Financial Technology and Services Startups funded by Y Combinator (YC) 2025

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

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.

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.

Account-to-Account payments in Mexico and Chile.

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.

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.

Eazipay is Africa’s leading payroll and payment automation platform, making it easy for businesses to pay their teams accurately, on time, and with minimal effort. Our Payroll API enables businesses, fintechs, and platforms to integrate payroll processing directly into their systems—automating salary payments, tax deductions, and compliance. Beyond payroll, Eazipay also empowers workers by providing faster access to their earnings and financial benefits. With features like early wage access and financial wellness tools, we help employees and gig workers gain more control over their income and financial stability. We now serve over 10k businesses, with many YC companies as customers.

Frontpage is building a community for 100M Indian traders and investors. Millions of new traders and investors are looking to participate in financial markets. FrontPage harnesses power of community where traders and investors can connect with each other, share their ideas, and learn from each other.

Capi helps businesses in emerging markets make international payments. Importers in emerging markets pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in emerging markets the same price and speed as we expect in the US and Europe.

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/

PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks. Every year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. We bring growth, efficiency and transparency to otherwise hard to insure markets.

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.

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 :)

With Novel, international founders can get a U.S. business bank account, multi-currency wallets, global transfers in 140+ currencies, and more all in a single place.

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

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.

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.

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

Poko enables seamless transfers from local payment rails to web3 infrastructure enabling web3 wallets, marketplaces, games and DApps to acquire more users. With Poko’s SDK, web3 builders can easily enable fiat-to-crypto onramping with 100+ common local payment methods or easily pay for NFTs with local payment methods. Poko's fiat-to-cryptoonramp aggregator reduces onramping costs by up to 70% and increases transaction success rates by up to 5x through a smart routing logic and a single integration to multiple onramps. It's Direct Checkout solution enables one step purchasing from fiat payment rails from any smart contract for 79% higher user conversion. The co-founders’ experience includes being chief strategy officer of a $2.4B coincap protocol, leading technical implementation of Singapore’s central bank’s experiment in cross-border payments on blockchain rails, policy experience as payments task force member at the World Economic Forum, ex-Ethereum Foundation Fellow, and CTO of a 2M+ user play to earn game.

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.

Greenlite is the leading AI agent platform for compliance in financial services. Regulated banks and fintechs — including those overseen by the OCC, FDIC, and SEC — trust Greenlite to automate mission-critical work like sanction reviews and anti-money laundering investigations with speed and accuracy.

Flex is a payment platform for businesses to accept HSA/FSA, unlocking the $150B per year sitting in HSA/FSA accounts.

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

Salt is a neo banking solution stitched together to ease payments and documentation which comes with business banking by moving it to a digital-first and automated end to end platform.

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.

Did you know that if your car is eligible for booting and towing in NYC, all of your registered vehicles are eligible? Now imagine you have thousands of vehicles in thousands of cities. We make sure that your vehicles are compliant.

Fondeadora is the digital alternative to the traditional Mexican banking system. We know that the current system is broken and we want to fix it. Our mission is to free people from their banks by giving them back control over their money. We want to serve the 54 million Mexicans who are unhappy with their current banks and the 65 million of Mexicans who currently do not have a bank account. Our first product is a mobile banking app and an international Mastercard debit card so you can spend, store and move your money seamlessly, completely fee-free. Join us in this magical mystical ride.

GoodFin is reimagining private wealth in the era of AI. Our mission is to empower a new generation to build wealth, starting with their investments in alternative assets. Our AI-native platform combines a design-forward experience with a backend powered by a system of intelligent agents. We are building a future where AI unlocks financial hyperpersonalization, automation and optimization for sophisticated financial products, which are typically gated by advisors and reserved for very wealthy clients. This highly fragmented $1.25T global services market will undergo a sea change in the coming years, as trillions pass in the largest intergenerational wealth transfer to date. In a world where most financial decisions will become automated, we believe the next category-defining wealth company will still be human-driven at its core – powered by a high-value community like our membership base of professionals, founders and investors. The next generation financial giant will be an AI-native platform that makes wealth creation seamless, personalized, and social. That’s what we’re building.

