Financial Technology and Services Startups funded by Y Combinator (YC) 2024

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.

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.

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.

Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.

WePay is a multi-party payments API for SMB SaaS, POS Platforms, and Online Marketplaces. It was acquired by JPMorgan Chase in 2018.

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.

OpenInvest is the first technology-backed, socially responsible investment asset management platform that aligns your investments with your values. OpenInvest’s proprietary technology seamlessly creates low-cost investment portfolios tailored to your values, while tracking market indices. A mission-driven company, OpenInvest was one of the first VC-backed Public Benefit Corporations.

Paystack is a small and vibrant family working across Lagos and San Francisco. We enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.

Newfront is transforming the delivery of risk management, employee experience, insurance, and retirement solutions by building the modern insurance platform. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. Headquartered in San Francisco, Newfront has offices throughout the country and is home to more than 850 employees who serve clients across the United States and globally.

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.

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.

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.

Building extremely affordable financial infrastructure for Africa.

Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving, innovative startups. Vouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies. We're doing this by making insurance fast, responsive, and focused on our high-growth and innovative customers. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry.

Gleam is the easiest way to set up and manage benefits. In 15 minutes, you can set up medical, dental, vision, and life insurance plans for your whole team - for free.

Flux is building the payment network for alternative payments, with a focus on bringing acceptance of all BNPL options to on-site merchants so they can max their client's buying power. Flux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.

Fello is a game-based savings and investment application for the gen-z and young millennials of India to save play and earn returns more than a traditional savings bank account. We are merging the worlds of gaming and finance to make finance fun, easy and rewarding! Users can save and invest in financial assets and for every rupee they save they get one gaming token using which they can play daily and weekly games and if they win in these games they get to win Rs.1 lakh every week! Just within a short span of 12 weeks of launch, we onboarded 250,000 users with 92% of them being referred users, 88% of them being first-time investors who are spending over 12 minutes on an average per day on the app saving and playing games together!

Anfin is a modern trading platform that aims to democratize access to financial services and wealth management for Vietnam’s retail investors. Our mission is to help the underserved retail investor navigate the complexities of investments in Vietnam, from stock market to the underutilized commodity trading. We are backed by international renowned investors such as YC, Goodwater Capital, Global Founders Capital, and many more.

Parker is a digital bank.

Zidisha is the world's first direct peer-to-peer lending service to bridge the international wealth divide, allowing individuals worldwide to lend to and communicate with borrowers in developing countries without local intermediaries. The direct connection creates better transparency, more profit for the entrepreneurs and lenders, and greater wealth creation for the world's poorest communities. We've been featured in numerous press and media for our groundbreaking work in using internet and mobile phone technologies to connect entrepreneurs in some of the world's most isolated and impoverished places with the international peer-to-peer lending market.

trii is a one stop solution that provides a local investing experience for retail investors in Latam. This setup, enhances the user's experience by providing a more secure and faster experience while remaining 100% compliant with local regulators.

FX Bank, enabling foreign companies to send and collect payments in Brazil and Latam using PIX and other domestic payment methods. 100% verticalized financial institution in Brazil and overseas.

We are Gusto for Africa. Eazipay is a simple, 5-minute payroll payment solution for Africa. We have grown from 10 businesses in January to over 200 with over $5k MRR. Eazipay processes 8 payroll payment types (Taxes, Pension, Insurances, etc) with just one-click and with our own payment infrastructure. Eazipay Payroll APIs are also available for neobanks and commercial banks - to reach at least 50k businesses.

We offer a corporate bank account that integrates with accounting, tax and payroll systems allowing SMEs owners in LatAm manage their business in just one place.

Courtyard.io (YC W’22) is a marketplace and tokenization service that enables anyone to easily own and trade physical collectibles on the blockchain, unlocking greater transparency, liquidity, and a powerful new form of ownership. For vaulting, we’re partnered with Brink’s – one of the global leaders in security and logistics. We’re currently focused on graded cards, and offer a variety of slab Vending Machines along with curated mystery pack Drops to provide a fun, fair, and transparent way for enthusiasts and new collectors alike to grow their collections.

