[ { "id": 439, "name": "Coinbase", "slug": "coinbase", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1169cb0b69fa7b338b5d51c2d3805f8f988bdfa5.png", "website": "https://www.coinbase.com", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "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.", "one_liner": "Buy, sell, and manage cryptocurrencies.", "team_size": 6112, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1336096943, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2012", "status": "Public", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coinbase", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2012/coinbase.json", "year_founded": 2012, "city": "Los Angeles", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/coinbase", "fb_url": "https://www.facebook.com/Coinbase/", "cb_url": "https://www.crunchbase.com/organization/coinbase", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1169cb0b69fa7b338b5d51c2d3805f8f988bdfa5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 28338, "full_name": "Brian Armstrong", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/barmstrong/", "x_url": "https://twitter.com/brian_armstrong", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74b21feb7c1dcea504e64630f7dba9073fbb05d4.jpg" } ], "jobs": [], "news": [ { "title": "Marqeta Works With Coinbase on Cards Backed by Stablecoins", "url": "https://www.digitaltransactions.net/marqeta-works-with-coinbase-on-cards-backed-by-stablecoins/", "date": "Oct 16, 2026" }, { "title": "AI agents make 138 million crypto payments as U.S. dominates spending on AI models", "url": "https://www.coindesk.com/business/2026/10/14/ai-agents-make-138-million-crypto-payments-as-u-s-dominates-spending-on-ai-models", "date": "Oct 14, 2026" }, { "title": "Coinbase’s Brian Armstrong: ‘I’m just as bullish on crypto as ever’", "url": "https://www.ft.com/content/d6e0e384-5fc8-4219-9e78-cfb1234b236a", "date": "Nov 18, 2022" }, { "title": "Coinbase’s Chief Product Officer’s Plan To Build Through The Crypto Winter", "url": "https://www.forbes.com/sites/stevenehrlich/2022/10/03/coinbases-chief-product-officers-plan-to-build-through-the-crypto-winter/", "date": "Oct 03, 2022" }, { "title": "Coinbase Brought Crypto to Main Street. Now Brian Armstrong Wants to Be Your Banker | Inc.com", "url": "https://www.inc.com/magazine/202112/bill-saporito/brian-armstrong-coinbase-blockchain-bitcoin-crypto-nfts.html", "date": "Dec 06, 2021" } ], "launches": [] }, { "id": 523, "name": "Standard Treasury", "slug": "standard-treasury", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "website": "http://standardtreasury.com", "all_locations": "San Francisco, CA, USA", "long_description": "Standard Treasury helped banks harness the power of developers and developer ecosystems by building, hosting, maintaining, and supporting white-labeled and co-branded developer platforms for banks worldwide. Standard Treasury partner banks saw material top-line growth through the decreased cost of servicing their customers, decreased churn, and increased transaction volumes, while delivering tremendous value to their customers by allowing them to radically automate their treasury management and accounting processes.", "one_liner": "Banking APIs; acquired by Silicon Valley Bank in August 2015", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523391, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/standard-treasury", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/standard-treasury.json", "year_founded": 2013, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/standard-treasury", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 21238, "full_name": "Daniel Kimerling", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dkimerling/", "x_url": "https://www.twitter.com/dkimerling/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e89a4f5c437233ca5966c570f09a1e6cfc178df1.jpg" }, { "user_id": 54912, "full_name": "Brent Goldman", "title": "Founder/CTO", "founder_bio": "S13 founder of Standard Treasury, one of the first banking API platforms. Pre-IPO at Facebook and Uber. More recently focused on AI, angel investing, coaching.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/brentgoldman", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ed4fddf5bc0f5587062540e9a4c71e6598c8b39.jpg" }, { "user_id": 1308, "full_name": "Zac Townsend", "title": "Founder/Head of Product", "founder_bio": "Zac Townsend is the CEO of Meanwhile, a startup full stack life insurer. \n\nHe built the banking startup Standard Treasury (YC S13), which he ultimately sold to Silicon Valley Bank. \n\nHe was the inaugural Chief Data Officer of California and was CTO of Newark, NJ under then Mayor Cory Booker. \n\nHe is a published statistician, and his writing has appeared in the American Banker, Financial Times, San Francisco Chronicle, San Francisco Examiner, San Jose Mercury News, Slate, and TechCrunch.\n", "is_active": false, "linkedin_url": "http://linkedin.com/in/zactownsend", "x_url": "https://twitter.com/ztownsend", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3921e47b054b038248a0f42e61a1d7649dfcaac.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 527, "name": "Buttercoin", "slug": "buttercoin", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://buttercoin.com", "all_locations": "New York City, NY, USA; Palo Alto, CA, USA", "long_description": "Buttercoin is an open source, high-volume digital trading engine used to arrange trades in an order book.", "one_liner": "Bitcoin Marketplace", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523424, "tags": [ "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/buttercoin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/buttercoin.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/buttercoin", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 35385, "full_name": "Bennett Hoffman", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bennhoffman", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9a17efd2e28d6e049c36a24ec39cbe977b7c0215.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 556, "name": "Arcus", "slug": "arcus", "former_names": [ "Regalii", "Arcus (Regalii)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aec220d04601dd15bfec9a15721da8ac54ba82b6.png", "website": "http://arcusfi.com", "all_locations": "New York City, NY, USA; Mexico City, CDMX, Mexico; Miami, FL, USA", "long_description": "Payments-as-a-service (“PaaS”) platform that enables any business to launch and offer innovative payment solutions across LatAm. Our mission is to make payments possible for everyone.\r\n\r\nWe strive to improve people’s financial health by helping our clients empower their users, giving them a better way to manage their payments.\r\n\r\nThe world’s largest and most innovative companies choose Arcus to accept and process payments across the Americas including BBVA, Santander, Walmart, 7-Eleven, and Rappi. Arcus was launched in 2013 through Y-Combinator and is backed by Ignia, Citi Ventures, Softbank, Initialized Capital, Andreessen Horowitz, Kapor Capital, among others.", "one_liner": "Payment-as-a-service that helps any business launch payment solutions", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523698, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "Mexico", "America / Canada", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arcus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/arcus.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arcusfi/?viewAsMember=true", "x_url": "https://twitter.com/arcusfi", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/regalii", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/aec220d04601dd15bfec9a15721da8ac54ba82b6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 38199, "full_name": "Edrizio De La Cruz", "title": "Founder/CEO", "founder_bio": "Edrizio is an ex Visiting Partner at YC and was the co-founder and CEO or Arcus (S'13), which was sold to Mastercard. The company grew to serve over 200 clients and processes billions of dollars annually. In 2021, the company was sold to Mastercard. Edrizio holds an MBA from The Wharton School. He was born in the Dominican Republic, grew up in Harlem and now resides in Miami. He loves comedy, hiking, writing and his 1 year old baby girl.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edrizio-de-la-cruz-2b8ab75/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53eb3894ef94ea5ba10436df035313d206126487.jpg" }, { "user_id": 38198, "full_name": "Juan Maldonado", "title": "Founder", "founder_bio": "Juan was the co-founder & COO/CPO of Arcus, (S' 13). A payments platform for LatAm. He helped build an international team from the ground up and manage all operations as COO; as well as head of people where he was responsible for hiring over 200+ppl. Arcus was acquired by Mastercard in 2021, he's since focused his energy on helping other fellow entrepreneurs as an advisor/Angel investor. \n\nBefore co-founding Arcus, Juan ran Michael Bloombergs financial empowerment center in NYC. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juanmaldonado2/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/731506e6c93fc9310c18605b9332d54dcb33de92.jpg" }, { "user_id": 38197, "full_name": "Iñigo Rumayor", "title": "Founder", "founder_bio": "Iñigo is the CEO of Arcus, a multi-rail payments platform, with a direct connection\nto the RTP network in Mexico (SPEI), which in 2021 became the first acquisition by Mastercard in Latin America.\nHe previously founded Regalii, a cross border bill pay platform where he held\nvarious roles including CRO and COO. Iñigo is a Mexican entrepreneur, originally\nfrom Saltillo, and holds a degree in Economics from the University of Pennsylvania.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/inigorumayor/", "x_url": "https://twitter.com/InigoRumayor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/23df46df4a8777806b8e752ab3523e48b25856e0.jpg" } ], "jobs": [], "news": [ { "title": "Mastercard Expands Support of LatAm Real-Time Payments with Acquisition of Arcus", "url": "https://investor.mastercard.com/investor-news/investor-news-details/2021/Mastercard-Expands-Support-of-Latin-America-Real-Time-Payments-with-Acquisition-of-Arcus/default.aspx", "date": "Dec 03, 2021" } ], "launches": [] }, { "id": 597, "name": "Axoni", "slug": "axoni", "former_names": [ "TradeBlock" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "website": "https://axoni.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools. ", "one_liner": "Axoni is building the next generation of capital markets technology", "team_size": 155, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1384978765, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Greg and Jeff, brothers and co-founders of Axoni, have worked together for over a decade, bringing complimentary skills leveraging both their unique backgrounds. Greg started his career working on Fixed Income at Citi, leaving to work in tech, while Jeff was the Engineering Lead in a strategy group at Raytheon. In 2013, they recognized the lack of enterprise-grade tools for bitcoin trading and began to build  TradeBlock, their first company, with products for institutional clients including data feeds, an institutional portfolio management platform, and created the road to building technology around core banking transactions. " }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Axoni started in 2016 - originally as an additional business line at TradeBlock, with the goal of overhauling global capital markets infrastructure. In 2016, the company launched announcing an engagement with ICAP’s Post Trade Risk and Information division to optimize post-trade workflows in the foreign exchange market. Later in 2016, seven firms, including Bank of America Merrill Lynch, Citi, Credit Suisse, J.P. Morgan, and The Depository Trust & Clearing Corporation (DTCC) announced the successful test of blockchain technology and smart contracts to manage post-trade lifecycle events for credit default swaps (CDS). In 2017, eleven firms completed a pilot to manage equity swap transactions, leading to the launch of Veris, Axoni’s permissioned ledger network for equity swaps. In 2020, Axoni continued to grow rapidly, including technology partnerships with DirectBooks™, the communication platform for primary issues of corporate bonds and the Options Clearing Corporation (OCC), the world’s largest equity derivatives clearing organization." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The world of capital markets is a massive web of proprietary systems, processing large volumes of highly complex data. It’s built from layers and layers of systems or databases that need to interact to process every trade. These systems were not built anticipating challenges around synchronization with external parties, often breaking as they try to communicate with one another. Despite endless layers of manual and automated reconciliation processes, inter-system data synchronization remains one of the most pervasive and costly problems in capital markets, stemming from risk of synchronization loss, mistranslation, and data integrity. Axoni’s technology allows clients to have provably accurate data in real-time to reduce operational risk and costs, as well as unlock unprecedented opportunities for data analytics." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Our vision is a world of perfectly synchronized data across financial markets, eliminating the massive costs and risk that exist in the markets today. Our goal is to be the  de facto protocol for sharing data in financial markets to enable our clients to move beyond the constraints and inefficiencies of legacy systems. " } ], "url": "https://www.ycombinator.com/companies/axoni", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/axoni.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axoni/", "x_url": "https://twitter.com/axoni", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/axoni", "github_url": "https://github.com/Axoni", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 58403, "full_name": "Greg Schvey", "title": "Founder/CEO", "founder_bio": "Greg is a repeat entrepreneur and drives Axoni’s strategic execution. He previously co-founded TradeBlock and worked as a fixed income analyst at Citigroup. Greg holds a bachelor’s degree from Cornell University where he studied finance.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d62a7c5e825a339b299d13a4aec273319b0723af.jpg" }, { "user_id": 58404, "full_name": "Jeffrey Schvey", "title": "Founder/CTO", "founder_bio": "Jeff oversees all technology at Axoni. He previously co-founded TradeBlock and worked as the Engineering Lead in Raytheon’s strategy group. Jeff holds a master’s degree in engineering from Cornell University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeffschvey/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e3ce8b56378db0470d2bb2e98ac4473e13e5b01b.jpg" } ], "jobs": [], "news": [ { "title": "Axoni Announces $20 Million Equity Financing Led by EJF Ventures with Participation from Laurion Capital, Communitas Capital, and Existing Investors - A X O N I", "url": "https://www.axoni.com/press/axoni-announces-20-million-equity-financing-led-by-ejf-ventures-with-participation-from-laurion-capital-communitas-capital-and-existing-investors/", "date": "Apr 26, 2023" } ], "launches": [] }, { "id": 659, "name": "Bitaccess", "slug": "bitaccess", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08fc941c091f26331f34ae8c8b4c5585da5e276.png", "website": "http://bitaccess.com", "all_locations": "Ottawa, ON, Canada; Toronto, ON, Canada", "long_description": "We make enterprise software for crypto.\r\n\r\nOur leading product is a Bitcoin ATM. Customers have converted over $1B USD of cash into Bitcoin at our network.", "one_liner": "We make bitcoin simple. ", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907635, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bitaccess", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/bitaccess.json", "year_founded": 2014, "city": "Ottawa", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/bitaccess", "x_url": "https://twitter.com/bitaccess", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bitaccess", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08fc941c091f26331f34ae8c8b4c5585da5e276.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 43373, "full_name": "Moe Adham", "title": "Founder", "founder_bio": "Founded Bitaccess (S14, acquired NASDAQ:BTM), and Sol Strategies Inc (public, CSE:HODL).\n\nNow I'm working on something new.\n\nFind out more at moeadham.com", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/moeadham/", "x_url": "https://twitter.com/moeadham", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/997892cfd9cd2c0d783b242223e899858645fe45.jpg" } ], "jobs": [], "news": [ { "title": "Bitcoin Depot to Begin Trading on July 3rd on the Nasdaq Under Ticker Symbol BTM", "url": "https://www.globenewswire.com/news-release/2023/06/30/2698079/0/en/Bitcoin-Depot-and-GSR-II-Meteora-Acquisition-Corp-Announce-Closing-of-Business-Combination.html", "date": "Jun 30, 2023" }, { "title": "Bitcoin Depot Announces Acquisition of Majority Interest in Bitaccess", "url": "https://www.globenewswire.com/news-release/2022/11/02/2546525/0/en/Bitcoin-Depot-Announces-Acquisition-of-Majority-Interest-in-Bitaccess-a-Leading-Bitcoin-ATM-Software-Provider.html", "date": "Nov 02, 2022" } ], "launches": [] }, { "id": 698, "name": "Cheddar", "slug": "cheddar", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://cheddar.io", "all_locations": "", "long_description": "Ditch your bare-bones, high-fee checking account. You deserve free and powerful everyday banking.\r\n\r\nNearly 3 out of 4 millennials would rather go to the dentist than listen to their bank. While it's possible that we just really love our oral hygiene, it's more likely that we don't trust or like our banks.\r\n\r\nIt's not hard to understand why. Big banks use big budgets and armies of salespeople and marketers to sell old-school products layered with fees and penalties. Their profits increase when we spend more, overuse debt, and make mistakes like overdrafting.\r\n\r\nBig banks get away with this because banking is such a vital service. Everyday spending and saving decisions that begin at the checking account ultimately determine whether we'll lead a healthy and secure financial life.\r\n\r\nWhat can be done? Bill Gates believes banks aren't necessary for banking. Millennials believe technology companies can make banking better. So let's build a better bank. 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This is expected to cost the industry $15B in human labor. We talked to these humans, and learned that they spend 1/3 of their time just asking other humans for documents and data that are almost universally available online. While the market is slowly moving to transactional data, Lendsnap is the only company helping lenders get ahead of the competition by delivering original electronic documents and data sets. That means portfolios of our lender customers stay completely liquid in the secondary market. No one else can offer that today.\r\n\r\nLendsnap instantly gathers the original borrower documents and data for lenders by linking to consumer financial accounts. We increase loan origination team productivity by 25%+ and save applicants several hours on each application as well. Our intuitive and easy-to-use workflow makes it easy and safe for borrowers to turn in and for loan officers to receive the necessary documents for lenders to make a credit decision.\r\n\r\nAs the only company delivering the right documents and data to originate non-agency loans such as VA, FHA, and subprime, we are able to work with all types of lenders. Furthermore, we are uniquely suited to serve mortgage brokers (12% market share) who have to remain flexible to the credit needs of their diverse borrowers. We are the only post-launch company that delivers actual electronic statements straight from source institutions, such as Bank of America, TurboTax, Chase, and hundreds more.", "one_liner": "The Digital Mortgage Company.", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1462207814, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/lendsnap", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2016/lendsnap.json", "year_founded": 2014, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/in/orionparrott", "x_url": "https://twitter.com/orionparrott", "fb_url": "https://www.facebook.com/orion.parrott/", "cb_url": null, "github_url": "https://github.com/orionparrott", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/26734dd422c43a11f7fc46d4eac4836b94e7fd36.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 128600, "full_name": "Orion Parrott", "title": "Founder/Founding CEO", "founder_bio": "CEO at https://openfpga.ai/. \nFounding General Partner at Orange DAO https://orangedao.xyz/\nVenture Partner at Taisu Ventures https://www.taisu.io/", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/orionparrott/", "x_url": "https://twitter.com/orionparrott", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/361e4f67864e388bc7624c0cbe070c853a034fc0.jpg" }, { "user_id": 143666, "full_name": "Mike Romano", "title": "Founder/| Vice President of Business Development", "founder_bio": "Sales and business development executive experienced in leading and scaling sales teams in growth environments and driving strategy and execution of key partnerships. \nA former founder of a Y Combinator-backed startup in the mortgage technology space. I'm now leading business development and marketing at another YC-backed firm, Stairs Financial.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mikerromano", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e5c6922fa7657dd5243a4fc9857d4013f161fb95.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1482, "name": "Sandbox Banking", "slug": "sandbox-banking", "former_names": [ "Sandbox", "AlphaPack", "Sandbox" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://sandboxbanking.com", "all_locations": "Boston, MA, USA; Los Angeles, CA, USA; Remote", "long_description": "Sandbox Banking provides a low-code platform to quickly build and run banking integrations. Our software is literally a web application named Glyue, and it's typically used by banks, credit unions, and fintechs to connect banking systems. 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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.\r\n\r\nBrex offers:\r\n- Corporate cards with 10-20x higher limits\r\n- Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance\r\n- Reward options that include billboards, offsites, and coaching\r\n- Founder-friendly financial modeling tools\r\n- Special events and masterclasses for founders\r\n- Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.