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.

The New Money Company protects invoices with insurance. We help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill. Support number: +18889975745.

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.

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

Truss is an all-in-one banking and payment automation platform for construction businesses. With Truss, construction companies can manage bill payments, receivables, and corporate cards in one place. They can save time on manual data entry by integrating Truss with their existing tools and automating the full billing cycle, from invoicing and reconciliation.

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.

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.

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.

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.

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.

Forage is a mission-driven payments company that helps businesses accept government benefits through a single, unified API. Today, over 42 million Americans receive government assistance (ex: Supplemental Nutrition Assistance Program, or SNAP) to buy groceries. Starting with enabling EBT SNAP online, Forage builds the financial infrastructure empowering businesses to serve these shoppers online.

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.

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.

Coco Wallet is a global money app that lets users send, spend, save, and earn in digital dollars. It combines the simplicity of a neobank like "Revolut" or "Nubank" with the freedom of Web3. Giving anyone instant access to stable, borderless money without relying on banks.

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.

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.

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.

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.

Zavo is the first AI-native platform for in-person commerce. We unify payments, point of sale, and AI agents into one seamless platform, giving every restaurant and retail business its own Ai workforce. We started Zavo in May 2025, currently over 400 businesses of different sizes use Zavo to accept payments and manage operations The future of in-person commerce is autonomous, and Zavo is building it.

Sei is an AI platform for CX and Compliance teams. Simplify your customer support & collections workflows with a compliant AI

Parker is a digital bank.

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

One stop shop to find, invest, and service an alternative investment for RIAs, IBDs, and institutions.

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.

Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.

Simple to set-up, flexible and powerful platform to manage your business finances

We are Belvo, a financial API platform for Latam that enables any company or developer to access and interpret their end-users' financial information, through one easy-to-use API. Think Plaid for Latam. Our vision is to power the next generation of financial services in Latam by enabling more inclusive, efficient and empowering offerings through tech and data. Latam is a very exciting and dynamic place to be right now and a great place to build infrastructure for the next generation of financial products for a huge market.

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.

At Numero, we build software for political campaigns and nonprofits. We were founded in 2019 (after our founders met while working together on a Congressional race) with the goal of building a modern fundraising software suite from the ground up – one that users actually want to use. In that time, we’ve scaled our platform to serve thousands of clients ranging from city council seats to US Senate races, and have helped them collectively manage over $10B in contributions. Our platform is an all-in-one system comprised of a donor CRM, a broadcast email/text tool, and payment processing pages that our clients rely on for their work every day. We’re small, tight-knit team that has deep experience in this space and are backed by world class investors including 776, Y Combinator, and Initialized Capital.

We allow our users to create a single view of their finances from 22 banks, investment platforms and e-wallets to help them get control of their finances. We offer the most comprehensive account integrations and personal finance tools in Indonesia.

Our mission is to simplify finances, save money and time for millions of Indian businesses and people. We are a technology company that builds trusted, useful and insightful platforms for our clients to run their finances and improve their relationship with money.

Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings.

TAG is setting new standards and changing the way Pakistan banks by building a digital bank for the masses, with an aim to encompass the entire financial life of users, from basic banking such as bank account and Visa Debit card to employer payrolls, salary advances, savings, and neo-brokerage in future.

We're building the equivalent of 401ks for Pakistan as the first step towards building a comprehensive wealth management platform for the country.

Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly through alternative credit data. As a Consumer Reporting Agency (CRA), Nova Credit leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill critical gaps in traditional credit analytics. The company transforms the fragmented universe of consumer financial data into compliant, actionable risk insights through a comprehensive platform designed to increase conversion through expanded coverage, speed, and reliability. Leading organizations, including HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi, work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi. Learn more at www.novacredit.com or reach out to connect@novacredit.com.

