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.

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.

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.

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.

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.

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.

Building extremely affordable financial infrastructure for Africa.

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.

SmartPath is a financial wellness company based in Atlanta, GA. We offer unique workplace financial wellness programs centered around 1-on-1 financial coaching. SmartPath wellness programs are designed to increase the bottom line for both employers and employees.

Replace your traditional ledgers with new digital Khatabook and Avail financial services like Lending for your business. Business owners can use the app to record credit (Jama) and debit (Udhar) transactions for their trusted customers. It is 100% Free, Safe, and Secure for all types of businesses to maintain their customers'​ accounts.

Infinia is enabling Fintechs, PSPs and Banks to connect to RTP rails both for payins and payouts globally. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR.

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

Patika helps small businesses in Africa to collect the 35% of their revenue that is not paid upfront. Typically, small businesses use pen and paper to track customer debts and phone calls to collect, but now they can use our smartphone application to automate this process. Our businesses, who used to lose 9% of their sales to non payment and had 16% paid late, now not only collect these customer debts 3x faster but have also getting paid 25% more. We aim to reach 50M small businesses in Africa - a $5B+ market. Sidney and Phelix, who met 10 years ago at a leadership program by Mastercard and Equity Bank, are technical founders with 5+ years experience working together to build payments platforms that processed $10M monthly GTV across Kenya, Uganda & Nigeria.

Axle is Plaid for insurance - a universal API for insurance data. With Axle, companies can instantly verify insurance and monitor ongoing coverage, helping them reduce operational cost while creating a frictionless experience for users. Axle is backed by leading investors including Y Combinator and Gradient Ventures, Google's AI-focused venture fund, and angels from industry leaders like Plaid and Cox Automotive.

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.

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.

Envelope is an autonomous Mint with built-in banking. Imagine a platform that can move your money to optimize your balance sheet, negotiate bills on your behalf, and segment your finances to actually reflect the mental accounting happening in your brain. We are structured to be the primary checking, savings, and investment account for our users.

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.

Numida provides working capital loans to African micro businesses. Instead of borrowing from informal lenders or family, micro business owners download the Numida app, apply in minutes, and receive capital within a day. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, while maintaining excellent collection rates. Since 2021 we have provided $23M in working capital to 32,000 businesses in East Africa.

Moonshot Brands is building the world’s largest - next-generation CPG (Consumer Product Goods) e-commerce company. We look for profitable e-commerce companies on Amazon or selling DTC on Shopify, purchase them from the founders giving them liquidity for their biggest asset, then turbocharge the growth with our proprietary data-driven technology platform and team. We scale e-commerce brands globally.

TokenOwl aggregates crypto and other financial accounts in one place with trustless AI. It lets highly active traders calculate taxes with greater accuracy and generate AI powered insights about their portfolio. Users can execute trades with prompts, build custom dashboards, and query their logs in natural language. Low fee networks like Solana have brought a new generation of traders with thousands of transactions, and TokenOwl saves them hours of time and unlocks analytics that lead to higher profitability.

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

We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.

Kalshi (www.kalshi.com) is the first federally regulated exchange where you can trade on the outcome of events. We built Kalshi because we believe that people should be able to capitalize on what they know and have opinions on. We make this possible by expanding what people can trade on and allowing them trade in the domain of everyday knowledge. Kalshi is developing a new asset class, “event contracts,” and a financial exchange for trading on the outcome of events: we are federally regulated by the CFTC as the first-ever legal futures exchange in the U.S. for trading on a broad category of events.

Hedgehog is a crypto robo-adviser that manages your funds in broad baskets of digital assets covering up to 85% of crypto's market cap. We already have 15k users monitoring $176m in crypto assets and over $548k in GTV on our V1 product, we have completed our exit interview with the SEC as of 4/24, and our custodial product is now live in the App Store and Google Play.

At Givefront (formerly Clav), we are building a banking platform tailored for nonprofits. Our unified platform allows organization leaders to manage banking, spend, payments, team turnover, reporting and compliance all in one place.

YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!

Broad is building global financial products that enable life without borders.

Greenlite builds AI workers for bank and fintech compliance teams. Innovative teams use our AI workers instead of outsourced teams to onboard customers faster with higher compliance standards.

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 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/

🔮 We built Method to propel consumer finance into the next decade. Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. The composability of our APIs and robust integrations into 10,000+ financial institutions allows lenders, fintechs, and other financial institutions to build products that unlock a level of autonomy never before harnessed by consumers. We have helped 2+ million users connect 15+ million liability accounts, save them millions in interest and fees, and get them access to billions of dollars in personalized loans. We have partnered with 60+ financial institutions - including Bilt Rewards, SoFi, PenFed, Figure, Happy Money and Aven - to deliver frictionless, personalized and engaging user experiences. We are backed by investors and advisors from Andreessen Horowitz, Y Combinator, SV Angel, Ardent Ventures, Abstract Ventures, Truist Ventures, Truebill, Upstart, and more.