\r\n\r\n", "one_liner": "Business accounts, corporate cards, and spend management software.", "team_size": 1000, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1481770830, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Henrique Dubugras and Pedro Franceschi founded Brex is 2017, but that’s not when their friendship and entrepreneurial journeys began. In 2012, Henrique and Pedro were both high school seniors living in Brazil (Henrique was in Sao Paulo and Pedro was in Rio de Janeiro). They were both interested in coding and software development, and met on Twitter when they got into a heated exchange about the nuances of coding tools. Twitter’s character limit didn’t allow them to go into too much depth about our respective arguments, so Henrique and Pedro decided to hop on Skype to discuss there instead. They instantly became friends. About a year later in 2013, Henrique and Pedro worked together to launch their first company, [Pagar.me](http://Pagar.me). [Pagar.me](http://Pagar.me) was a startup that allowed Brazilian merchants to accept online payments, similar to what Stripe is now focused on. Three years later, Henrique and Pedro sold [Pagar.me](http://Pagar.me) to Stone, a Brazil-based payments fintech company. This moment led them to the next part of our entrepreneurial journey, where they both decided to come to the U.S. after applying and being accepted into Stanford. Their time at Stanford didn’t last long though —Henrique and Pedro dropped out eight months later after they received funding from Y Combinator to start a VR company. They quickly learned, however, that they didn’t actually know much about the VR world and had a real passion for tech investing.As entrepreneurs themselves, Henrique and Pedro realized how difficult it was for founders to receive enough funding to launch their businesses. They initially wanted to build bank accounts for U.S.-based startups, but pivoted to creating a corporate credit card. Today, Brex has tens of thousands of customers including notable companies like DoorDash, Coinbase, Scale AI, Indeed and more. Today Brex offers a whole range of services like expense management, business accounts, bill pay, financial modeling, travel, and more." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "Brex has loved the ongoing collaboration with YC, including partnering together to host supper club dinners, founder mixers, happy hours and end of batch parties. Brex has continued to lean into the YC community via a billboard program whereby Brex+YC celebrate graduating classes by promoting their companies on prominent billboard placements. " } ], "url": "https://www.ycombinator.com/companies/brex", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/brex.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/brexhq/", "x_url": "https://twitter.com/brexHQ", "fb_url": "https://www.facebook.com/BrexHQ/", "cb_url": "https://www.crunchbase.com/organization/brex", "github_url": "https://github.com/brexhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/72237ca3782563f0b12ffe1fe9869d878c153ab6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1b975086d8d2cde8b4e8b012ce04f5a990c13b17.png" ], "primary_partner": null, "founders": [ { "user_id": 60228, "full_name": "Henrique Dubugras", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://br.linkedin.com/in/henriquedubugras", "x_url": "https://twitter.com/hdubugras", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e61b2b8be0fc201630620a5df8630e858afa8f9.jpg" }, { "user_id": 172964, "full_name": "Pedro Franceschi", "title": "Founder", "founder_bio": "Founder and CEO at Brex.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pfranceschi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1945b735c5504ac4c7626c2fd41e9063d1fae75a.jpg" } ], "jobs": [], "news": [ { "title": "Capital One Strikes $5.15 Billion Deal for Fintech Brex", "url": "https://www.wsj.com/finance/banking/capital-one-to-buy-fintech-brex-e2dacc67?gaa_at=eafs&gaa_n=AWEtsqfBvjODZhaowoYTNJzxJ5W90mvusvRHo90ICbpmtKpeOQUFffy7ySzAywz8QBA%3D&gaa_ts=69729ee2&gaa_sig=BsWPmpXOUvmTklD0a13cPc6BwkaFbGDgyOtQlVGVzazBlRs0hGTCpqOm2OtlbtIrI96mOnH0qvGO5M3BnKAgmA%3D%3D", "date": "Jan 22, 2026" }, { "title": "Fintech Brex Eyes $500 Million in 2025 Revenue as IPO Mulled - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-02-24/fintech-brex-eyes-500-million-in-2025-revenue-as-it-mulls-ipo", "date": "Feb 24, 2025" }, { "title": "Building a startup: The importance of cash management", "url": "https://finance.yahoo.com/video/building-startup-importance-cash-management-225514300.html", "date": "Dec 15, 2023" }, { "title": "Scaling Fast and Compounding Success with Brex Co-Founders & Co-CEOs, Henrique Dubugras and Pedro Franceschi - The Next Great Thing | Podcast on Spotify", "url": "https://open.spotify.com/episode/46a4Psux8GMdfLIYMAROHI?si=9A6iWUPqQQeGM6mZjqVZyQ&utm_source=copy-link&utm_medium=copy-link&_branch_match_id=1189928885100965876&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXLy7IL8lMq9TLyczL1s%2BLTAwzL6zyT3JNAgBO8UyyIAAAAA%3D%3D&nd=1&dlsi=abf5dc220b4947d9", "date": "Oct 25, 2023" }, { "title": "Brex: From Startups to Enterprise Solutions | Entrepreneur", "url": "https://www.entrepreneur.com/growing-a-business/this-12-billion-startup-nearly-imploded-when-the-founders/454714", "date": "Jul 19, 2023" } ], "launches": [] }, { "id": 1584, "name": "Long Term Stock Exchange", "slug": "long-term-stock-exchange", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c4eb3cefb725e1a8d1e43e578f29268446d786af.png", "website": "http://ltse.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "LTSE partners with companies across their lifecycle to help them grow and scale from formation through IPO. The Long-Term Stock Exchange (LTSE) is an SEC-regulated national securities exchange designed to align great companies and long-term investors with the shared goal of value creation. They have assembled a world-class team of experts and advisors with deep expertise in finance, regulation, law, and technology.\r\n\r\nAt every stage, from private investment into the public markets, strategically managing equity and a company's cap table has an outsized impact on long-term success. So in addition to the exchange, LTSE also built LTSE Equity, a full-lifecycle cap table management solution for planning, managing, and collaborating on startup equity.\r\n\r\nEric Ries, an entrepreneur and author of the New York Times bestseller, The Lean Startup, is the founder of the LTSE. Eric is the creator of the Lean Startup methodology, a global movement and management philosophy practiced by companies large and small. He founded a number of startups, including IMVU, where he served as CTO, and has advised on business and product strategy for startups, venture capital firms, and large companies, including GE, partnering with them on the FastWorks program.", "one_liner": "LTSE is an ecosystem for visionary business.", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1493076695, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/long-term-stock-exchange", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/long-term-stock-exchange.json", "year_founded": 2012, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ltse", "x_url": "https://twitter.com/ltse", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/long-term-stock-exchange", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c4eb3cefb725e1a8d1e43e578f29268446d786af.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 169384, "full_name": "Eric Ries", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eries", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3e69215c9c72f3cced8abbc5b6dd6f83e789438.jpg" }, { "user_id": 195075, "full_name": "John Bautista", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/john-bautista-a010912", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5c73e924952d171c1daefdf78c20592a6d349c1e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1810, "name": "Treasury Prime", "slug": "treasury-prime", "former_names": [ "Ronin Financial Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fb0b666cc71eaf3fdcc64a67ec3b353f2339e37f.png", "website": "https://treasuryprime.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Founded in 2017, Treasury Prime is an embedded banking software platform connecting enterprise companies to a vast marketplace of banks and product partners to launch next-gen payment ecosystems on their platform. Our banking API offers the quickest, most secure way for fintechs and banks to partner, integrate and build modern financial products and increase revenue streams.\r\n\r\nWe power enterprise-class embedded banking solutions for a range of complex services including money transfer, risk mitigation and integration with bank infrastructure. It's these leading-edge capabilities that helped the company to win Best Banking-as-a-Service Platform from Tearsheet in 2021 and 2022. The company was also named to CB Insights’ annual 2021 Fintech 250 list.\r\n", "one_liner": "Embedded banking software platform and marketplace", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1510113792, "tags": [ "Banking as a Service", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/treasury-prime", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/treasury-prime.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/treasuryprime/", "x_url": "https://twitter.com/treasuryprime", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/treasury-prime", "github_url": "https://github.com/treasuryprime", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fb0b666cc71eaf3fdcc64a67ec3b353f2339e37f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 29006, "full_name": "Chris Dean", "title": "Founder/CEO", "founder_bio": "Founder of Treasury Prime.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ctdean/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/939336b582bd0e0db31d9979ca69710a514eed47.jpg" } ], "jobs": [], "news": [ { "title": "Proving that banking as a service is hotter than ever, Treasury Prime raises $40M Series C • TechCrunch", "url": "https://techcrunch.com/2023/02/01/proving-that-banking-as-a-service-is-hotter-than-ever-treasury-prime-raises-40m-series-c/", "date": "Feb 01, 2023" }, { "title": "Embedded finance startup Treasury Prime raises $40M", "url": "https://www.axios.com/pro/fintech-deals/2023/02/01/treasury-prime-raises-40m", "date": "Feb 01, 2023" }, { "title": "Treasury Prime Named \"Best Banking-as-a-Service (BaaS) Platform\" by Tearsheet for Second Year in a Row", "url": "https://www.treasuryprime.com/newsroom/tearsheet-best-baas", "date": "Jan 06, 2023" }, { "title": "Treasury Prime raises $20M to scale its banking-as-a-service biz • TechCrunch", "url": "https://techcrunch.com/2021/05/12/treasury-prime-series-b/", "date": "May 12, 2021" } ], "launches": [] }, { "id": 1855, "name": "Ben", "slug": "ben", "former_names": [ "Benjamin" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/950a7ff21b20446149a3abc8e1f1ea56dfb41d52.png", "website": "https://ben.co", "all_locations": "San Diego, CA, USA", "long_description": "Ben aims to be a unified platform for learning about, buying, selling, and storing cryptocurrency.\r\n\r\nWith the hundreds of wallets and exchanges floating around in the blockchain ether, it’s easy for novices to get lost in the fray. Ben’s mobile app distinguishes itself from other wallet exchanges by integrating crypto education, using the platform to also deliver news about currencies and offer Q&As related to crypto investing.", "one_liner": "The easiest way to learn about, buy, and store cryptocurrency.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1511226168, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ben", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/ben.json", "year_founded": null, "city": "San Diego", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/getbendotco", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ben", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/950a7ff21b20446149a3abc8e1f1ea56dfb41d52.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 52778, "full_name": "Miguel Kudry", "title": "Founder/CEO", "founder_bio": "0xef0265a157fe4d27d9eba922a8ed9086d0055d8f", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kudry/", "x_url": "https://twitter.com/kudry", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/df0c2d66d8ecc73388c92a00436777570d75d71a.jpg" }, { "user_id": 79062, "full_name": "Alex Sismanis", "title": "Founder/CTO", "founder_bio": "Software Engineer, Full Stack, Cryptocurrency, Blockchain Developer", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/alex-sismanis-5300b351/", "x_url": "https://twitter.com/alexsismanis", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/193f57911fc675cfb86f440c14e5bf71525e09b3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1960, "name": "Ajaib", "slug": "ajaib", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e1bf471cb1ca823b88101b2542b323bf09e743d5.png", "website": "https://www.ajaib.co.id/", "all_locations": "Jakarta, Jakarta, Indonesia; Remote", "long_description": "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.\r\n\r\nGuided 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.\r\n\r\nToday, 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.", "one_liner": "Consumer fintech for Indonesia", "team_size": 300, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1525233992, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ajaib", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/ajaib.json", "year_founded": 2019, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/ajaib-id", "x_url": "https://twitter.com/ajaib_investasi", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ajaib", "github_url": "https://github.com/ajaibid", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e1bf471cb1ca823b88101b2542b323bf09e743d5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/69bfed89afb0cb062c98b7ea12fd34480af90e5d.png" ], "primary_partner": null, "founders": [ { "user_id": 241033, "full_name": "Anderson Sumarli", "title": "Founder", "founder_bio": "Co-founder & CEO of Ajaib", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andersonsumarli/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cd3d5275bb80313e834b87aa2bec6569688af07b.jpg" }, { "user_id": 242064, "full_name": "Yada Piyajomkwan", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yada-piyajomkwan-88713865/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32de7ee20e7cbab7d08ee2c085e676d552f11d09.jpg" } ], "jobs": [], "news": [ { "title": "Ajaib rolls out priority service as total users double YoY", "url": "https://www.techinasia.com/ajaib-rolls-priority-services-total-users-double-yoy", "date": "Oct 11, 2022" }, { "title": "The future of financial services in Indonesia is mobile-first, says Ajaib’s Sumarli - Rest of World", "url": "https://restofworld.org/2022/the-future-of-financial-services-in-indonesia-is-mobile-first-says-ajaibs-sumarli/", "date": "May 24, 2022" }, { "title": "Behind Ajaib’s $100m push to become a digital bank", "url": "https://www.techinasia.com/ajaibs-100m-push-digital-bank", "date": "Apr 27, 2022" }, { "title": "Stanford Grads’ Stock Trading App Is Indonesia’s Newest Unicorn", "url": "https://www.bloomberg.com/news/articles/2021-10-04/stanford-grads-stock-trading-app-is-indonesia-s-newest-unicorn?sref=75bHIbat", "date": "Oct 04, 2021" } ], "launches": [] }, { "id": 1970, "name": "Alpha Vantage", "slug": "alpha-vantage", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fccb7b1e6dbde25d668a442439b79122df4f20cd.png", "website": "https://www.alphavantage.co/", "all_locations": "Boston, MA, USA", "long_description": "Alpha Vantage provides enterprise-grade financial market data through a set of powerful and developer-friendly data APIs and spreadsheets. Whether you need traditional asset classes (e.g., stocks, ETFs, commodities), economic metrics, foreign exchange rates, cryptocurrencies, fundamental data or even technical indicators, Alpha Vantage is your one-stop shop for global market data delivered through REST APIs.", "one_liner": "Developer-friendly and enterprise-grade APIs for financial market…", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1525316905, "tags": [ "Developer Tools", "SaaS", "Analytics", "API", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Alpha Vantage began as a passion project started by the founders while they were attending grad school together. The idea was conceived through a shared interest in the stock markets and investing as well as a fundamental desire to make something that the founders themselves would want to use. Truthfully, the founders did not originally build Alpha Vantage with the intention of creating a business out of it, but the exponential user adoption and intensity of usage made the decision to start a business natural and obvious - as well as the best way for us to serve our users (and eventually paying customers)." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "A close friend and classmate in graduate school, Lee Lin, encouraged us to apply. Lee went through YC in S09 (incidentally, the same batch as Stripe!) and supported us throughout our entire YC journey by providing valuable feedback on our application, giving us practical advice on the interview, and even flying into California just to attend our Demo Day! The written application itself was very straightforward. YC makes it extremely easy with their online application. If you are working on a startup or even just an idea, you having absolutely nothing to lose by writing and submitting an application! I will admit that the interview (in-person at YC’s HQ in Mountain View, CA) was quite stressful. The nervous energy that permeated the air of the lobby and lounge area, mere steps away from the rooms in which interviews were taking place, was palpable. Naturally, the interview was the classic 10-min rapid fire format. I recall one of the first questions we were asked was quite pointed: “Many have tried to build what you two are doing and failed. How are you guys different?” Deep breathe. Do not get defensive. Answer the question succinctly and confidently. The 10 min were over before we knew it. It was stressful, but fair. Afterwards, we went to Castro street in downtown Mountain View to have dinner. In the middle of dinner, we received the call that would forever change our lives (“We would love to fund you guys!”). We immediately accepted YC’s offer of funding over the phone. We ended up having about a month from our acceptance into YC until the actual start of the batch. In the interim, there were some housekeeping items to attend to such as sending copies of our startup’s incorporation documents and other legal documents to YC’s Legal team and Finance team for review so we could receive YC’s investment! While still in the Bay Area, shortly after our interview, I remember attending a pre-batch kick-off event where Michael Seibel welcomed us to YC. I recall Michael said (paraphrasing), “So, technically the ‘batch’ has not started yet officially… but ‘YC itself’ has already started. So… I suggest you all get started! Like, right now! You can literally start booking office hours today! Start building and talking to your customers! We’ll see you this summer!”) Before long the summer came and the formal programming of the batch began. Things moved fast and we quickly settled into what would become a familiar rhythm: Write code. Talk to customers. Write more code. Talk to more customers. Write even more code. Talk to even more customers. Rinse and repeat. The weekly small group office hours and dinner events were highlights of each week that served to inspire and invigorate. The first dinner event featured the co-founder of Airbnb as a guest speaker, and subsequent dinner guests included Garry Tan (now president of YC!), Brian Armstrong (Coinbase), and even a special guest appearance from the legends themselves - Paul Graham and Jessica Livingston! Demo Day and fundraising were the culmination of our three months of hard work during the batch. The event would be split over two days and held at the venerable Computer History Museum in Mountain View, CA. Sadly, our batch (S18) would be the last batch to be hosted by the museum for Demo Day (due to the larger sizes of subsequent batches). Much like the lobby and lounge of YC’s HQ on interview day, the nervous energy in the backstage green room of the Computer History Museum auditorium was palpable with people pacing back and forth, meditating, or silently rehearsing their pitch one last time. Before long, it was our turn, and the Batch Director fitted the one of us who would be speaking (Olivier) with a microphone and sent us out on stage. The pitch exceeded our own expectations and was delivered with gravitas, poise, and even a touch of humor. The successful pitch was all thanks to the generous time and support of many partners, most notably our group partners Aaron Harris, Adora Cheung, and Yuri Sagalov, but also other partners including Dalton Caldwell. As soon as we finished our pitch, the “likes” from investors came flooding in through the Demo Day software. Fundraising is usually a tough slog and one has to usually deal with many rejections for every “yes” that they receive. The whole process can take several months to upwards of an entire year. We were very fortunate to be in the top-third of our batch in terms of ease of fundraising, with far more “yes” than “no” responses and we were ultimately able to wrap up our fundraising in less than a week. I will note that success in fundraising at Demo Day is not necessarily predictive of future success as a company - so do not get lulled into a false sense of security just because fundraising comes relatively easier to you at Demo Day. There is a quite a vast distance between the moment that one decides to start a company and the moment that one actually sees it get off the ground. Unfortunately, the reality of startup life is that the journey across this distance (and beyond) can often be emotionally brutal; rife with feelings of intense loneliness which have to be balanced against a massive faith in what you are doing – a faith that is hard to sustain alone. We can truly think of no other partner we would want more than YC in embarking on such a journey. Special thanks to our group partners Aaron Harris, Adora Cheung, and Yuri Sagalov. They did NOT read drafts of this write-up, but we can unequivocally say that we would not have made it this far if it were not for their support and wise counsel." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "After our YC batch formally concluded in Sep 2018, we have kept in touch with the YC community through YC’s internal social network Bookface (think of it as a combination of LinkedIn, Quora, and Wikipedia). > Olivier: “I check Bookface at least once a day and it has been an invaluable source of knowledge, tips & tricks, and sometimes much needed humor/relief from the occasional ennui that comes with the territory of being a founder.”Alumni Demo Days (a dress rehearsal / practice-run of Demo Day in which the audience is made up of YC alumni / affiliates instead of professional investors) are also another excellent way for alumni to remained connected with the YC community. > Olivier: “I have attended every single Alumni Demo Day since becoming an alum. For the W19 and S19 batches, I was fortunate to attend in-person in San Francisco. These were very fun, well organized events and doubled as a kind of ‘YC mini-reunion’ of sorts - I miss them greatly. All subsequent batches (W20, S20, W21, S21, W22, S22) I have attended were done remotely through Zoom. Remote Demo Days have also been well organized (and with great music!), but naturally, they cannot compete with the experience of being in-person!”" }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Alpha Vantage began as a passion project created over winter break while the co-founders were in grad school together. Our first major inflection point came less than two months after Alpha Vantage went live, when a large incumbent/competitor called Yahoo Finance abruptly pulled the plug on their market data API, resulting in a massive influx of self-proclaimed “Yahoo Finance shipwreck survivors” (users who were previously using the Yahoo Finance market data API) coming to Alpha Vantage. Seemingly overnight the number of our active users and the number of API queries processed jumped by over 10x. We have never looked back since." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "High quality financial market information (e.g. stock price data of publicly traded companies) has traditionally been available only to large organizations/institutions and generally inaccessible (or very high friction to access) for individual end users. Companies such as Bloomberg and Thomson Reuters have created multi-billion dollar businesses catering to these large organizations/institutions and a specific type of user: the Wall Street trader. Traders in the modern day; however, are different. Traders today more closely resemble software developers who would prefer to access data via API as opposed to a closed-system such as a Bloomberg terminal (an expensive piece of financial hardware that one would find in virtually every financial institution). We know this for a fact because the exponential adoption and the intensity of usage of our APIs from the earliest days of our company all the way to the present have proven this time and time again." } ], "url": "https://www.ycombinator.com/companies/alpha-vantage", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/alpha-vantage.json", "year_founded": 2017, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/alpha-vantage-inc/", "x_url": "https://twitter.com/alpha_vantage", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/alpha-vantage", "github_url": "https://github.com/alphavantage", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fccb7b1e6dbde25d668a442439b79122df4f20cd.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/42/1534806485332-jb35l938txj-93b07f210ff9101acc71ee93df098fcb/a510b61aa204d7c68ad0fdd2bd25bb1b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022641Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=017f2a2d3643907ee3fabb5a31514115644e98967f9346e250e7e838624ad1a2", "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/86c06613e203e363249cd5677cc9d1e3928ce7ea.png" ], "primary_partner": null, "founders": [ { "user_id": 233513, "full_name": "Olivier Porte", "title": "Founder", "founder_bio": "I was born in London, UK and raised in Tokyo, Japan and the Bay Area. \nI co-founded Alpha Vantage in 2017, an API/dev tools company that was fortunate to be in the Summer 2018 batch. Today I continue to run Alpha Vantage day-to-day while also doing angel investing (mostly YC startups) on the side. 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We approve new accounts within a day! \n\nHey guys, I'm Tee from Multis. We're on a mission to provide corporate cards & spending management tools designed specifically for web3 teams. Meet the team!\n\n![uploaded image](/media/?type=post&id=67131&key=user_uploads/326849/60c6b8b3-2684-4a01-81e0-0f3228837318)\n\n### **❌ The Problem(s)**\n\n1. Web3 teams have a significant part of their assets in tokens sitting in treasury, but still have business expenses such as travel bills or web hosting that require USD.\n2. Opening up an account on trading apps such as Binance or FTX takes months. Banks don't want to work with web3 startups, leading to funding freezes or never-ending compliance checks.\n3. Many founders end up paying expenses or converting crypto from their own personal banking and exchange accounts. This isn't compliant nor scalable.\n\n### **🌟 Our solution**\n\nMultis has become the one stop shop to manage, convert and spend — no need to exchange your crypto anymore!\n\n* **Buy/sell crypto and use funds right away** to pay expenses and run a payroll in both crypto and USD\n* **Issue Multis Corporate Cards** to spend your treasury in goods and services, both offline and online\n* **Send and receive** **ACH and wires** (no fees, no limit) to pay your vendors and receive money from clients and investors\n* **Make your accountant and investors happy** with crypto reporting and accounting exports for both crypto and USD\n\n... all with the safety guarantees of Gnosis Safe!\n\n![uploaded image](/media/?type=post&id=67131&key=user_uploads/326849/1f9feff4-05e4-4356-8a8f-8a9aa4b088a0)\n\n### ❓ **Ask**\n\n1. If you're a web3 company/DAO dealing with treasury in cryptocurrencies (incl. USDC/T), [sign up now](https://multis.co/) and benefit from exclusive perks.\n2. If you're a VC fund/investor/incorporator/agency, feel free to reach out! We're always on the lookout for potential partnerships. We'll offer deals and priority onboardings to your portfolio companies.\n\n### **💌 Get access now!**\n\nSend me an email ([thibaut@multis.co](mailto:thibaut@multis.co)) and we’ll give you priority access to your account and [YC perks](https://bookface.ycombinator.com/deals/1431?query=multis) . 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I have more than 16 years of experience in software development, having worked at Accenture and Capgemini, building core solutions for Brazilian Banks (Bradesco and Santander) and also a team leader at Cielo (Acquirer company in Brazil).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernandorsantos/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/edc3cafbde8ff236745213fefdaeb0b03174beee.jpg" } ], "jobs": [ { "id": 47899, "title": "Backend Developer", "url": "https://www.ycombinator.com/companies/conta-simples/jobs/PahN5lG-backend-developer", "location": "São Paulo, SP, Brazil / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$2.5K - $3K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js" ] } ], "news": [ { "title": "Conta Simples grabs another $41.5M for its expense management approach in Brazil | TechCrunch", "url": "https://techcrunch.com/2024/01/09/conta-simples-41-5m-expense-management-brazil/", "date": "Jan 09, 2024" }, { "title": "Startup Conta Simples raises R$121.4 million in new Series A", "url": "https://labsnews.com/pt-br/artigos/negocios/deu-match-fundador-do-tinder-lidera-aporte-na-conta-simples/", "date": "Dec 16, 2021" } ], "launches": [] }, { "id": 21829, "name": "Novel", "slug": "jumpstart", "former_names": [ "Jumpstart Filings Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c851bd7c26fafce073db6865bf85bf27c6de76f7.png", "website": "https://www.trynovel.com/", "all_locations": "Minneapolis, MN, USA; New York, NY, USA; Austin, TX, USA; Remote", "long_description": "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. \r\n", "one_liner": "Novel is your international business bank account", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1599510791, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/jumpstart", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/jumpstart.json", "year_founded": 2021, "city": "Minneapolis", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trynovel", "x_url": "https://twitter.com/trynovelbank", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c851bd7c26fafce073db6865bf85bf27c6de76f7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 491805, "full_name": "Aldrin Clement", "title": "Founder", "founder_bio": "Founder at Jumpstart (YC S20) | ex-Deloitte Consulting | named after buzz aldrin", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/aldrin-clement/", "x_url": "https://twitter.com/buzz_aldi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d82dd8b3915b76180e5e87a9fa4cccd298a88bf1.jpg" }, { "user_id": 480444, "full_name": "Paul Clement", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e25e659b3ae24005024866c3f950a10bd250e006.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 66505, "title": "Novel, Your International Business Bank Account ​​🌍 🌎", "tagline": "The First Business Bank Account Made For International Founders 🏦 💳 💸", "body": "Hey everyone!\n\nWe’re Aldrin and Paul, from [Novel](https://www.trynovel.com/)!\n\nNovel is an international business bank account for global businesses. We provide international founders with a U.S. business bank account, 30+ multi-currency accounts, global payouts in 140+ currencies, and smart debit cards.\n\n![](https://lh5.googleusercontent.com/ykzg-cdBJIwZ9TXgYARSV16B7poMw7Yd6L4qpQ9luVq1sO8CDaOqUiiT1vTaVq4iscwmdpp5YzGYso1zgE0uuB20sWWSRVAZ6xnoKVVLD5ZGnP0YxxgmkVIYcT7F05CFzz0-Ry1cejUevLIGzWvXvqhL-RCpkS7ChI6KM_mOdED30p4RBCneKDLu5A)\n\n**The Problem ‼️**\n\n**International businesses can’t access the U.S. financial services they need to grow.**\n\nThere has been an explosion of global founders choosing to form U.S. entities to make it easier to raise venture funding, use Stripe & PayPal, and sell to U.S. customers. \n\nUnfortunately, since non-U.S. residents don’t have an SSN, traditional financial institutions make it challenging for most global founders to open a real, high quality, FDIC-insured bank account. \n\nEven when it comes to emerging fintechs, international founders in particular have their own unique pain points: funding their business account from a local currency and bank, processing payouts in other currencies, and conducting business without getting their accounts frozen (many international founders using money transfer tools instead of bank accounts have had their accounts or funds frozen for months. Banks often do this as well). \n\nWe had one early customer from Argentina come to us after their Wells Fargo account (with over $1M USD deposited) was shut down overnight with no notice!\n\n**The Solution 👊🏿**\n\nA bank tailored to international founders.\n\nIn as little as _30 minutes_ after filling out our 10 minute application online, we can open an account for a founder without an SSN. \n\nWhile many other banks are willing to look at applications from international founders, they still reject upwards of 30%+ of applicants 😥. Novel’s greater understanding of these customers allows us to better accommodate these founders. Our custom KYC process allows us to quickly identify the customer and their risk profile, and issue them an account. \n\nWith Novel, founders all over the world can:\n\n1. Quickly open a business checking account and fund via 30+ currencies\n2. Receive physical and virtual debit cards\n3. Conduct payouts in 140+ currencies (more than any existing bank)\n4. Easily do domestic and global transfers at the lowest rates (0.35% above interbank - 2x cheaper than TransferWise)\n5. Use their account to access services like Paypal, Stripe, and invoicing\n\n \n\n**Think Novel could be a good fit for you or a friend? 💙**\n\nWe would love for you to try us out. Email us at [sales@trynovel.com](mailto:sales@trynovel.com) and we will provide you a free year of our Plus plan! 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Yael is CFO of Mozper, a Fintech targeting the pre-banked youth population. She is also the Treasurer of Mujeres Brillando, a NFP helping women entrepreneurs develop their businesses. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yaelisraeli1/", "x_url": "https://twitter.com/Yaelfintech", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e99ff57cef176978245eea537e738f444f4c6dce.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22106, "name": "Letter", "slug": "letter", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43e97eb53ccce1c702d9238294f6ec1015dc70c8.png", "website": "https://letter.co", "all_locations": "San Diego, CA, USA; Remote", "long_description": "Letter is a beautifully designed banking and financial platform made exclusively for high net-worth individuals. We make it easy to give customized debit cards to family members and staff, automatically donate to charity, and get access to exclusive investment and lending opportunities through our marketplace.", "one_liner": "Beautifully designed banking for high net-worth individuals.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1599193121, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/letter", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/letter.json", "year_founded": 2019, "city": "San Diego", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/43e97eb53ccce1c702d9238294f6ec1015dc70c8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 55596, "full_name": "Drew Wilson", "title": "Founder", "founder_bio": "I like making cool stuff with fun people. 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Lover for new technologies, excels at building very strong partner/customer relations. \n\n", "is_active": true, "linkedin_url": "http://linkedin.com/in/alejandrozecler", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d85fa191a86e857b4965723e56006e5e9fa0c8d.jpg" } ], "jobs": [], "news": [ { "title": "YC alum Mendel, a ‘Ramp for LatAm enterprises,’ raises $35M Series B | TechCrunch", "url": "https://techcrunch.com/2025/03/27/yc-alum-mendel-a-ramp-for-latam-enterprises-raises-35m-series-b/", "date": "Mar 27, 2025" }, { "title": "Mexico’s Mendel secures $35M to tackle LatAm’s corporate spend management problem – TechCrunch", "url": "https://techcrunch.com/2021/12/02/mexicos-mendel-secures-35m-to-tackle-corporate-spend-management-in-latam/", "date": "Dec 02, 2021" } ], "launches": [] }, { "id": 23265, "name": "Mono", "slug": "mono", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b97c4db893c7132d2d6deeb08700784456ba75dc.png", "website": "https://mono.co", "all_locations": "Lagos, LA, Nigeria", "long_description": "We allow companies to access data from their customers bank accounts and allow them to debit money from these same bank accounts. 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Users can also buy airtime, data, and more — all securely, without leaving WhatsApp.\n\n**Problem**\n\nOWO solves a key problem: millions of Nigerians use WhatsApp daily, but can’t easily send money or pay bills from it. Traditional methods like USSD and banking apps are slow, unreliable, or hard to use.\n\n**Solution**\n\nWith OWO, users can now send money, buy airtime, and more — directly inside WhatsApp, using simple text or voice. No new app, no stress. It’s fast, secure, and built on Mono’s licensed infrastructure.\n\nFor the first time, 100M+ Nigerian bank account holders can move money as easily as sending a message — and soon, across Africa.\n\nhttps://youtu.be/f0UC5JDBRAU\n\n**Ask**\n\nWe just crossed ₦1 billion ($700k) in processed transactions on OWO! 🚀\n\nWe’d really appreciate your support in sharing this milestone on social media and following us:\n\n📢 [Share on X](https://x.com/joinowo/status/1937208310056296636)\n\n🐦 X: [@joinowo](https://x.com/@joinowo)\n\n📸 Instagram: [@joinowo](https://instagram.com/joinowo)\n\nThanks for being part of the journey!", "url": "https://www.ycombinator.com/launches/Np4-owo-send-money-from-whatsapp-instantly", "votes": 14, "created_at": "2025-06-24T14:23:49.869Z" } ] }, { "id": 23398, "name": "Prospa", "slug": "prospa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/79cf1d552a252f2f4a4763f55b112abca89f4cb6.png", "website": "https://getprospa.com", "all_locations": "London, England, United Kingdom", "long_description": "", "one_liner": "Banking for businesses ", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1645197476, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/prospa", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/prospa.json", "year_founded": 2019, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/prospabank/", "x_url": "https://twitter.com/getprospa", "fb_url": "https://web.facebook.com/getprospa", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/79cf1d552a252f2f4a4763f55b112abca89f4cb6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 74220, "full_name": "Frederik Obasi", "title": "Founder", "founder_bio": "Co-Founder / CEO @ Prospa (W21)", "is_active": true, "linkedin_url": "http://ng.linkedin.com/in/frederikobasi", "x_url": "https://twitter.com/welldonefred", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bfcb1418eca707428481bcc67dc795f353d425d5.jpg" } ], "jobs": [ { "id": 47116, "title": "Product Manager", "url": "https://www.ycombinator.com/companies/prospa/jobs/pqqKMqw-product-manager", "location": "Remote", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 62608, "title": "Product Copywriter", "url": "https://www.ycombinator.com/companies/prospa/jobs/ci65gqz-product-copywriter", "location": "Remote", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$200 - $400", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 66537, "title": "Marketing Manager", "url": "https://www.ycombinator.com/companies/prospa/jobs/XritFOy-marketing-manager", "location": "Lagos, LA, NG / Remote (Lagos, LA, NG)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 68651, "title": "Marketing Intern", "url": "https://www.ycombinator.com/companies/prospa/jobs/jq8eQot-marketing-intern", "location": "Lagos, LA, NG / Remote (NG)", "type": "Contract", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [] }, { "id": 23434, "name": "Broad", "slug": "broad", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db2474262802865fe1aa9cf299865700280ea6e.png", "website": "http://www.broad.app", "all_locations": "London, England, United Kingdom; 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They use us to send invoices, collect payments, do payroll, and pay their bills.\r\n\r\nNextPay 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. 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We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. 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Levro provides US accounts that hold up to 34 currencies to help companies pay teams, vendors, and receive revenue from customers internationally.\n\nPrior to Levro, Cathy co-founded 42 Technologies (YC W14), a big data company with retail customers around the globe. Cathy holds a Finance degree from the University of British Columbia & MBA from Harvard Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cathyhan/", "x_url": "https://twitter.com/cathyxhan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce94c45f2ad3be10953efcc9eaa603b08dd0d0ca.jpg" }, { "user_id": 466, "full_name": "Abeer Agrawal", "title": "Founder", "founder_bio": "Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. Abeer holds degrees in Electrical & Computer Engineering and Computational Finance from Carnegie Mellon University. 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It replaces the manual \"human glue\" between a fund's systems with audit-logged AI agents — covenant monitoring, capital calls, diligence, recon, and reporting — running on the data funds already have, via MCP, with no migration. Dogfooded at Eight Capital, where FundOS runs a 270+ company YC portfolio off a single spine of data, auto-generating NAVs and K-1s. Clients include Semper Capital (London) and a New York asset manager. SOC 2, role-based access, LP-scoped data, and a full audit trail. Built by a team that ran a credit fund for 15 years.", "one_liner": "FundOS — AI operations for fund managers", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1641821942, "tags": [ "Fintech", "SaaS", "Workflow Automation", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vantedgeai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/vantedgeai.json", "year_founded": 2021, "city": "Norwalk", "country": "US", "linkedin_url": "https://www.linkedin.com/company/vantedgeai", "x_url": "https://x.com/vantedgeAI", "fb_url": "https://www.facebook.com/vantedgeAI", "cb_url": "https://www.crunchbase.com/organization/8vdx", "github_url": "https://github.com/8vdx1", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/12fd444a2c7a34b121c256f9259458e601b0351a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 754637, "full_name": "Ravi Chachra", "title": "Founder", "founder_bio": "Ravi cofounded VantedgeAI (W22), and has invested in over 270+ YC companies through a demo day fund, Eight Capital. In 1999, he co-founded SNAZ, a venture backed mobile wallet and universal shopping cart. After the Dot.com bust, he set up a distressed fund to acquire busted convertibles bonds of tech cos that could thrive in the future. In 2019, he set up a pvt. credit fund which was sold in 2021 to his JV partner, J.C. Flowers & Co. Ravi holds a Degree in Computer Science and a Wharton MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rchachra/", "x_url": "https://twitter.com/rchachra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5924ae5024e7221014146da3f8c32d3541967da8.jpg" }, { "user_id": 763615, "full_name": "Vijay Lavhale", "title": "Founder", "founder_bio": "Building VantedgeAI\nInvesting at Eight Capital", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vijay-lavhale-86b06938/", "x_url": "https://www.twitter.com/vijay_lavhale1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a1a246f671e71e4764cba5f0f6a9c27830cb2fc.jpg" } ], "jobs": [], "news": [ { "title": "Venture Debt Fund 8vdX's New Move To Aid Startups In Early Stages", "url": "https://www.vccircle.com/venturedebt-fund-8vdx-s-new-move-to-aid-startups-in-early-stageshttps://www.vccircle.com/venturedebt-fund-8vdx-s-new-move-to-aid-startups-in-early-stages", "date": "Jan 04, 2023" }, { "title": "8vdX Secures Investment To Back Early And Growth Stage Startups", "url": "https://inc42.com/buzz/venture-debt-player-8vdx-secures-investment-to-back-early-and-growth-stage-startups/", "date": "May 27, 2022" }, { "title": "How venture debt marketplace 8vdX provides funds on founder-friendly terms", "url": "https://yourstory.com/2022/04/venture-debt-marketplace-8vdx-startups-ravi-chachra/amp", "date": "Apr 12, 2022" } ], "launches": [ { "id": 89343, "title": "🚀 Vantedge AI — The Agent marketplace to scale your investing workflows", "tagline": "AI agent marketplace with a secure data layer infrastructure and compliance framework", "body": "Hi everyone! We’re building **an agent marketplace** with a secure data layer infrastructure and compliance framework **for institutional investors and fintech AI startups**.