We back growing digital businesses using revenue based financing. Many of growing businesses in Asia are highly "bankable" yet 50-70% are unable to obtain capital to grow their business. Having been business owners ourselves, we experienced firsthand the struggles of funding a business - from expensive equity options to loans that required personal guarantees. We went live in Singapore first to validate the product/market fit. We plan to expand across the APAC region.. Our sweet spot is backing repeatable business spend - expenses that leads to increased revenue. Our financing product allows businesses to keep growing with us over time. Over a third of our advances today are from repeat borrowers. We created a brand new asset class in Asia - offering flexible repayment options, such as tieing repayment with sales. Business owners LOVE this. Our automated financial technology platform ingests revenue and alternative data sources that gives us a proprietary edge in understanding the behavior of our borrowers. As we collect continuous data, we are able to offer better financial and technology solutions, while mitigating our downside risk. Funds are seamlessly deployed via our virtual Jenfi Wallet and MasterCard solution, giving borrowers flexibility to make payments while giving Jenfi real-time tracking of their spend. Recent coverage: https://techcrunch.com/2020/02/03/jenfi-wants-to-solve-small-business-lending-in-southeast-asia/

Ajaib is an online brokerage that allows Indonesians to buy and sell stocks, ETFs and mutual funds. We are Indonesia's leading financial technology platform driven by a mission to educate the importance of investing for the future. Guided by the three principles; Everyone is an owner, a growth mindset, and a will to win, we aim to increase the number of financial inclusion within Indonesians through investment. Ajaib is committed to opening the door to access safe, trusted and affordable investment instruments. We transformed the way young generations invested when we first established in 2018. Today, Ajaib is the third-largest brokerage by the number of transactions in Indonesia, with over 1 million investors based on our platform and titled as the fastest-growing unicorn in South East Asia.

Emigre is the fastest and the only end-to-end digital Indian banking solution for Indian expats (Non-Resident Indians) so they can support their families back home, shop on Indian websites, and invest in Indian stocks and real estate.

We are a simple book-keeping app, to help 30M micro SMEs run their finances digitally. I was visiting Pakistan. 1-day, asked our local store owner on plans for his next location. His response, 'never'. Since business operations & money flow are manual, he worked 16 hours / 7 days to minimize theft. Zero time with family. We got obsessed with identifying how we can help small business owners run their business and have a life. Everything in Pakistan is manual, store credit, sales, purchasing inventory, cash management, tax filings, payments, etc. This idea got us hooked as it allows us to build a large company and have a huge impact on ~30M small businesses in Pakistan that contribute 74% of the overall GDP. Explosion in 4G adoption (91M 4G subscribers, 720% growth in 5 years), is helping drive product market fit: i. >1M downloads ii. 4.6 star rating on Playstore & Appstore iii. MAUs & GTV: get in touch :)

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.

Asset management firm that specializes in esoteric private credit assets in litigation and bankruptcy

Founded in 2017, Treasury Prime is an embedded banking software platform connecting enterprise companies to a vast marketplace of banks and product partners to launch next-gen payment ecosystems on their platform. Our banking API offers the quickest, most secure way for fintechs and banks to partner, integrate and build modern financial products and increase revenue streams. We power enterprise-class embedded banking solutions for a range of complex services including money transfer, risk mitigation and integration with bank infrastructure. It's these leading-edge capabilities that helped the company to win Best Banking-as-a-Service Platform from Tearsheet in 2021 and 2022. The company was also named to CB Insights’ annual 2021 Fintech 250 list.

Palla enables instant P2P payments from the US to other countries, a $65BN a year market. Sending and receiving remittances today is slow, time consuming and inconvenient for all parties, as it's a mostly cash based process. With Palla, senders in the US can do it in a few taps of their phone and receivers get their money in seconds.

Stream enables insurance and adjacent professionals such as lawyers, nurses, and claim adjusters to review medical documents faster and better than ever before.