Float is Pipe for supply chain finance. We help fast-growing consumer brands unlock capital from their inventory. We pay their supplier invoices up front and enable them to pay for their inventory after they’ve sold it.

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.

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.

Easyplan is an investment app for beginner investors in India (kind of a cross between Betterment and Qapital in the US). We also provide users with a credit card secured by their investments. We launched with money market funds and have ~40,000 customers who’ve invested (~40% MoM growth). The pandemic spurred interest among new investors, and our AUM has grown 3x since April 2020. And we’ve done this with a cost of acquisition that is 10% of the industry average. Here’s the problem we see. Only 10% of the 100 million middle-income Indian workers have invested in the markets. This is despite the fact that they save ~30% of their income, making this a $325B potential market in assets under management. However, current investment apps in India are built for active investors. With over 16,000+ mutual funds and 5000+ stocks to choose from, they are far too complicated for beginners, who make up most of the market. We’re building an AI - driven investment planning software that is designed for beginners. Users use our conversational AI to get diversified mutual fund portfolios tailored to their goals. We also offer users a credit card secured by their investments, so they can earn return without losing liquidity. In terms of business model, we make commissions on the asset we manage, and interchange fees on the fund. We estimate we can make $12 per user per year, which is 6x our current acquisition cost of $2 per investor.

Rio lets users buy and sell crypto and stablecoins in 5 minutes or less, using local payment methods in LATAM. We've built simple payment APIs and an iFrame so that companies can integrate them, and create better and more efficient products for LATAM users (ex. cross-border payments, wallets, remittances, etc.).

FinFlx makes it easier and more affordable for SME to offer defined contribution pension plans in line with local labour laws. Employers can launch a pension plan within hours instead of weeks, with fully digital employee record management, plan administration, investment selection and detailed reporting. FinFlx is the future of workplace retirement solutions in the Middle East.

1 in 4 Americans do not get their full 401(k) match. That means 25 million workers are leaving $24 billion on the table in free employer contributions. The primary reason these workers cannot get their match is because they do not have enough to both cover living expenses and invest. Lendtable helps workers get thousands in additional income by giving them a cash advance to cover their living expenses so they can finally begin earning their employer match. Once their money has vested we take some of the match money earned in order to cover our expenses. Workers now have thousands of dollars more without putting any money down, and we make money helping them do so -- we win if they win.

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

Suplias helps FMCG manufacturers in Africa receive payments and finance inventory purchases of their distributors using a mobile app called Obtainly. We launched in Nigeria, where we have been growing revenue by 32% month over month for the last 11 months Our founding team has a combined 25+ years of experience in supply chain and ecommerce having worked for Procter & Gamble, Pepsi Co, Gap and Jumia, the #1 ecommerce company in Africa.

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

Technology is a massive enabler for stock market participation. This was the case when the phone, the internet and apps were invented granting access for more people. For 100m Europeans living in countries without the Euro however, there has been no innovation for the past 30 years. High commissions, clunky interface, high minimum amounts and a brand that speaks to the few. We are on a mission to drive financial inclusion by bridging the innovation gap for the overlooked regions of the EU.

nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.

Orca is banking built for Gen Z from the ground up. Send money instantly, split bills with groups, access local discounts and perks, spend and save, and do everything else you could ever ask on Orca — the only financial hub you'll ever need.

Beloz by Amiloz is a group credit lender for micro-business owners and head of families. It's completely digital, personalized, app and website based; here these owners can get installment loans and renew them with improved benefits over and over.

Alpaca is an API infrastructure and licensed financial services company that allows developers and businesses to offer stock and crypto investing to their end-customers. We work with more than 100 companies across the globe to enable their investing products, and our mission is to provide financial services to everyone on the planet. Alpaca’s globally distributed team consists of developers, traders, and brokerage business specialists and backed by a group of well-capitalized investors including Portage Ventures, Spark Capital, Tribe Capital, Unbound, Social Leverage, Horizons Ventures, Y Combinator as well as highly experienced industry angel investors and founders. We are also very tech-enthusiastic with notable track records in open-source and startup communities.

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.

Mercoa let’s B2B platforms offer BillPay and Accounts Payable services to their customers. Use our drop-in iframe, React Components, or API to offer your users one place to manage and pay all of their invoices.

Keeper is delightfully smart tax software, especially for people with 1099 contracting & freelance income. Connect your bank to automatically uncover hidden tax breaks!

We're building the one-stop shop for creator finances. Your favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, banking. We’re building products that help creators spend less time worrying about finances so they can focus on creating.

