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In addition to helping social organizers, the company is legally certified in securing fundraisers for non-profit organizations.", "one_liner": "Mobile crowdfunding: The easiest way to collect, fundraise, and sell…", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1322045868, "tags": [ "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "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/tilt", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/tilt.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": null, "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 29909, "full_name": "James Beshara", "title": "Founder/CEO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jjbeshara/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/28ebf6beb51d4b291101b2d94cb7ef5f7e50e1b5.jpg" }, { "user_id": 52564, "full_name": "Khaled Hussein", "title": "Founder/CTO", "founder_bio": "Khaled is a serial entrepreneur who started his journey at a very young age in Egypt and found his way to the US. He founded Tilt, a Y-Combinator and a16z funded company that empowered communities and groups to pool money together. After selling Tilt to Airbnb, he founded RedDoor, a company providing an entirely new mortgage experience. Time magazine named him one of the top 30 under 30 changing the world. Currently, he is the Founder & Managing Director at Stipple, a venture studio based in SF.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dsogkhaled/", "x_url": "https://twitter.com/dsog", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d2d101105ecae0601fbc93070cf87b910f33896.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 80, "name": "Debteye", "slug": "debteye", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://debteye.com", "all_locations": "Chicago, IL, USA", "long_description": "Automate credit counseling.", "one_liner": "Automate credit counseling.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789106, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "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/debteye", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2011/debteye.json", "year_founded": null, "city": "Chicago", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/debteye", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 73259, "full_name": "Paul Zhang", "title": "Founder/CTO", "founder_bio": "Cofounded and served as CTO at Debteye (S11).\n\nWent on to cofound Avant, currently serving as CTO", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/zhangyipeng/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fdb711a5f6ec7cca0abb7162e06d802737274a55.jpg" }, { "user_id": 5709, "full_name": "John Sun", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/avantjohnsun/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/62470205bc7fd3c386684279c1636ded782abf09.jpg" }, { "user_id": 12179, "full_name": "Kevin Yu", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kevinyu1029", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/df6e35e7e8a228eeb8e058488cb0e0b1369d331f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 98, "name": "GoCardless", "slug": "gocardless", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ccdabab089f9b89cedc7a361ae2e169d4d6a942.png", "website": "http://gocardless.com", "all_locations": "London, England, United Kingdom", "long_description": "At GoCardless we believe that bank payments are the best way to pay and get paid. We help businesses collect both recurring and one-off payments, without the chasing, stress or expensive fees.\r\n\r\nWe’re building a global bank payment network that lets people make and collect payments straight from their bank account, across multiple countries and currencies. 75,000+ businesses around the world trust us to power their payments. We enable them to collect payments from 30+ countries, processing over $30 billion each year.\r\n\r\nOur suite of add-on products are helping businesses face their payment challenges head on. From automatically recovering failed payments, to challenging charge backs and fighting fraud - all without compromising their customer’s payment experience.\r\n\r\nOur open banking leadership unlocks the ability to make and accept direct bank payments confidently and securely. And our acquisition of Nordigen means we’re also helping businesses make faster and more informed decisions by accessing and generating insights from their customers’ bank account data.\r\n\r\nWe’re also backed by some of the world’s leading investors including Accel Partners, Bain Capital Ventures, Balderton Capital, GV (formerly Google Ventures), Notion Capital, Passion Capital, Permira and Salesforce Ventures. We're a global team, with offices in London, Paris, Riga, Melbourne and New York.", "one_liner": "We’re building the world’s bank payment network.", "team_size": 900, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789297, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "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/gocardless", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2011/gocardless.json", "year_founded": 2011, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/gocardless/", "x_url": "https://twitter.com/GoCardless", "fb_url": "https://www.facebook.com/GoCardless/", "cb_url": "https://www.crunchbase.com/organization/gocardless", "github_url": "https://github.com/gocardless", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ccdabab089f9b89cedc7a361ae2e169d4d6a942.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3a4f8e29e2ed10dc6dbf1a32697ac1fef3424e39.png" ], "primary_partner": null, "founders": [ { "user_id": 24082, "full_name": "Hiroki Takeuchi", "title": "Founder/CEO", "founder_bio": "Hiroki is co-founder and CEO of GoCardless, a global leader in direct bank payment solutions. Prior to founding GoCardless, he worked as a Business Analyst at McKinsey & Co before succumbing to the entrepreneurial bug and enrolling in the Y Combinator program. He studied Mathematics at Oxford University where he served as Vice President of Oxford Entrepreneurs.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hirokitakeuchi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d7384c8f7758066af68c5e0dccb67f318e49bb2f.jpg" }, { "user_id": 24083, "full_name": "Tom Blomfield", "title": "Founder", "founder_bio": "Cofounded GoCardless (YC S2011) and Monzo (YC Continuity). Now a partner at YC, based in San Francisco.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tomblomfield", "x_url": "https://twitter.com/t_blom", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ab7bdb23ee93545fc44ab122a4e3a59baa2619c.jpg" } ], "jobs": [], "news": [ { "title": "GoCardless Embed opens up access to a global bank payment network | GoCardless", "url": "https://gocardless.com/blog/gocardless-opens-up-global-bank-payment-network/", "date": "Feb 08, 2022" }, { "title": "GoCardless secures USD312 million to accelerate growth in open banking", "url": "https://gocardless.com/blog/gocardless-secures-312m-to-accelerate-growth-in-open-banking", "date": "Feb 08, 2022" } ], "launches": [] }, { "id": 100, "name": "MarketBrief", "slug": "marketbrief", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://marketbrief.com", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "MarketBrief analyzes 30,000+ trusted documents per day looking for relevant business headlines and breaking news all within fractions of a second.", "one_liner": "Generate stories from SEC filings.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789316, "tags": [ "Analytics" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "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/marketbrief", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2011/marketbrief.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/marketbrief", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 24218, "full_name": "Chris Auer", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d94049c0774cdf76b428ac6fb05da1ba012d8860.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 120, "name": "Leaky", "slug": "leaky", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd84096638821143234fa64c438277bfe5cbc4e7.png", "website": "http://leaky.com", "all_locations": "San Francisco, CA, USA", "long_description": "Leaky is the best, free way to compare insurance.\r\n\r\nWith Leaky, we let you compare both prices and personalized quality scores for the largest insurers in the US. Insurance doesn't need to be scary, and so we do our best to help you through the process of comparing, shopping, and buying insurance.", "one_liner": "Online auto and business insurance. 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Previously built Interviewed S15 (acquired by Indeed) and Leaky (S11).", "is_active": false, "linkedin_url": "http://www.linkedin.com/in/darrensnix", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a6d954ce241a119ac37231e50f32e3415bb18452.jpg" }, { "user_id": 11713, "full_name": "Jason Traff", "title": "Founder", "founder_bio": "CopyCat Paintings -> MIT Sloan -> Leaky (YC S11) -> MIT Sloan -> Shipwell. I'm currently the co-founder and President of Shipwell, a connected shipping platform based in Austin, TX that brings shippers, 3PLs, and carriers together in a single place.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jasontraff/", "x_url": "https://twitter.com/jasontraff", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4c7895f7e2922e41977a17bd21a4e4fe836ae8df.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 161, "name": "Balanced", "slug": "balanced", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://balancedpayments.com", "all_locations": "San Francisco, CA, USA", "long_description": "Payments for Marketplaces.\n\nWe're obsessed with all forms of infrastructure, including communications, transportation, energy, waste management, and payments. Robust infrastructure creates a happier, more productive, and more prosperous society. You know exactly what I mean if you've traveled somewhere where you struggled to find a reliable Internet connect or even usable roads. You also know what I mean when you sit in traffic or struggle with public transportation (or lack thereof) in the US.\n\nBalanced was created to increase the global economy (increase GDP) by enabling new commerce. Our mechanism or facility to do that is payments. Everything else we do depends on how it fits into the vision for Balanced.", "one_liner": "Payments for Marketplaces", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789931, "tags": [ "Marketplace", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "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/balanced", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2011/balanced.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/balanced", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [], "jobs": [], "news": [], "launches": [] }, { "id": 197, "name": "FutureAdvisor", "slug": "futureadvisor", "former_names": [ "Future Advisor" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9646d12ef702815678b089d1127fdf3de037009.png", "website": "http://futureadvisor.com", "all_locations": "San Francisco, CA, USA", "long_description": "FutureAdvisor is an award-winning digital wealth management firm serving client households nationwide from our offices in San Francisco. We use software to power a wealth management experience accessible to everyone, at less than half the price charged by traditional firms. Our clients are the mass-affluent investors underserved by traditional financial advisory and wealth management firms. \r\n\r\nFutureAdvisor is leading a shift in financial services towards transparency, convenience and inclusion.\r\n\r\nFutureAdvisor is looking for engineers to help build better portfolio management tools for everyone. Our unbiased financial advice is giving middle- and working-class families powerful tools they never had access to before, and they're free. If our mission strikes a chord with you, please send us your resume: https://www.futureadvisor.com/jobs\r\n\r\nSocial Media Community Policy: \r\n\r\nContent posted here by third-parties about FutureAdvisor remains the responsibility of the party posting the content, and is neither endorsed by FutureAdvisor nor representative of FutureAdvisor's viewpoints. Any opinions or statements posted by third parties are their own, and may not be indicative of others'​ experience or future performance or success. FutureAdvisor does not endorse or adopt any content on a third-party site linked to from this page. At its discretion, FutureAdvisor may remove any content containing violations of securities regulations; lewdness, personal attacks or obscenity; comments irrelevant to the topic at hand; or unsolicited advertisements and spam.", "one_liner": "The online financial management service for everyone.", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326790216, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2010", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/futureadvisor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2010/futureadvisor.json", "year_founded": 2010, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/futureadvisor", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9646d12ef702815678b089d1127fdf3de037009.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 21015, "full_name": "Bo Lu", "title": "Founder/CEO", "founder_bio": "Current at Clipboard Health (W17) as Co-CEO.\nWas CEO of FutureAdvisor, acquired by BlackRock (NYSE:BLK) post Series B. \nMicrosoft alum as a PM. \nUniversity of Illinois Urbana Champaign Computer Science w/focus on Human Computer Interaction. 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His last startup BoostKPI, which was building an AI data analyst, was acquired by Inflection AI. Before BoostKPI, he started TapSense, where he helped scale annual revenues to double-digit millions, and sold it to Wish.com. He is an ex-googler, a YCombinator alumni, and has a PhD in Computer Science from Carnegie Mellon.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/amitmanjhi/", "x_url": "https://twitter.com/amitmanjhi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6a3af4dea23df0323c18134657df10276e88af30.jpg" }, { "user_id": 67718, "full_name": "Shashank Pandit", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/shashankpandit", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c8c6006395198f8e929455277a0b622333c63e3d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 374, "name": "TextPayMe", "slug": "textpayme", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://textpayme.com", "all_locations": "Seattle, WA, USA; Redmond, WA, USA", "long_description": "Founded in 2005, TextPayMe is an SMS payment service that lets you send money to other people using cell phone text messaging. TextPayMe lets you send money to anyone else in the US with an SMS-capable cell phone, and while phone carriers may charge for the actual text message sent/received, sending and receiving money is free while TextPayMe remains in Beta.\n\nIn July 2006, the TextPayMe team started working for Amazon and, as of 2011, the site redirects to an Amazon's mobile payment website. There was no press release related to this event but it's assumed the company was acquired.\n\nSending and receiving payments through TextPayMe is easy: simply write a text message to SMS@TextPayMe.com with \"pay amount phonenumber\" in the body (i.e. to send $5 to 123-456-7890, text \"pay 5 1234567890\"). The service is secure as well, as each payment needs to be confirmed by a user-created PIN. To fund your transactions, TextPayMe lets you add money directly from your bank account and now also lets you link your credit card as well. Currently, the maximum amount that can be sent or received per month is $500.", "one_liner": "", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326791686, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2005", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "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/textpayme", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2005/textpayme.json", "year_founded": null, "city": "Seattle", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/textpayme", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 33954, "full_name": "Phil Yuen", "title": "Founder/CEO", "founder_bio": "Phil is part of the YC 06 batch, TextPayMe founder, a mobile payment system which was eventually acquired by Amazon and became Amazon Payments. Now working on an anti COVID-19 Air Filtration device.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/philipyuen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f2ab9e110ab7700004fe7a883ee3c60cab811191.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 414, "name": "SmartAsset", "slug": "smartasset", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d79adb13b4acb20f9e08e876a7ad54319a3e7a10.png", "website": "http://smartasset.com", "all_locations": "Austin, TX, USA; Remote", "long_description": "SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. \r\n\r\nAdditionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.", "one_liner": "Marketplace connecting consumers to financial advisors", "team_size": 210, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1336096730, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2012", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/smartasset", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2012/smartasset.json", "year_founded": null, "city": "Austin", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/smartasset", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d79adb13b4acb20f9e08e876a7ad54319a3e7a10.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 31399, "full_name": "Michael Carvin", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michael-carvin-5315692a", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e5e564583c93cf5c57e9d7e6d509bd36fae36c13.jpg" } ], "jobs": [], "news": [ { "title": "SmartAsset rethinks financial advisory, and becomes a unicorn in the process – TechCrunch", "url": "https://techcrunch.com/2021/06/24/smartasset-rethinks-financial-advisory-and-becomes-a-unicorn-in-the-process/", "date": "Jun 24, 2021" } ], "launches": [] }, { "id": 504, "name": "Coin", "slug": "coin", "former_names": [ "Coin" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://onlycoin.com", "all_locations": "San Francisco, CA, USA", "long_description": "Coin is a consumer electronics and financial technology company bringing simplicity and security to payments. Through the Coin developer program, wearables makers now have a turnkey solution for integrating secure payments into their devices (e.g. fitness trackers, smartwatches, jewelry). Follow the company on Twitter @coin or learn more about the Coin developer program at http://developer.onlycoin.com.