Hapi democratizes investing for consumers in Latin America. We let anyone from Latam easily invest in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.

Tranqui is a debt collection company that has revolutionized the industry with its digital-first approach. Utilizing cutting-edge analytics and machine learning, Tranqui offers a more efficient and effective debt collection experience for users. Our technology-driven approach enables us to analyze user data and behavior patterns to develop personalized communication and repayment plans. This ensures that our users receive a tailored experience that is optimized for their individual needs, resulting in a higher success rate for debt repayment. With Tranqui, users can manage their debt repayment on their own terms, from the comfort of their own homes, thanks to our convenient and flexible digital channels. Our approach not only improves the debt collection experience for users but also helps to improve their overall financial health. Choose Tranqui for a better debt collection experience, with 2x the effectiveness of traditional debt collection methods.

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.

Gerald is on a mission to eliminate stress about paying bills. We are transforming bill payments by providing consumers with an application for linking and automatically paying their household bills while offering overdraft and late fee protection for all their biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.

Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.

Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.

Alinea is an app for new investors where we do the hard work for you. With Alinea you have a team of investment experts in your pocket.

We have taken an incredibly monopolized, overpriced, asset-heavy industry and flipped it on its head by providing a better, modern, affordable alternative with more functionality on a SaaS model.

RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India. In a population base of 800 million people with bank accounts, there are less than 40 million credit cards. By building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.

Modern banking infrastructure that enables technology companies to programmatically store, move, and reconcile money.

At Flutterwave, we are on a mission to build payments infrastructure to connect Africa to the global economy. We do this by building technology, tools, and infrastructure for businesses and banks who want to provide a more seamless and secure payments experience for their customers. Founded in 2016 by a team of African finance and technology veterans from Standard Bank, Angela, PayPal, Google Wallet amongst others. Flutterwave has grown to become one of the fastest growing payments companies in the world. Since inception Flutterwave has processed close to $20 billion in payments and 100 million transactions across over 33 African countries where it currently operates. It has attracted significant investment from experienced Fintech investors such as Ycombinator Continuity Fund (investors in Stripe), Greycroft (investors in Braintree and Venmo), Greenvisor Capital, Omidyar Network, and Glynn Capital amongst others. In 2017 Flutterwave was named Africa’s best fintech company at the Apps Africa Innovation Awards.

Decisional is building an AI Financial Analyst for Private Market Investors that pulls information from public and private data sources. Financial Services firms like LTV Capital use our AI Agent to gain superhuman abilities like gleaning insights from thousands of data rooms or documents & magically modelling spreadsheets in seconds

Modern companies use Partna's API and B2B payment tools to smoothly launch and operate in Africa

Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa.  
 We launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa. 
 Femi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps We are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.

Story here: https://www.youtube.com/watch?v=PPsHg3Ap_qw We have two products: 1. Consumer Cross Border payments to Emerging Market: nala.com 2. Payment Rails for Africa: rafiki.com

We’re excited to launch our first product that allows your AI voice agents to accept payments easily and securely over the phone. We manage compliance, security, and fraud, letting you focus on creating great experiences. We are setting the stage for the agentic economy, starting with voice payments. Web and agent-to-agent transactions coming soon.

GoSats is a bitcoin rewards app. We help people accumulate free bitcoin as cashbacks and rewards every time they shop in India.

GoldenBasis makes modern back-office software for brokerages like Schwab or Fidelity, and we’re starting with asset transfers. Every year, $1.1 trillion in assets are transferred between brokerages using decades-old software. Brokerages hire thousands of people to compensate but still lose revenue from abandoned transfers. We solve this problem by automating back-office workflows with AI.

Numo is the new money company — built to be the global bank for the newly minted generation of highly ambitious digital workers in Asia, Africa, LATAM, and beyond. These contractors currently sit in the 95th percentile of earners in their country — but their financial infrastructure is unstable. It's fragmented across PEOs, gig marketplaces, and consumer remittance platforms. With their local currency weakening against the US Dollar, they need control on how and when to repatriate funds. They don't just need a remittance app. They need a bank. Numo provides international contractors with a US bank account — and instant, low-cost payment rails to move money home. This way they can hold funds in USD up to the second they need to spend it. We help international contractors get paid like a local, while banking globally.