Lenco is a multi-currency digital bank for businesses in Africa. With Lenco, retail outlets, hospitality businesses and startups can easily pay vendors, suppliers and perform cross-border payment while having access to growth capital.

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.

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

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

WeatherChecks application tells anyone when severe hail is about to strike and when it has in fact impacted a property. Using state of the science technologies we compute and analyze geo-weather data faster than every weather company globally. This allows companies, insurance companies specifically to gain dynamic insight into their overall exposure and enabling them to respond more quickly and efficiently to disaster.

Fizz is the #1 money app for young adults. Whether you want to build credit, manage your money or have no idea where to start, Fizz is there to help you every step of the way. Download the app for free to check your credit score, get personalized spending insights and take fun bite-sized courses. Become a Fizz Member to take your finances to the next level with a debit card that builds credit. With no interest and daily autopay that prevents you from overspending, the Fizz Card is the ultimate financial hack. Fizz is backed by Kleiner Perkins, SV Angel, Y Combinator, and the founders of eight Unicorns.

Nomba provides Banking and payment to over 200k+ business in Africa (Nigeria & DRC).

At Clupp, we offer innovative insurance solutions for underserved markets. Whether it's B2C coverage for bicycle and scooter riders in Latin America, B2B SaaS solutions empowering insurance brokers worldwide, or creating new insurance products to guarantee financing for startups in the United States—we're pushing the boundaries of what's possible in the insurance industry.

NextPay is a digital bank for small businesses and entrepreneurs in The Philippines. They use us to send invoices, collect payments, do payroll, and pay their bills. NextPay is the best alternative to bank accounts for small businesses and entrepreneurs in the Philippines. We help them similarly to how Brex helps companies in the US, but in a way that is more locally nuanced. We manage their finances and remove the steep barriers that Filipino banks and financial institutions typically require; no setup fees, maintaining balances, or ridiculous requirements. View the full context on our Launch Bookface post: https://bookface.ycombinator.com/posts/51999

Amenli is the first licensed online insurance broker in Egypt. Egypt has one of the lowest insurance penetrations in the world with a 100m population and a $2B GWP market growing 20+% YoY and a potential TAM of $10B. Over the past few months, Amenli issued 500+ policies in less than 10 mins compared to the minimum of 3 weeks industry standard. Amenli co-founders, Shady & Adham were founding team members of Paymob, one of the fastest growing payment companies in MENA. Shady was CCO and Adham was its Tech Lead and they worked together for more than 3 years to scale-up Paymob from scratch to 50K+ merchants, 5 countries and dozens of millions of monthly transactions.

Go live in less than an hour. Accept local payments, subscriptions, and installments in LATAM with a checkout built to match your ambition. ‍ Engineered for companies that set the standard. With our platform and API, companies can integrate over 100 local payment methods from the region, including cards, bank transfers, cash, and even wallets. In addition, they always receive the best human support with fair pricing and utmost transparency, enabling them to scale across the region 10 times faster.

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

Peakflo, with its Agentic Workflows and one-click ERP integrations, helps finance teams eliminate manual work across the entire invoice-to-cash, procure-to-pay, travel and expense reimbursement, and operations. 100+ businesses—from scale-ups to enterprises, use Peakflo each to: ✅ Save 1000 man-hours/month on finance ops ✅ Get paid faster on customer invoices by 15-25 days ✅ Cut vendor bill payment time by 50% ✅ Automate three-way matching

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.

We’re solving personal finances for a generation that’s been left to figure it all out alone. From managing cash to filing taxes to actually starting to invest, Winford gives everyone the real guidance and tools they need, all in one place. Download our app on the app store to get started! We also offer a cash account (AlphaCash) that goes beyond traditional and high yield savings accounts — allocating your idle dollars into high-quality, short-term bonds through money market funds, personalized for your taxes and goals. Included with Winford subscriptions or available on its own.

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.

Monet provides Instant cash-advances to employees in Latin America. We are a mobile app available to any employee with a recurring income and a bank account.