Pantore Pay is the solution for restaurants cash flow issues and allows restaurants to shop for supplies and pay any other bills using Pantore's credit line.

Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.

Thndr is a platform that allows individuals to trade in MENA’s $650bn worth of stocks, bonds and funds commission free

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.

Nash enables finance teams to manage all their finance flows in one place and craft their money flow experiences globally. Our ledger-based operating system allows your borderless business to connect all your money accounts, accounting systems, payment service providers, treasury operations, spend management in one place. Our mission is to enable borderless commerce in Africa. We achieve this initially by providing your team with all the finance tools needed to build, scale, and grow your borderless business without the need for a costly and complex in-house infrastructure.

Afriex makes it easy for immigrants to send money home. We offer instant, no-fee remittances to over 7 countries around the world.

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

Hypercore is a loan management software for small lenders. We help lenders automate workflows and provide them with real-time analytics and KPIs on their portfolios. Since June we are running paid pilots ($3.5K MRR), 1 LOI ($1.5K MRR). The founding team met while serving together as officers in technological units in the Israeli Defence Forces. We then established together a software development company specialized in fintech projects such as e-wallets and open-banking projects. That’s where we discovered how archaic are the tools lenders use that are ready for disruption. Hypercore is building the tools for private lenders who currently do everything in Excel, culminating in a 'Nasdaq of private loan books' - utilizing the platform to securitize loan books.

Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money. The problem we are solving is that more than 75% of the 12 million employed South African’s run out of money before the end of the month, 52% of those end up borrowing money to survive. Informal lending is the only option for most borrowers, with interest rates anywhere between 30-50%. The story is the same in most African countries where payday/micro-lending has become the norm amongst lower-income earners. Our app features include financial education, a budget planning tool, cash access, and voucher purchases all from wages earned but unpaid. We are currently working on a savings product to promote long-term financial resilience. We launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.

Finley simplifies debt capital raise and management. Our software helps companies like Ramp, Arc and Parafin automate due diligence, ensure compliance, and streamline ongoing reporting with their capital providers. Our team brings experience from Goldman Sachs, Nova Credit, and Palantir Technologies, and is backed by Y Combinator and Bain Capital Ventures.

Magna is building a platform to turn DeFi investments into financial primitives. Our first product is Carta for Web3, where companies can manage their cap tables and distribute their token equity to employees, advisors, or investors. We’re also building investor infrastructure for institutions to custody investments with on-chain execution and intelligence. Our ultimate goal is to use locked tokens as composable building blocks to power collateralized lending, liquid secondary markets, and other DeFi applications. Launching a token? Let's chat. Are you receiving tokens from your investments? We can also be helpful. What are our companies saying about the problem? > Having it all bundled together would make life easier. We have a million things to do. If you have an off-the-shelf thing, we’d use it. > This wouldn’t be a nice to have, it’d be a have to have. > Terrible process. We’re manually sending out transactions, going to solscan and manually check that they received our token. Takes hours every week. > Everything we do is potentially very dangerous. We have to check it thoroughly. I’ve spent several hours a day on this since launch. I imagine every month, it’ll take us at least 1-2 days. > Manual process every month for the ops team. They likely burn a week.... every month to pay out 150+ addresses.

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.

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

Kanda is building Affirm for general contractors. We allow contractors to offer financing to homeowners who want to remodel but can’t pay the full price upfront.

Jerry makes it really easy to save time and money on car expenses. The car ownership super app first launched its AI- and machine-learning-based car insurance compare-and-buy service in 2019. Today, Jerry serves more than 3 million customers as a licensed insurance broker and an authorized auto refinance provider, while also offering free telematics-based driver safety and repair estimator services. The fastest, easiest and only automated way to compare and buy car insurance, Jerry gives you customized quotes from more than 55 insurance carriers in 45 seconds. Customers skip all the long forms and unwanted human interaction while Jerry hunts for better rates and completes the transaction, saving more than $800 per year. In 2022, Jerry launched its auto refinancing marketplace, which can help customers lower their monthly car payments, on average, by $118 dollars. Jerry is scaling its car insurance and auto refinance products and expanding its marketplace into new categories, removing friction from additional car ownership needs. Jerry will be the only app car owners need to manage all their car expenses. Headquartered in Palo Alto, the company has offices in Toronto, and Lockport, NY, and has removed physical location from recruiting restraints to attract talent.