Dayra makes it easy for Egyptian businesses offer Loans and virtual bank accounts to their unbanked workers and customers through their App. For example, one of our customers an Egyptian trucking marketplace uses our API to give truck drivers an early advance on their earnings.

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.

Your free money back to you with the trust of your own bank. Individuals and corporations to claim back their value-added tax globally.

Sleek provides B2C businesses with a custom browser extension that works on both mobile and desktop. With the extension, you can: - Auto-complete checkout for users with an Apple-pay-like experience tied specifically to your brand. - Offer Honey-like couponing to help your users save money. - Grant users extra cashback at 1000's of online stores, funded by Sleek. Your users spend time and money in the browser. With Sleek, you can be there for them.

Arrow makes it easier and faster for sellers and shoppers to safely sell and buy online in Southeast Asia. It is first in Southeast Asia to provide brands a better, more profitable checkout experience for their shoppers. Arrow was created to partner with merchants to build consistent and seamless hyperlocal checkout experiences wherever their shoppers come across their brands.  Shoppers checkout securely with their preferred payment methods. They no longer have to set up new passwords, face multiple redirects or set up a new account every time they shop. Built specifically for Southeast Asia, Arrow works anywhere that shoppers prefer to shop from. Southeast Asian shoppers love the simple and hassle-free solution since almost everyone in this region shops on their mobile devices. With Arrow, merchants sell more of what they are selling; and shoppers conveniently and easily checkout wherever they shop.

FINNY is building a new operating system for independent financial advisors, and starting by helping them grow. Our goal is to empower the best financial advisors (the independents!) to serve all Americans who want financial advice. We are starting with growth, which is the most existential problem advisors face. The organic growth process is 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, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, doing all the work for the advisors, and letting them focus on what actually matters, the client relationship.

Send, spend, save, and earn money via stablecoins.

Waza is the B2B platform for global payments and emerging market trade. We make it easy and affordable for businesses with no access to USD to fulfil their global payment obligations, treasury and liquidity needs.

Interacting with insurance across a variety of carriers should be undifferentiated heavy lifting - a piece of infrastructure like Stripe, Twilio, or AWS that "just works"in the background while your business focuses on what makes it different. We provide programmatic building blocks to make this a reality, putting a carrier-neutral API and tooling on top of insurance, starting with policy access (think Plaid, but for your insurance company) and monitoring. Our technology has a variety of use cases that range from insurance verification and tracking, financial advising, compliance & risk management, and marketing/distribution of insurance products.

CapWay is a financial technology company that creates financial access and opportunity for all via our ecosystem, including digital banking tools, savings tools, financial content, and inclusion consumer fintech products. The company fills financial gaps and provides solutions for the growing cashless economy and those who are looking to move away from the traditional financial system, including those who have been misunderstood, overlooked, and underserved. CapWay has a B2C and B2B2C customer acquisition strategy.

FlyCode Dunning & Payment Management AI that helps subscription merchants maximize revenue. We reduce passive churn by managing payment failures intelligently. We’re Jake, Etai, and TD and we’re building FlyCode. TL;DR: If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn. ‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses ❌ THE PROBLEM: Recovering Failed Payments is Complex Involuntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed. 💰 Bottom line? Effective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10% FLYCODE SOLUTION 💡 FlyCode leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results. ⚡️Automatically recover failed subscription payments and reduce passive churn ⚡️Use ML & AI based payment optimization to find the best time to charge your customers ⚡️ Improve customer experience by coordinating payment retries with customer emails/SMS 🛠️ We support OOTB + Custom Integrations for Merchants and White-Label for Platforms

Cowrywise is a FinTech company democratizing access to premium financial services by making these services available to the mass market cheaply. We are leveraging technology and investment management to re-imagine how financial planning, savings and investment products are delivered to people. We do this by helping our customers achieve their savings and investments goals in a simple, secure and affordable manner.