\n\n### **🧠 The Problem**\n\nInstitutional Investors know they need to adopt AI — but where does one start?\n\n* AI is new, noisy, and fragmented.\n* Consultants lack the required knowledge and are expensive.\n* Broadly available mainstream AI tools aren't built with investor workflows, compliance, or security in mind.\n\nMeanwhile, fintech AI startups are building targeted specialised agents — but distribution to investment funds is a huge challenge.\n\n### **💡 Our Solution**\n\n**Vantedge AI** is the first Agent marketplace with distribution to a rapidly expanding client base of 10+ blue-chip institutional investors managing **$100B+ in AUM**.\n\n* **For investors:** A secure, plug-and-play platform with curated AI agents to streamline research, diligence, and analysis.\n* **For AI startups:** A distribution and infrastructure layer that gets your agents in front of institutional clients, with SOC 2-level compliance, usage tracking, and real-world data access.\n\nWe’re now opening up access to our Agent Marketplace for startups building fintech AI tools.\n\n### **⚙️ How It Works**\n\n* Investors can upload any document or search for filings and instantly run a vetted AI agent — like an SEC filings parser or investment memo generator.\n* AI startups can integrate their agents through our SDK and securely run them inside investor workflows — no sales motion required.\n* All data is stored in a secure Data Vault with workspace-level access, so funds can collaborate and startups can serve verticalized use cases.\n\n🎥 [Here’s a 90-second demo of how it works](https://youtu.be/piElxwuZXbM):\n\n---\n\n### **🎯 Who It’s For**\n\n* **Investors and funds**: Looking to adopt AI but want a secure, curated, and compliant solution.\n* **AI startups**: Building tools for the investment ecosystem and looking for distribution, infrastructure, and real customers.\n\n---\n\n### **📣 Call to Action**\n\n* 🎯 **Funds**: Want to try the platform? **Please reach out to us at** [**founders@vantedgeai.com**](mailto:founders@vantedgeai.com)\n* 🤖 **AI startups**: Want distribution to $100B+ in AUM? [**Join the Agent Marketplace waitlist**](https://forms.gle/cHen2Hh74n3B1Npr8)\n\n### **🙌 Thanks YC**\n\nWe wouldn’t be here without the YC community, and we’d love your feedback, intros, or support. If you’re building in AI, fintech, or investing, we’d love to connect.", "url": "https://www.ycombinator.com/launches/NF1-vantedge-ai-the-agent-marketplace-to-scale-your-investing-workflows", "votes": 12, "created_at": "2025-04-08T19:51:06.367Z" }, { "id": 80487, "title": "Yardstick - Data-driven startup valuation and KPI benchmarking tool", "tagline": "Benchmark and value startups with ease", "body": "Hello, YC community! We're Ravi and Vijay, data enthusiasts and startup founders who've faced the significant challenge of quantifying startup success. Through our experiences in building and growing companies, we've recognized a glaring need in the market for transparent, accessible benchmarking and valuation metrics—tools that rely on data rather than just intuition or incomplete data. Here is a [quick demo](https://app.storylane.io/share/916eqxtsotpo). \n\n![uploaded image](/media/?type=post&id=80487&key=user_uploads/763615/96e63adc-0b0b-46db-a6cc-0ddca5afeb65)\n\n**What Yardstick Offers:**\n\nYardstick delivers comprehensive tools for accurately benchmarking startup performance and estimating valuations. _Our platform utilizes an extensive dataset of startup performance metrics, providing growth rate percentiles to precisely position startups against a broad database. Moreover, Yardstick computes valuation estimates_ through sophisticated models that analyze KPIs in relation to valuation data and qualitative insights from hundreds of startups.\n\n**The Problem and Our Journey:**\n\nNavigating the vibrant startup ecosystem, we found that evaluating these ventures has traditionally been more art than science_. Our experience in assessing hundreds of early-stage startups for equity and debt investments revealed the difficulty of understanding their market standing without resorting to costly market research or external consultants_. This challenge inspired the creation of Yardstick.\n\n**Our Solution:**\n\nYardstick seamlessly integrates into the workflows of fintechs, investors, and entrepreneurs wanting to underwrite a startup’s performance. Our solution offers not just KPI benchmarking but also insights into current valuations. _With both an API and a user-friendly web application_, Yardstick serves both technical and non-technical users, ensuring comprehensive accessibility.\n\n**Give it a try:**\n\nWe are thrilled to introduce Yardstick and are eager for your feedback. Whether you are a fintech looking to perform KPI benchmarking on potential clients, an investor in need of data-driven tools, or a startup founder trying to understand where your startup stacks up against peers or what should be the latest valuation based on current traction, [we invite you to try out Yardstick](https://ventureinsights.ai/yardstick/) (without a need to sign up!) and share your insights. For those interested in integrating our tools directly, check out our [API documentation](https://documenter.getpostman.com/view/32615745/2sA35G3MMX).\n\nWe look forward to your feedback!\n\nThank you,\n\nRavi and Vijay", "url": "https://www.ycombinator.com/launches/KwB-yardstick-data-driven-startup-valuation-and-kpi-benchmarking-tool", "votes": 7, "created_at": "2024-04-29T16:44:40.352Z" }, { "id": 79828, "title": "Ventureinsights.ai - Stay on top of your angel portfolio with Smart Updates", "tagline": "Effortlessly oversee your investments, with all the critical information you need at your fingertips", "body": "As an angel investor, if you have more than a handful of startups in your portfolio - staying on top of how each company has been performing through their investment updates is hard as it is difficult to remember their KPIs and goals from their past investment updates. At [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3p1W5CnVzJ74HHFqW2cDQZK3w0lS2N2DPgRM2mnSXW7jhCrx1-80tGW6KWBsH3yQ423W3dCVRC4zzGg0W7SFwY58DSQxwW1wh6wZ1yNz2yW2vwcTV6R2x7WW8wFCM24RdyFBW3pbYyX8JcB6mW9dC9Yy98f9RLW8GM13H59q25kN5JDmyQ5NJfHW7bflGj4W15DbW39dwrq2sZ44lW5MSk1L4Ytt7YN29Pt1s17ZP8W39H9Nq1CPqbrW3DBFhf1SJ7qyW4mfrMn7_yq8fW4rPFC65-11JFW2VLKHY4BjmnYW7grPCC5NJqgZW3nxBSB4yr6LxMdG2b7tjzyDf5J9l9b04), we understand the value of your time and investments. That's why we've developed a tool that makes it super easy to monitor and manage your angel investments - introducing the [Smart Updates](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3p0W8fMLXx20nsnJW1Fvfzk6LTlP8W7_dsKt4MkxzyW7T-3sj5km1B2W8lqhdj1vMTQrW6sggCG8Jq_dqN2NQgS0YVlbcW5xtKvn5wf6VvVvQ49m70_-3zVgNJNn8k216sW2_mcJy5Hl3wLW1TfLDV4Q-LdNW6j82r87k1rF4W6q-ZFr2YTTCqW3GHkcR7hz18dN7-ndQnKdzldW4qwwSL8MqJHbW3nV7Fy6Y_TGpN3B7ZKfrf5MmW1Ww_9j5Mkt4vVL6n3X3FwV22W5L00xN6LMzKFW8KLgCj5GB_fDV3P8q38yQBpxW583JwQ83tvL8W6L7LzC8dLjx4f4qcN9T04) tool.\n\nYou can check out a quick demo here: \n\n[Smart Updates](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3nvW2KsthG7X96xrN50pTLK_FNYWN7015NBP-H4NW2FHRff7hYp1rW3VxbFM4fFNvrN7TZNPL81Rx1W6g377d734DhZW5ypF8m8W5nZpW804f8l5DhMsDW4XB9ss2dfGn-W1BkkVW551P7yW1fFJD868ChbQN7sgyWVP3wjQW3LCD753v0hbRW71Nzv42zVC0bVjpXy21wGF9zW19W_D443lVc-W12vQXT8kPHLHW1Kck915rMMt8W4LMN0J4K92bwW5qvD716NvgvwW8cBhhG81-GHDW2GMCy15YydKNW2BPzxL6mQrXwW5DvtKh6Gw1ssW7fSQNv5nF78FdTBS7P04) is designed to streamline your investment oversight process. It collates, summarizes, and visualizes the key performance indicators (KPIs) of your portfolio companies through engaging graphs and concise summaries. Our tool also smartly tags and organizes periodic updates from founders, allowing for a seamless review process.\n\n![](https://lh7-us.googleusercontent.com/HW6OYmd-pGO2k9jwRLHrY6Z-zCB79mLvmx-8DMW4240EyJR-mvVMQCRFg3etNY5M_K7k1nUfGt3Mz9VQaUR1RaJ8RsPyYqrPAE29lM0DudvTL7enJ4Y4RSIYZS2Tnel5DmBJx42arzcePasBykiBY-o)\n\nImagine having the ability to effortlessly oversee your investments, with all the critical information you need at your fingertips. [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3ngW3ryJGW988LTtVCB1qF3P6-vKV36xRM2qB12PW8cD7cx7NSV9-W5xfpFw676htDW7V4P7D1qWRpSW7Zv5Rb1nlw6TW4cnG0F3P4XD2W6T2KzH3yzsB0W6qM6Gj8VF64tN55l1Xf_hxnGW2YXl3T1Vt3rgW7W86w07jC8DvW7GRV6N4qWD6DW6nzz735lLkhXW2jCN6Z63jGhrW68NjHW81PX0xW6jkWXD2X_LYGW5RZHt835pHw1N78K1WkRJFMcW1t90vJ545dxkW5x3mW95jRDPCW5gy2LH6qbJKHW16_zgx13L1c-W43SF4V62lwBgW8FL4Pt3HpS31f6Z0gDF04) makes this possible, through a dashboard with the insights you need to make informed decisions and maximize the potential of your portfolio.\n\nWe believe that effective monitoring leads to better support for your investments and, ultimately, to higher returns. Let VentureInsights take the complexity out of managing your angel investments, so you can focus on what you do best - identifying and investing in the next unicorn! \n\nLearn more and sign up by visiting [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3nHW1sBdsm3Nnz8wW9llzzq4q5vt3N3mz7FK7GZxJW22YdHZ6NL9dLW1Q2VPz4_hWr7VFBrpq8bcvRSN846zRq1lLBFN1dwH99HldbCN2W3fM0jzHRhW3zQ73V93GGl8N52DSZBB67vnW3m6MSS6LN4DXW5LmmR18wC_SQW4VkpTP3Bdc2LW1419rf3Yzkp8W2R3VGW10-MwfN1x34MPHjqgQW9hHggj96cYLQW43PKsz8H3q0hW71rLtY2xG6H2N3kYKzmf7-MQVKvxSz26_tGvW1SZp0X3wWy8nW4WMzfB5BNhStW4JSl5t7YnKsfW2DF5Z52Z8wPlf1xW0tv04) today. \n\n Best,\n\n8vdx Team", "url": "https://www.ycombinator.com/launches/KlY-ventureinsights-ai-stay-on-top-of-your-angel-portfolio-with-smart-updates", "votes": 10, "created_at": "2024-03-30T21:34:33.124Z" }, { "id": 76266, "title": "🚀 VentureInsights: Intelligent data-driven decision-making for investors", "tagline": "VentureInsights harnesses AI to empower VCs and angels with actionable intelligence and data-driven decision-making.", "body": "Hey everyone! 👋\n\nWe're thrilled to unveil [**VentureInsights**](https://www.8vdx.com/ventureinsights/), our latest venture in revolutionizing early-stage investing. Having backed over 90 YC startups, we've crafted a solution to the persistent challenges of investment discovery, analysis, and monitoring.\n\n[ ](https://www.youtube.com/watch?v=IDo_EN21P4E)\n\n### **The Problem**\n\nEarly-stage investing is fraught with scattered data, cumbersome discovery, and a lack of effective tools for analyzing startups with minimal track records. Post-investment, investors grapple with the pain of tracking scattered investment updates, often losing out on pivotal insights.\n\n### **The Solution**\n\nEnter VentureInsights, your AI-driven hub for early-stage investing. Here's how we're changing the game:\n\n1. **Easy Discovery**: Connect with actively fundraising startups, reducing the grunt work of finding investment-worthy ventures.\n2. **In-Depth Analysis**: Convert inbound founder communications into detailed investment profiles with our AI Analyst tool, giving you the essentials to make informed decisions swiftly.\n3. **Smart Monitoring**: Our Smart Updates feature parses regular updates from your portfolio companies, offering a continuously refreshed performance snapshot and industry benchmarking via the 'Yardstick' score.\n\nAlready, many YC founders have expressed interest in VentureInsights. Experience VentureInsights firsthand with the [**click-through**](https://app.storylane.io/share/sfhx5tbvsqmv) demo or just book a personal demo with our team through this [**calendar link**](https://meetings.hubspot.com/vijay-lavhale/vi-demos).\n\nTo celebrate our launch, we're providing $200 in joining credits that can be applied towards subscription fees ($19.99/month), and AI reports ($9.99/report). No credit card is needed to start your trial.\n\nJoin the venture revolution with us, and let's navigate the investment journey together.\n\nCheers,\n\nRavi and Vijay (Founders@8vdx.com)", "url": "https://www.ycombinator.com/launches/Jq6-ventureinsights-intelligent-data-driven-decision-making-for-investors", "votes": 12, "created_at": "2023-11-15T23:47:27.197Z" }, { "id": 68625, "title": "8vdX - Extend your seed extension with a ‘seedex booster’ of up to $1M", "tagline": "Venture debt marketplace with a fundraising stack for early stage startups", "body": "**We are excited to announce the launch of 8vdX Seedex Booster, a new addition to our expanding product portfolio at 8vdX. This product offers early stage startups the opportunity to access seed extension debt of up to $1 million.**\n\nUntil recently, we were focused on providing bridge to Demo Day loans to current YC batches. However, the current market environment has given us the opportunity to expand our product offering.  The 8vdX Seedex Booster aims to solve some of the fundraising challenges currently being faced by founders including;\n\n* Not enough funding runway to meet the performance benchmark expectations of series A investors\n* Decreased valuations that require founders to achieve significantly higher targets in order to avoid a down round \n* Raising seed extension rounds can be challenging in the current environment\n\n8vdX's Seedex Booster program augments a startup’s seed extension raise with up to $1 million of additional funding with founder friendly venture debt.\n\n**How it works is pretty simple:**\n\n**8vdX is offering to contribute up to 25% of a startup's seed extension round**, with the remaining 75% sourced from insiders or others. Our ticket size is between $250k-$1 Mn, capped at 25% of your seed-ex round. Here is an example of how it would work:\n\n* Let’s say you are a startup which has just launched a **$1 Mn seed-ex round** and applied for the 8vdX seedex booster. After evaluating your startup, 8vdX gives a commitment of $250k representing 25% of the total seed-ex round. \n* **We will disburse the $250k** along with the $750k equity investment from other investors. _If you raise $750k in multiple tranches, we can make pro-rata disbursements_.\n* Maturity of up to 18 months or Series A closing, whichever is earlier\n\n_Assuming, the following terms have been negotiated and agreed upon by both parties:_\n\n* Interest cost: \n * cash interest of 1% per month ($2.5k) that you pay each month and\n * bonus SAFE of 5% i.e. ($125k) with the same valuation cap as the seed extension investors. \n\n_8vdX allows for flexibility in selecting a combination of cash interest and bonus SAFE._\n\n* Repayment schedule: The seedex booster will be repaid with the Series A funding. However, founders have the option to create an amortization schedule to prepay the loan or extend it upon maturity.\n\nOverall terms are founder-friendly terms as there is **no prepayment penalty, no collateral, no personal guarantees & no enforcement action.**\n\n**Please apply at** [**8vdx.com**](http://8vdx.com) **or email us at** [**zeronote@8vdx.com**](mailto:zeronote@8vdx.com)\n\n**Our aim is to help you achieve your maximum potential and successfully raise Series A funds.** How do we know this approach works? We have firsthand experience using it to drive growth and secure successful fundraises for startups. In fact, our own business model was developed through observing startups leverage our capital to accelerate their growth and secure successful fundraises.\n\nWe are thrilled to have already partnered with over 20 YC startups and look forward to supporting you as well. Join us in driving this innovative approach to fundraising!\n\n**Interested startups, please visit our digital** [**platform**](https://8vdx.com/) **to learn more and apply.** The entire process is simple, transparent, fast, and completely digitized. If you have any questions, please feel free to email us and we will be more than happy to set up a call.\n\nThanks,\n\nTeam 8vdX", "url": "https://www.ycombinator.com/launches/Hqr-8vdx-extend-your-seed-extension-with-a-seedex-booster-of-up-to-1m", "votes": 15, "created_at": "2023-01-23T16:24:03.035Z" }, { "id": 66668, "title": "Fundraising CRM for early stage startups from 8vdX", "tagline": "Enabling startups to fuel their growth through our fundraising stack and alternative sources of capital", "body": "Hi guys! **We are so excited to share our new fundraising CRM!** This is a product that is something we desperately needed, so we built it to help not only us, but the larger startup community. 🥰\n\n**The Problem:** \n\nAs we all know, fundraising can be overwhelming **😩** and hard to keep track of:\n\n* Leads can be hard to organize and schedule. \n* Following up with everyone who contacts us can be difficult!\n* Research on the caliber and reputation of VCs can be hard to gauge. Do they have a history of investing in companies like us? What are their normal check sizes? 🧐 Who is in their existing portfolio?\n\n![My Dumpster Fire Is Filled To The Brim Sarah Wayne Callies GIF - My Dumpster Fire Is Filled To The Brim Sarah Wayne Callies Robin Perry GIFs](https://media.tenor.com/lMrxlxggxXMAAAAC/my-dumpster-fire-is-filled-to-the-brim-sarah-wayne-callies.gif)\n\nWe could go on, but you get it– we’ve lived it, after all. \n\n**The Solution 😃:**\n\nOur new fundraising CRM makes organizing your raise easy by:\n\n* Keeping track of your leads, including follow ups and replies. \n* Making it easy to upload your leads and track them from initial contact to close in a single place\n * This is particularly useful for anyone who is still fundraising from the S22 batch!\n* Targeting investors with high conversion rates and larger check sizes 🤑\n* Providing a clear snapshot of where you are in your goals with our dashboard. 🥳\n\n![uploaded image](/media/?type=post&id=66668&key=user_uploads/763615/2e7f70ea-bd3f-4ae2-b052-3b4331a3af10)\n\n**We just launched and would love any and all feedback on this!** Your time is valuable, so the **first 20 startups** able to get on a zoom call with us will get a **$100 gift card to Amazon.**\n\nMuch love,\n\nThe 8vdX fam❤️", "url": "https://www.ycombinator.com/launches/HLI-fundraising-crm-for-early-stage-startups-from-8vdx", "votes": 46, "created_at": "2022-10-12T17:04:14.257Z" } ] }, { "id": 25516, "name": "Emigre", "slug": "emigre", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1453dc70d000f1e48c26c218054c1803904e2541.png", "website": "http://www.emigre.us/", "all_locations": "San Francisco, CA, USA; Palo Alto, CA, USA", "long_description": "Emigre is the fastest and the only end-to-end digital Indian banking solution for Indian expats (Non-Resident Indians) so they can support their families back home, shop on Indian websites, and invest in Indian stocks and real estate.", "one_liner": "Banking in India for Indian expats (NRIs)", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1647011570, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/emigre", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/emigre.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/emigre-us/", "x_url": "https://twitter.com/emigre_us", "fb_url": "https://www.facebook.com/emigre.us", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1453dc70d000f1e48c26c218054c1803904e2541.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 515134, "full_name": "Nishant Aggarwal", "title": "Founder", "founder_bio": "Prior to co-founding Emigre, he's been a 2X founder having scaled his previous ventures to six-figure revenues. He has held key roles such as Head of Product and Growth at other startups. He has been a management consultant before advising C-Suite leadership at financial services companies such as American Express and Silicon Valley Bank.\n\nHe has a graduate degree in Engineering Management from Dartmouth College and an undergraduate degree in Engineering from Delhi College of Engineering, India.", "is_active": false, "linkedin_url": "https://linkedin.com/in/nishaggarwal", "x_url": "https://twitter.com/naggarwal1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/843e1a52e9a7556f8bb49accf4de28ba5ea40c24.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25717, "name": "Glep", "slug": "glep", "former_names": [ "Lenco" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "website": "https://glep.com", "all_locations": "San Francisco, CA, USA", "long_description": "Glep is America's AI-native financial operating system built for real estate businesses.\r\nOur AI-native platform combines virtual and physical cards, banking, bill pay, expense management, and accounting automation into a single operating system designed specifically for how real estate businesses operate.\r\n\r\nGlep puts more time in the hands of operators to grow their portfolio.", "one_liner": "AI-Native Spend platform built for Real Estate businesses", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1646228155, "tags": [ "Fintech", "Enterprise Software", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/glep", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/glep.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/GlepHQ", "x_url": "https://twitter.com/GlepHQ", "fb_url": "https://facebook.com/GlepFi", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 603467, "full_name": "Andrew Airelobhegbe", "title": "Founder", "founder_bio": "CEO & Co-founder of Glep - America's AI-native spend platform for real estate businesses.