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

💸Hey YC, we’re baraka (S21), an investment app built for people in the Middle East. 📱 Our product This is how we do it: • 6,000+ stocks and ETFs – the freedom to choose the companies and industries that you want to back • The power of financial literacy – educational content, digestible market news and in-depth stock analysis • Fractional Shares – the ability to start investing with smaller sums of money • Fair pricing – Transparent, low commission pricing model • Easy to use – intuitive user journey and interface 🕒 What's Next? The app is available in countries across MENA. Check out our website: getbaraka.com. Please reach out to give us feedback, discuss product, go-to-market strategy or anything else on founders@getbaraka.com. Feras & Kunal

Airfordable is payment plans for airline tickets. The service allows users to secure tickets with a deposit upfront and pay the remaining balance in recurring payments before the departure date.

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

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

Plate IQ makes accounts payable simple. Automated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.

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

Djamo is a challenger Bank for consumers in french speaking Africa where less than 25% of the population is banked, we are building seamless and affordable banking solutions to break into this huge untaped market and bring millions of people into financial inclusion.

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.

Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.

BukuWarung is SEA's fastest growing startup and we are building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping, online storefront and payments. BukuWarung has raised $80M from top tier VCs globally: Peter Thiel's Valar Ventures, Goodwater Capital, Y-Combinator, Rocketship.vc, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, SoftBank Partners, DST Global Partners, and strategic angel investors from Stripe, PayPal, Plaid, Grab, Gojek, Facebook, AirBnB, Fast, Mastercard.

An end-to-end platform that allows financial advisors to put their clients into curated alternative assets without additional operational lift.

True Link exists to provide life-changing financial solutions for people with complex needs and the people who care for them. We founded the company to make life better for our own loved ones, and we’re honored to serve vulnerable elders, people with disabilities, and people in recovery – and their families and professional caregivers – day in and day out. We’re a caring, diverse, values-driven company, with customers who say things like, “Your company saved my marriage,” “If not for True Link my Son would have returned to substance use,” and “This is the single best product I have ever experienced.” We’re a fast-growing fintech startup that also gets to provide our customers a life-changing solution to some of the most deeply personal, important problems in their lives.

Aspire is the all-in-one finance operating system for businesses. We help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Our mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential. We believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.

Increase is banking for developers. Anything you can do with your bank, you can do via API. If you transfer, store, invest, or lend money, we can help you move faster.

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.

Gauss allows people with good credit scores to significantly lower interest rates on their credit cards while they keep using them. Users connect their credit cards to the mobile app and get a revolving credit line in under 10 minutes. Gauss tracks and automatically pays off any expensive balance on connected cards, saving users thousands of dollars on interest charges and helping them pay off card balances faster and improve credit scores.

Take your business to the next level

VaultPay is a platform enabling financial institutions to transform local businesses into bank agents. Imagine a grocery store in a remote African mining region. Instead of miners traveling far to a bank to get their salary, with VaultPay, they can access their earnings and shop at the same store, boosting convenience for customers and cutting costs for banks.

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.

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.

Terrace is the best way to trade crypto. We're the degen platform for institutions and the institutional platform for degens. Terrace is a multi-wallet, non-custodial crypto trading terminal and broker. We offer best price routing, advanced order types, synthetic pairs, token screening, and portfolio management on 12 chains. You can use Terrace for DeFi-only (no-KYC) or get access to the world's top CEX, OTC, and MM via our KYC-ed platform. Think DeBank, 1inch/Matcha, DEX Screener, and more rolled into one.

We are Square for Latin America and target 10M neighborhood corner stores. Merchants in México are underbanked and have little financial data, making it difficult to access traditional loans. We digitize Merchants with a Point of sale system. It allows them to run their business more efficiently and apply for loans based on their cash flow and inventory.

Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing. The company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class. Ledger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.

Parker is a digital bank.

Arc empowers startups with a better banking experience. With Arc, you can store deposits, schedule and manage payments, diversify cash across asset classes, and access non-dilutive financing all in one place. Arc is based in San Francisco and is funded by Left Lane Capital, NFX, Bain Capital Ventures, Clocktower Technology Ventures, Torch Capital, and Y Combinator, among others. To learn more, visit www.arc.tech.

EthosX is a decentralized finance platform creating end-to-end financial derivatives on blockchains. No centralized exchanges, clearinghouses, depositories, clearing banks, CSD participants etc. required. We are starting with cryptocurrency options first, with the intention to move towards other crypto derivatives and traditional finance derivatives eventually. For example, one can buy a bitcoin hedging token directly from EthosX without involving any exchange or counterparty and earn profits when the bitcoin price is falling (similar to a put option). It is perpetual and is completely on-chain, end-to-end. It is held as a token in wallets and can be sold/transferred to anyone at any time. At institutional level, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk. We are also providing derivatives infrastructure to other crypto companies who want to use these products as a part of a larger package to their customers. Global derivatives ecosystem is broken. Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. Crypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences. We at EthosX intend to pick the best of both worlds and change the way retail and institutional financial derivatives are traded world over.

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

Enabling merchants and consumers to offer flexibility at the point of sale