The insurance industry struggles to insure new risks like climate change. The amount of climate risk that goes uninsured every year is $180 billion and growing. Plover's software platform enables insurers to design new insurance products quicker and manage policies cheaper, unlocking new risk markets and geographies. Plover's team previously worked together at Palantir, handling data infrastructure for the US Department of Defense.

We enable brands to launch Credit-as-a-Feature in under 5 mins. They can simply use our Plugins or Copy-Paste style APIs and go live in under 5 minutes without worrying about how Credit Risk or Capital/Compliances etc will work. Simply connect with the BharatX platform and start disbursing Credit. Be it to enable a White-Labelled Pay Later option on Checkout or to give your Neobank's users a White-Labelled Instant Credit-Line option. You can enable it all, as fast as 5 mins! So next time you buy a course on Frontrow use "Frontrow Pay in 3" and while shopping offline, @Spenny's (YC) "Credit" feature to pay to Merchants Offline on UPI.

Issue employee cards, match properties to charges instantly, sync to your PMS and accounting platform, and close your books faster.

NowPay, a FinTech startup founded by ex-employees of IBM, Microsoft, Orange and Amazon, is building a financial-wellness platform for employees in emerging markets. Saving, spending, budgeting and borrowing. Those are the 4 pillars of financial-wellness. NowPay aims to improve every aspect of those for employees by building products that tackle every vertical. NowPay enables employees to get their salaries in advance at any point in time during the month and also pay their bills instantly. NowPay is backed by 500 Startups, Beco Capital, Endure, Plug and Play, MSA Capital, 4dx, Foundation Ventures, EFG and Beltone and has raised 3.7m USD so far.

Verde is a lending platform that offers fast loans to small-and-medium sized farmers in Brazil. Our vertical software allows independent ag loan advisors to originate loans digitally and manage their operations more effectively.

Innovator of online transactions, helping businesses in former soviet union countries to accept payments from around the world through a single integration.

FundersClub discovers, funds, and supports the world's best technology startups. FundersClub created the first online venture capital platform and invests starting at Seed, following on through Growth. The portfolio includes Coinbase, Instacart, Webflow, GitLab, Flexport, Rippling, and other category-defining companies.

At Streak, we are building a new age personalized & gamified banking solution for teenagers. We are a fast-paced edu-fintech startup working towards redefining children and teenagers' relationship with money.

Helicarrier (previously Buycoins) is building cryptocurrency infrastructure for Africa. Sendcash is an app that lets Africans in the diaspora send money back home. Buycoins is the easiest place to buy, sell, and manage your cryptocurrency portfolio.

CollectWise automates consumer debt collection with AI. We’re outperforming collection firms by 2X and have successfully serviced over $2 million in debts. Our platform handles the entire late-stage recovery process, allowing creditors to recover debts that couldn’t be resolved through voluntary communications. CollectWise's AI agents automate pre-legal outreach, asset research, litigation, credit reporting, and enforcement actions like garnishments and liens.

At Saturn, our mission is to make financial peace of mind more accessible by building the best operating system for wealth managers. Wealth and Asset Management is one of the world’s highest revenue-generating industries, yet it remains painfully inefficient. The sector relies heavily on disjointed legacy systems, manual human tasks, and a complex web of intermediaries, all of which increase costs. Saturn is an AI-powered operating system for wealth management built to automate investment research, streamline operations, and ensure compliance. Saturn creates the best version of truth, empowering investment advisors to work more efficiently, navigate complex regulatory landscapes, and deliver personalised, high-value services to their clients. Today, Saturn supports over 200 firms globally that manage more than £35bn in assets under management (AUM) and over 200,000 clients. As the industry grows, it faces massive operational challenges like bad tech, advisor retirements, regulatory pressure, an increased cost base, and transformational opportunities like great intergenerational wealth transfer and changing consumer needs. Saturn aims to be at the forefront of this transformation, driving the future of wealth management.

