Regtech Startups funded by Y Combinator (YC) 2026

AI-powered product compliance platform that makes it easy for retailers to launch and scale products across borders without drowning in regulatory work. Complir's AI agents handle the regulations and documentation across every market you sell in - and keep your entire catalogue audit-ready.

Ritivel is an AI-native workspace for regulatory and medical writing teams at life sciences companies. Our AI agents draft CTDs, CSRs, INDs, and BLAs in minutes instead of weeks, helping drugs reach patients faster. Every month a drug is delayed from reaching the market costs pharma companies ~$45M in lost revenue and more importantly, delays treatment for thousands of patients who need it. Yet regulatory teams are stuck in a painful, months-long process: synthesizing thousands of pages of clinical data, hunting through SharePoint folders for the right documents, chasing colleagues for missing inputs, and manually drafting submissions. Ritivel deploys AI agents that transform how regulatory teams work. Our agents generate comprehensive first drafts directly in Microsoft Word, following FDA formatting requirements and pulling from your existing clinical data and prior submissions. Every data point includes citations linked back to the original source, so reviewers can verify with one click. Connected to SharePoint and Veeva, our agents automatically source the right documents. Integrated with Outlook, they handle reminder emails and follow-ups automatically. We're engineers who previously built AI copilots at Microsoft Research. After 50+ conversations with pharma professionals, we discovered the critical bottleneck in regulatory submissions and built Ritivel to solve it.

Cardamon is an AI powered platform that ingests relevant regulation, understands what applies to each regulated financial firm, and gets compliance officers from regulation, to obligations, to product requirements in minutes - not weeks. Financial firms face a host of complex regulations that make it incredibly painful to launch and maintain products in a compliant way. As a Product team at Revolut, we felt this pain deeply ourselves - we had products ready to launch but stuck in compliance limbo, often for weeks. Turns out, getting compliant took as long as building the product itself. Frustrated, we dug in and were shocked by how manual and inefficient the processes were. That’s when it clicked: there’s a huge opportunity to automate the boring stuff (and solve our own problem!). Compliance teams win because they ditch the tedious tasks. Product teams win because they ship faster. Everyone’s happy.

Luthor replaces fragmented compliance workflows with a single system that reviews, enforces, and logs every piece of marketing content the moment it’s created. Generative AI has made content production effortless. Manual compliance review has not kept up. This gap is now the largest and fastest-growing source of risk in the enterprise. Luthor closes that gap completely. Every claim is checked against your policies, your regulations, and your approved sources before it goes live. Marketing teams move faster. Compliance teams gain complete confidence, with every message verified and fully auditable. Trusted by asset managers, RIAs, lenders, banks, and credit unions to operate at AI-era volume while meeting SEC, FINRA, FTC, UDAAP, and more. Luthor eliminates the gap between what companies say and what they can stand behind.

Banks and fintechs have large teams of human analysts who conduct manual checks and reviews. We replace those human compliance analysts with AI agents that automate 80% of the manual work for faster and more compliant financial crime (AML) reviews. Our first three products are: Screening AI (discount 91% of screening alerts), KYB/C AI (speed up onboarding), Transaction Monitoring AI (handle AML transaction monitoring alerts) Our end goal is to have a whole suite of AI workers that can handle manual compliance work for banks and fintechs. A $24B opportunity in the US alone.

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.

ROE AI solve risks and compliance problems for financial industry.

Readily uses AI to free 20 million healthcare professionals from manual compliance work so they can focus on patient care. We've helped $B healthcare organizations cut regulatory analysis, policy drafting, and audit work by up to 90%, reducing consulting spend and compliance risk.

With Kyber, companies operating in regulated industries can quickly draft, review, and send complex regulatory notices. For example, when Branch Insurance's claims team has to settle a claim, instead of spending hours piecing together evidence to draft a complex notice, they can simply upload the details of the claim to Kyber, auto-generate multiple best in-class drafts, easily assign reviewers, collaborate on notices in real-time, and then send the letter to the individual the notice is for. Kyber not only saves these teams time, but significantly improves consistency, compliance, and personalization.

Hadrius allows regulated financial firms of all sizes to consolidate and automate their compliance processes using AI in one platform. Today, we're securing compliance for $3T+ AUM across our clients. We're building the AI that will regulate the US financial system and the trillions that flows through it.

Verify your customers globally with a single platform. Get 800+ data points on each business and 100+ data points on each individual and onboard with confidence.

TrueBiz helps financial service providers reduce manual review during business onboarding. We add color to the company's background with 250+ data points on the company from around the web (such as industry and address), and summarize key risk indicators. The process takes seconds – not days, so financial service providers can efficiently meet risk requirements and onboard new businesses faster.

Flagright helps fintechs & banks monitor, screen, investigate, and report their transactions & customers against financial crime risks with a best-in-class AML compliance software. Catering to a diverse clientele across various financial sectors, we serve customers across 6 continents. Flagright is a pioneer in the application of generative AI for AML compliance operations with its AI suite, Flagright AI, delivering unmatched scalability and extreme performance. Our products are designed to help our customers scale volume without scaling headcount and grow faster.

Complif automates compliance processes for financial entities, including KYC/KYB, AML, risk profiling, documentation management and regulatory reporting.

Axis is a knowledge base of government regulations and officials that helps large companies do business in foreign markets. For example, if you want to operate in Saudi Arabia - our software tells you which laws you need to comply with and which officials you need approvals from. We currently cover major markets in Europe, Middle East, and Africa

Kodex makes it easy for companies to process, and respond to, subpoenas from governments around the world. Agencies, like the FBI, subpoena user data from customers like Coinbase, and thousands of other companies - without Kodex, companies largely rely on email, fax, and spreadsheets to manage them. Kodex is a SaaS tool that helps private sector companies manage relationships, workflows, and secure file transfer with government agencies who are seeking confidential information on a company's users. We streamline compliance operations, protect the privacy of their users, reduce error, and validate the legitimacy of government agents who are requesting information.

Notabene helps businesses perform crypto transactions in a regulatory compliant way. Think of us as the SWIFT network for Crypto. New global regulations for crypto transactions are here and will be enforced over the next year. Businesses now have to follow strict rules similar to banks, or shut down. We provide a SaaS platform that allows businesses to perform due-diligence on their counter-parties and manage the risk of incoming and outgoing transactions.

Regology is an AI-powered regulatory intelligence platform that enables compliance, legal, risk, and operations teams to navigate complex regulatory environments across U.S. Federal, all 50 states, and global jurisdictions. At its core, the Smart Law Library™ provides a curated, continuously updated repository of applicable laws and regulations. Three specialized AI agents drive the platform: the Regulatory Change Agent tracks and alerts on jurisdiction-specific developments; the Compliance Agent maps changes to policies, controls, and risks; and the Regulatory Research Agent delivers plain-language summaries, multi-jurisdictional comparisons, and actionable insights—helping teams anticipate change, mitigate risk, and act decisively in fast-evolving regulatory landscapes.

Aer Compliance is Rippling for compliance, combining Code of Ethics, marketing, calendars, filings, workflows, and more in a single place.