\nCEO & Co-founder of Lenco - pan-African digital bank for businesses", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-airelobhegbe/", "x_url": "https://twitter.com/andrewairelob", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/374493bfe81624cd9421cd1cfa73d6f97360dc5c.jpg" }, { "user_id": 604663, "full_name": "Impact Airelobhegbe", "title": "Founder", "founder_bio": "Co-founder and COO at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/impact-airelobhegbe-49187955", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b974e317a7f8e87b18a21553a1dd2b7b3d4e735.jpg" }, { "user_id": 604306, "full_name": "Godstime Asine", "title": "Founder", "founder_bio": "Co-founder and Lead,Engineering at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/godstime-asine-b089267b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6178756ec1eaa14f9f2216832c8e814a345c2516.jpg" }, { "user_id": 248953, "full_name": "Praise Osagie", "title": "Founder", "founder_bio": "Chief Technology Officer at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/praise-osagie-1b607811a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20856b0210c5f9b4051ffa20950a7fe78f1ed08c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26476, "name": "Pana", "slug": "pana", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6114091caebbe06921f5d25e1d025dc32970cf6.png", "website": "http://Holapana.com", "all_locations": "Miami, FL, USA; Remote", "long_description": "The first secure, end-to-end global USD account, seamlessly integrating fiat and stablecoins across 125 countries for direct-to-bank settlement—no liquidity providers, no SWIFT, no intermediaries.\r\n\r\nBoth sender and receiver use the Pana app and wallet for a frictionless, real-time cross-border payment experience.\r\n", "one_liner": "A Global Bank on Chain", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1657716060, "tags": [ "Fintech", "Consumer", "Social", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pana", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pana.json", "year_founded": 2022, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/panaapp/", "x_url": "https://twitter.com/joinpana", "fb_url": "https://www.facebook.com/panaapp", "cb_url": "https://www.crunchbase.com/organization/pana-cd34", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6114091caebbe06921f5d25e1d025dc32970cf6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 893404, "full_name": "Piero del Risco", "title": "Founder", "founder_bio": "2nd time Fintech founder & Fmr. Head of Digital Banking at Scotiabank for Caribbean and Central America. Throughout the pandemic hired and lead a 130+ team of engineers, designers, and product owners to rebuild a complete mobile and web banking platform for 2M customers in 11 countries. Previously held executive roles at insurance and investment firms", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/yanpieronunez", "x_url": "http://www.twitter.com/piero09", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/324d262bbaf97ef257e355987c82eb927028bbf5.jpg" }, { "user_id": 894342, "full_name": "Luis Peña", "title": "Founder", "founder_bio": "2nd time fintech founder, former TS Tech Lead @ Rover. +10yrs of experience building software and consumer products. Founded & managed a software factory with several dev. & infra. teams across different time-zones while creating products that impacted +1.5M users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lupena/", "x_url": "https://twitter.com/luismiguelpg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4a11df4aae5ef38c978ad9cec55e5b54f10887d7.jpg" } ], "jobs": [], "news": [ { "title": "Our 11 favorite companies from YC's S22 Demo Day: Part 1 • TechCrunch", "url": "https://techcrunch.com/2022/09/07/11-favorite-yc-demo-day-s22-startups/", "date": "Sep 07, 2022" } ], "launches": [ { "id": 64717, "title": "Pana: Challenger bank for fastest-growing population in the USA 💵📲", "tagline": "Made for the 62M Latinos who have a $1.7T buying power and are mostly underserved 🚀", "body": "### **TL;DR:**\n\nBanking app for 62M Latinos in the US by a team out of Scotiabank’s Digital Factory & 3 consumer-focused Unicorns\n\n### **Problem**\n\nLatinos are all looking for a banking product that speaks to our needs and worries\n\n### **Solution**\n\n**We’re building a new banking experience that starts by solving key pain-points:**\n\n* Opening a **US-Bank account online** (linked to a Visa Debit Card) with just a passport instead of having to visit a bank branch with a painful paperwork when lacking an SSN\n* A friendly banking app with **Group Chats** we can join to lend or borrow money from each other **globally** instead of relying on Alternative Financial Services or cash\n* **Sending remittances in minutes with zero fees** vs paying on ave. 6% ($18 for the ave. $300 monthly remittance)\n\n### **Team**\n\nWe’ve previously built Digital Banking products for millions of customers in LatAm and have personally lived through the struggles of migrating to the USA.\\\n\\\nNow, we’re on a mission to remove financial barriers for Latinos in the USA and we’re doing it with a social approach because we all know that not everyone might need a bank, but everyone needs a Pana _(Spanish for pal)._\n\n### **Our ask:**\n\n* [Try out Pana](https://www.joinpana.com/) & help us spread the word ([IG](https://instagram.com/pana.app?igshid=YmMyMTA2M2Y=)/[FB](https://www.facebook.com/panaapp)/[in](https://www.linkedin.com/company/panaapp/)/[Twitter](https://twitter.com/joinpana))\n* Let us know of any business you know whose employees or potential buyers lack a bank account. Our product solves one of their biggest headaches", "url": "https://www.ycombinator.com/launches/Gpp-pana-challenger-bank-for-fastest-growing-population-in-the-usa", "votes": 60, "created_at": "2022-07-19T00:20:25.505Z" } ] }, { "id": 26724, "name": "Coupl", "slug": "coupl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "website": "https://coupl.money/", "all_locations": "Bengaluru, KA, India", "long_description": "Coupl is a digital joint account for Indian households. We help couples and families easily manage their shared and household payments from one shared account.\r\n\r\nOver 20 million Indians marry each year, creating a $300 billion market opportunity in household expenses. Couples juggle multiple accounts, cards, and expense-tracking tools. Joint accounts involve lengthy paperwork, rejections, and minimum balance requirements, making them inconvenient for modern couples. Beyond married couples, this need extends to engaged partners, live-in couples, roommates, and families seeking simpler ways to manage shared expenses.\r\n\r\nCoupl offers a digital, zero-balance joint account with co-branded debit cards and in-app bill payments, set up in just 60 seconds. Couples can use the account for all shared expenses, with an analytics dashboard to help them stay on top of their finances.\r\n\r\nCoupl is powered by RuPay, NPCI and IDFC FIRST Bank.", "one_liner": "Banking designed for Indian couples.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1659760442, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coupl", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coupl.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/coupl/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coupl", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b3df2abe96a583e926cf36673879189f640c4331.png" ], "primary_partner": null, "founders": [ { "user_id": 917079, "full_name": "Kushagra Manglik", "title": "Founder/CEO", "founder_bio": "Kushagra is the Co-Founder and CEO of Coupl. He graduated with a Bachelor's degree in Electrical Engineering from IIT Kanpur in 2019. \n\nHe was a Research Software Engineer at IBM Research for close to 2 years in their AI for Supply Chain team, building multiple production level APIs for some of the top retail companies in the lifestyle space. During his stint with IBM Research, he published multiple papers at Tier 1 Data Science conferences and has 6 patents to his name.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kushagra-manglik-906399120/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/867c39c3f919aceba379f291f7b2d20db48afffd.jpg" } ], "jobs": [], "news": [ { "title": "Coupl", "url": "https://www.forbes.com/profile/coupl/", "date": "May 30, 2024" } ], "launches": [ { "id": 76340, "title": "Coupl: India's first neobank for couples ❤️", "tagline": "We help couples easily manage their shared payments from one account.", "body": "Hi everyone!\n\nWe are Srini & Kushagra, co-founders of [Coupl](https://coupl.money)!\n\nCoupl is the easiest & fastest way for any couple to set up a joint account. Using the Coupl: Shared Banking mobile app, couples can open a joint account in under 60 seconds, with no paperwork and start managing money together.\n\n![](https://lh7-us.googleusercontent.com/xrKAKPYu3yoz_fDRCi8096hIMjB5riObQekHQmUq_SP43nRFJFw60bsgUY8xQNOtz6RpJ_QvzG9meJWUSCABLWQygq00kkN3iKFKXzZshEQKOhgvozi4uGa9eUV6p72__hrrOK3pXZ3TgYnglZCiWnQ)\n\n### 😤 **Problem**:\n\n### **Couples have evolved. Yet, the conventional joint account hasn’t kept pace.**\n\nToday, couples start managing expenses together well before tying the knot. They proactively track, split and settle shared expenses. Newlyweds are even more intentional about the way they manage home bills & shared expenses. They end up using multiple tools to manage their shared finances, such as, Splitwise, WhatsApp groups, Google Sheets or Notion.\n\n**So – why don’t people just use traditional joint accounts?** \\\n**Because they’re cumbersome to open & expensive to maintain.**\n\n* They’re only accessible to **married couples**\n* It takes **days** to open the account\n* High chances you’d have to **physically** go the bank\n* Even if you’re married, you’d need **matching** addresses/last names on your IDs\n* They come with **high minimum balance** requirements\n* They come with **zero expense management** features\n* Extremely **outdated** user interface\n\n### \n\n### **💡 Solution:**\n\n### **We fixed the joint account!**\n\nUsing the Coupl: Shared Banking app, you can set up a **zero-balance joint account in under 60 seconds**, and start managing all your shared expenses from it! We offer **two linked RuPay cards** for payments, easy **in-app utility bill payments** and a host of **budgeting & expense categorisation features** that make sense when you’re playing ‘multi-player’ finance **💍**\n\n![](https://lh7-us.googleusercontent.com/Th5KLEre8BlwMIYmvKvbKvAcjE9FAiem4qGFf-MYiC5ZJKwI-f7YCegjKM33AzOGnxUidkKsay7gGXGES2XG-05dMgyI7LXgb04etFulYT6u9EOWmD4QmERmthvJOOq-XaxnNULQ-aH98kkGuMl0HRQ)\n\n🤺 **How we compare against traditional joint accounts:**\n\n![](https://lh7-us.googleusercontent.com/xX6TRPbrReV95MrvdTaYcLP7oDwOgPvJ4WgJP1S6RbtSBetaBrG4iMnDS6XGYDyuqVMvijUlKE3yyMH5HdsiAuwGRYIK_SYN9ZqQbuuRKxyIHE02j-VONUs3S3pp6IygSKGG5Ym7UoJ57Kck-xZ1TE4)\n\n### \n\n### **🚀 Early Traction**\n\nWith over **10M weddings taking place in India each year**, and a growing consumer preference for digital payment products in India - we think we’re the right solution for a large market.\\\nSince our low-key launch in September 2023, we’ve opened **8,000 joint accounts** and processed transactions worth over **$400K**. With no advertising spend.\n\n### **👨‍💻 Meet the Team**\n\nKushagra & I founded [Coupl](https://coupl.money) in 2022.\n\nWe’re alums of **IIT Kanpur** and **BITS Pilani**, and have extensive experience in business, finance & technology – having worked at blue-chip management consulting firms and large technology companies.\n\nWe are also engaged & in a live-in relationship with our respective partners, and have spent countless hours in tracking and managing shared expenses. We soon learnt that managing money was the most cited pain-point in long term relationships. Today, our goal with Coupl is to bring the best of technology and banking to modern couples in India – to make shared payments easier.\n\n### 💜 **Want to try out Coupl?**\n\nThe Coupl: Shared Banking app is available across the App Store and Google Play. [Link to Download](https://tinyurl.com/CouplLaunchYC).\n\n**Scan to Download**\n\n![uploaded image](/media/?type=post&id=76340&key=user_uploads/980959/88baff20-45d6-4ced-8773-0602d9ad30f1)\n\nWe’re always taking feedback on how we can make Coupl even better for you.\\\nReach out to us at [hello@coupl.money](mailto:hello@coupl.money)!\n\n### 👋 **Social Connect**\n\n* [Website](https://coupl.money)\n* [LinkedIn](https://www.linkedin.com/company/coupl)\n* [Instagram](https://www.instagram.com/paywithcoupl/)\n* [Srini’s LinkedIn](https://www.linkedin.com/in/srinivas-sarkar/)\n* [Kushagra’s LinkedIn](https://www.linkedin.com/in/kushagra-manglik-906399120/)", "url": "https://www.ycombinator.com/launches/JrI-coupl-india-s-first-neobank-for-couples", "votes": 14, "created_at": "2023-11-20T15:49:15.779Z" } ] }, { "id": 26727, "name": "Moneco", "slug": "moneco", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "website": "https://moneco.app/", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed. ", "one_liner": "Neobank for African migrants in Europe", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1657033408, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moneco", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/moneco.json", "year_founded": 2022, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/monecohq/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 932567, "full_name": "Shams Radjabaly", "title": "Founder", "founder_bio": "Born and raised in Madagascar, educated in France, lived in Singapore and the US, worked in Morocco, I thrive in an international setting.\nI have worked in the financial markets and in management consulting, and want to make the best use of my experiences to build an outstanding banking product for the African diaspora.\nApart from that, I am passionate about food (both cooking and eating it !)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shams-radjabaly/", "x_url": "https://twitter.com/shamsradja", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/82c4b28958d0131c95ee2fea5920c165221bbb3c.jpg" }, { "user_id": 1028544, "full_name": "Bilal Dahlab", "title": "Founder", "founder_bio": "My name is Bilal Dahlab, I have a multicultural background (Algeria, England, Italia) and grew up in a popular neighborhood in Geneva. \n\nI have a business profile with some knowledge in technology, gathered some experience in strategic consulting, finance, energy and blockchain. Today, my goal is to financially serve African communities in Europe, and then in Africa where we have bigger challenges!\n\nI spend most of my freetime with my friends, I like rap/hip-hop, football (soccer) and boxing. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bilal-dahlab-3a98a243/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d87776b24d74caed99c9a67e7d296b19190d3e30.jpg" }, { "user_id": 1030365, "full_name": "Kuassi Jimmy Kumako", "title": "Founder", "founder_bio": "I’m Jimmy, I was born in Benin, grew up in several countries across West Africa. I’ve worked with some great startups like Paystack, co-founded some (CoinAfrique…) and also with larger institutions such as IFC. \nMy main focus is to build products to solve some of the most challenging issues African communities are facing in and beyond Africa\n", "is_active": true, "linkedin_url": "http://linkedin.com/in/jkumako", "x_url": "https://twitter.com/KuassiKumako", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/68a3a074e3696c1e7d512296996d8c87216d6e55.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27946, "name": "Fluid Markets", "slug": "fluid-markets", "former_names": [ "Fluid Markets", "Pointwise" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b64061c291b764a8c38c8d8455f8d2aeeabbb5a.png", "website": "https://fluidinvesting.com", "all_locations": "New York City, NY, USA", "long_description": "Fluid Markets was the first company to attempt to build futures markets on public company KPIs with the legal structure now known as prediction markets.", "one_liner": "Invest in public companies KPIs", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1671463381, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fluid-markets", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/fluid-markets.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fluidmarkets/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b64061c291b764a8c38c8d8455f8d2aeeabbb5a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 838824, "full_name": "Ken Book", "title": "Founder", "founder_bio": "Building Pointwise: The app that tells you which credit card to get", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kennethbook/", "x_url": "https://x.com/itskenbook", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c36a8e0f2f85d8936b85bd91a8d96f38e94fd995.jpg" }, { "user_id": 859404, "full_name": "Benjamin Litvin", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benlitvin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/589f4bbbf93b3a669d0fcf5bf003264c536cf99d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 74640, "title": "Fluid Markets - Invest in Apple earnings, not Apple stock", "tagline": "Fluid creates futures contracts on public company earnings and revenue that eliminate market risk", "body": "Here at [**Fluid**](https://www.fluidinvesting.com/), we’re building futures contracts that enable **direct investments in the earnings and revenue of publicly traded companies, without taking any market risk**.\n\nFor example, **invest in Apple earnings**, **but not Apple stock. If Apple outperforms earnings expectations, you will make money.**\n\nToday, we're launching our beta in the form of a [paper trading competition](https://trading.fluidinvesting.com/)!\n\n**❌ The Problem: The Stock Goes Down, Even When Earnings Beat**\n\nInvestors model out revenue and earnings while determining the value of the underlying company. When quarterly statements are released, an investor's prediction about a component can be **correct**, but they can still **lose money** on the trade. Investors **cannot** accurately eliminate external risk through current hedging strategies.\n\n**✅ **[**Try it Out:**](https://trading.fluidinvesting.com/signup)** A Paper Trading Competition With Real Cash Prizes**\n\nOur trading competiton allows you to test our markets while we undergo regulatory approval.\n\nEach competition lasts 2 weeks, with cash prizes awarded to those who place within the top 10.\n\n**Home Page: Track Your Progress Against The Competition**\n\n![uploaded image](/media/?type=post&id=74640&key=user_uploads/858644/b988cf09-1c9c-42ae-ae68-dadca26ecda3)\n\n**Our Live Markets: Go Long or Short Earnings, Revenue, and More**\n\n![uploaded image](/media/?type=post&id=74640&key=user_uploads/858644/dade841b-c460-4516-b76f-66a00c34c31e)\n\n**Portfolio: Track Your Performance**\n\n![uploaded image](/media/?type=post&id=74640&key=user_uploads/858644/38891381-8f44-4bb9-9b74-51a449dc30f8)\n\n[**Start trading now!**](https://trading.fluidinvesting.com/signup)\n\n❓ **Ask:** If you are or know anyone who is a public equities investor, from hedge fund managers to asset managers to retail traders, please introduce them to Fluid!", "url": "https://www.ycombinator.com/launches/JPs-fluid-markets-invest-in-apple-earnings-not-apple-stock", "votes": 11, "created_at": "2023-09-05T20:26:33.901Z" }, { "id": 70425, "title": "Fluid Markets - Exchange to invest in company earnings", "tagline": "Fluid is a futures exchange enabling direct investments in the components that influence stock prices, without taking any market risk.", "body": "\nWe’re excited to share what we’re working on here at Fluid!\n\nWe're launching a futures exchange to enable **direct investments in the components that influence stock prices, without taking any market risk**. For example, **invest in earnings** of a public company, **but not the equity** itself.\n\n### **❌ Problem:**\n\nInvestors model out revenue, earnings, segments and other components that determine the value of the underlying company. When quarterly statements are released, an investor's prediction about a component can be **correct**, but they can still **lose money** on the trade. Investors cannot eliminate external risk through current hedging strategies.\n\n### **✅ Solution:**\n\nWe're building an exchange to offer **futures on fundamentals of public companies.** Our futures on **revenue, earnings, and segments,** among other fundamentals, guarantee that if an investor's thesis is **correct**, they will **make money.**\n\n![uploaded image](/media/?type=post&id=70425&key=user_uploads/859404/2062d737-7782-4f76-bb75-89fdf5b581f7)\n\n### **📚 Our Story:**\n\nKen, Ari, and Ben are experienced entrepreneurs who have worked in derivatives and securitization investment banking at Goldman Sachs and Barclays.\n\nWe encountered the problem of trying to trade fundamentals in our personal portfolios based on expectations of segment performance, and through speaking with equity investors, we've discovered it's a bigger problem than we could have imagined.\n\n### **❓Ask:**\n\nIf you are or know anyone who is a public equities investor, from hedge fund managers to asset managers, we would love to hear from you! You can reach out to us at [founders@fluidinvesting.com](mailto:founders@fluidinvesting.com)", "url": "https://www.ycombinator.com/launches/IJt-fluid-markets-exchange-to-invest-in-company-earnings", "votes": 36, "created_at": "2023-03-20T21:02:04.002Z" } ] }, { "id": 28116, "name": "Wallbit", "slug": "wallbit", "former_names": [ "Wallbit LLC", "Wallbit Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "website": "https://wallbit.io", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.", "one_liner": "Neobank for global remote workers", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1677044894, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wallbit", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/wallbit.json", "year_founded": 2022, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://linkedin.com/company/wallbit", "x_url": "https://twitter.com/wallbit_app", "fb_url": "https://instagram.com/wallbit.app", "cb_url": "https://www.crunchbase.com/organization/wallbit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1ea575d0ca342402c06822ed38a98cd026cd75c3.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1021346, "full_name": "Rodrigo Vidal", "title": "Founder", "founder_bio": "CEO @ Wallbit", "is_active": true, "linkedin_url": "https://linkedin.com/in/rodrigovidal05", "x_url": "https://twitter.com/rodrividal_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/647ac9c6fb6e9a98473e24c1bd0c54a1d10b13de.jpg" }, { "user_id": 1021392, "full_name": "Tomas Bruzza", "title": "Founder", "founder_bio": "Head of Product @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasbruzza/", "x_url": "https://twitter.com/tomasbruzza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0602cf95549e2e2310fec7b236877649a7d726c0.jpg" }, { "user_id": 1238147, "full_name": "Braian Fritz", "title": "Founder", "founder_bio": "Software Architect @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/braian-nicolas-fritz-887966144/", "x_url": "https://twitter.com/braian_fritz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95b5d6bf741d1208ba0e7e8da2952c9b64be85d9.jpg" }, { "user_id": 1021372, "full_name": "Martin Gira", "title": "Founder", "founder_bio": "CTO @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martintg", "x_url": "https://twitter.com/martin_tito_99", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/acd37c71a62471c69176bfbf3f8c683b19afc504.