AI Insurance is the platform that small-to-midsize insurance companies use to run every part of their business. Before we showed up, they used spreadsheets and filing cabinets – wasting as much as 60% of revenue on administrative expenses. We’re doing what Salesforce did for SMB sales teams, but we’re tapping into the over 10,000 insurance companies that waste $238 Billion dollars annually.

Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers. More than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region. At Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales. We are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.

Bloom's mission is to improve the financial outcomes of all Americans by giving them the knowledge and tools they need to achieve prosperity. Our first product is an investing app that teaches users how to build wealth through interactive financial lessons, a gamified rewards economy as well as an investing account designed for building long-term wealth. Since launching in April 2022, over 1 million users have joined Bloom and we have crossed $3MM in annual recurring revenue.

We are a Y Combinator / Latitud backed micro-lending platform in Mexico led by talent from companies such as Capital One, Bain & Company, Konfio, DiDi, Clip, Klarna, etc. We are hyper focused on making sure that customers improve their financial lives significantly through their relationship with us. In a very short time, we have achieved significant traction with exceptional consumer outcomes and unit economics. We are also building and incorporating a significant amount of AI into our operations, so this is a great place to work for anybody who has ambitions to build real time applications of AI. Our goal is to build the biggest AI enabled consumer fintech platform in Mexico and eventually LatAm.

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.

Verto is a cross-border payment platform for businesses; our mission is to simplify cross-border payments in emerging markets, particularly Africa. We do this by providing businesses with superb infrastructure that they can use to convert, hold, receive and make payments across 49 currencies. By connecting Businesses, Liquidity providers, FX Brokers, and Payment Institutions, and banks through our marketplace, companies can choose their foreign exchange rates at the time that suits them, therefore, providing a constant liquidity flow cheaply.

At Railbird, we are building a prediction market exchange designed to hedge and mitigate risk for the services sector. The Railbird team has years of experience analyzing companies in the service sector and has seen firsthand how little opportunity there is to hedge risk in volatile markets like hospitality, tourism, recreation, entertainment, and sports. The platform is designed to be open to all traders.

Wagetap is a mobile app that allows users to get an advance of up to $2,000 on their next payday and pay their bills in more manageable installments. Wagetap's vision is to offer a suite of financial products to become the financial partner for everyday people.

Credit for the emerging economy in Latam. We have 10K users and nearly $2M in annualized revenue, from our small loans to micro-merchants and individuals in the informal economy. We do our underwriting with our proprietary AI risk model processing 250+ variables from the user's smartphone and credit bureau.

💸 CardLift builds co-branded browser extensions to help credit card issuers maximize their share of wallet (and in turn, per user revenue). 💸 💼 Built by the serial extension founder behind TravelArrow (the world's largest travel browser extension, 300k users, 1.5M+ ARR) and OctoShop (acquired by NYSE:IBTA), CardLift is backed by YCombinator. How it works - We build banks and credit card issuers browser extensions to help them capture a larger share of wallet among their cardholders by - 🏃 Migrating Existing Spend - When a credit card program onboards a new user, we make it dead simple for these users to switch their card-on-file at all of their top online merchants to their new card with one click. - Our AI-powered browser extension not only automatically detects where our partners' users spend the most (Netflix, Amazon, T-mobile, Progressive), but also lets them switch out their primary payment instantly. Users press a button in their browser and their card-on-file everywhere instantly switches to their shiny new card (our partner's card!). 😌 Making Checkout Seamless - Our fast checkout technology embeds “One Tap Checkout ” on the checkout page at over 50,000 e-commerce sites - making our partners' cards the easiest way for users to complete any transaction on their browser. - They can even customize the copy to tell the user why to use your card for that specific purchase. For example Chase could prompt their users to use their Sapphire Preferred card on Avis BECAUSE it offers car rental insurance. 🤑 Making Our Partners' Cards More Rewarding - We partner with over 1000 of the country’s top merchants to offer additional affiliate-based cash back that our partners can tack on to their existing cash back. User can now earn double or even triple the cash back on Sephora when they user our partners' “One Tap Checkout” button instead of their other cards.