\n\nCoin 2.0 smart payment device\nCoin 2.0 is a secure smart device that has the form factor of a credit card, but it holds your cards in one - including your credit, debit, gift and loyalty cards. Coin 2.0 lets you swipe or tap your cards at millions of merchants across the USA. Coin 2.0 has 80%+ compatibility, partly because we use cutting-edge technology that has not yet been integrated into all point-of-sale systems. We encourage customers to carry a “backup card” given the wide variety of sales registers in the USA. While Coin 2.0 shares the same form factor as a credit card, it features enhancements such as an electronic display and a single button to allow for simple switching between different cards. With over-the-air updates, Coin 2.0 adapts to evolving payment technology, offering future-ready ubiquity in a small and powerful package. Coin's security features also keep your information safe. Auto-unlock means that only you can use your Coin 2.0 while Last Known Location helps you find your Coin 2.0 in case of loss or theft. Coin 2.0 is designed for use in the USA. To verify identify, a Social Security Number is required.\n\nWebsite: https://onlycoin.com\nVideo: https://youtu.be/gJBZMUuhUrw", "one_liner": "A mobile wallet that allows you to pay everywhere credit cards are…", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1354492879, "tags": [ "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2013", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2013/coin.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coin", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 30926, "full_name": "Kanishk Parashar", "title": "Founder/CEO", "founder_bio": "cofounder/CEO Powder - AI growth platform for wealth advisors. Previously, I was cofounder/CEO of RCI Navigator. Navigator helps asset and wealth managers to pace into private assets such as VC, PE, Infra, etc. while taking risks into account. It was acquired by Addepar in Jan 2021. Navigator is used by 150+ firms including UBS and Morgan Stanley. Before that I was cofounder/CEO of Coin (YCW13). Coin was a all-in-one digital credit card that combined all your cards into one.", "is_active": false, "linkedin_url": "https://linkedin.com/in/diamondk", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6448324619fedb83cc73c7db99e7d1329e1031fc.jpg" }, { "user_id": 39771, "full_name": "Karthik Balakrishnan", "title": "Founder/CTO", "founder_bio": "PhD in Aero/Astro at Stanford\nYC W13 - Coin (acq. Fitbit)\nThen, founded \"Airbus UTM\" - air traffic control infrastructure for drones\nNow, co-founder of ACTUAL - infrastructure modeling and finance SaaS", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kbalakri", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1918da33ed1f17d875a31ff902201b74cc0fab1d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 664, "name": "Clear", "slug": "cleartax", "former_names": [ "ClearTax" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b9c7802fe390e275d36ad0835a41223e647bcf5a.png", "website": "https://clear.in/", "all_locations": "Bengaluru, KA, India", "long_description": "\r\nOur mission is to simplify finances, save money and time for millions of Indian businesses and people. We are a technology company that builds trusted, useful and insightful platforms for our clients to run their finances and improve their relationship with money.", "one_liner": "Fintech SaaS platform for invoices, taxes, wealth management & credit.", "team_size": 900, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1398907674, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia", "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/cleartax", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/cleartax.json", "year_founded": 2011, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/cleartaxindia/", "x_url": "https://twitter.com/clearTax_in", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cleartax", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b9c7802fe390e275d36ad0835a41223e647bcf5a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/117737120142f50443608f4206410a93df401923.png" ], "primary_partner": null, "founders": [ { "user_id": 28, "full_name": "Archit Gupta", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/architgupta", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4c35fff65150f5807323d5d0cb7a61091b8090a7.jpg" }, { "user_id": 15378, "full_name": "Srivatsan Chari", "title": "Founder/Head of Product", "founder_bio": null, "is_active": true, "linkedin_url": null, "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e54ec1715a8d44fe42c7328f09c544a553371d.jpg" }, { "user_id": 5543, "full_name": "Ankit Solanki", "title": "Founder/CTO", "founder_bio": "", "is_active": true, "linkedin_url": "https://in.linkedin.com/in/ankitsolanki", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19910fb9f8a5080e44fc3781fa56160945c04bf0.jpg" } ], "jobs": [], "news": [ { "title": "Robinhood CPO, Coinbase CPO, And Balaji Srinivasan Invest In Clear", "url": "https://inc42.com/buzz/robinhood-cpo-coinbase-cpo-and-balaji-srinivasan-invest-in-clear/", "date": "Jan 13, 2022" }, { "title": "Stripe backs India’s Clear in $75 million funding – TechCrunch", "url": "https://techcrunch.com/2021/10/24/stripe-backs-india-cleartax-in-75-million-funding/", "date": "Oct 24, 2021" }, { "title": "From ClearTax to Clear: how the Indian fintech startup ecosystem’s vanguard is slowly becoming a full-stack financial company", "url": "https://yourstory.com/2021/09/fintech-startup-cleartax-clear-full-stack-financial-company-pivot/amp", "date": "Sep 19, 2021" }, { "title": "ClearTax rebrands itself as Clear", "url": "https://yourstory.com/2021/06/cleartax-rebrands-itself-as-clear/amp", "date": "Jun 28, 2021" } ], "launches": [] }, { "id": 765, "name": "SparkGift", "slug": "sparkgift", "former_names": [ "Spark Gift" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://sparkgift.com", "all_locations": "San Francisco, CA, USA", "long_description": "SparkGift is a Y Combinator backed technology startup that makes it easy to give investments as gifts. \r\n\r\nThe founders came together with a common vision that it should be as easy to give someone an investment in the future, as it is to give someone a retail gift card. SparkGift supports small dollar gifts and fractional shares, so you can give someone a $20 investment in Apple or a Vanguard index fund.\r\n\r\nSparkGift is creating products that make investing simple, enjoyable and accessible to the masses. Our mission is to use gifts to create new savers & investors at scale.", "one_liner": "SparkGift makes it easy to send stocks and index funds as gifts to…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1416220097, "tags": [ "Investing", "Stocks" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "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/sparkgift", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/sparkgift.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/spark-gift", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 14038, "full_name": "Peggy Mangot", "title": "Founder/CEO", "founder_bio": "Partnerships and Corp Dev. at JPMorgan. 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It offers Flatting, a software product that enables its users to keep track of their flat's expenses, including flat account, flat-mates, and payments. 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We serve the 68M people in the US (mainly Women and POC) who are denied credit due to historical bias and the lack of access that current banks provide to credit building and tools. (It wasn't until The Equal Credit Opportunity Act in the 1970's that Women and \"Minorities\" could even get fair access to credit)!\r\n\r\n\r\nAltro has created a mobile that allows anyone to have access to credit, using their subscriptions as a means to start building their credit score. Altro lends to members a $75 Line of Credit to pay for their subscriptions, such as Netflix, Hulu, HelloFresh, etc. This card is built to solely work on the subscriptions that the member is already paying for, allowing them to securely use their $75 credit to build their credit using things they are already paying for.\r\n\r\nDoing this empowers folx who were denied credit a way to start building their score and financial power. Altro will service millions of people in not only building their credit, but also gaining access to the tools (such as personal loans, emergency funds, car/house loans and more) that they could not access prior.", "one_liner": "Build Credit With Your Subscriptions", "team_size": 29, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1599762606, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.", "answer": "Help college students build credit fast & for free" }, { "question": "How long have each of you been working on this? How much of that has been full-time? Please explain.", "answer": "I have experimented with the student financial crisis since my freshman year and started working with Ayush our Sophomore year (9 months working together). Aside from being full-time students, we have seen exponential growth in the company in the past 3 months and have gone full time on this venture since." }, { "question": "What is your company going to make? Please describe your product and what it does or will do.", "answer": "Our company is developing a mobile app that allows users to build their credit score using non-traditional data points, such as rent, Netflix, utilities and other recurring payments. \r\n\r\nWe do this by furnishing on-time payments from our users to the US Credit Bureaus. This data can be backlogged up to 2 years, allowing users to see a significant boost in their credit score in under 2 weeks. This is much faster than the 6-8 months it takes to build your credit using a credit card or loan." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/altro", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/altro.json", "year_founded": 2019, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/28492829/admin/", "x_url": "https://twitter.com/altro_app", "fb_url": "https://www.facebook.com/altroapp/", "cb_url": "https://www.crunchbase.com/organization/perch-0bce", "github_url": "https://github.com/PerchCredit", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/58847e130c30f297f7cee19998c6a99931a8c35d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2d6e6ea7d6c976eeb35c5724d2e9bfb08438e455.png" ], "primary_partner": null, "founders": [ { "user_id": 418574, "full_name": "Michael Broughton", "title": "Founder", "founder_bio": "ALTRO", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michael-j-broughton/", "x_url": "https://x.com/mikejbroughton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7179b632885848ec636bffc6c02ef14532ea70ef.jpg" }, { "user_id": 150376, "full_name": "Ayush Jain", "title": "Founder", "founder_bio": "Founder & CTO at Altro. 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How did you decide to be a founder?)", "answer": "Max and I have known each other since we were best friends at a middle school for gifted children in the Bay Area.After a four-year stint in the Foreign Exchange trading group covering Hedge Funds at Goldman, I spent two years as the fourth employee selling software to property managers. That experience taught me that every property manager’s biggest problem in their business was leasing, and no one had solved it. I called my old friend Max, who was working on the search team at Google, and asked him for advice on solving income verification for rentals. He responded that he had spent years working on this problem in the Mortgage space for Blend (now public), and that the transformers AI revolution finally made an end-to-end solution possible.Max resigned from Google a few months later, and we were working on Two Dots. 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Over time we plan to integrate with many data sources so payroll data can be seamlessly used to make better & faster underwriting decisions by any financial institution.\n\n### **Who We Are**\n\nI started my career working at Goldman for 4 years, before making the jump to startup-land as the 4th employee at a proptech startup, where we processed online rental applications.  Seeing up close how broken the income verification process is, and how broken the overall way underwriters decide who gets access to housing (credit scores), lead us to realize there’s a better way.\n\nMax started his career as one of the first engineers on the income verification team at Blend, spending years working on this problem before making the jump to work on search at Google.  After experiencing both the excitement of being early at a rapidly scaling startup (Blend is now public), and the mega-scale of search at Google, Max and I decided we were the team to tackle the broken consumer underwriting system.\n\n### **How You Can Help**\n\nOur biggest focus today is getting more customers, **so if you know anyone managing thousands of rental properties we would love an intro!** ", "url": "https://www.ycombinator.com/launches/Gu9-two-dots-income-employment-verification-for-lenders", "votes": 18, "created_at": "2022-07-28T21:42:54.049Z" } ] }, { "id": 27670, "name": "Finn", "slug": "finn", "former_names": [ "Move", "Shyp", "Finvest" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ac74ef17515332715cf66cdf6fe361837c44011.png", "website": "https://getfinn.us/", "all_locations": "San Francisco, CA, USA", "long_description": "Finn is your personal wealth manager that knows your money, plans ahead, and gets things done.", "one_liner": "AI Wealth Manager", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678100153, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/finn", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/finn.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getfinnnow/about/", "x_url": "https://twitter.com/getfinnnow", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ac74ef17515332715cf66cdf6fe361837c44011.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": 312220, "full_name": "Shivam Bharuka", "title": "Founder", "founder_bio": "Builder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shivambharuka/", "x_url": "https://twitter.com/shivambharuka", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e688098b7c4e2860b8e5c5a9ec68b4a83f798fc.jpg" } ], "jobs": [ { "id": 84571, "title": "Chief of Staff", "url": "https://www.ycombinator.com/companies/finn/jobs/Nfeg5mX-chief-of-staff", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$85K - $120K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Growth design" ] } ], "news": [ { "title": "Finvest app will have you invested in US Treasury Bills in minutes | TechCrunch", "url": "https://techcrunch.com/2024/01/31/finvest-app-treasury-bills-fintech/", "date": "Jan 31, 2024" } ], "launches": [ { "id": 77435, "title": "Finvest: The easy way to buy US Treasury Bills", "tagline": "Buy Treasury Bills in a few clicks. Lock in up to 5.3% APY and pay no state taxes!", "body": "Hi Fintech nerds! This is Shivam - We are thrilled to introduce Finvest! 🎉\n\n**TL;DR:** Finvest is the easiest way to buy US Treasury Bills. Our mission is to enable everyone to grow their wealth in a stress-free way. You can **earn up to 5.3% APY** through Treasury Bills - an industry-leading rate to replace your savings account. Your interest is secured and locked-in even if the Fed lowers rates and **interest is exempt from state taxes, unlike your savings account**. Say goodbye to clunky platforms like TreasuryDirect and Fidelity 📉\n\nCheck out our website [**here**](https://www.getfinvest.com/) and download the app on the [**App Store**](https://apps.apple.com/us/app/finvest-invest-in-us-treasury/id6473599514) or [**Play Store.**](https://play.google.com/store/apps/details?id=com.bondgrid.bondgrid)\n\n[**Check our Product Demo Video**](https://www.youtube.com/watch?v=GfG73c2iRF4&t=2s)\n\n**Problem**\n\nInterest rates are at an all-time high since 2007. With interest rates at such unprecedented levels, we wanted to take advantage of the environment, but all the major banks gave us basically nothing on our cash. Chase only gives 0.01% interest on cash - it's a scam! With the high interest rates, you basically earn free money on idle cash through US Treasury Bills.\n\nBut there is no easy way to buy Treasury Bills today. You can buy them through the government website (Treasury Direct) - which is an experience from the 1990s or use the legacy brokerages like Fidelity, Charles Schwab. I would personally never use a Fidelity or Charles Schwab account - it’s non-transparent, opaque, and comes with a clunky user experience. Most modern fintech apps also don’t enable you to invest in underlying fixed income assets.\n\n**Why buy Treasury Bills?**\n\n🎉 Interest-rates are at all-time highs since 2007! In fact, the US Treasury Bill outperforms majority of US stocks\n\n🏝️ You pay no state or local taxes on interest earned on Treasury Bills. This is unlike your savings account. If you live in a high-tax state, this can make a HUGE difference!\n\n🔑 Locked-in rate: Your interest rate is locked in even if the Fed drops interest rates. Its a great time to invest in Treasury Bills because rates will drop soon!\n\n💰 Backed by the full faith of the US Government: Treasury Bills are one of the safest assets in the world\n\n![uploaded image](/media/?type=post&id=77435&key=user_uploads/312220/8b48aa44-adab-4aa2-b007-b1d9edba8511)\n\n**Solution**\n\nWe built a platform we wish we had - a simple way to invest in the fixed income assets like US Treasuries. We want to democratize access to the $130 Trillion fixed income market, which is 3x the size of the equity market.\n\nWe are launching with support for US Treasury Bills and plan to offer the entire set of fixed income products such as high-yield spend accounts, money-market funds, Treasury Notes and Bonds, Municipal Bonds, Certificates of Deposits, and International Bonds.\n\nWe want your idle cash to work for you, not the other way around. With interest rates this high, everyone should be able to grow their wealth in a stress-free way.\n\n![uploaded image](/media/?type=post&id=77435&key=user_uploads/312220/0c126c11-2185-4d6e-a41d-f85600d7f479)\n\n**How do you compare to alternatives?**\n\nIt is not even worth comparing with traditional banks such as Chase and Bank of America which offer less than 0.05% interest, make huge profit by investing our hard-earned money in Treasury Bills, and keeping the interest margin for themselves.\n\nHigh-yield cash account such as Robinhood Cash, Wealthfront, or Marcus give up to 5% interest which is still lower than what we would get by directly investing in Treasury Bills and **are not exempt from state taxes**. You can invest in money-market funds and bond ETFs - but these funds are exposed to short-term securities and their interest rate will fall once the Fed starts cutting rates.