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 84746, "title": "Wallbit: US banking for global remote workers", "tagline": "Meet Wallbit; US bank account, card and investments for non-US residents", "body": "**Wallbit: The All-in-One Neobank for Global Remote Workers**\n\nWe’re excited to introduce you to the new version of Wallbit: your US banking app from anywhere in the world—without ever stepping foot in the US.\n\n### **FOR INDIVIDUALS:**\n\n* **US Checking Account**: Open a fully functional US checking account 100% remotely. No need for costly travel or lengthy paperwork.\n* **US Debit Card**: Spend globally with a US debit card linked directly to your Wallbit checking account.\n* **Investment Accounts**: Access US stocks and ETFs with ease, giving users the ability to invest and grow their wealth.\n* **Cash Management**: Earn competitive yield on your cash with low-risk options designed for stability and growth.\n* **Instant Withdrawals to Latin America**: Send money back home in seconds, saving up to 5% and many days compared to traditional remittance methods.\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/47f1952f-aabe-4657-bf81-1e36a3022634)\n\n### **For Businesses:**\n\nOur new **Business Portal** allows companies to easily pay to all their contractors without incurring in swift bank transfers or paying high fees to other intermediaries. With no cost, businesses can now \"bankarize\" all their contractors, open US bank accounts to all of them and manage their payroll seamlessly in Wallbit or their own business banking (aka Mercury, Brex, etc.)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! If your company is interested in using our business portal, or if you’d like to just chat and learn more, you can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/2e7f1aff-2d18-4c75-b6e3-4794e53d06e3)\n\n", "url": "https://www.ycombinator.com/launches/M2s-wallbit-us-banking-for-global-remote-workers", "votes": 6, "created_at": "2024-10-14T22:34:11.128Z" }, { "id": 69714, "title": "Wallbit: Neobank in the US for global remote workers", "tagline": "Meet Wallbit, a Neobank for non-US residents that also supports crypto and local currency withdrawals", "body": "**TL;DR:** Wallbit is a Neobank for global remote workers. We give non-US residents a bank account in the US where they can receive their income, and withdraw in crypto and local currencies around the world.\n\nHey everyone 👋, we are happy to introduce Wallbit!\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/74112f3e-dbd6-4d80-b025-6b4e6c217aac)\n\n**🙃 The Problem:**\n\nAs an international worker, you have to figure out ways to receive payments and withdraw money locally. Some banks in Latin America don’t even support US dollars, and the **US financial products are not so accessible if you don’t live there!**\n\n**🌎 The Solution:**\n\n**⚡ One-Stop Neobank for all the needs of remote workers ⚡**\n\nWallbit not only helps you receive payments, but also helps you get immediate liquidity. **Imagine receiving an ACH/Wire bank transfer from your client/employer in your Wallbit account, and then having those funds available in your bank account in your country in just 5 minutes…** sounds good, right? That’s exactly what we do.\n\nNow, take a look to the rest of our features:\n\n1. Receive ACH/Wire and Swift bank transfers ✅\n2. Receive payments from payroll platforms like Deel, OnTop ✅\n3. Convert and withdraw in crypto or local currencies ✅\n4. Get access to a virtual US debit card ✅\n5. Invest in the stock market and US treasuries ✅\n\nYep, all that, and it’s live already, no waitlists! Sign up in [app.wallbit.io](http://app.wallbit.io) and get access to your US bank account for free.\n\n### **💪 Why us?**\n\nWe are a team of software engineers from Argentina who have faced this problem for years while working remotely for US companies. We’re combining all that understanding of the problem with our tech expertise to fill the banking gap between the US and the rest of the world.\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/e30bd5b8-34df-4c62-b7ee-b0b0d0bb87c9)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! You can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)", "url": "https://www.ycombinator.com/launches/I8Q-wallbit-neobank-in-the-us-for-global-remote-workers", "votes": 188, "created_at": "2023-02-27T18:14:46.462Z" } ] }, { "id": 29415, "name": "Givefront", "slug": "givefront", "former_names": [ "Clav" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d65130c2135aa6aec31d84ddb306d5aa937ba15b.png", "website": "https://givefront.com", "all_locations": "San Francisco, CA, USA", "long_description": "The world’s most important organizations deserve the world’s best financial infrastructure. We’re here to make sure they do.\r\n\r\nAt Givefront, we've built a modern financial management platform designed specifically for nonprofits. With real-time budgeting, built-in compliance, and easy integrations, we replace the spreadsheets and guesswork with smart, automated systems.\r\n\r\nBy transforming financial operations from reactive to real-time, Givefront empowers nonprofits to control every dollar, protect every grant, and move their missions forward faster — with greater efficiency, transparency, and trust.", "one_liner": "Nonprofit Financial Management", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1708704798, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/givefront", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/givefront.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/givehq", "x_url": "https://twitter.com/Givefront", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/givefront", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d65130c2135aa6aec31d84ddb306d5aa937ba15b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 724702, "full_name": "Matt Tengtrakool", "title": "Founder/CEO", "founder_bio": "Matt studied CS and Stat at Harvard. Before Givefront, he founded a startup that helps loan-takers in Nigeria and led two national nonprofits. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/matt-tengtrakool", "x_url": "https://twitter.com/MattTtkool", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/599bec06dfb8e0911e6f9a5b4cf50c5facc98d77.jpg" } ], "jobs": [], "news": [ { "title": "Givefront Joins Owner", "url": "https://www.owner.com/givefront-joins-owner", "date": "May 01, 2026" }, { "title": "The 18 most interesting startups from YC’s Demo Day", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/", "date": "Apr 03, 2024" } ], "launches": [ { "id": 78677, "title": "Givefront – Financial Management for nonprofits and organizations", "tagline": "We empower organizations to manage spending, reporting, and compliance through a single, unified platform.", "body": "**TLDR: [Givefront](https://givefront.com) is a financial platform tailored for nonprofits. For millions of organizations across the US, our unified platform provides simplified budgeting, efficient spend management, streamlined reporting, and effortless compliance, all in one place.**\n\n![uploaded image](/media/?type=post&id=78677&key=user_uploads/674588/c393604b-bd73-4b7f-a1bc-06bdefaf4a5a)\n\nNonprofits and organizations face a unique set of financial challenges: fragmented financial tools, rigorous compliance demands, costly accounting processes, understaffing, and high turnover. Current digital banking and fintech products have consistently fallen short of addressing these distinctive needs. This leaves leaders having to piece together a variety of different products, causing a bookkeeping nightmare, and taking away valuable time from the organization's mission.\n\n**How We Help**\n\nOur platform is more than a bank; it’s a comprehensive financial operating system designed to help nonprofits streamline operations, maximize resources, and ensure financial transparency.\n\n* **Spend Management**: Create customizable cards with limits and approvals to monitor all spend.\n* **Streamlined Payments**: Replace Venmo and costly donation tools with our fee-free payment, donation, and reimbursement links.\n* **Fiscal Sponsorship and Granting Tools:** Create easily accessible accounts for supported programs, and manage team member accesses in one click.\n* **Automated Compliance:** Keep your organization on track with automatic custom reporting and annual filings.\n\n**Who We Are**\n\n[Matt](https://www.linkedin.com/in/matt-tengtrakool) studied Computer Science and Statistics at Harvard before leaving to build Givefront. Formerly founded a fintech startup and served on the board of national organizations.\n\n**Our Ask**\n\nWe serve all types of organizations from charities, foundations, student organizations, campaigns, and more.\n\nIf you're involved in a nonprofit or know someone who is, we would love to see how we can help! To learn more please fill out https://givefront.com/get-started or reach out at [founders@givefront.com](https://mailto:founders@givefront.com).", "url": "https://www.ycombinator.com/launches/KSz-givefront-financial-management-for-nonprofits-and-organizations", "votes": 129, "created_at": "2024-02-23T16:14:14.728Z" } ] }, { "id": 29820, "name": "Kontigo", "slug": "kontigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ea469fed3c60e9950eccadce6c5b7f8fcd6569.png", "website": "https://kontigo.lat/", "all_locations": "San Francisco, CA, USA", "long_description": "We’re building Kontigo, a USDC Smart Neobank for Latinos in the U.S. and Latin America.\r\n\r\nWe launched our Peer-to-Peer onramp 20 days ago and we’ve already had $540k in deposits, 10k active users and a +300k waitlist. \r\n\r\nThe founding team has built and scaled fintechs in Latam, and it’s ex-Venmo, Nubank, Rappi, MercadoLibre, Ualá, Platzi, and Yuno. \r\n\r\nWe’re already backed by DST Global, Soma Capital, Pioneer Fund, Transpose + 10 YC alums.\r\n\r\nSending money to Latin America is just as painful as holding it due to the region's fragmentation into 33 countries with 39 different currencies. \r\n\r\nOn one hand, cross-border payments to Latam are absurdly expensive (up to 20% per transaction). Conversely, over the past decade, currency depreciation across the region has become unsustainable. (some countries surpassing the trillion percent ). \r\n\r\nKontigo solves this with a USDC global wallet & a BTC savings account. \r\n\r\n- Like Venmo, but on-USDC.\r\n- Like Zelle, but for cross-border payments. No limits.\r\n- Like Nubank & Revolut, but without inflationary currencies. Bitcoin-backed.\r\n\r\nUser wallets are connected to an AI-private banker on WhatsApp to execute international USDC transactions. ", "one_liner": "USDC-Smart Neobank for Latinos. ", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1718239306, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kontigo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/kontigo.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kontigolatam/?viewAsMember=true", "x_url": "https://x.com/kontigo_app", "fb_url": "https://www.facebook.com/profile.php?id=100094816617944", "cb_url": "https://www.crunchbase.com/organization/kontigo-inc", "github_url": "https://github.com/Kontigo-Inc/kontigo", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ea469fed3c60e9950eccadce6c5b7f8fcd6569.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/29879/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAOTKCHR7A%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022721Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJHMEUCIQDeV7cQCYWa%2ByyakJaw7aH8e0HNWEyd2tO1Fn9KHjIpkgIgJPUveNomWrSf4Oq5DPuVDY7LKeaNJPvi5F2sbSx87Hoq5QMIOhAAGgwwMDYyMDE4MTEwNzIiDJ7%2FkqUU8p5mIeDC5CrCA7F4UggTYlVYiff4mYkoYiIpXa9r%2FKkUhcKwMNwtYpcuNTEBtH5xi9Hzkl3B%2FOYmUn%2FIacrdemsB9KrtOuRo%2FccaY%2Bs%2FSuIzime%2BcYuI7%2B%2Fg2nldjcm7YPCf32sIR8EflXc2916%2FDRMbztsRKDiQDL1ZKbK6YPHJppiQyVyRrrcCFD0X7tEf0D7QgK2DIpKnu8zGLzN4oAHn6xfHIgQnynrupcJbc9cga5AURtsRl7TfSM6XaGTtp1fNogyhUKX9f%2FYIL2pg03nlhLpRpDuqHpJ9qbbVsf%2FvboDHQ4IRRkiCaWH6GZwuTm%2FaXzTPIrAlVKH5%2F0RNaaExh%2Byw4VhHEEsSkHSs4mw%2BmNAKnW2FnWuldPRw5kn3j05dqhv5fkQxdp74JTYQe5wex1YN5PCok147bSKEuieYlIgH%2FiP9NY3Ym0ZRUWuo0zL40XWv9X3L1tLg%2BYWY0fCdhDKHGgTuesmbVajzEhu%2Bg9iWLptoK63cZ4UfO8oOd6sOc09XF6lBy%2BmD%2BSVmOfDWUOzz5ELD16slDTUwml0MZsttBoLDzldUc0olkl5nCAl23UqraiUXeaeW3yLOvJn%2BAD%2B%2FM6PvmZF0VzDn%2FdrWBjqlAVRsuTd0UsfPEqyKlBgBcSJTbWkHvSj10wzTCIqvOoZ3bz1TWza43iHLTCs7u%2FHmvoKE0qG5FTOsMYhLZb5XFdRretuo%2F1BjdoZt%2Fr0dHWGT4LLkmfYrkFclUq7u0pvMr6%2FR4I41ZYdCD3cWpGAcOrCQxKJukkkU%2Fx4O0IOnvZKvXzK4OISHe4XPgWQrnAJcSBOFX%2BXRwhpFbVXOOC%2BtEw%2BR3JTElw%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=3537a2cfc4d6c82521773b1d5c09ce067d57ae704153f4b16e1cfee95a78f783", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1585542, "full_name": "jesus alberto Castillo ferrer", "title": "Founder/CEO", "founder_bio": "I'm a Venezuelan founder obsessed with closing the financial inclusion gap for 1.7 billion humans. \n- Previously built the largest micro-lending platform in Venezuela, reaching over 500k SMBs in low-income communities with no financial history, implementing Muhammad Yunus methodology powered by ML. \n- Co-founded the first LLM marketplace in LatAm using micro-payments instead of subscriptions. \n- Founder at Bicuye, the most exotic Agave-Based Liquour with an Ultra-Premium membership club.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jesus-castillo-81a58b186/", "x_url": "https://twitter.com/jecastillof", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6fc990ed727d5f3248213721e884df5586d9ffb6.jpg" }, { "user_id": 489843, "full_name": "Gino Guatavita", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO at Kontigo. Tackling one of the biggest challenges in the region, access to credit and the financial system. Currently 500M+ people on Latam are under-banked, we are solving this with alternative data, AI and Web3.", "is_active": true, "linkedin_url": "https://linkedin.com/in/gino-guatavita-7269139b", "x_url": "https://twitter.com/GinoGuatavita", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24d46c866b2ab8c273481d8502e7106ebb32eaeb.jpg" } ], "jobs": [ { "id": 70394, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/kontigo/jobs/xAo6tMt-founding-engineer", "location": "San Francisco, CA, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$40K - $120K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 99410, "title": "Head of Security ", "url": "https://www.ycombinator.com/companies/kontigo/jobs/uNttrlv-head-of-security", "location": "San Francisco, CA, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "$120K - $220K", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 83682, "title": "Kontigo - A USDC-smart neobank for Latinos", "tagline": "Connecting all Latinos across the U.S. and LatAm through a single banking app.", "body": "**TL;DR**; We're connecting all Latinos across the U.S. and Latin America through a single banking app that is global, instant, and stable.\n\nHi everyone, we are Jesus & Gino, and we’re building [Kontigo](https://www.kontigo.lat/) —**A USDC-smart neobank for Latinos.** (With a Bitcoin piggy bank).\n\n![uploaded image](/media/?type=post&id=83682&key=user_uploads/1585542/a17fe45d-9aa1-4648-bc25-8550859b7208)\n\n**The real problem:**\n\n* The fundamental problem behind high fees, underbanked users, and failed currencies, both in Latam and the US, is precisely the same: the lack of a stable currency with global access and minimum government interference.\n\n**The consequence of the problem:**\n\n* The U.S. is home to 65 million Latinos, representing the fastest-growing population in the country; despite this, 35% of them are underbanked.\n* Each year, Latinos in the U.S. send over $170 billion to Latin America, often incurring fees as high as 20%.\n* Once the money reaches Latam, recipients may incur additional fees of up to 10% to convert and cash out.\n* In contrast, Latin America has a population of 700 million, with 20% of households relying on remittances for income and 75% of the population being underbanked.\n* Latin America's financial fragmentation worsens the problem, with 33 countries using 39 different currencies. Over time, all of these currencies have failed due to devaluation, inflation, and poor monetary policies.\n\n**Kontigo offers a USDC global wallet with a BTC savings account.**\n\n* Like Venmo, but on USDC.\n* Like Zelle, but for cross-border payments. No limits.\n* Like Nubank & Revolut, but without inflationary currencies. Bitcoin-backed.\n\nMade for real-life use cases—no crypto BS.\n\n![uploaded image](/media/?type=post&id=83682&key=user_uploads/1585542/1a5b8826-04d6-425d-b220-7f0c0b9d59c1)\n\nUser wallets are connected to an **AI-private banker on WhatsApp** for their daily needs.\n\n* Execute international USDC transactions.\n* Build-Credit. Build Wealth.\n* Plan your BTC retirement.\n\n![uploaded image](/media/?type=post&id=83682&key=user_uploads/1585542/8e5709b6-267d-4206-939c-c5c810cd2ac9)\n\n**We have brought together a “founder mode” dream team!**\n\n* \\+10 years building in fintech.\n* CEO prev built the largest micro-lending app in Venezuela.\n* CTO prev built and scaled 2 fintech companies in Colombia, Mexico and Ecuador.\n* CPO prev built A WhatsApp co-pilot for business owners. Ex-Platzi and HolaCasa. (YC companies).\n* COO prev built an LLM marketplace for Latam using micro-payments instead of subscriptions.\n* Head of design prev was founding team at Rappi, Grability, Imaginamos and Yuno.\n* Head of branding prev built an ultra-premium hand-crafted agave spirit brand.\n* Head of Web3 prev built an on-chain grocery delivery app for Colombia.\n* Head of engineering prev was tech lead at Venmo app development. (+Built a B2B payment startup in Mex).\n* Head of Content prev developed Ualá and Mercado Libre marketing strategy.\n\nKontigo is:\n\n* Already backed by DST Global, Soma Capital, Pioneer Fund, Transpose, HF0, Founders, Inc. Orange DAO, Optimism. +10 YC Alum.\n* Profitable.\n* \\+2 year runway.\n\nWe are gonna make it because we have done it before.\n\nBut this time, we're aiming for the moonshot.\n\nHelp us unlock universal wealth :)\n\nAsk:\n\n* Have a Latino friend? Share the [app](https://www.kontigo.lat/) with friends who need it.\n* Do you know any business, startup, or company that makes cross-border payments or needs a product like ours? Connect us! Contact at [founders@kontigo.lat](mailto:founders@kontigo.lat)\n\n**Stable Currency, Global Access.**", "url": "https://www.ycombinator.com/launches/Lli-kontigo-a-usdc-smart-neobank-for-latinos", "votes": 40, "created_at": "2024-09-02T18:38:23.510Z" } ] }, { "id": 30256, "name": "PAX Markets", "slug": "pax-markets", "former_names": [ "PAX Markets, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/05c8cff591b86d49ecb387cae532233ca6d248ee.png", "website": "https://pax.markets/", "all_locations": "San Francisco, CA, USA", "long_description": "PAX delivers more 𝛼 with its in-silicon exchange and HFT technology. The PAX on-chip λ API provides deterministic nanosecond tick-to-trade latency. HFT λ traders experience non-adverse counterparty selection by pairing with free-tier traders who access PAX using our zero-cost and rebated API.\r\n\r\nUsing our patented technology, PAX is building a new generation of exchange co-lo facilities that unite HFT with exchange.", "one_liner": "Co-located trading facility and matching engine on one chip.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1738613936, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pax-markets", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/pax-markets.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pax-markets/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/05c8cff591b86d49ecb387cae532233ca6d248ee.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1537672, "full_name": "Pete Stevenson", "title": "Founder/CEO", "founder_bio": "CEO at PAX. High frequency crypto trader. Ultra low-latency FPGA trading at Citadel Securities. U.S. Navy officer, nuclear powered fast attack submarine. Participated in two exited startups: HICAMP acquired by Intel and Pixie acquired by New Relic.\n\nPh.D., Stanford, electrical engineering. B.S. U.S. Naval Academy.\n\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/etepnosnevets", "x_url": "https://x.com/pax_pax_pax", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c46d5820133125d0a6323d086864df76140b559.jpg" }, { "user_id": 2226869, "full_name": "Benjamin Kilimnik", "title": "Founder", "founder_bio": "CTO at PAX. High frequency crypto trader. Smart contract trader. Cryptography and systems researcher at Brown. Distributed systems software at New Relic. Privacy engineer at Pixie Labs, startup exited to New Relic.\n\nB.S. Brown University, computer science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benkilimnik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/418e2aa3dc81753a08e8a31728529c5030b37768.jpg" } ], "jobs": [ { "id": 76180, "title": "Founding Hardware Engineer", "url": "https://www.ycombinator.com/companies/pax-markets/jobs/uzbhpCT-founding-hardware-engineer", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Electrical", "salary_range": "$150K - $200K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "C++", "Rust", "Verilog", "VHDL" ] }, { "id": 76181, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/pax-markets/jobs/gyUxpoz-founding-software-engineer", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "C++", "Rust" ] }, { "id": 79068, "title": "Founding Principal Hardware Engineer", "url": "https://www.ycombinator.com/companies/pax-markets/jobs/qv4p3Al-founding-principal-hardware-engineer", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Electrical", "salary_range": "$200K - $225K", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "C++", "Rust", "Verilog", "VHDL" ] } ], "news": [], "launches": [ { "id": 87536, "title": "PAX: a crypto exchange on a chip, faster and smaller than a datacenter.", "tagline": "PAX makes high frequency faster and every trade cost less.", "body": "![uploaded image](/media/?type=post&id=87536&key=user_uploads/1537672/ad765eb6-33b3-49a2-8ba2-6bd94e05b5a2)\n\n**Exchange on a chip, not a datacenter**\\\nPAX is a new crypto exchange and is the first – in all capital markets – to operate from a single chip rather than an entire datacenter. PAX moves traders to within nanometers of the exchange – closer than ever before possible.