palus Finance is the first treasury management platform with a higher-yield bond portfolio for companies’ idle cash. We launched in late February and are live with 33 companies, growing 110% week-over-week. Existing startup/SMB treasury products just sweep cash into a money market fund and charge a high management fee. Palus offers a short-duration bond portfolio which safely earns ~40% more yield than money market funds, with sub-3-day liquidity, and 5-minute setup with customers' existing bank accounts. We see treasury as a great wedge to eventually offer full-suite banking services to all high-growth companies. Sam and Michael are technical cofounders who met at Caltech. Sam previously built the AI research platform for a $3T AUM asset manager; Michael built quantum computers for the defense industry.

Valence is a unified trading platform for prediction markets. We provide infrastructure to aggregate and execute contracts across Kalshi, Polymarket, and other platforms, surface arbitrage and mispricing opportunities in real time, and give systematic traders the API and backtesting tools they need to build and execute data-driven strategies on anything.

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

Launch crypto deposits in minutes. Unifold is a developer-first API + SDK that makes it easy for any app to accept on-chain deposits – across any chain and token – with less than 10 lines of code. We handle the full deposit flow so teams can ship faster and give users a smooth experience that actually works. If you’re building a consumer-facing on-chain product and want best-in-class deposits (or want to support more chains fast), we’d love to work with you.

ZeroSettle is a mobile SDK that switches customers from App Store billing to direct billing. It takes 15 minutes to set up and immediately unlocks zero App Store fees, higher retention/conversion, and instant payouts.

Maywood is the first finance-compliant proactive AI that runs 24/7, working across your network, pipeline, and active processes, running constantly in the background and surfacing things you'd otherwise miss. It tracks relationships and sector context to flag when a target is gearing up for a process (and drafts the outreach in your voice), watches network activity across LinkedIn, news, and conference follow-ups, and surfaces where active processes stand, including what's at risk since you last looked. It also auto-updates CRMs and trackers and creates meeting briefs that includes relationship history, recent activity, deal context, external research, talking points that can pull from internal and external data sources. Dealmakers interact with it over email, Teams, or the platform itself.

We're building the Harvey for traditional financial services, starting with compliance use cases for small- to mid-sized banks in the US. Specialized AI agents for banks to 10x back office functions, which helps them pass regulatory exams and improve their efficiency ratios - the top 2 things every bank board cares about.

Axis is building an AI Native Trading System, allowing a trader to deploy models that monitor and analyze relevant markets and strategies. We've chosen commodities as our first market. Commodities make up a third of global goods exports, and physical commodities traders decide the movement and storage of metals, agricultural products, and energy across the globe. They trade in public markets and bilateral OTC agreements. Engaging in these markets is complexing, covering derivatives positioning, refinery data, storage inventory, import/exports, geopolitical events and more. Axis is building an AI driven analytical layer for these markets.

Grade is the API for performance-based payroll. Think of us like Deel or Gusto, but our payouts are for work completed, not hours. Companies use Grade to pay AI agents and contractors based on results: tasks completed, targets hit, work delivered. We handle compliance, tax reporting, and global payouts.

Forum is building the first exchange to trade on cultural attention. We create indices from search, social, and streaming data to measure what the world cares about, enabling users to go long or short on changes in relevance. Attention is the primary driver of business success in the digital age, but it has never been directly tradable. Forum introduces attention as a new asset class for managing cultural and demand risk.

Verdex is an AI insurance adjuster. We use data streams like satellite imagery to verify claims, allowing insurers to process it immediately and save billions of dollars. We are currently helping insure over 11% of all American farmland.

SpotPay is a global borderless neobank. We give users one account that works for everything payments related: receiving money from abroad, paying locally, spending anywhere with the SpotPay card and saving and earning on their balance.

Sequence Markets lets traders execute across crypto exchanges, prediction markets, and tokenized-asset venues from one system. We built proprietary low-latency infrastructure and routing software so users can package one market view into one trade with the speed, access, and transparency execution requires.

In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. Kita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions. Under the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system. We’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.

Panta is a technology-enabled commercial insurance brokerage: we combine AI-powered internal workflows with licensed brokers to help businesses secure complex coverage faster than anyone in the world.

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

Amera automates claims processing for health insurance payers. We turn messy claim inputs (PDFs, bills, receipts, EDI and non-standard submissions) into structured data that plugs into existing systems. This cuts manual entry and exception handling, speeding up operations and reducing cost. We are already working with payers / plan administrators representing ~100k members, giving them access to more affordable care options.

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

Alt-X is building the AI-native liquidity layer for private markets. Private markets have created trillions of dollars in value, yet remain fragmented, illiquid, and inaccessible. While public markets benefit from exchanges, market makers, brokerages, and data infrastructure, private markets still rely on brokers, spreadsheets, and manual workflows to connect buyers and sellers. Alt-X uses AI to automate the core functions required to make private assets liquid. We streamline diligence, valuation, investor matching, and transaction execution, reducing the friction that makes private-market transactions slow, expensive, and opaque today. Our initial focus is venture-backed secondaries. We source opportunities from founders, employees, and early investors while building a network of accredited investors seeking exposure to the world's most valuable private companies. Over time, we believe every private asset—from startup equity to private credit and alternative investments—will require modern liquidity infrastructure. Building trusted infrastructure for private markets is difficult. Transactions involve complex diligence, fragmented information, transfer restrictions, and significant compliance requirements. Alt-X is focused on creating systems that can support real transactions at scale, not just marketplace listings. Ryan Samadi (Stanford CS/AI, former Citadel commodities trader) and Michael Wachsman (Cornell CS, infrastructure engineer) are building Alt-X because they believe ownership of innovation should be more liquid, transparent, and accessible. Today, Alt-X has sourced over $1.5 million in transaction opportunities and assembled a network of 40 accredited investors representing hundreds of millions of dollars in investable assets. Our mission is to democratize ownership of innovation by building the financial infrastructure that private markets have never had.

Casey is an AI-native commercial insurance broker. Our producers focus on client relationships and closing business, whilst our AI handles all the operational work behind the scenes.

Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 100+ businesses in construction, security, and the trades.

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.

Freeport is a trading platform for pre-IPO shares, equities, crypto, and perpetual futures. Our AI analysts turn trusted social and financial media into a real-time feed of market-moving news and actionable trade ideas.