\n\nWith Treasury Bills, your interest rate is locked in when you hold them to maturity. So let’s say you buy a 12-month Treasury Bill today, your interest rate is locked in even if the Fed cuts rates. Moreover when you invest into US Treasuries directly, the interest you earn is exempt from any state or local taxes.\n\n![uploaded image](/media/?type=post&id=77435&key=user_uploads/312220/eab1a4b7-0508-43e7-9939-fbd9a8075b61)\n\n### \n\n**Is my money going to be locked in?**\n\nYou can sell your Treasury Bills anytime - it is one of the largest and most liquid financial markets in the world. You can withdraw money from your Finvest account anytime at no cost. :)\n\n### \n\n**How much do you charge?**\n\nUnlike other financial institutions, we want to be transparent about our fees. We charge a monthly fee of 0.03% on the average daily market value of your assets. So let’s say the average daily balance of the assets in your account is $1,000, we will charge you 30 cents per month. A single Starbucks latte costs $5 these days. Your net earnings on Finvest are still higher than your earnings on other investment platforms as shown in the table above.\n\n### \n\n**Is my money safe?**\n\nFinvest is a financial technology company, not a bank or an investment advisor. Finvest never directly holds your cash or investments. Your funds, investments, and Treasuries are securely held in custody and cleared through Pershing Advisor Solutions LLC, a subsidiary of the Bank of New York Mellon Corp.\n\nYour account is also covered by SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). US Treasuries are considered to be one of the safest assets to park your cash since they are backed by the full faith and credit of the US government.\n\n**Ask**\n\n* Download the Finvest app and share your thoughts.\n* Show it to your friends and family!\n* Reach out at [**shivam@getfinvest.com**](mailto:shivam@getfinvest.com) if you would like to say hi!", "url": "https://www.ycombinator.com/launches/K8x-finvest-the-easy-way-to-buy-us-treasury-bills", "votes": 13, "created_at": "2024-01-11T18:00:06.713Z" } ] }, { "id": 27915, "name": "Rainmaker", "slug": "rainmaker", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4513fcb84fa72bcdfce26d3a22b34e43edaa1e49.png", "website": "http://www.rainmaker.nyc", "all_locations": "", "long_description": "Rainmaker is an account abstraction-based crypto wallet that makes DeFi investing simple and fast. Set up a wallet with just an email, instantly deposit funds from your bank or credit card, and invest in DeFi without gas fees.", "one_liner": "DeFi for Everyone", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678219500, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rainmaker", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/rainmaker.json", "year_founded": 2022, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/87153326", "x_url": "https://twitter.com/RainmakerWallet", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4513fcb84fa72bcdfce26d3a22b34e43edaa1e49.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": 69513, "full_name": "Carlos Reyes Stoneham", "title": "Founder", "founder_bio": "Founder of Rainmaker. Previously PM & Engineer.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/carlosreyes1/", "x_url": "https://twitter.com/theczarlos", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/57ba8115a38a4be91e6e1cec6b9b63af0ea8c91a.jpg" }, { "user_id": 1298997, "full_name": "Brent Traut", "title": "Founder", "founder_bio": "Co-founder of rainmaker.nyc • Previously Apple, Microsoft, Pinterest, Hashflow, and lifetime startup hacker", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/btraut/", "x_url": "https://twitter.com/btraut", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3cd4728077c82e2dea0e855e3d6ea898eb67ca0e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 70781, "title": "Rainmaker - DeFi for everyone", "tagline": "We’ve built the best crypto wallet for the next generation of DeFi, removing unnecessary technical nuances and simplifying complex concepts.", "body": "**The Overview**\n\nRainmaker is the fastest, simplest way to invest in and manage DeFi positions. Our mobile-first, account abstraction based crypto wallet enables 1-click, gas-less entry into advanced investment strategies.\n\n**The Team**\n\nBrent and Carlos are DeFi veterans with over a decade of experience building crypto and consumer products.\n\n![uploaded image](/media/?type=post&id=70781&key=user_uploads/69513/bdd065f3-0f9a-4a62-a732-85a0d614c7d5)\n\nBrent was previously the VP of engineering at Hashflow where he scaled trading volume from under $200M/yr to over $12B/yr. Carlos previously led Consumer Growth at LinkedIn Learning where he added over $14M in revenue in under two years.\n\nOutside of their previous employment both Brent and Carlos have been building automated systems for personal DeFi investing for years, working on everything from arbitrage to MEV.\n\nAs the founders built more and more custom software to facilitate trading, they came to the realization that all of this software should be packaged together and made more accessible to a wider range of users. Ultimately this became Rainmaker.\n\n**The Problem**\n\nWhile owning tokens like BTC and ETH has become common, putting these tokens to use via DeFi remains prohibitively difficult for most people due to the complexity of the tooling and ecosystems. As a result, people leave money on the table, or worse, mismanage their investments and lose money.\n\nWe think about the complexity of investing in DeFi in three parts:\n\n1. Setup, tooling, and education.\n2. On-ramping\n3. Investing\n\nInvesting in DeFi starts with basic wallet setup which comes with a learning curve too steep for most. Users need to navigate seed phrases, security hygiene, fiat onramps, gas fees, token allowances, and so much more.\n\n![uploaded image](/media/?type=post&id=70781&key=user_uploads/69513/bfdf639d-335d-4c0e-81e3-165254696c5d)\n\nIf a user is motivated enough to make it past setup and funding, it’s still difficult to securely discover, enter, and manage complex DeFi strategies. Users often accidentally take on positions with unclear risk, sacrifice security and decentralization for convenience, or just hold tokens without earning any yield.\n\nUltimately the goal of investors is to execute on their investing thesis, and the complexities of the tooling and protocol interactions have merely been “part of the process”.\n\n**The Product**\n\nRainmaker is an account-abstraction-based mobile crypto wallet that reduces the lengthy and complex process of investing in DeFi to just a few taps. What used to take hours of work and months of research now takes seconds.\n\n\n\nWe leverage MPC and smart contracts to allow users to safely self-custody funds with just an email login. Instant onramps enable users to go straight from their bank accounts to DeFi.\n\nWhile simple onboarding is critical to help more users feel comfortable interacting with DeFi, Rainmaker’s real magic is how we leverage account abstraction to create the world's best DeFi integrations.\n\nNative integrations with top protocols like Lido, Stargate, Synapse, Vector, and many more allow users to enter and exit DeFi strategies with one-click and no gas fees.\n\n![uploaded image](/media/?type=post&id=70781&key=user_uploads/69513/6c26ca83-8a21-4fb5-8259-4d15d3a453f3)\n\nPosition automations precisely track key metrics like gains/losses, rewards collected/expected, and changes in underlying risk (TVL, unique wallets connect, APY variance) all while regularly compounding rewards for maximum capital efficiency.\n\nRainmaker takes seconds to set up and is available across iOS, Android, and web.\n\n**The Ask**\n\nIf you’re a DeFi investor, we’d love to hear about the strategies you’re currently leveraging or are interested in!\n\nYou can schedule a call with us or email us at [founders@rainmaker.nyc](mailto:founders@rainmaker.nyc).\n\nCheck us out at: ", "url": "https://www.ycombinator.com/launches/IPd-rainmaker-defi-for-everyone", "votes": 48, "created_at": "2023-04-05T22:28:17.586Z" } ] }, { "id": 28089, "name": "Maxi", "slug": "maxi", "former_names": [ "Leather", "Thread" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/74fe59b0fad86e3ef763c2294a3eb1d69431df2b.png", "website": "https://www.usemaxi.app", "all_locations": "New York City, NY, USA", "long_description": "Maxi is an iMessage-based, AI-native agent for your personal finances. It connects to all your accounts (secure read-only access) and Gmail and proactively texts you to help cancel subscriptions, identify split expenses, and send Venmo requests (on your behalf). It also tracks your net worth, reminds you about bills, and keeps you in line with your budgets.", "one_liner": "AI Agent for your personal finances", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1674772876, "tags": [ "Fintech", "Consumer Finance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/maxi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/maxi.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/maxi-app/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/thread-6984", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/74fe59b0fad86e3ef763c2294a3eb1d69431df2b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 817842, "full_name": "Akeem Williams", "title": "Founder", "founder_bio": "Building cool things :) \nEx-Microsoft / Morgan Stanley", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/akeem-williams-aa88b5140/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5b2d0e4b19bc359f06d6479435b692a2c82d1e5.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69972, "title": "Thread - Incident management for large enterprises", "tagline": "We take the best practices from Amazon and Microsoft and make them available to all engineering organizations.", "body": "Hi everyone! We’re Yuheng, Akeem, and Harsha, the co-founders of Thread.\n\n**tldr: Thread is incident management for large enterprises. We take the best practices from Amazon and Microsoft and make them available to all engineering organizations.**\n\n### **Problem ❌:**\n\nIncidents are the most stressful part of any live production service, and engineers are often ill-prepared for dealing with them… especially in large enterprises. As enterprises move to the cloud and microservice architecture, embrace remote work, and pick up increasingly more tooling for incidents, engineers face growing difficulty identifying and resolving complex system issues.\n\n* APMs, such as Datadog and New Relic, **overwhelm engineers with data and lack contextual information, making problem-solving a challenge.**\n* Customer support help desks, like Zendesk, **often provide inadequate information when creating tickets, leading to a frustrating cycle of questions for engineers.**\n* Alerting and ITSM tools, such as Pagerduty and ServiceNow, **alert engineering teams but often lack the necessary context for efficient issue resolution.**\n\nNot to mention, leadership still lacks visibility into incident details and progression.\n\nIt's like trying to solve a puzzle with missing pieces and no picture on the box.\n\n### **Solution 💡:**\n\nThe gold standard for incident management workflows is straightforward to describe, but it is incredibly difficult to implement in practice, especially at enterprise scale.\n\nThe four pillars are:\n\n**Detection**: identifying the bug using either a monitoring tool or a customer service tool\n\n**Routing**: getting the ticket to the right person that can solve the issue, using paging tools and communication tools\n\n**Resolution**: using context-providing tools like session replays and streamlined data providers to help solve the issue\n\n**Learning**: identifying the root cause of the issue and generating future workflows to more adeptly solve the problem (or prevent it from happening again)\n\nEnter **Thread:**\n\n![uploaded image](/media/?type=post&id=69972&key=user_uploads/1146884/e2dd7ee3-17c8-45d5-a047-eb5305106c76)\n\nThread offers engineers a customized configuration management database with runbooks, past tickets, monitoring data, and recommended actions for diagnosing and resolving incidents.\n\nWe also provide real-time updates and summaries to leadership and stakeholders during critical incidents, identifying bottlenecks in workflows to prevent future issues.\n\nWhy settle for a single tool that might not fit all your needs? Our platform allows teams to bring in their favorite tools to create a tailor-made solution.\n\n![uploaded image](/media/?type=post&id=69972&key=user_uploads/1146884/417624ff-51f1-426f-93ef-8c792f1758f7)\n\n### **Why us?**\n\nWe’re 3 ex-Microsoft/Amazon engineers who built these tools and processes on our respective teams (Microsoft Store and Prime Video). We want to take what we learned and build an even better solution for the millions of engineers out there, so no one has to face the existential dread of on-call panic ever again.\n\n### **Our Ask ❤️:**\n\nIf you or anyone in your network knows a VP/Director of Engineering at a large enterprise, around fortune 500 level, (**bonus points if their org currently uses tools like ServiceNow**) who would be open to using a 3rd party tool to improve their incident management, processes, and/or learnings, **we’d love an intro.**\n\nIf you have enterprise-level experience with **any of the above tools, we want to hear from you!** We're always striving to improve our integrations and bridge any gaps in the incident management process. Share your experiences with us!\n\nReach out to us at [**founders@usethread.io**](mailto:founders@usethread.io)! We’d love to chat!", "url": "https://www.ycombinator.com/launches/ICa-thread-incident-management-for-large-enterprises", "votes": 730, "created_at": "2023-03-06T19:49:50.961Z" } ] }, { "id": 28090, "name": "Littio", "slug": "littio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e23dd28085a1e8e08c55a386fdd94d4eed49462.png", "website": "https://www.littio.co/", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Littio is a neobank focused on solving the currency devaluation problem for Latin Americans. The product offers a Savings Account, a Mastercard debit, and investing options in U.S. dollars to help people avoid the currency risk.", "one_liner": "Dollar banking for people in Latin America", "team_size": 37, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1673386052, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Colombia", "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/littio", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/littio.json", "year_founded": 2021, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/littio-co/", "x_url": "https://mobile.twitter.com/littioco", "fb_url": "https://www.facebook.com/littio.col/", "cb_url": "https://www.crunchbase.com/organization/littio-08b1", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e23dd28085a1e8e08c55a386fdd94d4eed49462.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": 570318, "full_name": "Christian Knudsen", "title": "Founder/CEO", "founder_bio": "Chris is the Co-founder & CEO of Littio. He leads growth with over a decade of experience scaling tech startups and leading growth across multiple industries, including fintech, agriculture, and web 3.0.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/christian-knudsen-daccach-51915397/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9ae47ff0b9dea09bed1a3f1a189ca39c050c061.jpg" }, { "user_id": 878384, "full_name": "Ivan Torroledo", "title": "Founder", "founder_bio": "Physics & Economist \nData Scientist \n+9 banking & financial services experience", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ivantorroledo/", "x_url": " https://twitter.com/ivantorroledo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fee2f4426fdaf76ee2d682821f1f16ed2d2e6821.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 68339, "title": "Littio 🚀 Dollar banking for Latin America", "tagline": "Meet Littio - the dollar account for people in Latin America", "body": "### **Hello there!**\n\nThis is Luis, Camilo, Chris and Ivan from Colombia 🇨🇴. We are happy to share that Littio is live!\\\n\\\n🚀 [Littio](https://www.littio.co/) is a **dollar bank** tailored made for people in Latin America to fight devaluation. \n\n**Why we started this**\n\n300 million people in Latin America have no way of accessing basic financial services in U.S. dollars. We are financially cut off from the world. Access to dollar financial products is limited to the richest 1% and only them can effectively protect their money from hyper-devaluation. \n\n![uploaded image](/media/?type=post&id=68339&key=user_uploads/201195/800b4078-18be-4a6b-83ec-f9be1565d897)\n\nHaving lived this problem first hand for years, we want to fundamentally change the dynamics. People should have access to global financial services in dollars via technology.\n\n**Our Solution**\n\nA dollar bank account that works from an app on any smartphone. With Littio people can:\n\n* Open a free dollar bank account in less than 3 minutes 💵\n* Get a Mastercard debit card 💳 \n* Send and receive dollar payments 💸 \n\n![uploaded image](/media/?type=post&id=68339&key=user_uploads/201195/c35b782a-cc5a-4ba7-a846-590944c5539d)\n\nWe use USDC and traditional payment railways to power up this solution in a simple and easy experience for users.\n\n**Finally,** \n\nIf you live in Colombia 🇨🇴 and want a dollar account, download our app at [Apple](https://littio.sng.link/D89hr/y9ggo?_smtype=3) or [Google](https://littio.sng.link/D89hr/y9ggo?_smtype=3).\n\nIf you live in any other country in LatAm, send us an email at [founders@littio.co](mailto:founders@littio.co) and we can set you up.", "url": "https://www.ycombinator.com/launches/HmF-littio-dollar-banking-for-latin-america", "votes": 32, "created_at": "2023-01-11T03:36:45.384Z" } ] }, { "id": 28382, "name": "Theya", "slug": "theya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.png", "website": "https://www.theya.us/", "all_locations": "San Francisco, CA, USA", "long_description": "Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\r\n\r\nWe aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "one_liner": "The world's simplest Bitcoin self-custody solution", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678296107, "tags": [ "Fintech", "Crypto / Web3", "Consumer", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Multi-sig, self-custodial Bitcoin private banking" } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/theya", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/theya.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/theya-us", "x_url": "https://twitter.com/theya_inc", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.