UpBanx is Brex for D2C brands and content creators in Indonesia. We help our customers open a high-yield business account, get financing, manage transactions, and launch Web3 projects, all in one place. There are over 700k D2C brands and content creators in Indonesia. If we serve all of them, that is a $14b/year market opportunity. We've raised $5.6m so far from investors like Y Combinator, Alpha JWC, Alto Partners, CreditEase, Oliver Jung and lndonesia's biggest influencer Raffi Ahmad who has over 100m followers on social. We have also raised from 6 other Y Combinator founders. We are open to working with more investors that can bring strategic value to our long-term roadmap.

Malga gives digital businesses access to multiple payments services through a single integration, and the ability to change between them on a transaction to transaction basis without writing code.

Sphinx automates the manual work of compliance analysts. Our AI agents make AML decisions, helping banks and fintech eliminate onboarding bottlenecks.

All-in-one spend management for businesses in Latam. We give customers tools for bill payments, automated local transfers and corporate cards.

Coinrule Catches the Next Market Opportunity on Your Behalf by Automating Your Investments. Coinrule's previous Crowdfunding Video: https://www.youtube.com/watch?v=nnYJ4PnSvnU

India is set to be one of the fastest growing major economies and Indian expats have a unique opportunity to invest in this dynamic growing market. As an Indian expat looking to invest in India, investing in India is a daunting experience, with multiple operational hurdles, complex tax and repatriation regulations. Inri solves these challenges by providing a seamless investment platform comprising of personalized wealth advisory and compliance services.

More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. We use Alternative Credit scoring models to provide a Pay Later option on UPI to a wider audience.

Experience an easy way to make Investments in Mutual funds in India. Easiest platform to make mutual fund investments in India. Because you need to make Investments, be it just to park your cash short term to earn better returns, or to invest for your goals or retirement, we've made an easy to use platform for you where you can invest in any fund in India in few clicks and have track your existing investments. Furthermore , you make investments without paying any middlemen commissions and make more returns . After all, It is your money. Don't pay too much to others when you can do it on your own. We're on both Android and iOS . download the app to get started https://piggy.co.in

Modernbanc is a spreadsheet and accounting software rebuilt as one. Say goodbye clunky extensions and broken spreadsheets, build reports with live data in seconds.

Gullak is a mobile app that automates savings & invests these in Gold. We launched in India 60 days ago and have grown from 0 to 40k transacting users and hit a monthly GTV of $280K already. We are growing 25% week on week. India is a nation of savers but the way the majority of India saves is non-smart & does not create wealth. There are 200 Mn Indians who save manually in bank deposits, the returns from these instruments do not even beat India's inflation. Gold is an instrument that India loves - 30Bn worth gold is purchased in India every year by middle income households. Gold has great cultural significance in India & there is high familiarity with the asset class. Despite gold being a familiar asset class & giving 5% higher returns than bank deposits, 200 Mn Indians still save manually in these non wealth creating bank deposits. This is largely because the ways to save in Gold required painful discrete activities such as manually accumulating money to buy gold, going to offline stores to buy this gold, incurring storage charges & more. The minimum ticket size for purchasing gold at these stores is $50 adding to more friction to saving in Gold. Using automated savings, Gullak now makes it extremely easy for users to save small amounts regularly($1/day) in digital Gold.This was not possible a year ago because the underlying infrastructure(UPI Autopay) was missing. With 50 Mn Indians saving $2/day & with gold backed lending, this is a $1.5Bn market opportunity. Gullak’s Founding team is the team which built BHIM UPI App(10Mn Downloads in 10 Days), this was launched by the PM of India. We built large scale payment systems for partners like GooglePay / Amazon, processing more than 30Mn payments/day. This is the same team that has built more than 40+ consumer brands & their initial growth strategy.