Consumer Finance Startups funded by Y Combinator (YC) in the San Francisco Bay Area 2025

FutureAdvisor is an award-winning digital wealth management firm serving client households nationwide from our offices in San Francisco. We use software to power a wealth management experience accessible to everyone, at less than half the price charged by traditional firms. Our clients are the mass-affluent investors underserved by traditional financial advisory and wealth management firms. FutureAdvisor is leading a shift in financial services towards transparency, convenience and inclusion. FutureAdvisor is looking for engineers to help build better portfolio management tools for everyone. Our unbiased financial advice is giving middle- and working-class families powerful tools they never had access to before, and they're free. If our mission strikes a chord with you, please send us your resume: https://www.futureadvisor.com/jobs Social Media Community Policy: Content posted here by third-parties about FutureAdvisor remains the responsibility of the party posting the content, and is neither endorsed by FutureAdvisor nor representative of FutureAdvisor's viewpoints. Any opinions or statements posted by third parties are their own, and may not be indicative of others'​ experience or future performance or success. FutureAdvisor does not endorse or adopt any content on a third-party site linked to from this page. At its discretion, FutureAdvisor may remove any content containing violations of securities regulations; lewdness, personal attacks or obscenity; comments irrelevant to the topic at hand; or unsolicited advertisements and spam.

Sequin (Y Combinator) is the first debit card designed to reward women where we're spending with up to 6% cashback on beauty, drugstores, gyms, local salons, and more! Cardmembers gain access to high interest checking, financial education, and a community of ambitious women. Plus, each Sequin Card is customized with a money mantra! Vrinda Gupta, the founder and CEO, launched the Chase Sapphire Reserve at Visa, where she was rejected from the credit card she built! She learned that 70% of women today were making avoidable financial mistakes like she was, and embarked on a mission to close gender-based financial gaps. She teamed up with ex-PayPal engineering leader, Mark Thomas, co-founder and CTO, to build a membership-based banking designed to empower women financially. Sequin is backed by high-profile investors such as the Schwab Family, Y Combinator, and IDEO Ventures and is an official Visa partner. The team plans to expand its offerings into a $65B largely untapped market for women's financial products from first bank account to retirement products.

Today we're the easiest way for our customers to get a bank account. Tomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. Our mission is to treat our customers as 1st class citizens and *end dial #2 for español*

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.

Tilt is a technology company that makes it easy for groups and communities to collect, fundraise, or pool money securely and effectively online. In addition to helping social organizers, the company is legally certified in securing fundraisers for non-profit organizations.

YearEnd helps startup employees optimize their equity and taxes, and can also file their tax returns. They simply connect their financial accounts and YearEnd will tell them how much tax they’ll owe and will make recommendations on how to make better decisions. At the end of the year, YearEnd can also file their tax return for them or they can collaborate with their existing tax accountant.

Coin is a consumer electronics and financial technology company bringing simplicity and security to payments. Through the Coin developer program, wearables makers now have a turnkey solution for integrating secure payments into their devices (e.g. fitness trackers, smartwatches, jewelry). Follow the company on Twitter @coin or learn more about the Coin developer program at http://developer.onlycoin.com. Coin 2.0 smart payment device Coin 2.0 is a secure smart device that has the form factor of a credit card, but it holds your cards in one - including your credit, debit, gift and loyalty cards. Coin 2.0 lets you swipe or tap your cards at millions of merchants across the USA. Coin 2.0 has 80%+ compatibility, partly because we use cutting-edge technology that has not yet been integrated into all point-of-sale systems. We encourage customers to carry a “backup card” given the wide variety of sales registers in the USA. While Coin 2.0 shares the same form factor as a credit card, it features enhancements such as an electronic display and a single button to allow for simple switching between different cards. With over-the-air updates, Coin 2.0 adapts to evolving payment technology, offering future-ready ubiquity in a small and powerful package. Coin's security features also keep your information safe. Auto-unlock means that only you can use your Coin 2.0 while Last Known Location helps you find your Coin 2.0 in case of loss or theft. Coin 2.0 is designed for use in the USA. To verify identify, a Social Security Number is required. Website: https://onlycoin.com Video: https://youtu.be/gJBZMUuhUrw

Honeydue is the best personal finance app for couples. Track your bills, bank balances, and spending together, and engage in meaningful dialogue about your goals and habits.

Compound empowers people who work in tech to make better financial decisions so they have the freedom to focus on what matters most.

Penny is a personal finance app that helps you track your income and spending. Penny accesses your statement history—with your permission—and uses that information to help you manage your finances. Whenever you open the app, she’ll chat with you about your finances: letting you know how you’re doing this month, forecasting where you’ll be next month, giving you a heads up about upcoming bills, or even helping you cancel services you don’t use. Penny makes finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming. Penny automatically organizes your finances, explains them simply and clearly, and tells you what you need to know, when you need to know it.