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": 1000007, "full_name": "Vikas Choudhary", "title": "Founder", "founder_bio": "Co-founder/CTO at Theya - building a self-custodial bitcoin private bank. Previously co-founder/CTO at Porter (marketplace for trucking - >$230M revenue; backed by Sequoia Capital, Tiger Global)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/vikasch90/", "x_url": "https://twitter.com/vikasch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dce5903794c3ee0cd29c4c687022b696126ebcb0.jpg" }, { "user_id": 1235724, "full_name": "Smeet Bhatt", "title": "Founder", "founder_bio": "Smeet has background as a tech entrepreneur and investor. Previously, he led marketing and GTM at a YC S18 enterprise software company, Prodigal (Sr A: Accel, Menlo, YC). Smeet was also an investor with IDG Ventures and co-founded Chymera (mobile VR ad-network).\n\nSmeet studied Civil Engineering and Physics at IIT Bombay and has experience trading global macro (equities, bonds, FX, commodities) and growth tech investing for over 8 years. He also believes that Bitcoin is not a choice.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/smeetbhatt/", "x_url": "https://twitter.com/smeet_bhatt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/42a4aa089e96d1507f1490f9f8430902e7d5ea68.jpg" }, { "user_id": 271471, "full_name": "Sriram Bhargav Karnati", "title": "Founder/CTO", "founder_bio": "Previously co-founder / CTO @ Theya (W23). Now I do AI stuff @ Fireworks AI", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/srirambhargav", "x_url": "https://twitter.com/_sriramk_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b35f5724779bab859262ab6ef7ae0ba549453032.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 89374, "title": "Theya for Business – The Bitcoin Operating System for Organizations", "tagline": "Secure, scalable bitcoin management for treasury, payments, and team operations", "body": "**tl;dr:** We built Theya for Business so any organization using Bitcoin—whether you're 2 or 2,000 people—can securely manage bitcoin across teams, departments, and entities without relying on custodians.\\\n\\\nManage Bitcoin, create collaborative vaults, make payments, assign access roles, track transactions, and streamline reconciliation—all from one clean dashboard.\n\n![uploaded image](/media/?type=post&id=89374&key=user_uploads/271471/b652e58d-6a72-4b48-aeb6-e0f3d518422c)\n\n**No custodians. No hardware required. No technical experience needed.**\n\n\n\n---\n\n### Why This Matters\n\nManaging bitcoin in a team setting is hard:\n\n* Single-key wallets = single points of failure\n* Custodians = counterparty risk\n* DIY multisig = technical, fragmented, and hard to scale\n\nWe’ve seen finance and ops teams struggle to manage holdings, delegate access, and reconcile activity—securely and collaboratively.\\\n**Theya for Business solves this with a purpose-built, modular platform that scales with your org.**\n\n---\n\n### What You Can Do with Theya\n\n✅ **Collaborative Vaults**\\\n2-of-3 multisig setup—distribute keys and approve transactions across your team.\n\n✅ **Scalable Infrastructure**\\\nCreate vaults for departments, partners, or individual employees—all under one roof.\n\n✅ **Effortless Access Control**\\\nAssign signer roles, onboard your finance team, and rotate access without any engineering overhead.\n\n✅ **Transaction Visibility & Reconciliation**\\\nTrack balances, activity, and approvals from a single dashboard—ideal for ops, accounting, and compliance.\n\n✅ **Modular Setup**\\\nUse single-key for payments, multisig for core holdings. Theya supports both.\n\n---\n\n### Who It’s For\n\n* Bitcoin-native companies\n* Funds, family offices, and exchanges\n* Any organization managing bitcoin across teams, wallets, or jurisdictions\n\n---\n\n### What’s Next\n\n* Built-in bitcoin purchases\n* Automated payroll & bonuses in BTC\n* Credit lines against your bitcoin\n* Advanced finance & compliance dashboards\n\n---\n\n### Why Now\n\nBitcoin is gaining traction with organizations, but the infrastructure hasn’t kept up. Most custody options are built for individuals or require trust in third parties.\n\n**Theya offers a new model: collaborative, self-custodial, and built for scale.**\n\n---\n\n### Try It Today\n\nTheya for Business is live and available globally — [business.theya.us](https://business.theya.us)", "url": "https://www.ycombinator.com/launches/NFW-theya-for-business-the-bitcoin-operating-system-for-organizations", "votes": 12, "created_at": "2025-04-10T13:39:56.679Z" }, { "id": 70576, "title": "Theya: World's simplest Bitcoin multi-sig, self-custody app", "tagline": "We are building the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "body": "### **Tl:dr**\n\nTheya is the world’s simplest Bitcoin self-custody app for whole-coiners (users with >1BTC) who find crypto exchanges risky and hardware wallets overwhelming. We simplify the self-custody UX through our multi-device, multi-sig wallet that users can set up using smartphones, giving you the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\n\n### **Team**\n\nVikas, Sriram and Smeet have extensive background in founding and scaling tech companies and crypto platforms over the past 10 years. Founders have been friends for over 15 years.\n\n![uploaded image](/media/?type=post&id=70576&key=user_uploads/1235724/1abfbd7f-b023-47b1-8c54-ddf9bd32371f)\n\nVikas was previously the co-founder and CTO of Porter, India’s largest intra-city logistics marketplace that does over $220M in annual revenue. He raised over $150M from Sequoia Capital and Tiger Global during his 7 years at Porter. While studying at Stanford, Vikas founded an ML-driven real estate fund that has invested over $30M.\n\nSriram has led crypto engineering teams at Robinhood, FalconX and GameStop Blockchain. He built crypto custody infra and led the development of self-custody wallets for Robinhood and GameStop. He started his career at Google and has over 10 years of experience building consumer apps. Sriram graduated with Bachelors in Computer Science from IIT Bombay.\n\nSmeet has led marketing and go-to-market teams at multiple early-stage startups. Prior to Theya, he was the first business hire at Prodigal (YC S18). He started his career at Deutsche Bank and has 8+ years of experience trading macro assets like FX, Bonds, Equities and believes that long Bitcoin is the most important trade of the 2020s.\n\n### **Problem:**\n\nThe protection of your wealth and trust is paramount, which is why we exist. The reality is that centralized crypto platforms like FTX, Celsius, and Voyager have failed to ensure the safety of their users' Bitcoin. More recently, there are renewed concerns about Binance.\n\nAs the saying goes, **\"not your keys, not your Bitcoin\"** and this is more true now than ever before. Every user who stores Bitcoin on popular crypto exchanges faces severe counterparty risks, including:\n\n**Credit Risk:** If your crypto exchange was to go bankrupt (like FTX) or suffer a catastrophic event, your Bitcoin stored there is certainly at risk.\n\n**Regulatory Risk:** Any change in laws or regulations, crypto exchanges may be forced to freeze or confiscate your Bitcoin.\n\n**Cybersecurity Risk:** While centralized exchanges invest in security measures, they are prime targets for cyber attacks. Successful hackers can steal users’ Bitcoin from hot wallets.\n\nSelf-custody hardware wallets are a solution, but they come with their own set of challenges. They have a messy user experience, and users are responsible for managing their own setup, security, and backup keys. Furthermore, they represent a single point of failure. These risks make it crucial to prioritize the protection of your Bitcoin, and we are here to help you do just that.\n\n### **Solution:**\n\nOur multisig wallet is like a digital safe where you need multiple keys to unlock it. For example, our 2-of-3 multi-sig wallet requires two out of three keys to approve a transaction before the Bitcoin can be spent.\n\nCustomers will always hold the two keys necessary to approve transactions. Theya holds the third key that can only be used for recovery if you misplace one of your keys, but it can never be used to transfer funds on its own.\n\nTheya is simplifying the self-custody experience through a mobile-first multisig wallet that families can set up using iPhones and Apple Watches. We also support other devices such as NFC cards, hardware wallets, and more that can be used as your additional keys if desired. We make your Bitcoin resilient to phishing and hacking and you retain control of your Bitcoin wealth even if we fail without notice.\n\n### **Ask**\n\n1. If you currently hold Bitcoin on centralized exchanges like Coinbase, Binance, Robinhood, Kraken, Gemini etc. you should definitely consider taking self-custody. Hit us up for a free trial to the simplest Bitcoin self-custody app ever.\n2. Reach out if you are curious to learn about Theya, Bitcoin and the ongoing global banking crisis, feel free to reach out.", "url": "https://www.ycombinator.com/launches/IMK-theya-world-s-simplest-bitcoin-multi-sig-self-custody-app", "votes": 46, "created_at": "2023-03-28T03:24:42.591Z" } ] }, { "id": 29002, "name": "Envelope", "slug": "envelope", "former_names": [ "Envelope Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2e740f2179bdee63c6c4fcdf1727acdeb9510d9.png", "website": "https://envelopebudgeting.com/", "all_locations": "Phoenix, AZ, USA", "long_description": "Envelope is a budgeting app with built-in checking and debit cards. It helps people organize real money into digital envelopes, plan ahead for bills and everyday spending, and control spending before it happens, instead of only tracking transactions after the money is gone.", "one_liner": "Budgeting app with built-in banking", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1691448232, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/envelope", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/envelope.json", "year_founded": 2022, "city": "Phoenix", "country": "US", "linkedin_url": "https://www.linkedin.com/company/envelope-money/", "x_url": "https://twitter.com/envelopemoney", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2e740f2179bdee63c6c4fcdf1727acdeb9510d9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fbeaf68f314a220a06e0e4d319dc7b8e7fd6bae4.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 900173, "full_name": "Katelyn Strobel", "title": "Founder", "founder_bio": "Cofounder/CEO at Envelope. I love money and helping people keep more of it. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/katelynstrobel", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bd8b9dd81e7dbf7aa64f0398d989656613c8f8e3.jpg" }, { "user_id": 226037, "full_name": "Josh Strobel", "title": "Founder", "founder_bio": "Technical cofounder & CTO at Envelope, an iOS budgeting app with built-in checking accounts and debit cards for individuals and families. Previously worked on the Robinhood and Twitter iOS apps.\n\nOther places I've been\n- Tesla (shop.tesla.com)\n- Microsoft (Edge Browser & Windows Server)\n- Adobe (Adobe Analytics)", "is_active": true, "linkedin_url": "https://linkedin.com/in/joshuakcockrell", "x_url": "https://twitter.com/joshuakcockrell", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cc0a244447fec1067e4ddfa275afca5536efd587.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 73974, "title": "Envelope ✉️ Budgeting app with built-in banking", "tagline": "A budgeting app with a built-in checking account and debit cards, so your money stays organized and managing your finances feels effortless.", "body": "**TLDR** We're a consumer budgeting app with built-in banking.\n\n**PROBLEM**\n\nSaving, investing, and meeting wealth milestones are critical for good financial health, but are often boring or stress-inducing. It doesn’t pack the same dopamine punch as 2% cash back. This leaves us with a gaping disparity between the average total consumer debt of $101,915 and the 63 percent of Americans who don't have enough saved to cover a $500 financial setback.\n\nWe— [**@Josh Cockrell Strobel**](https://www.linkedin.com/in/joshuakcockrell/) and [**@Katelyn Strobel**](https://www.linkedin.com/in/katelynstrobel/)— run a 75K+ subscriber YouTube channel, and have vlogged our personal finance journey as a couple in Silicon Valley. We were constantly getting asked which tools we recommended for managing our finances. At that point, we had tried everything and were frustrated with the existing solutions. We had nothing we could confidently recommend.\n\nSo, we decided to use our backgrounds in consumer fintech (Katelyn worked on marketing projects for Apple Card, Acorns, and Digit, and Josh worked as a programmer on the Robinhood & Twitter iOS apps) to create our personal finance platform.\n\n![uploaded image](/media/?type=post&id=73974&key=user_uploads/226037/e515a2c0-56a8-4a59-ac75-cb2df7c7818f)\n\n**SOLUTION**\n\n**We make good financial behavior fun, measurable, and addicting.**\n\nThrough our banking partners\\*, our app employs an FDIC-insured checking account and Visa card to serve as the central hub of your finances, and our budgeting features and analytics enhance the experience by aligning you with your dream financial life. We facilitate all of this through a digital “cash” envelopes system, custom goals, and tailored analytics.\n\n![uploaded image](/media/?type=post&id=73974&key=user_uploads/900173/a155aa83-8955-4649-85da-64ecf0cf22a3)\n\n**ASKS**\n\n* **Download our iOS and Android apps** at \n* **Leave us a ⭐⭐⭐⭐⭐ review** on the App Store and Play Store.\n* **Share this post!**\n\n\\*Banking services provided by Envelope’s partner banks, Members FDIC. Card Services are issued by Envelope’s partner banks, pursuant to a license from Visa.", "url": "https://www.ycombinator.com/launches/JF8-envelope-budgeting-app-with-built-in-banking", "votes": 107, "created_at": "2023-08-09T20:48:14.629Z" } ] }, { "id": 29465, "name": "Polar", "slug": "polar", "former_names": [ "Aria", "GoldenBasis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ca9f40a361ea65885c3e75244352a9f9f8a46.png", "website": "https://www.polarfi.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Polar helps remote workers, freelancers, and online sellers outside the U.S. who get paid in dollars get better exchange rates when moving earnings to their local bank. We give them a U.S. dollar account in their name to receive USD earnings and let them withdraw through local bank transfers or stablecoins instead of the expensive options they use today.", "one_liner": "The smarter way to manage USD earnings globally", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1708655609, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Remittances", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/polar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/polar.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/polarfihq", "x_url": "https://twitter.com/polarfihq", "fb_url": "https://www.facebook.com/profile.php?id=61586231414913", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ca9f40a361ea65885c3e75244352a9f9f8a46.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": 714908, "full_name": "Grant Ackerman", "title": "Founder/CEO", "founder_bio": "Grant is the co-founder & CEO of Polar. Grant previously led Altruist's integration of SSG, which Altruist acquired to become the third-largest custodian by number of RIAs behind Schwab and Fidelity. Before that, Grant helped grow Princeton’s endowment from $26.1 billion to $37.7 billion as a member of the 20-person investment staff. Grant graduated from Princeton, where he studied Economics, Computer Science, and Finance.", "is_active": true, "linkedin_url": "https://linkedin.com/in/grant-a-391184a5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fabf18070205e7fed9e6ca2840ea77041aff3025.jpg" }, { "user_id": 1691392, "full_name": "Andrew Wang", "title": "Founder/CTO", "founder_bio": "Andrew is the co-founder & CTO of Polar. Before that, he worked in quant research and software engineering at Citadel and Bridgewater. Andrew graduated from Princeton, where he majored in Operations Research & Financial Engineering (ORFE).", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/55ac011d48301889055ce43c035b0cd0f97bac24.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78734, "title": "GoldenBasis - Modern back-office software for brokerages", "tagline": "Revamping the brokerage operations tech stack, starting with account transfers", "body": "### **TLDR;**\n\n[GoldenBasis](https://www.goldenbasis.com) makes it easy for brokerages (think Schwab or Fidelity) to run their back office with modern software, and we’re starting with investment account transfers. For example, when you want to transfer your stocks from Schwab to Fidelity, GoldenBasis would let Fidelity gather your transfer information, track the status of your transfer, and automatically update their internal records.\n\n### **Ask**\n\nIf you or someone you know is leading a brokerage operations team and wants to improve their account transfer process, please reach out at [founders@goldenbasis.com](mailto:founders@goldenbasis.com)!\n\n### **A quick primer on account transfers**\n\n* Account transfers exist so you can move to a new brokerage without selling your positions, which could incur taxes.\n* Incoming account transfers are a primary source of growth for brokerages.\n* Over $90 billion of assets are transferred every month in the US. Surprisingly, 18% of these transfers are delayed, often for several weeks \\[1\\].\n\n**How the process works**\n\nLet’s say you want to transfer your assets from Schwab to Fidelity. The following needs to happen:\n\n* You fill out an account transfer form at Fidelity.\n* Fidelity sends this information to Schwab.\n* Schwab tells Fidelity what assets are in your account.\n* Fidelity makes sure they can hold these assets.\n* Your assets move to Fidelity a few days later.\n\nThis back-and-forth process is part of a standard protocol called ACATS, and it lets brokerages transfer assets to each other electronically \\[2\\]. The process above sounds straightforward, but there are hundreds of edge cases detailed in manuals that total over 1000 pages.\n\n### **Problem**\n\nTransfers are supposed to take 3-4 days but often take weeks. During the transfer:\n\n* You can’t trade your assets.\n* To find out the status of your transfer, you need to contact customer support.\n* The brokerage receiving your assets is missing out on revenue.\n* The brokerage delivering your assets gets in trouble with the regulators if they don’t go quickly enough.\n\nWhy are delays so common? It’s because there are multiple rounds of manual data entry and any small mistake (e.g. missing comma) can delay the transfer. Furthermore, the operations team has to resolve issues on outdated platforms that are hard to use.\n\nHere’s a taste of the experience today:\n\n* You begin the transfer by filling out a daunting form.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/c77b27cb-a621-4364-a3dc-4f2f371897b0)\n\n* The brokerage operations team re-enters your form and handles issues in a back-office system.