\n\nSuch proximity unlocks unprecedented value to high frequency customers and PAX shares this value by offering zero-fee with cash-back to every other market participant on every trade. PAX is to exchange as Robinhood was to retail brokerage: the first in the industry to “go to zero” and a complete game changer for every asset class.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXcmtCHC9EMMhzvyg5KeqhhUmDEjLnfaq9-SvMKoEvFQ869a9RnAlvZFdSvtWD6MBeT-L5KQPA9GHq0yzYbnSogD9YIIUR4zlxb0B33xGQu9svZ7u-Udin90V5yiUAZMRRuhSswM?key=Wo65vyZF0x9uq4uM0lkuHGQM)\n\n\\\n**The value of speed & proximity**\\\nAcross all financial markets, there is an arms race for speed. High frequency trading (HFT) firms spend billions of dollars to minimize latency, i.e., to sit as close as possible to exchanges (co-locate) and respond as quickly as possible to new exchange-published market signals.\n\n\\\n**Faster than any exchange, for any asset, anywhere**\\\nPAX is building core exchange technology into a chip. PAX is faster than NYSE, NASDAQ, Deutsche Börse, EDX, Crossover, Binance, OKX. Name any exchange: PAX is faster – not by a little, but by orders of magnitude.\n\nThe fastest exchanges today boast a 30 microsecond round-trip latency. PAX crunches that to 30 nanoseconds (1000x faster).\n\n\\\n**The PAX λ API: programmatic access to ultra-low latency**\\\nIn trading, speed is king. The PAX λ API provides the fastest tick-to-trade latency possible.\n\n![uploaded image](/media/?type=post&id=87536&key=user_uploads/1537672/ed004a70-b866-4713-8047-7c6b292c2d45)\n\nThe λ API enables traders to programmatically launch orders from within the same chip that hosts the PAX exchange. This proximity to the market – placing participant trading logic nanometers from the exchange – is extremely valuable and de-risks HFT market making strategies.\\\nhttps://pax.markets/blog/lambdas\\\nhttps://pax.markets/blog/lambda_use_cases\n\n\\\n**Zero-fee + cash-back: sharing the value & building liquidity**\\\nTrading at PAX is faster, and costs less. Our baseline price is zero, with cash back on every trade.\n\nHow can we do that? We sell speed: zero-cost trading with cash-back is financed by our opt-in fee based λ API. We look at it like this: PAX is selling speed and buying order flow.\\\nhttps://pax.markets/blog/rebates\n\n\\\n**Better market structure**\\\nPAX offers fresh insight into how capital markets should be structured. Behind the technology (exchange on a chip) and the new business model (zero-fee + cash-back) is a nuanced thought process. PAX market structure provides a better alternative to existing systems by adding price competition alongside incentive mechanisms.\\\nhttps://pax.markets/blog/pfof\n\n\\\n**Driving market efficiency across all assets**\\\nPAX is just getting started. Crypto is growing and evolving – it is an asset class with early adopters. PAX will relentlessly pursue its technology beyond crypto: in all electronically traded assets, markets, and geographies.\n\n\\\n**A preview of our “next year” Super Bowl spot**\\\nhttps://youtu.be/ExMOrOI2DFI\n\n\\\n**PAX founders**\\\nPete and Ben have years of experience trading across traditional and non-traditional markets.\n\nPete ([link](https://www.linkedin.com/in/etepnosnevets/)) helped build the world's fastest futures trading strategy using custom silicon at Citadel Securities, and more recently, he worked with a small team running quant research for crypto HFT across multiple CEX and DEX venues.\n\nBen ([link](https://www.linkedin.com/in/benkilimnik/)) was a high frequency crypto and smart contract trader. He’s worked on distributed systems at Pixie Labs (acq. by New Relic) and was a cryptography/systems researcher at Brown.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXft6pycITM9yuddOAFhCm-TaVA6Rqyk-OFHZCGULxtfr-vnvc3SCVQB7FLhmCWb7xbN_kxvYPmRNRVni8VoLqm4wsSBUIpbi4qcyI7avMLioBXZ-6gGcnCaAMWF-3w2lT7G_yMWDQ?key=7hHCqkS189LUBZ_ANR3SMQG4)\n\nPAX Founders, Ben and Pete, filming our YC application video at the corner of Wall & Broad, New York, NY (NYSE in the background).", "url": "https://www.ycombinator.com/launches/Mls-pax-a-crypto-exchange-on-a-chip-faster-and-smaller-than-a-datacenter", "votes": 60, "created_at": "2025-02-13T22:52:37.976Z" } ] }, { "id": 30269, "name": "Liquid Compute", "slug": "liquid-compute", "former_names": [ "PowerPlay", "Strike", "Pluto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb1c0f50037d9c24b823a5a568655e0a2d1980d.png", "website": "https://www.liquidcompute.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "Pending CFTC regulation to be the first cash and physically settled…", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1740523068, "tags": [ "FinOps", "Fintech", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/liquid-compute", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/liquid-compute.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/liquid-compute", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb1c0f50037d9c24b823a5a568655e0a2d1980d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1526382, "full_name": "Ronit Jain", "title": "Founder/CEO", "founder_bio": "CEO @ Liquid Compute", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ronitjain5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3a8f6d92dc2c46bb92d40c7a409eb6741ae8befb.jpg" }, { "user_id": 2378932, "full_name": "Aarav Patel", "title": "Founder/CTO", "founder_bio": "Working on derivatives exchange", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aaravpatel04", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8be0b2f5460b3c6e32f744ecf647b4b5c7e1540e.jpg" } ], "jobs": [ { "id": 97134, "title": "Head of GTM", "url": "https://www.ycombinator.com/companies/liquid-compute/jobs/FjZBn9g-head-of-gtm", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 98145, "title": "Liquid Compute", "tagline": "Building a Regulated Venue that Commoditizes Intelligence", "body": "Today, Liquid Compute emerges from stealth with a $15 million seed round co-led by Chemistry and Firstmark. They are joined by K8 Capital, Night Capital, TrueBridge, Brainchild Holdings, UFO Holdings, Y Combinator and angel investors such as Dmitry Balyasny. Alongside the launch, the company is announcing pending applications before the CFTC for Designated Contract Market (DCM) and Derivatives Clearing Organization (DCO) status to build the first regulated exchange to trade both cash and physically settled contracts on AI infrastructure, starting with compute.\n\n## The Strategic Rationale for Regulation\n\nBuilding a true financial layer for compute requires the same institutional-grade framework that governs traditional commodities. While pursuing a regulated path is long and arduous, and liquidity is difficult to bootstrap, startup entrants such as ICE in energy, CBOE in volatility, and Kalshi in event contracts prevailed and actually accrued most of the financial value in the commoditization of their multi-trillion-dollar asset classes precisely because they secured regulatory status while focusing deeply on the unique physical and structural nuances of their specific markets.\n\nFor compute, there are unique physical dynamics that are particularly challenging to overcome. Oil can be stored in a barrel. Compute cannot. If a GPU sits idle this afternoon, that capacity evaporates forever. Its value depends entirely on location, availability, configuration, and the specific workloads it can run. The heterogeneity of compute is actually far more analogous to the power markets, but instead of acting as a proxy of generating electricity, compute acts as a direct proxy for access to intelligence, making it a critical pillar of both economic and national power. The United States recognizes this reality and is pouring unprecedented capital into chips, data centers, and energy grid expansion to secure its geopolitical edge. However, building supply is only half the equation. To truly secure compute as a strategic asset, America needs robust, regulated market infrastructure to price it, allocate it efficiently, finance its rapid growth, and allow dependent companies to manage their risk.\n\n## Enabling the Compute Trader\n\nBecause intelligence is rapidly developing a measurable cost curve, massive businesses will need to manage their exposure to it. Enterprises running heavy inference will need to hedge against rising AI costs. Neoclouds will need to lock in future utilization revenues, and lenders financing data centers will need forward prices to underwrite cash flows.\n\nThis reality is driving a massive structural shift where the buyer of compute is no longer always the end user. A new class of participant is emerging, including neoclouds, brokers, and dedicated trading firms looking to buy capacity, warehouse it, resell it, arbitrage price differences, or simply take a speculative view.\n\nToday, these participants trade on fundamentally bilateral, cumbersome infrastructure. Every resale requires a new contract, a fresh credit decision, another payment setup, and a separate SLA. As capacity changes hands, the chain of liability becomes hopelessly tangled.\n\nLiquid Compute exists to abstract away that complexity. Before a meaningful futures market can launch, the industry must standardize exactly what is being delivered, which requires verifiable infrastructure, defined performance metrics, and credible physical reference prices. By building an Exchange for Physical (EFP) market and clearing transactions through a common framework, any participant with a balance sheet will be able to take a position on compute without needing to become a cloud operator, credit underwriter, or AI company.\n\nThis is precisely why the company has partnered with institutional market participants like Susquehanna, BGC, and Wintermute. Liquid Compute is building the infrastructure that empowers market makers, lenders, and entirely new classes of participants to trade compute as a liquid asset. More participants taking risk means a more liquid physical market, which in turn creates robust reference prices for the financial market above it. Our overall thesis is that intelligence becomes a utility supplied by many vendors, that its cost becomes a variable buyers have to actively manage, and that managing it well requires a trusted reference price, standardized contracts, and a market to trade them in.\n\nLiquid Compute is a Y Combinator W25 company based in New York.", "url": "https://www.ycombinator.com/launches/PWz-liquid-compute", "votes": 142, "created_at": "2026-02-24T18:07:42.893Z" } ] }, { "id": 30367, "name": "QFEX", "slug": "qfex", "former_names": [ "PSEx", "PFEx", "Entimox", "QFEX", "QFEx" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "website": "https://qfex.com", "all_locations": "London, England, United Kingdom", "long_description": "QFEX is the 24/7 exchange for traditional financial markets.\r\n\r\nWe let you trade US equities, commodities and FX pairs with (or without) leverages of up to 100x. On QFEX, UX comes first: brokerless market access, seamless integration with traditional payment rails, and ultra-efficient Perpetual Futures offered over all asset classes. Trading has never been simpler, cheaper or fairer than with QFEX.\r\n\r\nFounded by Quants and Engineers from Citadel & Tower Research who saw an opportunity to make markets how they always should have been, QFEX will eventually replace the entire $100 billion exchange and clearing industry.", "one_liner": "24/7 Global Stock Exchange", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1747069734, "tags": [ "Fintech", "Marketplace", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/qfex", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/qfex.json", "year_founded": 2025, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/qfex", "x_url": "https://x.com/qfex", "fb_url": "https://www.facebook.com/tradeqfex/", "cb_url": "https://www.crunchbase.com/organization/qfex", "github_url": "https://github.com/QFEX-org", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/57dfe4e062f27e2791073526579304626840f5cc.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b27f14c1d8b76dda0304895144a13b9f353e7663.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 2318196, "full_name": "Annanay Kapila", "title": "Founder/CEO", "founder_bio": "Annanay is Founder and CEO of QFEX. He met his co-founder Joshua at Cambridge, where he studied Maths and conducted Quantum Computing research. Since then, he has worked as a Quantitative Trader at Flow Traders and Tower Research Capital in London, and is now building QFEX as the exchange he always wish he had to trade on.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/annanay-kapila/", "x_url": "https://x.com/annanay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/44f2f9bd0d9943aa2aa4fd4c3a4561735abce17b.jpg" }, { "user_id": 115491, "full_name": "Joshua Wharton", "title": "Founder/CTO", "founder_bio": "Founder & CTO at QFEX", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshua-wharton/", "x_url": "https://x.com/joshuawharton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c4fe96a6de95fe4b5449b1193927210222778b7.jpg" } ], "jobs": [ { "id": 76806, "title": "Research Engineer", "url": "https://www.ycombinator.com/companies/qfex/jobs/S7XSybx-research-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 88980, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/qfex/jobs/2j9OMID-backend-engineer", "location": "London, England, GB / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$100K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 90317, "title": "QFEX - The Global 24/7 Stock Exchange", "tagline": "Direct, 24/7, leveraged trading on US equities, commodities and FX.", "body": "Hello World! We’re [Annanay](https://www.linkedin.com/in/annanay-kapila/) and [Joshua](https://www.linkedin.com/in/joshua-wharton/), and we’re building [QFEX](http://www.qfex.com/): a global, 24/7 stock exchange.\n\n#### **What We’ve Built**\n\nTrillions of dollars change hands every day in the global financial markets, but the pace of innovation is excruciatingly slow. As of 2025, you still can’t:\n\n* Trade directly on an exchange **without a broker** (unless you’re as big as Jane Street).\n* **Trade 24/7**.\n* Get **>20x leverage** or avoid margin fees.\n* Trade leveraged US stocks without **worrying about options**.\n\nWe’re changing this.\n\nWe’ve built an exchange that provides all of the above, packaged into a sleek, **direct-to-market** interface with one-of-a-kind purely **volume-based fees**. Bye-bye Robinhood selling your orders for Citadel to front-run. Adios to the Interactive Brokers GUI. Hello to markets as they _should_ **be**.\n\nhttps://www.tella.tv/video/joshuas-video-1m32\n\nhttps://www.tella.tv/video/joshuas-video-32cb\n\n#### **Call To Action**\n\nQFEX is currently running in a closed beta with a white-glove service to match user enthusiasm. To get earlier access: \n\n* **Sign up** to our [waitlist](https://app.qfex.com/login) to get invited!\n* Follow us on socials to make sure you don’t miss out on any early access perks! [Reddit](https://www.reddit.com/user/TradeQFEX/) [Twitter](https://x.com/TradeQFEX) [Facebook](https://www.facebook.com/tradeqfex) [LinkedIn](https://www.linkedin.com/company/entimox/)\n* [API](https://docs.qfex.com/) traders - welcome to the first API-native exchange! Reach out [here](mailto:hello@pfex.com) to schedule onboarding.\n* Share this post with anyone interested in trading, exchanges or crypto! \n\n#### **The Team**\n\nWe met at Cambridge studying Maths in 2016, and the rest is history. Working as Quants and Engineers at Tower Research and Citadel before YC, we spent a year trying to figure out why crypto exchanges can solve all of the above, but traditional exchanges can’t. We still haven’t found a convincing answer.\n\n#### **PS - For the Crypto/ Finance Bros**\n\nTaking a leaf out of the crypto world, [QFEX](http://www.qfex.com/) is listing Perpetual Futures in traditional assets, making it the first exchange to do so. Futures haven’t changed since the first standardized contract was made in 1865 to help farmers hedge their corn harvests. Now S&P500 futures trade $500 billion daily, but it still expires in time for the harvest. Why?\n\n[QFEX](http://www.qfex.com/) will save institutional traders billions of dollars in rolling costs, operational headache, and deeper liquidity from an unfragmented market - just like perps did for crypto. \n\n![uploaded image](/media/?type=post&id=90317&key=user_uploads/2318196/a0937f2e-75a9-4aeb-89fb-4152ad0abac7)\n\n", "url": "https://www.ycombinator.com/launches/NUj-qfex-the-global-24-7-stock-exchange", "votes": 182, "created_at": "2025-05-12T20:42:26.458Z" } ] }, { "id": 30487, "name": "IRBC", "slug": "irbc", "former_names": [ "Lyra" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7d307e10d74fa01d4fd34d5f8ea0755540c4046.png", "website": "https://irbc.com/", "all_locations": "New York City, NY, USA", "long_description": "IRBC is a financial technology company building an AI-native financial institution for global businesses and their AI agents. We believe stablecoins are to finance what AI is to software. IRBC enables businesses across 160 countries to bank, earn yield, spend with Visa credit cards, make instant global payments, and process payments like a local. All powered by programmable money and accessible through chat interfaces and a CLI.", "one_liner": "AI-native financial institution for global businesses + agents.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1746417759, "tags": [ "Fintech", "B2B", "Neobank", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/irbc", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/irbc.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/irbc", "x_url": "https://x.com/irbchq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7d307e10d74fa01d4fd34d5f8ea0755540c4046.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1617789, "full_name": "Courtne Marland", "title": "Founder/CEO", "founder_bio": "Founder & CEO at IRBC. Background in GTM engineering, SMMA, and software. Published 4 apps on the App store. 2x previous business exists. BSc Economics and Mathematical Sciences. Lived in South Africa, Dubai, London and Sydney.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/courtnemarland/", "x_url": "https://x.com/courtnemarland", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/670c43bf4b593ab7fd9b3447a8f5b247a54c31a9.jpg" }, { "user_id": 2368778, "full_name": "Henry Kwon", "title": "Founder/CTO", "founder_bio": "Building IRBC. US Congressional App Challenge 25 for '25. HackMIT & HackHarvard awards winner.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/taeksoo-kwon/", "x_url": "https://x.com/henrykwon05", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/22cfdf0a4b69b0a8e920671632d72f7d5e899f17.jpg" } ], "jobs": [], "news": [ { "title": "Video Calling Tool Lyra Raised $6 Million From YC and 468 Capital - Business Insider", "url": "https://www.businessinsider.com/video-call-tool-lyra-pitch-deck-y-combinator-seed-round-2025-7", "date": "Jul 24, 2025" } ], "launches": [ { "id": 94508, "title": "Lyra: The final meeting platform", "tagline": "Work with AI and your team live on docs, no screenshare required. Meetings finish with outcomes, not notes.", "body": "Hey YC community 👋\n\nWe’re excited to share Lyra, the final meeting platform.\n\nAI notetakers clutter meetings. Multiple tabs separate knowledge.\n\nLyra brings meetings and work together in one clean workspace.\n\nYou can work on docs with AI and your team live, no screenshare required. Create follow-ups and action items as you talk. Ask your meeting questions after the call. Access auto-transcribed calls and instant summaries. Everything stays in one place with full context across every meeting.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/f9014ef2-a26a-4734-bfef-3348b05afca0)\n\nLyra isn’t another notetaker. It’s a meeting platform with AI built in. You can host, record, transcribe, and collaborate all in one tab. The AI sits alongside your team to help you work during and after the call, instead of adding another window or attendee.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/9a37d1c6-2b08-45dd-a76e-b4556a8615da)\n\nEach meeting becomes a shared workspace where conversations, notes, and tasks connect automatically. The AI captures what matters, answers your questions, and keeps knowledge flowing between teammates. Nothing gets lost after the call.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/d559b1e5-5323-420c-88f8-580655f35b47)\n\n**For sales teams:**\n\n• Less admin, faster deals\n\n• Action items captured automatically\n\n• Ramp-up time halves as new reps learn from real calls\n\n**For customer success:**\n\n• Sales promises carry forward automatically\n\n• Next steps tracked in real time\n\n• New hires ramp faster with full account context\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/dc7c9a8d-e4e9-43b7-a211-8d0241bb126a)\n\nAI changed how we write and create. Lyra is what happens when that same intelligence is built directly into your meeting platform. No switching tabs, no juggling apps - just one place where you talk, collaborate, and finish with progress.\n\nEveryone who signs up gets 1,000 free minutes to start (enough for 30+ meetings) and an invite to a one-on-one onboarding session so we can learn from your experience and make Lyra even better.\n\nMeetings finish with outcomes, not notes.\n\nhttps://www.youtube.com/watch?v=fHAB1ycCBDc\n\nTry Lyra and see the difference → https://www.producthunt.com/products/lyra-7?launch=lyra-7\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/a0d9c7a5-dbfb-49ff-8d91-5341bd54a40c)\n\n", "url": "https://www.ycombinator.com/launches/OaK-lyra-the-final-meeting-platform", "votes": 9, "created_at": "2025-10-10T14:49:40.530Z" }, { "id": 90304, "title": "Lyra: The AI-Native Zoom For Revenue Teams", "tagline": "Sales hasn't changed in decades but buyer expectations have. We're fixing it.", "body": "Hey everyone 👋— we’re [Courtne](https://www.linkedin.com/in/courtnemarland/) and [Henry](https://www.linkedin.com/in/taeksoo-kwon/) and we’re building [Lyra](https://lyra.so/).\n\nhttps://youtu.be/KGiAZO7D60A\n\n# **❌ The Problem** \n\nEvery revenue team — whether at SMBs or enterprises knows these pains:\n\n* Spending hours manually personalizing docs and followup emails\n* Zero visibility into how engaged buyers are and what decision makers actually think\n* Champions that drag their feet on or just do a poor job at conveying your solution\n* Long sales cycles with long back and forth email threads\n* Trying to be competitive with a buying experience that sucks\n* Long ramp up periods spent studying content only to miss out on the latest material that customers actually care about\n\n**We believe sales is inherently human — AEs aren’t going anywhere, we 100x their efficiency and eliminate anything that isn’t talking to customers.