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/9a53a162-695a-40b4-a41a-a7cc1cb1834d)\n\n\n### **Solution**\n\nGoldenBasis provides a modern software stack that solves these issues:\n\n* With GoldenBasis, you don’t need to fill out any forms. Just upload your account statement from the brokerage you want to leave, and our AI extracts and validates the fields, which vastly reduces errors.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/1966b057-cc89-42ab-b4ce-acc20f50d53a)\n\n* GoldenBasis lets you easily track the status of your transfer so you know what’s going on without having to contact support.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/984e522f-5537-4876-b8d3-748ca0971ed5)\n\n* GoldenBasis provides modern GUIs for the operations team to handle issues.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/234c33e9-a876-4aba-9080-30c7d741a042)\n\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/9c49f965-4e87-4d7e-86ec-eb85ead3e823)\n\n[Grant](https://linkedin.com/in/grant-a-391184a5) (CEO) met [Andrew](https://linkedin.com/in/andrew-wang-0b5526109) (CTO) in college at Princeton, where they became best friends. In fact, Andrew was the best man at Grant’s wedding. They teamed up to take on their biggest adventure yet: building a startup and reading a couple thousand pages of manuals along the way.\n\nBefore GoldenBasis, Grant worked at Altruist, where he discovered the outdated technology that was causing so much pain for brokerage back offices. He also led Altruist’s integration of SSG post-acquisition, which made Altruist the third-largest custodian for financial advisors, behind Charles Schwab and Fidelity. Before that, Grant helped grow Princeton’s endowment from $26.1 billion to $37.7 billion as a member of the 20-person investment staff.\n\nBefore GoldenBasis, Andrew did quant research and software engineering at Citadel, where he built trading systems that process billions of dollars per day. Before that, he worked at Bridgewater, where he wrote software to model global economies and trade fixed-income securities. Andrew loved the prospect of bringing legacy systems to the modern age, especially the back office since it’s so often neglected.\n\n\\[1\\] \n\n\\[2\\] ", "url": "https://www.ycombinator.com/launches/KTu-goldenbasis-modern-back-office-software-for-brokerages", "votes": 19, "created_at": "2024-02-26T04:35:58.966Z" } ] }, { "id": 30106, "name": "Sunset", "slug": "sunset", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "website": "https://www.hellosunset.com/", "all_locations": "Salt Lake City, UT, USA", "long_description": "Sunset can track down bank accounts, retirement accounts, investment accounts, property and more for families after losing a loved one. Sunset will close those accounts and move the money into a Sunset estate account to manage.", "one_liner": "Find and move money after a death", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1729742505, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/sunset", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/sunset.json", "year_founded": 2024, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/sunset-estate-app/", "x_url": "https://x.com/SunsetEstateApp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1848297, "full_name": "Stephen Walter", "title": "Founder/CEO", "founder_bio": "https://www.sunsetapp.com/", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stephen-walter-sunset/", "x_url": "https://x.com/stephen_walter", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0a1612b72b6066143fc44ab550dc03519c0e449b.jpg" }, { "user_id": 1850513, "full_name": "Kaela Worthen", "title": "Founder/CTO", "founder_bio": "Cofounder of Sunset, finding and moving funds after you lose a loved one. Previously cofounded Paintbrush, Imzy, worked at Podium, Reddit. Mostly a product person with some engineering, UX, data science, and a bit everything else mixed in.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kaelaworthen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/59b0156bffb01d6e066e1162d6b521a7f3074019.jpg" } ], "jobs": [], "news": [ { "title": "The families you serve may not know of existing life insurance policies — Sunset can help | Funeral Director Daily", "url": "https://funeraldirectordaily.com/the-families-you-serve-may-not-know-of-exiting-life-insurance-policies-sunset-can-help/", "date": "Jul 14, 2026" }, { "title": "Most banks fail miserably at helping grieving families make this vital financial move", "url": "https://www.marketwatch.com/story/most-banks-fail-miserably-at-helping-grieving-families-make-this-vital-financial-move-66831e97?mod=beth-pinsker", "date": "Feb 26, 2026" } ], "launches": [ { "id": 85226, "title": "Sunset - Find and Secure Money After a Death", "tagline": "Use Sunset to fund a retirement account after losing a loved one.", "body": "Finding and closing the accounts of a loved one can take months—often years—and hundreds of hours of work. Most people have to do that while grieving, but now Sunset does it for you.\\\n\\\n[https://youtu.be/LiYhdOZJyMY](https://youtu.be/LiYhdOZJyMY%EF%BF%BC%EF%BF%BCWe)\n\nWe launched a beta version a few months ago and are now releasing our web app and a huge new feature set of account discovery, including:\\\n\\\n-**Bank Accounts:** Checking, savings, CDs, etc.\n\n\\-**Retirement Accounts:** 401k, IRA, annuity, etc.\n\n\\-**Debts:** Mortgage, personal loans, credit cards, etc.\n\n\\-**Real Estate & Vehicles:** Personal and investment\n\n\\-**Investment Accounts:** Mutual funds, index funds, stocks, bonds, etc.\n\n\\-**And More:** Life insurance, unclaimed property, business ownership, HSA accounts, etc.\n\n**How does it work?**\n\nWe search public and private databases, including financial reporting from banks, investment funds, the IRS, and more. Once we’ve confirmed a match with the deceased, we automate the closure and move the funds into a retirement account for our customers.\n\n**How do we charge?**\n\nSunset is free to use for our customers. We earn interest on the deposits while they sit with us, so we make some money in the process. We felt this model aligned our incentives with the customer: _be fast and get all of it_.\n\n**Personal Experience**\n\nAfter my father-in-law passed away, the family asked me to take over the financial closure process. So, I’ve personally been through this the hard way. If I can help anyone, my inbox is open: [support@sunsetapp.com](mailto:support@sunsetapp.com).\n\n**Get Started**\n\nIf you’ve lost a loved one, or know someone who could use our services, you can visit our site at .\n\n![uploaded image](/media/?type=post&id=85226&key=user_uploads/89898/153720cb-4b6b-4a0e-9348-2e85b9b8effe)\n\n", "url": "https://www.ycombinator.com/launches/MAc-sunset-find-and-secure-money-after-a-death", "votes": 105, "created_at": "2024-11-01T18:55:30.033Z" } ] }, { "id": 30192, "name": "Axiom", "slug": "axiom", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.png", "website": "https://axiom.trade", "all_locations": "Austin, TX, USA", "long_description": "Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.", "one_liner": "Trade memecoins, perpetuals, and earn yield.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1738295687, "tags": [ "Fintech", "Crypto / Web3", "Consumer Finance", "Trading" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/axiom", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/axiom.json", "year_founded": 2024, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/joinaxiom", "x_url": "https://x.com/AxiomExchange", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.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": 1601203, "full_name": "Henry Zhang", "title": "Founder/CEO", "founder_bio": "CEO @ Axiom. Graduated at 20 with 1 exit, excited by all things crypto!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henryzhang03/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8cacbcaaaf2e54c4c8ecf9c465eb51f714a64c67.jpg" }, { "user_id": 1550170, "full_name": "Preston Ellis", "title": "Founder/CTO", "founder_bio": "Building consumer applications in crypto!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/preellis/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9008051d00c3cdb6f20467bede25a190f103a1cd.jpg" } ], "jobs": [ { "id": 73476, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/PYj0leR-founding-engineer", "location": "Austin, TX, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $500K", "equity_range": "0.50% - 1.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Node.js", "PostgreSQL", "Rust", "TypeScript", "Distributed Systems", "Blockchain", "Next.js" ] }, { "id": 104822, "title": "Rust Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/NMcjyK7-rust-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104823, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/LhoB2Q3-full-stack-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104824, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/lm7xFvA-backend-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104825, "title": "Frontend Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/GNTewkz-frontend-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104826, "title": "Systems Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/fZ9O8AX-systems-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 87688, "title": "Axiom - The Gateway to DeFi", "tagline": "Trade any asset on any chain, all under 1 account.", "body": "**TL;DR:** Axiom is building the first platform that lets anyone trade anything in DeFi.\n\n**The Problem:**\n\n* People in crypto focus too much on the tech rather than the user experience.\n* There are too many protocols and chains.\n* For every new chain and asset, you need to sign up and manage a different account/app.\n\n**The Solution:**\n\nAxiom is building the first app that lets you trade any asset on any chain, with all the technicalities abstracted away. No longer do you have to bridge, swap, manage all your assets through 5 different apps.\n\n\n\n**Our Ask**\n\nIf you know any crypto influencers, KOLs, high volume traders, please connect us! Can DM @Mist_Axiom on Telegram.\n\n**The Team**\n\n[Henry](https://www.linkedin.com/in/henryzhang03/) - Previously worked at TikTok building generative AI for ads. Graduated in 2 years while building 2 startups full-time with 1 exit.\n\n[Preston](https://www.linkedin.com/in/preellis/) - Previously interned at Doordash, studying EECS at UC Berkeley. Had 1 exit in undergrad.", "url": "https://www.ycombinator.com/launches/MoK-axiom-the-gateway-to-defi", "votes": 43, "created_at": "2025-02-14T01:49:59.488Z" } ] }, { "id": 30200, "name": "Karoo", "slug": "karoo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0325dd0445e6e32c47cab4c3ffeb0610307557e0.png", "website": "https://www.karoo.ca", "all_locations": "Toronto, ON, Canada", "long_description": "US consumers within the risk appetite of prime lenders are served by the most competitive and efficient consumer lending marketplace globally. However, once you fall outside of this as a borrower, market efficiency breaks down and incumbents take advantage of low levels of competition to price gouge. We're fixing this.", "one_liner": "AI native consumer lending platform for underserved Americans", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1736890224, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Canada", "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/karoo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/karoo.json", "year_founded": 2024, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/karoo-ca/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/karoo-ca", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0325dd0445e6e32c47cab4c3ffeb0610307557e0.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": 1867063, "full_name": "Jeanot Dawson", "title": "Founder/CEO", "founder_bio": "CEO of Karoo, previously Head of US Loans at Lendable", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeanot-dawson-67191b17?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7105ad5f6d69fbd05caa6ba2e41204a228c1c84e.jpg" }, { "user_id": 2202197, "full_name": "Hugo Markland", "title": "Founder", "founder_bio": "Chief Capital Officer of Karoo\nEarly stage employee at Lendable and led UK capital markets - raised bns of funding ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hugo-markland-cfa-712409125/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa75d2bbbc010012b81bf99996a9b01aeba00ca8.jpg" }, { "user_id": 1876466, "full_name": "Oliver Lambson", "title": "Founder/CTO", "founder_bio": "CTO of Karoo. 0 lines of code to first loan in 45 days.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oliverlambson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b959c901b74523ac18f1436688834a1709ca2e32.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 30426, "name": "Ralo", "slug": "ralo", "former_names": [ "Approval AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd1079ebae09b6f3c1cfa789bc4e9fa9c80c8537.png", "website": "https://www.ralo.com/", "all_locations": "New York City, NY, USA", "long_description": "Ralo is the first AI-native mortgage broker. We use AI to remove layers of overhead and pass the savings back to borrowers. Our customers get rates more than half a point below the national average, save tens of thousands of dollars over the life of their loan. ", "one_liner": "AI-Native Mortgage Broker", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1744861920, "tags": [ "Fintech", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/ralo", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/ralo.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ralohq/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd1079ebae09b6f3c1cfa789bc4e9fa9c80c8537.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": 630851, "full_name": "Arjun Lalwani", "title": "Founder/CEO", "founder_bio": "Arjun is the co-founder & CEO of Ralo, building AI tools he wish existed after his painful home-buying journey. Prior to founding the company, he was a Product Manager at Google (APM '20), where he worked on high-impact consumer products. He scaled Google Hotels and launched a new business within YouTube Shopping, growing it from $0 to $XXX million in GMV. Arjun holds a degree in Computer Science from the University of Washington. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/arjun-lalwani", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/332f3ce3d493624713bbd5a9193cefa4ed7d2b7b.jpg" }, { "user_id": 2543223, "full_name": "Helly Shah", "title": "Founder/CTO", "founder_bio": "Helly Shah is the co-founder & CTO of Ralo, where she’s building the mortgage platform every homebuyer deserves. At Google Maps, she led the design and launch of features that enhanced lane guidance & geopolitical accuracy for over a billion users. Before that, she built real-time rates trading systems at Goldman Sachs, shaping how markets move.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hellyshah", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4259000eea5a64491bf6709dd4edf4016853bc6.jpg" } ], "jobs": [ { "id": 96990, "title": "Loan Officer Engineer", "url": "https://www.ycombinator.com/companies/ralo/jobs/UXfOgU1-loan-officer-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 90291, "title": "Ralo - Find Your Best Mortgage Deal 🏡", "tagline": "America’s first mortgage platform built to help homebuyers save time, money, and stress.", "body": "Hey everyone, we’re [Arjun](https://www.linkedin.com/in/arjun-lalwani/) & [Helly](https://www.linkedin.com/in/hellyshah/), co-founders of Ralo. 👋\n\n**TL;DR**\\\n[Ralo](https://ralo.com/) **is America’s first mortgage platform built to help homebuyers save time, money, and stress.** We automate the hardest parts of getting a mortgage so buyers can lock in the lowest rates with the least hassle.\n\n# **The Mortgage Problem**\n\nA huge number of buyers still do not shop their mortgage, even though doing so can save serious money. The main reason is not laziness. The process is overwhelming.\\\n**High friction** \\\nComparing lenders usually means re-entering the same information, re-uploading the same documents, and navigating multiple portals with different requirements and timelines.\n\n**Lack of know-how** \\\nMost people do not know what they can negotiate or how to compare offers. Terms like points, credits, and relationship pricing add confusion. Switching later can feel risky if it might slow down or jeopardize the deal.\n\n**Spam overload** \\\nTrying to shop for a mortgage can quickly turn into a flood of calls and emails.\n\n# **What Ralo Does**\n\nRalo reimagines how mortgages work.\n\n**One form. One Workflow.** \\\nYou fill out one application. We keep everything organized and guide you from pre-approval through closing.\n\n**Lowest Rates From the Start** \\\nYes, we can negotiate. More importantly, we streamline the process and remove middlemen so buyers can access great rates with low fees upfront, without endless back-and-forth.\n\n**Zero Spam**\\\nWe protect buyer data and only share what is necessary, so getting a mortgage does not become an inbox nightmare.\n\n**Proof in the Rates**\\\nWe publish our rates here: [ralo.com/rates](https://ralo.com/rates). On average, Ralo’s rates are about 0.50 percent to 0.75 percent below the market average, often with lower fees too\n\n# **Our Ask**\n\nKnow someone buying a home? Send them to [ralo.com](https://ralo.com). It could help them save thousands.\n\nKnow any real estate agents or lenders? We're also looking to connect with real estate agents and loan officers who would be open to sharing feedback. 📩 Connect us at [**founders@ralo.com**](mailto:founders@ralo.com)\n\nWant to support? A follow or shoutout on [LinkedIn](https://www.linkedin.com/company/approval-ai/) means the world.\n\nThanks so much for your support. It makes a big difference to us!\n\n# **The Team**\n\nRalo was founded by ex-Google and first time homebuyers in different cities who bonded over how confusing, expensive, and frustrating getting a mortgage was.\n\n[Arjun](https://www.linkedin.com/in/arjun-lalwani/) (CEO) — previously worked as a Product Manager at Google (APM '20), where he led high-impact consumer products. He scaled Google Hotels and launched a new business within YouTube Shopping, growing it from $0 to $XXX million in GMV.  Arjun holds a degree in Computer Science from the University of Washington.\n\n[Helly](https://www.linkedin.com/in/hellyshah/) (CTO) — previously worked on Google Maps, leading features that improved lane guidance & geopolitical accuracy for 1B+ users. Before that, she built real-time rates trading systems at Goldman Sachs, shaping how markets move. She grew up in a family of real estate developers across India and the US, giving her a front-row seat to the industry’s inner workings. Helly also holds a degree in Computer Science from the University of Washington.", "url": "https://www.ycombinator.com/launches/NUJ-ralo-find-your-best-mortgage-deal", "votes": 1251, "created_at": "2025-05-12T15:14:18.908Z" } ] }, { "id": 30614, "name": "Astor", "slug": "astor", "former_names": [ "Gaus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84b5fdcf24f0c61830898968d03a605cac559df3.png", "website": "https://astor.app/", "all_locations": "San Francisco, CA, USA", "long_description": "Astor is an AI investment advisor for retail investors.\r\n\r\nFounded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Astor gives every active investor an AI investment advisor working around the clock to surface their next great investment. We’re backed by YC (S25).\r\n\r\nRetail investors now account for 25% of all U.S. trading volume, nearly double from 2012. But over 56% still say they don’t feel confident in their investment decisions. Astor fixes that. \r\n\r\nOur AI agents uncover opportunities, decode emerging trends, and deliver analysis tailored to you. Instead of drowning in noise, investors gain a clear edge, shifting from guesswork to confident decision-making.\r\n", "one_liner": "AI advisor for retail investors", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1754607917, "tags": [ "Fintech", "Investing", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/astor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/astor.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/joinastor", "x_url": "https://x.com/astorinvest", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/84b5fdcf24f0c61830898968d03a605cac559df3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/150e7ffbd9ab2be75a8daea990170160405e4ad3.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0d3dadef50cb4397718eeca822272598034bc58f.png" ], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1775091, "full_name": "Bruno Koba", "title": "Founder/CEO", "founder_bio": "CEO @ Astor. Building an AI advisor for retail investors. Stanford GSB and ex-Nubank, monashees.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bruno-koba/", "x_url": "https://x.com/brunokoba_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d81aade2268f281538a7e6164958b37bf3fa7c1c.jpg" }, { "user_id": 2562089, "full_name": "Daniel Tulha Hochstetler", "title": "Founder/CTO", "founder_bio": "CTO @ Astor, building an AI advisor for retail investors. Previously at Stripe, Robinhood & Amazon.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-hochstetler", "x_url": "https://x.com/tulha_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/508f491fb354d0660e317d62cfa24242f1b88e17.jpg" } ], "jobs": [], "news": [ { "title": "Astor raises $5 million seed round for its AI-based financial advisory service | Fortune", "url": "https://fortune.com/2026/04/23/jjjj/", "date": "Apr 23, 2026" } ], "launches": [ { "id": 92883, "title": "Astor: Your Personal AI Investment Analyst", "tagline": "Astor supercharges research for individual investors", "body": "Hey 👋, we’re Bruno and Daniel, the founders of Astor.\n\n**TL;DR:**\n\nAstor is your personal AI investment analyst. It gives you the same market tracking, deep research, and real-time alerts that institutional investors rely on, now built for your portfolio.\n\n**The problem**\n\nRetail investors are fundamentally disadvantaged compared to professionals.\n\nInstitutional investors have teams of analysts tracking markets in real time, digging into data, and flagging opportunities before anyone else. Retail investors, meanwhile, have to piece together brokerages, news sites, and forums.\n\nThese tools haven’t changed in 15 years. In the U.S., 61% of adults — over 160 million people — own stocks, yet more than half say they don’t feel confident in their investment decisions. \n\nWe’re building Astor to level the playing field.\n\n\n\n**How does it work?**\n\nAstor is your personal AI investment analyst. It monitors markets 24/7, filters out noise, and delivers only the insights that matter for your portfolio. That could mean:\n\n* Spot catalysts before they hit the mainstream: e.g., flag unusual insider activity on a stock you own hours before it trends.\n* Deliver deep, tailored research: pull together data, filings, and expert commentary into concise, decision-ready briefs on any company or theme you care about.\n* Test and validate your ideas: run “what if” scenarios and uncover supporting or contradicting market data before you act.\n\nIt’s like having a Wall Street-grade analyst in your pocket — one that never sleeps, never misses a headline, and tailors everything to your holdings.\n\n![uploaded image](/media/?type=post&id=92883&key=user_uploads/1775091/4b7be896-ff26-47c0-834f-664eebfae195)\n\n**Who’s it for?**\n\nAny active investor who wants to move from reactive guesswork to deliberate, confident decision-making. \n\n**Backstory**\n\nWe’re two Brazilian fintech builders from São Paulo.\n\n* Bruno was a data scientist at Nubank, building machine learning models that impacted millions, and later a fintech investor at Monashees.\n* Daniel was a software engineer at Stripe, Robinhood, and Amazon, creating production-ready AI agents and scaling systems during meme stock booms and volatile markets.\n\nWe’ve seen both sides — the institutional edge and the retail struggle — and we’re building Astor to close that gap.\n\n![uploaded image](/media/?type=post&id=92883&key=user_uploads/1775091/e6d09b90-5d81-4a6a-bca0-1a22cc1ed668)\n\n**Ask**\n\nIf you invest, try Astor and tell us what you think. Sign up at[ ](https://joingaus.com)[joinastor.com](http://joingaus.com).\n\nYou can reach us directly at [founders@joingaus.com](mailto:founders@joingaus.com) — we’d love your feedback.\n\nThanks for your support,\n\nBruno + Daniel 📈", "url": "https://www.ycombinator.com/launches/OA7-astor-your-personal-ai-investment-analyst", "votes": 44, "created_at": "2025-08-10T19:24:56.563Z" } ] }, { "id": 30922, "name": "Selfin", "slug": "selfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c62fd75050245643921b794ea15f1786d2ee9033.png", "website": "https://selfin.app", "all_locations": "San Francisco, CA, USA", "long_description": "Bring us risk. We’ll find the market. Institutional liquidity for event-driven exposure across prediction markets.\r\n", "one_liner": "Institutional liquidity across prediction markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1759770880, "tags": [ "Fintech", "Finance", "Investing", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/selfin", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/selfin.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/selfinltd/", "x_url": "https://x.com/Selfin_app_", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/selfin-58f3", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c62fd75050245643921b794ea15f1786d2ee9033.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b6db09708d732386c0e6db60101a970af10ea16c.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1207076, "full_name": "Paula Gutierrez", "title": "Founder/CEO", "founder_bio": "-Aerospace @Imperial, MIT, UC Berkeley\n-Quant @Bank of America, NASA, Rolls Royce, Software engineer startups", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/paula-gutierrez-/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f74ab30ecdd25ba29f791a5ddc2cd8b14079639f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95468, "title": "Selfin: building the first AI Bank 🏦", "tagline": "All in one financial platform where you can connect all your financial products", "body": "Hey everyone! 👋\n\nWe are [Paula](https://www.linkedin.com/in/paula-gutierrez-/) and [Joel](https://www.linkedin.com/in/joel-tomas-pimentel/), co-founders of [Selfin](https://selfin.app).\n\n# **TL;DR**\n\nWe are **building the first AI Bank**. We are starting with an all in one financial platform where you can connect all your financial products: credit, investments, crypto, 401k, savings and get personalised recommendations powered by AI.\n\nhttps://youtu.be/yOUaWeDQfk8\n\n# **The problem ❌**\n\n**Banking is painful.**\n\nYour money is scattered across different apps that don’t talk to each other, leading to bad rates, high fees, and poor financial choices. If you actually want to manage your finances properly, you end up juggling budgeting tools, spreadsheets, and hours of research.\n\n# **The solution ✅**\n\nThat’s why we’re building Selfin. We want to create a banking experience with full context of your personal situation. Our mission is to create personalised financial products and ultimately build the first large AI-native neobank in the US.\n\nWe’re starting with an AI-powered assistant that acts for you, using financial agents to automate everything. And we will incorporate further banking products along the way.\n\n![uploaded image](/media/?type=post&id=95468&key=user_uploads/2892767/e3a9f229-6525-4570-8f67-ecd36ebdf3b8)\n\n# **The team** 🚀\n\nWe met each other while studying at Imperial in the UK, and after moving to the US to finish our master’s thesis at MIT & Stanford, we realised how lagging the US banking experience was compared to other places.\n\nWe couldn't stand the status quo, so we're fixing it.\n\nPaula - Aerospace Eng grad from Imperial & MIT, previously worked at NASA and BofA\n\nJoel - Aerospace Eng grad from Imperial & Stanford, previously worked at BCG\n\n# **Our Ask 💬**\n\n**Get early access and become one of our beta testers** at [www.selfin.app](http://www.selfin.app)\n\nWe are determined to build something people want, so if you want to help us shaping our product with your feedback, join the waitlist and/or contact us:\n\n[admin@selfin.app](mailto:admin@selfin.app)", "url": "https://www.ycombinator.com/launches/Opo-selfin-building-the-first-ai-bank", "votes": 757, "created_at": "2025-11-12T22:01:40.193Z" } ] }, { "id": 30981, "name": "Freeport Markets", "slug": "freeport-markets", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7785e7f2104cbe8c0fd7a9462d42a9b03d5aeb86.png", "website": "https://www.freeportmarkets.com/", "all_locations": "New York City, NY, USA", "long_description": "Freeport is a trading platform for pre-IPO shares, equities, crypto, and perpetual futures. Our AI analysts turn trusted social and financial media into a real-time feed of market-moving news and actionable trade ideas.", "one_liner": "Trade Anything", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1758671175, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Consumer Finance", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Freeport makes social media tradable by turning the sources you trust into actionable trades.\r\n\r\nThe core problem is that the earliest market signals now live in human networks and attention flows, not traditional research pipelines. Edge emerges first in Twitter threads, Reddit communities, and other alternative data. In an attention-driven economy, price moves not just on facts, but on what spreads, who amplifies it, and how quickly a narrative captures mindshare. Retail investors feel this most because they lack terminals, coverage, and the bandwidth to monitor dozens of feeds for breaking news, catalysts, and shifts in positioning.\r\n\r\nFreeport productizes the situational awareness workflow that professionals do manually. We turn your trusted sources into a tradable feed by detecting breaking signals, measuring what is gaining attention, cross-checking across media, mapping second-order impacts to assets, and producing inspectable trade cards with evidence and context. The goal is not more content. It is a continuously updated view of what matters right now and what it implies.\r\n\r\nWe are building this because we have lived the gap between trading with full coverage and trading blind. I traded single stock equity derivatives at three major market makers, where analyst coverage, real time news, and a shared view of catalysts and positioning materially improve decisions. In my personal account outside that coverage, it is easy to miss headlines, attention shifts, or key catalysts until price has already moved, and even strong teams cannot monitor everything. My cofounder is deeply technical with experience at Capital One and Huawei, and we are building Freeport to make that level of speed and situational awareness accessible to everyone.\r\n\r\nOur thesis is simple. As attention becomes a primary market input, the winners will be those with an AI layer that turns trusted information and real-time attention into timely, explainable decisions. Freeport keeps you situationally aware so you are always up to date and never late." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "If we succeed, the world changes in one main way: anyone can turn an opinion into a precise market position as easily as posting a thought online. Today that translation is slow and gated. You need context, instrument selection, sizing, execution, and risk controls across fragmented venues. Institutions win because they have teams and systems that continuously do this work.\r\n\r\nFreeport’s long-term vision is to build the on-chain infrastructure that connects information to execution. We turn continuous information processing from an institutional advantage into shared rails so more people can access sophisticated opportunity sets, move faster from belief to position, and trace exactly why a trade exists back to its source and evidence.\r\n\r\nAt the macro level, this improves market quality. Prices are an information system meant to compress dispersed knowledge into signals that coordinate capital. When interpretation is bottlenecked, price discovery is thin and discontinuous. If we democratize the signal to decision workflow with transparent provenance, price discovery becomes deeper and more continuous as more participants act earlier with context. The result is better prices, better capital allocation, and a market closer to decentralized coordination through dispersed knowledge." } ], "url": "https://www.ycombinator.com/companies/freeport-markets", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/freeport-markets.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/freeportmarkets", "x_url": "https://x.com/freeportmrkts", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/freeport-markets", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7785e7f2104cbe8c0fd7a9462d42a9b03d5aeb86.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": 2929506, "full_name": "Lihong Wang", "title": "Founder/CEO", "founder_bio": "Ex-Jane Street, Ex-IMC Options Trader. Built systematic and discretionary strategies across equities and fixed income.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lihong062/", "x_url": "https://x.com/Lihong062", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb6a0261e02e8f251e33a5b2391318d745c20e50.jpg" }, { "user_id": 2929527, "full_name": "Bryan Reed", "title": "Founder/CTO", "founder_bio": "Founder at Freeport", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryan1738/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/165bc8a2dbcb62023ed24fb72676d4f5c7ff790e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 94762, "title": "Freeport - Intelligent DeFi Investment Platform", "tagline": "Earn yield on crypto and build portfolios with AI + human expertise. 🤖🚀", "body": "Hey YC! 👋\n\nWe’re Lihong & Bryan, former quant trader and developer, and we are building Freeport Markets (https://freeportmarkets.com) to make DeFi investing more accessible for all. \n\n**TL;DR:** Freeport helps you build a **diversified crypto portfolio** across quality assets, and access the most trusted and l**ucrative opportunities in DeFi** on one page, with one click.\n\n**_Ask_**_:_ Try [freeportmarkets.com](http://freeportmarkets.com) (on desktop with hot wallet) and give us feedback! Connect us with student orgs or other groups who can help us with distribution. Our ICP are crypto-adjacent folks who keep most of their crypto on Robinhood/Coinbase. Check out our fun promo vid 👇https://www.youtube.com/watch?v=TWZTB_r_jO4\n\n### **❌ Problem**\n\nMost investors’ crypto portfolios suffer from the follow issues: \n\n* **Leaving Yield on the Table:** Easy and safe 4-8% extra returns a year from staking / conservatively lending crypto assets that they already own.\n* **Under-diversified:** Portfolios are often just BTC/ETH, which can underperform the crypto market. (No one buys a single stock as a “portfolio”; why a single token?)\n* **Paying Unnecessary Fees:** Coinbase/Robinhood takes a massive cut out of yields, don’t let you lend/borrow at market rates, and have high trading fees.\n\n**Net:** The best opportunities are in DeFi, but people miss out on common-sense optimization, true diversification, and lower fees, because DeFi is fragmented and confusing.\n\n**💰Our Solution** \n\n* **Unify DeFi in One Place:** Freeport integrates trusted protocols on one page.\n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/f7aad792-d924-4859-aaeb-f992dfb18b5d)\n\n* **Signal Over Noise:** We separate **treasure from trash** with a rigorous screening framework (see below) so nothing you buy here is a scam / rugpull.\n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/8cdbb09d-c8b3-4aef-98e1-e483ac16a014)\n\n* **Yield on Resting Assets:** Put idle holdings to work in battle‑tested & audited opportunities with transparent sources of return.\n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/d4c8feb7-9589-48ab-9e8b-a5708f1d0899)\n\n* **Real Diversification:** Allocate across chains, sectors, and risk factors in a single, simple flow using a framework supported by rigorous statistical inference (see below)\n\n \n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/936963cf-a58a-48f1-8d6b-611da05e7433)\n\n* **No Management Fees + Lowest Trading Costs:** We find the best possible path to route your order to minimize slippage and MEV (see below).\n\n🏦**Our Mission**\n\nBring value and science-based “quantamental” investing to crypto, so people view it as the legitimate long-term asset that it is, not a day-trader’s playground. We combine rigorous screening and factor/sector diversification to filter noise and compound value over time.\n\n**⛵Chart Your Course With Freeport** \n\n* Freeport is made for all long-term investors who want durable yield, smartly diversified portfolios, and explainable risk that drives compounding returns. \n* Get started today at [**freeportmarkets.com**](http://freeportmarkets.com), share us with friends who may be interested, and let us know about bugs / feature requests that you may have! \n* Reach us at [lihong.wang@freeportmarkets.com](mailto:lihong.wang@freeportmarkets.com) & [bryan.reed@freeportmarkets.com](mailto:bryan.reed@freeportmarkets.com).\n\n \n\n### **⚙️Appendix: How It Works**\n\n* [**Research-Backed Curation**](https://www.freeportmarkets.com/reference/Investable%20Universe%20Methodology.pdf)**:** To ensure that tokens that we support are legitimate, we operate inside only the top 250 by market cap and screen for real tradability. \n* [**Economic Diversification**](https://www.freeportmarkets.com/reference/Digital%20Asset%20Taxonomy.pdf)**:** We classify assets by their orthogonal drivers of returns: Settlement (execution/scaling vs. monetary), Infrastructure & Interoperability, DeFi/CeFi, Culture & Entertainment, DePIN & Resources, plus Stablecoins & RWA. \n* [**Factor Tilts**](https://www.freeportmarkets.com/reference/Quantitative%20Framework.pdf)**:** We track seven factors, market, size, value, momentum, growth, downside beta, liquidity, and prioritize momentum (best out-of-sample), with value & growth as corroborating signals; low-to-moderate correlations improve diversification.