**\n\n# **✅ Why Lyra Is Winning** \n\n**See our platform in action:**\n\nhttps://youtu.be/Gb0Gfi5Q-z0\n\nAlready, over 150 hours of sales calls are hosted on our platform each week. Metrics don’t lie - buyers rave about their experience, close rates go up and sales cycle lengths fall more than 34%. \n\nWe built our own meeting infrastructure with an AI agent at its core to deliver personalization at scale and a sales copilot in the room 24/7.  \n\n# **👋 The Team**\n\n**Courtne (CEO):** Published his first app at 13, has taken over 1,000 hours of sales calls and closed $50M in enterprise pipeline. BSc Applied Mathematics and Economics. \n\n**Henry (CTO)** HackMIT winner, early engineer at a few YC companies and brings AI technical expertise to the team. CS at UC Irvine. \n\n# **🚀 Run Your Next Sales Call On Lyra**\n\nWe're live with paying customers and seeking partners serious about revenue growth.\n\nIf you're interested in seeing what Lyra can do for your quota this month, we’d love to talk.\n\nContact us at [courtne@lyra.so](mailto:courtne@lyra.so)\n\n![uploaded image](/media/?type=post&id=90304&key=user_uploads/1617789/ed782300-fdce-4aef-9ff6-8cee71faa15f)\n\n", "url": "https://www.ycombinator.com/launches/NUW-lyra-the-ai-native-zoom-for-revenue-teams", "votes": 100, "created_at": "2025-05-12T19:41:01.266Z" } ] }, { "id": 31187, "name": "Fenrock AI", "slug": "fenrock-ai", "former_names": [ "new co", "Fenrock.AI", "Fenrock AI", "Fenrock AI (YC W26)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "website": "https://fenrock.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "We're building the Legora for traditional financial services, working closely with US bank CEOs to transform their businesses.", "one_liner": "AI agents for banks", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1769406704, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fenrock-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/fenrock-ai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fenrock-ai", "x_url": "https://x.com/FenrockAI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1914554, "full_name": "Charu Sharma", "title": "Founder/CEO", "founder_bio": "We're building specialized AI agents for banks to 10x back office functions.\n\nI previously founded and scaled 2 VC-backed companies to millions of users, hundreds of employees, and tens of millions raised from top-tier VCs, including General Catalyst's Hemant Taneja.\n\nFun fact: Fought goons in a train robbery in Mumbai and got the National Bravery Award from the Indian Prime Minister & President.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/charusharma1/", "x_url": "https://x.com/charu1603", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837d3354899bc42b763bc46606e17f2307c309fd.jpg" }, { "user_id": 1974434, "full_name": "Michael M", "title": "Founder/CTO", "founder_bio": "We're building specialized AI agents for banks to 10x back office functions.\n\nI previously spent 10 years building cutting-edge ML at Google and Apple for billions of users. I invented ways to train ML models without exposing private data, built Apple's first privacy-preserving ML at scale, and designed ML that helped a startup go public.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fiveseventyeleven/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ef7777ef756d822aa9721993e9be6f81978215c.jpg" } ], "jobs": [ { "id": 98553, "title": "Founding Engineer (Backend)", "url": "https://www.ycombinator.com/companies/fenrock-ai/jobs/HjrhODi-founding-engineer-backend", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] }, { "id": 98554, "title": "Founding Engineer (Full stack)", "url": "https://www.ycombinator.com/companies/fenrock-ai/jobs/cjkr5RF-founding-engineer-full-stack", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 98614, "title": "Fenrock AI - back office AI agents for banks", "tagline": "Process loans in minutes. Investigate 10x fraud alerts. Resolve customer complaints in seconds.", "body": "Fenrock AI is building AI agents for banks to 10x their back office functions.\n\nThese teams still run on a series of disjointed legacy systems. They are drowning in extremely manual work and backlogs, missing deadlines, and risking regulatory fines. \n\nFenrock overlays on your existing stack and seamlessly integrates internal policies and SOPs.\n\n**With Fenrock AI, banks can:**\n\n💰 Make a lot more money by **processing loans in minutes**, not months.  \n\n🤩  Offer stellar customer experiences by **resolving complaints in seconds**.  \n\n💪 Investigate **10x fraud and money-laundering cases** per analyst with bulletproof audit logs, and pass every regulatory exam. \n\n[\\[Launch video\\]](https://youtu.be/49Aycd2urmM)\n\nNo need to switch systems or migrate data.\n\n![uploaded image](/media/?type=post&id=98614&key=user_uploads/1914554/5c1c98aa-58d8-41f6-a20a-7fa144ae076b)\n\nWe have **deep experience building in highly regulated spaces**, and we were one of the **first teams to ever build AI agents**. \n\n[Charu](https://www.linkedin.com/in/charusharma1/) founded one of the largest healthcare API companies, backed by General Catalyst, and scaled it to over 6 million patients and 100+ employees.\n\n[Michael](https://www.linkedin.com/in/fiveseventyeleven/) built Apple’s first privacy-preserving machine learning at scale, used by billions worldwide, and invented techniques to train ML models without private data. \n\nIf you’re running a bank, Fenrock AI is a no-brainer. Email us at [charu@fenrock.ai](mailto:charu@fenrock.ai) today! ", "url": "https://www.ycombinator.com/launches/PeY-fenrock-ai-back-office-ai-agents-for-banks", "votes": 49, "created_at": "2026-03-09T15:50:42.372Z" } ] }, { "id": 31188, "name": "Maywood", "slug": "maywood", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/25766f301c649782f67a8e41bd075b4e72544918.png", "website": "https://maywoodai.com/", "all_locations": "New York City, NY, USA", "long_description": "Maywood is the first finance-compliant proactive AI that runs 24/7, working across your network, pipeline, and active processes, running constantly in the background and surfacing things you'd otherwise miss. It tracks relationships and sector context to flag when a target is gearing up for a process (and drafts the outreach in your voice), watches network activity across LinkedIn, news, and conference follow-ups, and surfaces where active processes stand, including what's at risk since you last looked.\r\n\r\nIt also auto-updates CRMs and trackers and creates meeting briefs that includes relationship history, recent activity, deal context, external research, talking points that can pull from internal and external data sources. Dealmakers interact with it over email, Teams, or the platform itself. ", "one_liner": "The first finance-compliant proactive AI that runs 24/7", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1770247865, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/maywood", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/maywood.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/maywood/", "x_url": "https://x.com/maywoodai?s=21&t=VSCMuGGZdlswu2O-sROs-Q", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/25766f301c649782f67a8e41bd075b4e72544918.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1812971, "full_name": "Drake Goodman", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO of Maywood. Ex-Blackstone. Huntsman Program @ Penn. 2x Founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/drake-goodman/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/47e0d9bdc3c41593a2a3879f786462880d2482fc.jpg" }, { "user_id": 2969341, "full_name": "Kent Goodman", "title": "Founder/COO", "founder_bio": "Co-Founder of Maywood. Ex-BCG. EECS & Sloan @ MIT\n2x founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kent-goodman", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a3d667f3b008027c1dd02dc738ae87296f298923.jpg" }, { "user_id": 3208619, "full_name": "Esteban Vizcaino", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO of Maywood. EECS @ MIT", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/esteban-vizcaino-9920a5210/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81e85b83c0cffd57d69c6248a695848a43bdaeb5.jpg" } ], "jobs": [ { "id": 89718, "title": "AI Researcher ", "url": "https://www.ycombinator.com/companies/maywood/jobs/1u2jRjy-ai-researcher", "location": "New York, NY, US / San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Deep Learning", "Reinforcement learning (RL)" ] }, { "id": 89720, "title": "Applied AI Engineer ", "url": "https://www.ycombinator.com/companies/maywood/jobs/DV7GBKh-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Python", "Machine Learning" ] } ], "news": [], "launches": [ { "id": 97535, "title": "Maywood - AI for M&A", "tagline": "The platform to run your entire deal", "body": "Hi Everyone! \n\nWe’re **Drake, Kent, and Esteban**, co-founders of [**Maywood**](https://maywoodai.com/). \n\n# **TL;DR** \n\n**Maywood automates deal execution for investment banks, from decks to diligence.**\n\nBanks do not lose deals because of bad judgment. They lose time to repetitive work, fragmented information, and processes that do not scale with deal volume. \n\nMaywood removes execution bottlenecks so that deal teams can focus on judgment rather than mechanics. \n\n \n\n[**https://youtu.be/OCgXCora2OQ**](https://youtu.be/OCgXCora2OQ) \n\n# **The M&A Process Doesn’t Scale** \n\nThere was $5 trillion of M&A in 2025, yet M&A workflow spans dozens of fragmented systems. Deal teams spend an extraordinary amount of time reconciling updates across platforms, copying figures from client materials, and reviewing large decks line by line to ensure accuracy and consistency. As teams increase transaction volume, they are forced to trade off speed with quality. The more deals a team runs, the harder it becomes to maintain a consistently high standard of execution. \n\nExecution, in practice, does not scale cleanly. We see this across middle-market and large investment banks. Teams rely on increasingly manual oversight to keep processes on track, with senior bankers spending time reviewing mechanics rather than focusing on judgment, positioning, and client advice. \n\nWe believe the best deal teams should win based on the insight and guidance they deliver to clients, not on their ability to manage PowerPoint and internal coordination at scale. \n\n \n\n# **Maywood Expedites Execution and Elevates Quality** \n\n![uploaded image](/media/?type=post&id=97535&key=user_uploads/2969341/7e11d106-ad35-4d3f-b52a-8969cdadf936)\n\nMaywood is building an AI execution layer for investment banking. Our goal extends much further than producing decks at the push of a button and instead centers around unlocking deal teams to focus on their relationships with clients and maximizing outcomes. \n\n### **1. We do the Foundational Analysis** \n\nMaywood provides a thorough research process covering the company, industry, deal dynamics, and more. Instead of analysts and associates spending days pulling comparables, industry context, and buyer rationales or managing directors (MDs) prepping endlessly for their next call with the management team, our system handles the entire process natively. This enables Maywood to optimally position each company being sold, in some cases replacing an MD’s original thesis altogether. \n\n### **2. Our Materials Can be Sent Directly to Clients** \n\nMaywood analyzes past confidential information memorandums (CIMs) and pitches to extrapolate firm-specific language and formatting standards. We run models that determine what has led to success in the past and emulate that in current deals, all while being in an isolated system. Some MDs forward materials directly generated on Maywood, while others use it to draft first-pass materials and iterate quicker using natural language to make slide mutations. \n\n![uploaded image](/media/?type=post&id=97535&key=user_uploads/2969341/86433f7d-2dfb-4678-a235-18b429c7690a)\n\nMaywood also transforms the due diligence portion of the process, where buyers ask countless questions about the transaction. Maywood surfaces answers immediately and flags missing information along with key risks to ensure deal teams are fully equipped.  \n\n![uploaded image](/media/?type=post&id=97535&key=user_uploads/2969341/9910819f-a237-47f5-8465-6421fad16989)\n\n### **3. We Deliver Everything via a Single Platform** \n\nEverything is connected. The analysis feeds into decks and the due diligence module. Data updates propagate throughout the entire system automatically. Every feature works as a function of this continuously updating data layer, from first document uploaded to close. \n\n \n\n# **Who This is For** \n\nWe are focused on middle-market and large investment banks running multiple sell-side processes per year and teams that care deeply about quality, consistency, and speed. \n\nWe are already working with several banks and are seeing strong results! \n\n \n\n# **Our Ask**  \n\nIf you are, or know, any of the following, we would love to talk: \n\n* Investment bankers thinking seriously about how AI fits into execution \n\n\n* COOs, heads of operations, or tech leaders at banks evaluating productivity tools \n\n\n* Former bankers with strong opinions about what actually matters in sell-side execution \n\nYou can reach us at [**founders@maywoodai.com**](mailto:founders@maywoodai.com). \n\nIf you know anyone thinking about selling their company, we are happy to help out as well! We have a lot of banking connections to help you navigate this process and get the best outcome possible. \n\n \n\n# **Team** \n\n**Drake** leads product, strategy, and go-to-market. He saw the significant shortcomings and breakdowns of the deal process firsthand while working on some of the largest deals in the industry. He previously worked in private equity at Blackstone, where he helped roll out AI initiatives. He graduated Summa Cum Laude from the Huntsman Program at Wharton. \n\n**Kent** leads AI and go-to-market. He always loved doing analyst work first manually and then automating it end-to-end right after. That mindset led him to MIT, where he conducted deep research in neural stylistic transfer. Wanting to do this at scale, Kent went to BCG to automate work at Fortune 500 companies. When he heard deals take 6-9 months end to end when the manual work could be shortened to weeks, he founded Maywood to transform the industry. \n\n**Esteban** leads AI and infrastructure. He saw how much AI could transform a financial organization during his time in the hedge fund space at Balyasny. With a strong research background in AI and machine learning, he joined Kent and Drake in founding Maywood to bring those same transformations to dealmaking.  ", "url": "https://www.ycombinator.com/launches/PN9-maywood-ai-for-m-a", "votes": 31, "created_at": "2026-02-05T17:30:24.158Z" } ] }, { "id": 31457, "name": "ValCtrl", "slug": "valctrl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e3baf656ebe6d7298a56a2799b4143c1d8a6e653.png", "website": "https://valctrl.com", "all_locations": "New York City, NY, USA", "long_description": "ValCtrl is building the intelligent prediction market: users type any public, resolvable belief about the future, ValCtrl structures it, prices it, and lets them trade it. Today’s prediction markets only support pre-listed questions, leaving user beliefs fragmented across venues, contract wording, rules, and proxy markets. ValCtrl’s world model maps typed beliefs to relevant market signals, evaluates basis risk, prices the claim, and moves toward model-priced liquidity where ValCtrl can take the other side with risk and compliance controls. We are starting from hard belief-to-market queries and building toward a market where anything that can be resolved can be priced.", "one_liner": "ValCtrl is building the only intelligent prediction market", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1779922059, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/valctrl", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/valctrl.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://x.com/ValCtrl", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e3baf656ebe6d7298a56a2799b4143c1d8a6e653.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2458948, "full_name": "Sarth Garg", "title": "Founder/CEO", "founder_bio": "---", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sarkgarg/", "x_url": "https://x.com/gargsarthak678", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8c7389f5b9bca0be6194fd10dacbf870e771b40.jpg" }, { "user_id": 2979857, "full_name": "Gaurav Paliwal", "title": "Founder/CTO", "founder_bio": "Just building.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/qaurav/", "x_url": "https://x.com/qavrav", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2783c37c25d7f944b7663e0bc25f13a5d7bc30b6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 33178, "name": "TovenAI", "slug": "tovenai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b832a1e965bc59dfbc18a9817802870d7264332.png", "website": "https://toven.ai", "all_locations": "San Francisco, CA, USA", "long_description": "TovenAI builds a platform of AI agents that handle manual, data-intensive work for compliance teams at institutional trading firms, with six agents currently live. Our customers range from specialist firms to large global institutions, with our agents supporting multiple compliance workflows at a top-10 institutional brokerage.\r\n\r\nWith prebuilt connectors to more than 30 systems—including Bloomberg, Cloud9, and NICE Actimize—firms can onboard to our platform and evaluate results using their own data in less than a week.", "one_liner": "AI agents for compliance at institutional trading firms", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1786560317, "tags": [ "Fintech", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tovenai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/tovenai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tovenai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b832a1e965bc59dfbc18a9817802870d7264332.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 695373, "full_name": "Batu Balci", "title": "Founder/CEO", "founder_bio": "Founder at TovenAI. Previously Quantitative Research Engineer at Citadel's Global Quantitative Strategies group. Senior Software Engineer at Salesforce. Stanford CS.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/batuhan-balci-7a3589114/", "x_url": "https://x.com/batubbalci", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24f0a192733f83d6c638efaa5efeb8c9521f2e84.jpg" }, { "user_id": 2817439, "full_name": "Sam Turchetta", "title": "Founder/CTO", "founder_bio": "Cofounder at TovenAI. Previously worked on ML at Meta. Stanford Men’s Varsity Tennis and CS ’21.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sam-turchetta-b14311166/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/25fb2bee3c76413e5285ab143882be546aabb6c8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110467, "title": "TovenAI: Your intelligent compliance stack for finance", "tagline": "AI agents for compliance at institutional trading firms that understand firm policies, analyze activity across systems, and surface what matters most", "body": "**TL;DR:** Compliance teams at institutional trading firms still spend hours manually sifting through mountains of data across recorded calls, chats, and trade records to investigate activity and produce defensible audit trails. Determining what matters requires not only finding the right data, but also interpreting activity against applicable regulations and the firm’s own policies and procedures. TovenAI is building a platform of AI agents that connects to their systems, assembles the evidence, and surfaces what matters for compliance teams at these firms—think the sales and trading businesses at banks like Bank of America and specialist brokerages like Marex.\n\nWe are live at one of the top 10 institutional trading firms in the U.S., with multiple AI agents delivering value through our platform.\n\n\n\n## **What we built**\n\nTovenAI’s agents analyze activity across existing communications and trading systems using each firm’s policies, procedures, and applicable regulations as context, assembling the relevant evidence for compliance teams.\n\nOur trade-reconstruction agent rebuilds the full sequence of a trade, links every event to its source evidence, and reduces the process from around four hours to minutes. Our electronic-communications surveillance agent reduces the false-positive burden by 3× and, in a head-to-head evaluation, delivered roughly 7× more value per alert reviewed than the market-leading incumbent.\n\nOur platform supports several other compliance workflows, giving teams broader coverage with less manual work.\n\nWith prebuilt integrations to more than 30 systems – including Bloomberg, Cloud9, CME and NICE Actimize – firms can evaluate TovenAI on their own data in under a week without replacing their existing stack.\n\n## **Why us**\n\nWe met eight years ago at Stanford. Batu later worked as a quantitative research engineer at Citadel Global Quantitative Strategies, building AI systems for quantitative research. Sam was a machine learning engineer at Meta, working on its ads recommendation systems.\n\nWe work closely with our customers and sit besides compliance officers every day. This gives us a rapid feedback loop, lets us see their workflows firsthand, and allows us to redesign compliance operations with AI at their core.\n\nSam’s mother spent her 15-year career in risk and compliance and was our first sounding board as we began exploring the space.\n\n## **Our ask**\n\nWe would love introductions to compliance leaders at firms with institutional trading businesses.\n\nThink the sales and trading divisions of banks like **JPMorgan, Bank of America, Citizens**, as well as specialist brokerages like **TP ICAP and Marex**. We are interested in firms of all sizes, from specialist brokerages to the largest global banks.\n\nIf you know a broker or trader at one of these firms, they can likely connect us with someone on their compliance team.\n\nA one-line introduction is enough, and we will take it from there.\n\nEmail us at: [**founders@toven.ai**](mailto:founders@toven.ai)\n\nLearn more about us at .", "url": "https://www.ycombinator.com/launches/Sjj-tovenai-your-intelligent-compliance-stack-for-finance", "votes": 63, "created_at": "2026-08-19T18:58:36.456Z" } ] } ]