\n\nWe pair a disciplined universe + sector taxonomy with data-driven quantitative factors + human-expertise to construct recommendations and strategies that moves portfolios away from single-asset concentration toward repeatable, explainable, multi-factor returns, at [**freeportmarkets.com**](http://freeportmarkets.com)**.**", "url": "https://www.ycombinator.com/launches/OeQ-freeport-intelligent-defi-investment-platform", "votes": 141, "created_at": "2025-10-20T14:16:38.770Z" } ] }, { "id": 31194, "name": "Valence", "slug": "valence", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/355e8c5b3746af19fb0b6ef6149b2028474fbf0a.png", "website": "https://valence.trade", "all_locations": "San Francisco, CA, USA", "long_description": "Valence is a unified trading platform for prediction markets. We provide infrastructure to aggregate and execute contracts across Kalshi, Polymarket, and other platforms, surface arbitrage and mispricing opportunities in real time, and give systematic traders the API and backtesting tools they need to build and execute data-driven strategies on anything.", "one_liner": "Unified prediction markets trading platform", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1772497537, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/valence", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/valence.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://x.com/ValenceTrade", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/355e8c5b3746af19fb0b6ef6149b2028474fbf0a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 1419388, "full_name": "Neo Wang", "title": "Founder", "founder_bio": "Sports Enthusiast", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nwatx/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5850dd38cc0e2b32423946ef504e10bd0c6e3b01.jpg" }, { "user_id": 2566102, "full_name": "Daniel Kasabov-Nouvion", "title": "Founder", "founder_bio": "LoL Grinder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-kasabov-nouvion-a717931a8/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/333ad2b4134d2793ed10494315b4cf017e1d589e.jpg" }, { "user_id": 3207929, "full_name": "Arthur Zhou", "title": "Founder", "founder_bio": "setwithfriends enjoyer", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/arthurzhou", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1b0e49ab1cb4bd83d57867e6aa48531e59b0234.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98484, "title": "Valence: Unified prediction markets trading platform", "tagline": "Trade across every prediction market using one interface and API", "body": "# Valence - The Trading Superapp for Prediction Markets 📈\n\nTrade across every prediction market from one interface\n\n**Neo, Daniel, Arthur**\n\n[Valence](https://valence.trade/)\n\n---\n\nHey YC! We're **Neo**, **Daniel**, and **Arthur** from Valence and we're building the trading superapp for prediction markets. We sit across all the exchanges and provide customizable trading terminals, APIs, data, and execution. Our software works for both individuals and teams.\n\n**Over 1B contracts have been traded through our platform.**\n\n🔗 [valence.trade](http://valence.trade)\n\n**Ask:** Building or trading in prediction markets? We'd love to hear from you: [**founders@valence.trade**](mailto:founders@valence.trade)\n\n---\n\n# TL;DR\n\nValence is one interface for every prediction market. Trade across Kalshi, Polymarket, and [**Crypto.com**](http://Crypto.com) with one unified orderbook. Monitor P&L, risk, balances, and positions across all exchanges in one spot. Use our API to write strategies that integrate with our global interface.\n\n---\n\n# Problem ❌\n\n**Fragmented liquidity:** With more exchanges appearing faster than ever, liquidity becomes more scattered. This creates market inefficiencies for traders. With variable fee structures, rules, and settlement risks across multiple markets, execution becomes less about \"what is correct\" and more about managing multiple interfaces, inconsistent risks, and higher time-to-trade.\n\n**Underdeveloped tooling:** Most exchanges are not focused on providing great trading infrastructure, since most users are retail-focused. This creates a major barrier for serious traders and teams trying to enter or scale in the space. Valence fills this gap — we provide the trading terminals, APIs, and execution infrastructure that the exchanges themselves don't. Instead of building the same connectors and infrastructure for every exchange, traders can execute across all platforms with one click and focus on what actually matters: trading.\n\n**No unified data layer:** There is a lack of fundamental things like data and matching identical markets across multiple platforms. With Valence's API and verification process, traders can determine which tickers are the same, and use one API to access every platform, backtest, and run in production. With full access to historical data and proprietary datasets, Valence already powers the very highest volume traders on some of these exchanges.\n\n---\n\n# Solution ✅\n\nThe setup process to trade across dif\n\nferent exchanges is annoying, and oftentimes traders find themselves writing the same infrastructure. Valence offers a web-based terminal and APIs to provide a frictionless experience to trade across infinite exchanges, with unified views. We support both systematic and manual trading — also at the same time.\n\n**Valence Terminal**\n\n* Unified orderbook across all exchanges — see every venue in one view\n* Smart routing to get you the cheapest contracts across all venues\n* Live monitoring of all P&L, risk, balances, and positions\n* Fast click-trading with built-in data feeds\n* Automated trading assistance — detect potentially harmful situations and cancel orders\n\n ![uploaded image](/media/?type=post&id=98484&key=user_uploads/1419388/9bfacd69-145c-4b93-b11a-f81471653366)\n\n\n**Valence API for Developers**\n\n* Connect once, trade everywhere — one standardized API across every exchange\n* Cross-platform ticker matching so you always know when two exchanges list the same market\n* Full historical data and proprietary datasets for backtesting\n* Build and deploy your own strategies with template engines and custom services\n\n![uploaded image](/media/?type=post&id=98484&key=user_uploads/1419388/e8f60f0e-b2ac-4607-ac50-39b68530306b)\n\n**Discovery**\n\n* Find opportunities across platforms you might not even be watching\n* Access proprietary datasets across sports, politics, and more\n\n![uploaded image](/media/?type=post&id=98484&key=user_uploads/1419388/7366a047-e13e-45ea-a43f-e860b1da1f3b)\n\n---\n\n# Traction 📊\n\nOver **1B contracts** traded through our platform. We grew from 7M contracts in September to 250M in December 2025 — nearly **30× in four months**.\n\nProminent traders (top 3) on the Kalshi public leaderboard uses Valence, trading over 100M contracts a month on our platform. We've helped another team **scale their P&L by 5×** simply by enabling them to take more trades and source more liquidity.\n\nOur users consistently see **200%+ month-over-month volume/profit growth** after switching to Valence.\n\n---\n\n# Who This Is For 💬\n\n**Active prediction market traders** — You're tired of juggling tabs across Kalshi, Polymarket, and other exchanges. You want one place to see everything and execute everywhere.\n\n**Systematic / algo traders** — You're building strategies and need a reliable API that works across every exchange without writing separate connectors for each one.\n\n**Trading teams** — You want a shared interface where your team can collaborate, monitor positions, and trade together.\n\n**Curious about prediction markets** — You've been interested but the fragmented UX and lack of tooling has kept you out. Valence makes it easy to get started.\n\nIf any of this is you, reach out: [**founders@valence.trade**](mailto:founders@valence.trade)\n\n---\n\n# Team 🧑‍💻\n\n**Neo** previously interned at Citadel Securities as a quantitative developer, and also at DRW and Cubist Systematic Strategies on strategy and research efforts. Neo was also a former director of the USACO Guide (\\~100K users, 1700+ GitHub stars).\n\n**Arthur** interned twice at Jane Street as a trading intern, working on research projects involving monetization improvements. He represented the United States at international Bridge competitions and qualified for USAMO (top 250) and was a USACO Platinum Competitor. He can also get over 180 in Zetamac!\n\n**Daniel** interned at IMC Trading and Citadel in both hardware and software engineering, and at ARM on systems research. He designed an ethernet MAC that outperforms IEEE specifications and contributed to the CXL specification at ARM.\n\n---\n\n**Try Valence → [valence.trade](http://valence.trade)**\n\n---", "url": "https://www.ycombinator.com/launches/PcS-valence-unified-prediction-markets-trading-platform", "votes": 12, "created_at": "2026-03-05T01:31:55.007Z" } ] }, { "id": 31273, "name": "SpotPay", "slug": "spotpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/86338b0909975d76f85bd358ddf08742a3e504aa.png", "website": "https://www.spotpay.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "SpotPay is a global borderless neobank. We give users one account that works for everything payments related: receiving money from abroad, paying locally, spending anywhere with the SpotPay card and saving and earning on their balance.", "one_liner": "Stablecoin Global Bank Account", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1767931304, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/spotpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/spotpay.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/spotpay-hq/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/86338b0909975d76f85bd358ddf08742a3e504aa.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tyler Bosmeny", "url": "https://www.ycombinator.com/people/tyler-bosmeny" }, "founders": [ { "user_id": 2963544, "full_name": "Zsika Phillip", "title": "Founder/CEO", "founder_bio": "Founder and CEO at SpotPay.\nPreviously Lead Engineer at Google (Monetization, Cloud, YouTube).\nZsika grew up between the Caribbean and Latin America and experienced firsthand how slow and unreliable it is to move money home and pay for everyday life.\n\nGrowing up in the Caribbean, Zsika was a competitive track-and-field athlete, running against a then-up-and-coming Usain Bolt. His personal bests include 10.3 in 100M and 21.7 in 200M.\n\nZsika got his MBA Stanford and CS Degree from Purdue.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zsika/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/66b531fbab72d3c1ea81831ac883d343c8a5aad0.jpg" }, { "user_id": 2967213, "full_name": "Thomas Cesare-Herriau", "title": "Founder/CTO", "founder_bio": "Founder and CTO of SpotPay.\n4th Engineer at Brex, I grew to Principal Engineer.\nThroughout the 6 years I led teams and departments across Financial Products and Platforms.\nI was at Google for a bit but it was too slow. On the plus side though, I met my future cofounder there!\nFrench.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thomascesareherriau/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d974444037fd65da5ffc8b2c91fb26ae68e41e2.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98487, "title": "SpotPay - Your Global Bank Account", "tagline": "We let anyone, from anywhere, use modern payment services like digital banking, tap to pay and instant money transfer.", "body": "**TL;DR**\n\nSpotPay is a global neobank that lets people spend, send and receive money anywhere in the world from a single account.\n\nWe’re building the next generation of financial services powered by modern blockchains and stablecoin technology.\n\n\n\nAnd SpotPay is taking off! 🚀🚀\n\nWe launched just over two months ago and today we’re already **live in 40+ countries**. On average, our TPV (Total Payment Volume) is growing **43% week over week**, and our user base is growing **27% week over week**. Along the way we’ve sat down with **country leaders, large companies and central bank governors** – all sharing a common excitement around SpotPay and the future of global payments. We’re just getting started!\n\n![uploaded image](/media/?type=post&id=98487&key=user_uploads/2963544/30c07567-701e-4b46-a7ff-a7d61fffc8aa)\n\n**Hey, we’re Zsika and Thomas.**\n\nWe kept noticing the same thing through our lived experience. Modern financial tools continue to feel like a privilege reserved for the rich world. Even with the recent increase in remittance providers, most “innovation” simply stops at the sender side — while the receiver is still stuck with legacy ways of collecting, spending, and managing money.\n\nSo we’re building SpotPay to change that.\n\n* SpotPay provides every user with a **verified wallet** that’s tied to their real identity. That foundation lets us issue a **SpotPay Credit Card** and integrate seamlessly with **Apple Pay / Google Pay** — even for users who don’t have a bank account in their home country.\n* SpotPay also allows merchants to **accept QR code payments** – avoiding the high card processing fees and gaining access to instant payment settlements since all SpotPay payments are settled on the blockchain. For SMBs, instant settlement often means they can utilize revenue from their sales up to **24 hours faster** than they would using traditional finance and maintain healthy cash flows as a result.\n\n**Who is SpotPay for?**\n\nEveryone.\n\nWe believe everyone deserves access to modern financial tools — **especially the hundreds of millions** of people around the world who are still unbanked or underbanked.\n\nBecause SpotPay verifies each user with their real identity, you **do not need a traditional bank account to use it**.\n\nImagine sending money to your aunt in another country, and within seconds she can tap her phone to pay for coffee at a local café.\n\nNow imagine this and countless similar scenarios multiplied across 40+ countries around the world. These are the kinds of early use cases we are already seeing.\n\nWe believe that a person’s financial life should not depend on where they live, or what banking system they happen to inherit. We’re building SpotPay to make modern money a reality for everyone, everywhere.\n\n![uploaded image](/media/?type=post&id=98487&key=user_uploads/2963544/2f7bcb62-c7e0-49c8-93d3-bae98ef6c830)\n\n**About Us:**\n\n**Zsika** previously worked as a tech lead and PM at **Google** on several products including **YouTube Monetization, Ads Monetization, and Google Cloud**. Zsika grew up between the Caribbean and Mexico so the solution SpotPay is building is very close to him.\n\n**Thomas** was engineer #4 at **Brex**, where he was most recently a Principal Engineer. He has spent years building financial products and infrastructure at scale. Thomas also worked as a Software Engineer at **Google**.\n\n**How you can help:**\n\n📱 **Download SpotPay today!** — there’s a good chance we already support the country you’re from and the country you live in, even if those are different places :).\n\n💬 Share this with anyone who travels, sends money internationally, or receives money across borders.\n\n🌍 Tell us the countries where you’d like to see SpotPay next.\n\nDownload here:\\\n\n\nFrom SpotPay with 💜", "url": "https://www.ycombinator.com/launches/PcV-spotpay-your-global-bank-account", "votes": 21, "created_at": "2026-03-05T04:44:15.649Z" } ] }, { "id": 31344, "name": "Totalis", "slug": "totalis", "former_names": [ "UCALLEDIT®" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/511d877345852eb10f307bb1381829f64760f295.png", "website": "https://www.totalis.trade", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "derivative layer for prediction markets", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1774744766, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/totalis", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/totalis.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/totalistrading", "x_url": "https://x.com/totalistrading", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/511d877345852eb10f307bb1381829f64760f295.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 1270958, "full_name": "Pravesh Mansharamani", "title": "Founder/CEO", "founder_bio": "building derivative layer for prediction markets | prev math @ waterloo ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pravesh-mansharamani/", "x_url": "https://x.com/ImTheBigP", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e54d4842bc9e697ec52bfa2b1ba9723c3ebe245c.jpg" }, { "user_id": 1555108, "full_name": "Eric Liu", "title": "Founder/CTO", "founder_bio": "Building the derivatives layer for prediction markets. Previously data @ coinbase, mle @ faire, math @ uwaterloo.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ericliujt/", "x_url": "https://x.com/ericliujt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f6cdfb5fc8ba94677da64869ad659d9214f6323f.jpg" } ], "jobs": [ { "id": 107232, "title": "Prediction Market Quantitative Trader", "url": "https://www.ycombinator.com/companies/totalis/jobs/mqoEJPi-prediction-market-quantitative-trader", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "$140K - $250K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] }, { "id": 109686, "title": "Founding GTM", "url": "https://www.ycombinator.com/companies/totalis/jobs/I76G9uV-founding-gtm", "location": "New York, NY, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $200K", "equity_range": "0.50% - 1.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 101857, "title": "Totalis - Parlay on Anything", "tagline": "Derivative Layer for Prediction Markets ", "body": "**TL;DR:** Combine ideas across categories like crypto, politics, sports, and macro in one parlay!\\\ntry it out : [app.totalis.trade](https://app.totalis.trade/?invite=HXNnZfk3F4R8GZkbh7BMZc)\n\n![uploaded image](/media/?type=post&id=101857&key=user_uploads/1270958/f74c704c-8bcc-4738-ba9f-5c2e2fdb4f0c)\n\nHey 👋 we’re Pravesh and Eric, building **Totalis**.\n\nPeople usually don’t think in isolated events. We think in second and third-order effects:\n\n* if Google has the best AI model, does S&P price go up?\n* if Trump talks about Crypto, does BTC move?\n* if macro gets weird, do gold + crypto move together?\n\nRight now, prediction markets mostly let you trade one event at a time. **Totalis lets you trade the whole thesis.**\n\nA parlay is simple: pick 2–5 things you think will happen together, combine them into one trade, and get a larger payout if all legs hit.\n\nInstead of putting $100 into each individual market, you can put $100 into the combined thesis. That makes it more capital efficient if your view is really about the events happening together.\n\nFor example:\\\n**“Google wins AI → SPY rips”**\\\nThesis:\\\n\\- if Google has the top AI model:\\\n\\- GOOGL closes above target\\\n\\- SPY closes above target\n\n![uploaded image](/media/?type=post&id=101857&key=user_uploads/1270958/c3707919-ca3f-4f61-aeaf-95abc3030302)\n\n**“Geopolitics influencing asset prices”**\\\nThesis:\\\n\\- if Trump discusses “Iran” in China\\\n\\- if Trump says “Crypto”\\\n\\- Oil price above target\\\n\\- BTC above target\n\n![uploaded image](/media/?type=post&id=101857&key=user_uploads/1270958/21a5890c-0d22-4651-b3e9-9f24a005743d)\n\nWe’re starting with markets that resolve fast, data-rich, recurring, and with deep liquidity. These correlations are easiest to test.\n\n**How it works:**\\\nBrowse markets across crypto, politics, stocks, sports, weather, and more. Add legs to a parlay. We send it through RFQ and market makers return a quote. You accept or reject. No orderbooks, no central “house” that controls payout structure to ensure profits.\n\n**Why now:**\\\nPrediction markets have exploded, but they still mostly look like single-event betting. In mature financial markets, people don’t just trade single assets — they trade baskets, spreads, options, hedges, and structured products.\\\nParlays are the first obvious primitive for prediction markets.\n\n**Asks:**\n\n1. **Try the app:** [app.totalis.trade](https://app.totalis.trade/?invite=HXNnZfk3F4R8GZkbh7BMZc)\n2. **Drop your favorite parlay below:** what do you think happen together? We’d love to bring the best ones live and price them.\n3. **Market makers:** if you’re interested in making markets on parlays, or know someone who would be, please DM / intro us. We’d love to chat!\n\nNote: For regulatory reasons, we’re only offering this product to people outside of US right now.\n\nPravesh & Eric", "url": "https://www.ycombinator.com/launches/QUr-totalis-parlay-on-anything", "votes": 11, "created_at": "2026-05-25T14:52:29.789Z" } ] }, { "id": 31522, "name": "Gravy", "slug": "gravy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/046c8f79269b011fabec54b03a626f072794e49d.png", "website": "https://gravy.finance", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Agents that move money, trade stocks, and file taxes.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1779811070, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/gravy", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/gravy.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/gravyfinance/", "x_url": "https://x.com/gravy_finance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/046c8f79269b011fabec54b03a626f072794e49d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 1178479, "full_name": "Ali Tabba", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO @ Gravy\nPreviously co-founded KiranaKart which became Zepto, and worked in iShares at BlackRock.", "is_active": true, "linkedin_url": "https://linkedin.com/in/alitabba", "x_url": "https://x.com/alitabba_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b6f1e69e9b34a77f1dbaf49bada224e11979983c.jpg" }, { "user_id": 1058585, "full_name": "Max Church", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO @ Gravy.\nPreviously, lead AI Engineer at Moonpig, a consumer business with over 12 million active users.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-church/", "x_url": "https://x.com/DevMaxC", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4a81cba3105fe28afea154ee4c57a2e5bace0ea4.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 102394, "title": "Gravy - Agents for your personal finances", "tagline": "Connect to your banks, investments, email and more to explain your money and automate your financial tasks. ", "body": "Meet [**Gravy**](https://gravy.finance)! The AI agent that automates your personal finances for you - optimising your spending, finding savings, and handling the tedious money tasks you never get around to.\n\nTry it at [**gravy.finance**](http://gravy.finance)\n\nIn 5 years, the way everyone manages their money will look radically different. Gravy is an AI agent that doesn't just track your finances, but acts on them. Connect up, and Gravy works for you in the background as your finances update day to day. \n\n![uploaded image](/media/?type=post&id=102394&key=user_uploads/1178479/43c3c08c-3595-46a6-8813-aad8cb00f8c9)\n\nYour money is deeply personal, and so is Gravy. **It’s totally customisable** and your **data stays local on your Mac**. Here are some things it can do:\n\n* “Track my angel investments by syncing my Gmail to my portfolio.”\n* \"I uploaded my rental contract. Track rent, deposits, and bills, and move xxxx every month from my Barclays to my HSBC to cover it, and negotiate better deals on utilities where you can.\"\n* “What recurring subscriptions do I have? Go cancel xxxx. Any other fees I could be avoiding?”\n* “Use your dedicated agent card to organise date night’’\n* “Create a custom page to track all my credit cards; spending, smarter debt payoff, and am I using my Wells Fargo points efficiently?\"\n\nWe're repeat co-founders with deep consumer experience.\\\nAli previously cofounded **KiranaKart,** which later became the Indian unicorn **Zepto**, and worked in iShares at BlackRock.\\\nMax was an AI Engineer at a consumer business with over 12 million active users.\n\n[Give it a free try here](https://gravy.finance), and let us know what you think.\n\n", "url": "https://www.ycombinator.com/launches/QdW-gravy-agents-for-your-personal-finances", "votes": 7, "created_at": "2026-06-01T20:36:13.839Z" } ] }, { "id": 31529, "name": "Mochatrade", "slug": "mochatrade", "former_names": [ "Marvin", "Leverberry" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b53aed7c2d61caf968cbcb61a42f6cd0f7f65ef9.png", "website": "https://www.mochatrade.com", "all_locations": "New York City, NY, USA", "long_description": "Mochatrade lets global traders trade top US stocks using perpetual futures. Access all US stocks including TSLA, NVDA, and AAPL, plus pre-IPO companies and commodities, no US brokerage account needed. Money in and out in local currency (UPI in India), with professional-grade execution on the world's most liquid equities. Starting with India (140M+ demat account holders), expanding across other markets. Backed by Coinfund, Coinbase, and Y Combinator.\r\n\r\n", "one_liner": "US stock trading, unlocked for the globe", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1775162589, "tags": [ "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/mochatrade", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/mochatrade.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/mochatrade/", "x_url": "https://x.com/Mochatradeapp", "fb_url": "https://www.facebook.com/profile.php?id=61590393531163", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b53aed7c2d61caf968cbcb61a42f6cd0f7f65ef9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/8595eb16627a24d2cb598e3dcd75ac45c4f41ad2.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3db07db7aa5b55b0338f87799472d91b06f4d45d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/84297da5dcafcd3615304799a7f4cc0a4480582d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2cc53b9f13029010777d69345f21454d3189047c.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 921606, "full_name": "Utkarsh Sinha", "title": "Founder/CEO", "founder_bio": "CoFounder and CEO at MochaTrade. Building US stock trading for the globe. Built Martian Wallet in my Columbia Dorm Room, that scaled to 2M+ installs, raised $3.5M, and got acquired. Studied MS in CS at Columbia, and EECS at IIT KGP. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/utksn15/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ad3a8d4f8970ac1fc1064ca3aa7e3b3fad8db9d.jpg" }, { "user_id": 1935536, "full_name": "Parth Maheshwari", "title": "Founder/CTO", "founder_bio": "Cofounder and CTO at Mochatrade. Previously led engineering at the largest fintech lending startup in India, and was part of a small team who build Adobe Photoshop for the web. Cofounder/CTO at Meadow(Synthetic-user testing platform acq. by YC company). Graduated from IIT Guwahati in 2020", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/parthm1801", "x_url": "https://x.com/_ParthVader_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/786ad043dd7109c01ea195e9f2bdef403ef8f827.jpg" }, { "user_id": 1797347, "full_name": "Chetan Manda", "title": "Founder/CPO", "founder_bio": "Co-Founder and CPO at Mochatrade. Previously Director of Product at Sprinklr(NYSE:CXM), Cofounder/CEO at Meadow(Synthetic-user testing platform acq. by YC company). HCI grad from IIT G", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chetanmanda/", "x_url": "https://x.com/theblackmanda", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b859d7c78a7ffbe2439d685650ae660017d24f04.jpg" } ], "jobs": [], "news": [ { "title": "MochaTrade Secures Pre-Seed Funding from Y Combinator to Transform Perpetual Trading, ETEntrepreneur", "url": "https://entrepreneur.economictimes.indiatimes.com/news/funding/mochatrade-secures-pre-seed-funding-from-y-combinator-to-transform-perpetual-trading/130855566", "date": "May 07, 2026" }, { "title": "FinTech firm MochaTrade raises pre-seed from YCombinator", "url": "https://deccanfounders.com/2026/06/news/mochatrade-secures-funding-global-us-derivatives/", "date": "May 06, 2026" } ], "launches": [ { "id": 101161, "title": "Mochatrade - US stock perps for Indian traders with up to 50x leverage", "tagline": "Deposit in INR via UPI, trade US stocks, Pre-ipo stocks, indices, commodities and crypto with up to 50x leverage.", "body": "**TL;DR:** Mochatrade lets Indians trade perpetual futures on US stocks (TSLA, NVDA, AAPL), Pre-ipo stocks(Cerebras, Anthropic, SpaceX), commodities(Oil, Gold, Silver). Deposit INR via UPI rails, trade and withdraw to your bank. 24/7 settlement and no Foreign Remittance required.\n\n**The problem:** India is the largest retail derivatives market in the world with \\~60% of global equity derivatives volumes (\\~$30Bn per day), eclipsing the US market. 140M+ Indians hold trading accounts. They want US stock exposure but have been locked out.\n\nToday they have three bad options:\n\n* **Hold US stock as spot** through regulated brokers (Vested, INDmoney) with offshore bank accounts: $250K remittance cap, T+2 settlement, no leverage, no shorting, not 24/7, painful Tax handling\n* **Offshore CFD shops**: opaque pricing, sketchy custody, no INR rail, regulatory black hole\n* **Crypto Exchanges** such as CoinDCX which are catered towards crypto audiences. Majority of Indian daytraders don't understand 'crypto wallets' and 'gas fees'.\n\n![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/625c590d-9442-488e-b1a6-57d01a7f147b)\n\n**None of them match** what an **Indian** F&O **trader** actually does and **wants** - every day leveraged derivatives, in INR.\n\nPromo: \n\n**What we built:** The trading terminal these users already know, run on perpetual futures:\n\n* **50+ US stock perps + pre-ipo stocks +commodities crypto + indices**, up to **50x leverage.** NVDA, TSLA, AAPL, META, GOOGL, SPY, plus BTC, ETH, SOL, plus index perps. One terminal, one balance.\n\n ![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/f4c0dbdf-56fb-4ea5-8f83-93f9e65df03b)\n\n* **INR on-ramp and off-ramp via UPI.** Withdraw to your KYC-verified bank in INR.\n\n ![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/697099f0-bff6-4bac-8adb-ff50624f850a)\n\n* **Terminal-grade UI** density built for serious traders. Fundamental Analysis for every stock, Advanced charts for Technical Analysis.\n\n ![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/39aac7df-4a94-4f57-8ff1-cc6e9eb3a24c)\n\n* **Non-custodial wallets. Sub-second execution** and **deep liquidity**, built on Hyperliquid.\n* **Compliance:** We're building it the right way. FIU-IND registration in flight, working with India's best law firm on regulatory architecture.\n\n**Who we are:** **Utkarsh** (CEO), **Chetan** (CPO), **Parth** (CTO). IIT grads, close friends for 10 years. Previously **built** crypto **wallet** with **2M** installs across **50+ countries**, processing over **$2Bn** in volumes, successfully **acquired** by an exchange.\n\n![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/d892d716-f736-4f5c-b942-a985239fe819)\n\n**Our ask:**\n\n* F&O / perps traders: join the **waitlist** at [www.mochatrade.com](http://www.mochatrade.com)\n* **Operators** in Indian **fintech**, **crypto**, or **trader** communities - would love to chat\n* We're closing a **seed round**; warm intros welcome\n\nContact us at: [founders@mochatrade.com](mailto:founders@mochatrade.com)", "url": "https://www.ycombinator.com/launches/QJd-mochatrade-us-stock-perps-for-indian-traders-with-up-to-50x-leverage", "votes": 60, "created_at": "2026-05-11T19:20:07.569Z" } ] }, { "id": 32749, "name": "Arbital", "slug": "arbital", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/41b5fd38dcf7826f6043c80c1a7e50338b8b5cb1.png", "website": "https://www.arbital.xyz", "all_locations": "San Francisco, CA, USA", "long_description": "Arbital lets you trade perps, memes, stocks, and run market-making strategies from one place. In our first 7 months, 2,700 traders have traded $1.35B in volume through Arbital, and we're now doing $435M/month. \r\n\r\nWe're building towards a social, mobile-first trading app that brings tokenized equities, crypto, and perps to everyone.", "one_liner": "The social trading app for stocks, memes, and perps", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1785892617, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Trading", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "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/arbital", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/arbital.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arbitalxyz/", "x_url": "https://x.com/arbital_xyz", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/41b5fd38dcf7826f6043c80c1a7e50338b8b5cb1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harshita Arora", "url": "https://www.ycombinator.com/people/harshita-arora" }, "founders": [ { "user_id": 531306, "full_name": "Karon Pangestu", "title": "Founder/CEO", "founder_bio": "Co-founder at Arbital. Head of Growth and first non-engineering hire at Aevo, where I led growth, marketing, and product - helping scale the exchange from $1B to ~$100B in cumulative trading volume, and growing DAU from 1K to 30K in five months. Helped take the company public via token launch (token now listed on Binance and Bybit, ~$3.8B ATH valuation). Previously co-founded Launchy, a crypto media platform reaching 20K+ builders and investors. BA in Mathematics & Statistics, LSE.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pangestukaron/", "x_url": "https://x.com/pangestu_karon", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3dd6c9bdc356a470d65fdf0060c83396b8b179ca.jpg" }, { "user_id": 3674258, "full_name": "Steven Mulyawan", "title": "Founder/COO", "founder_bio": "Co-founder at Arbital. Led BD and partnerships at Aevo across Asia, personally building and owning relationships with major KOLs, agencies, and high-net-worth traders - the network we now tap directly to drive Arbital's growth. Onboarded 10,000+ traders during Aevo's scale from $1B to ~$100B in cumulative volume.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/steven-mulyawan-974ab7252?utm_source=share_via&utm_content=profile&utm_medium=member_ios", "x_url": "https://x.com/0xstevezilla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07422eb4413225536a4e713e23fb4cd54da5d006.jpg" }, { "user_id": 3492152, "full_name": "Vincent Owen Toniwan", "title": "Founder/CTO", "founder_bio": "Co-founder at Arbital. Built and ran the backend and market-making infrastructure that powered Aevo as it scaled from $1B to ~$100B in cumulative volume - driving latency down to <2ms at 100k events/s. Built Aevo Degen from scratch, one of the first exchanges offering up to 1,000x leverage. Previously led backend at N1 (terminal.trade) and MEV infrastructure at Bitwyre.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vincent-owen-202a9821a/", "x_url": "https://x.com/0xvincent_eth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e93aee4429cb608bc5224c9c3761ee549666ed47.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110390, "title": "Arbital - Trade memes, stocks, and perps from one place", "tagline": "Trade Anything, Anywhere - 2,700 traders have traded $1.35B in 7 months", "body": "**TL;DR:** Arbital is a trading terminal for memecoins, stocks, and perps. In our first seven months, 2,700 traders have traded $1.35B through Arbital. We recently hit a record $41M in daily volume and are now doing \\~$435M/month in trading volume. \\\n\\\n\n\n**The problem**\n\nVolatility no longer lives in one market.\n\nOn any given day, it might be a memecoin ripping, an AI stock pumping, or a Korean or Chinese stock moving.\n\nBut two things get in the way:\n\n* **Discovery is noisy.** Trade ideas are scattered across social feeds, and it's hard to know who's credible or why they're making a trade.\n* **Execution is fragmented.** There's no single place to trade every market that matters - crypto, memes, perps, and equities.\n\nArbital brings traders, trade ideas, and markets into one place.\n\n**What we built**\n\nArbital is one place to discover and trade the markets you care about most.\n\nWith Arbital, you can:\n\n* Trade memecoins, equities, and perps\n* Run automated strategies like market making and grid trading\n\nWe’re also building a social, mobile-first trading app where users can discover what other traders are buying, understand their reasoning, and execute immediately.\n\n**Traction - first 7 months**\n\n* **$1.35B+** total trading volume\n* **$41M** in a single day - a new all-time high\n* **\\~$435M/month** in trading volume\n* **2,700** traders\n\n**Why us**\n\nBefore Arbital, we were early team members at Aevo. We helped scale the exchange from \\~$1B to $100B in cumulative volume, grew DAU from 1,000 to 30,000 in five months, and helped launch its token, which reached a \\~$3.8B peak valuation and is listed on Binance and Bybit.\n\nOn the engineering side, we built trading systems that handled 100K events per second with <2ms latency.\n\nNow we're using what we learned to build a simpler trading experience for a global audience.\n\n![uploaded image](/media/?type=post&id=110390&key=user_uploads/531306/fe17e817-a600-47c9-8476-41dabab20359)\n\n**Our asks**\n\nIf you trade memes, perps, or stocks, we'd love for you to try Arbital and tell us what you think. Trader feedback helps us make the product better.\\\n\\\n**Try Arbital:** \n\n**Feedback / intros:** [karon@intric.org](mailto:karon@intric.org)\n\n**Telegram:** @kp_9961", "url": "https://www.ycombinator.com/launches/SiU-arbital-trade-memes-stocks-and-perps-from-one-place", "votes": 69, "created_at": "2026-08-15T02:00:00.546Z" } ] } ]