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With a firm belief that you're more than your credit score, we're extending credit as aggressively as possible and helping solve for the income volatility and financial instability that affects more than 140 million Americans. \r\n\r\nWe are backed by more than $325 million in debt and equity financing from investors such as GV, PayPal, Y Combinator, QED Investors, Susa Ventures, Data Collective, Thomvest Ventures, Kleiner Perkins, Kapor Capital, Bronze Investments, radicle impact, Victory Park Capital, Reddit co-founder Alexis Ohanian, Gmail founder Paul Buchheit, Troy Carter, and many others.\r\n\r\nOne of our values is \"different backgrounds, same mission.\"​ We come from venerable Silicon Valley technology companies, major banks, nonprofits and law firms. We're former consumer advocates, regulators and academics. Together, we're bringing our mission to life. 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Don't do this | Sifted", "url": "https://sifted.eu/articles/applying-to-y-combinator-tips", "date": "Jul 30, 2023" }, { "title": "Early interviews for AI companies - apply by Tuesday, July 18, 2023 ", "url": "https://www.ycombinator.com/blog/early-interviews-for-ai-companies", "date": "Jul 15, 2023" }, { "title": "Y Combinator's Summer 2023 Startups", "url": "https://www.bloomberg.com/news/videos/2023-06-27/ai-boom-is-about-cerebral-valley-y-combinator-ceo-video", "date": "Jun 27, 2023" } ], "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. 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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. 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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": 149, "name": "Tremendous", "slug": "tremendous", "former_names": [ "GiftRocket" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4113d9f505976529d750df754ce34c986d9cf14a.png", "website": "https://www.tremendous.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Tremendous is a payouts platform for businesses to send money and gift cards to anyone, anywhere. Used by 25k+ companies for one-time payments, including research compensation, marketing incentives, and employee recognition.", "one_liner": "How businesses send money to people at scale. Fast, free, global.", "team_size": 150, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326789805, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/tremendous", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2011/tremendous.json", "year_founded": 2010, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tremendous-rewards", "x_url": "https://twitter.com/gotremendous", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tremendous", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4113d9f505976529d750df754ce34c986d9cf14a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 8379, "full_name": "Nicolas Baum", "title": "Founder/CEO", "founder_bio": "cofounder @ tremendous", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicolasbaum/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ab0a315aa4abd221ae8ff475a0604bd5f304d8d.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. 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Parents can invite family and friends to make contributions. The Trust Fund is invested with Vanguard and earns a market rate of return until the child turns 18.\n\nThe simple, social nature of TrustEgg will dramatically change the savings rate for the 70+ million children in the US.", "one_liner": "Trust funds.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1326789973, "tags": [ "Finance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "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/trustegg", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2011/trustegg.json", "year_founded": null, "city": "Culver City", "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": 50153, "full_name": "Jeffrey Brice", "title": "Founder/CEO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jeffreybrice", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/971e9e36995e6065c0ceac07bd56e4963462c199.jpg" }, { "user_id": 50152, "full_name": "Gabe Krambs", "title": "Founder/CTO", "founder_bio": "Cofounder at Compound\nCofounder at CS DISCO (IPO 2021)\nYC W11 (TrustEgg)\nUW Law 2009\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gabekrambs/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e1169ea68631dd1e3f67c9adf2e28391d7a7f78.jpg" } ], "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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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": 523, "name": "Standard Treasury", "slug": "standard-treasury", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "website": "http://standardtreasury.com", "all_locations": "San Francisco, CA, USA", "long_description": "Standard Treasury helped banks harness the power of developers and developer ecosystems by building, hosting, maintaining, and supporting white-labeled and co-branded developer platforms for banks worldwide. Standard Treasury partner banks saw material top-line growth through the decreased cost of servicing their customers, decreased churn, and increased transaction volumes, while delivering tremendous value to their customers by allowing them to radically automate their treasury management and accounting processes.", "one_liner": "Banking APIs; acquired by Silicon Valley Bank in August 2015", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523391, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/standard-treasury", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/standard-treasury.json", "year_founded": 2013, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/standard-treasury", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 21238, "full_name": "Daniel Kimerling", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dkimerling/", "x_url": "https://www.twitter.com/dkimerling/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e89a4f5c437233ca5966c570f09a1e6cfc178df1.jpg" }, { "user_id": 54912, "full_name": "Brent Goldman", "title": "Founder/CTO", "founder_bio": "S13 founder of Standard Treasury, one of the first banking API platforms. Pre-IPO at Facebook and Uber. 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Arcus was launched in 2013 through Y-Combinator and is backed by Ignia, Citi Ventures, Softbank, Initialized Capital, Andreessen Horowitz, Kapor Capital, among others.", "one_liner": "Payment-as-a-service that helps any business launch payment solutions", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523698, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "Mexico", "America / Canada", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arcus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/arcus.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arcusfi/?viewAsMember=true", "x_url": "https://twitter.com/arcusfi", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/regalii", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/aec220d04601dd15bfec9a15721da8ac54ba82b6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 38199, "full_name": "Edrizio De La Cruz", "title": "Founder/CEO", "founder_bio": "Edrizio is an ex Visiting Partner at YC and was the co-founder and CEO or Arcus (S'13), which was sold to Mastercard. The company grew to serve over 200 clients and processes billions of dollars annually. In 2021, the company was sold to Mastercard. Edrizio holds an MBA from The Wharton School. He was born in the Dominican Republic, grew up in Harlem and now resides in Miami. He loves comedy, hiking, writing and his 1 year old baby girl.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edrizio-de-la-cruz-2b8ab75/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53eb3894ef94ea5ba10436df035313d206126487.jpg" }, { "user_id": 38198, "full_name": "Juan Maldonado", "title": "Founder", "founder_bio": "Juan was the co-founder & COO/CPO of Arcus, (S' 13). A payments platform for LatAm. He helped build an international team from the ground up and manage all operations as COO; as well as head of people where he was responsible for hiring over 200+ppl. Arcus was acquired by Mastercard in 2021, he's since focused his energy on helping other fellow entrepreneurs as an advisor/Angel investor. \n\nBefore co-founding Arcus, Juan ran Michael Bloombergs financial empowerment center in NYC. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juanmaldonado2/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/731506e6c93fc9310c18605b9332d54dcb33de92.jpg" }, { "user_id": 38197, "full_name": "Iñigo Rumayor", "title": "Founder", "founder_bio": "Iñigo is the CEO of Arcus, a multi-rail payments platform, with a direct connection\nto the RTP network in Mexico (SPEI), which in 2021 became the first acquisition by Mastercard in Latin America.\nHe previously founded Regalii, a cross border bill pay platform where he held\nvarious roles including CRO and COO. Iñigo is a Mexican entrepreneur, originally\nfrom Saltillo, and holds a degree in Economics from the University of Pennsylvania.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/inigorumayor/", "x_url": "https://twitter.com/InigoRumayor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/23df46df4a8777806b8e752ab3523e48b25856e0.jpg" } ], "jobs": [], "news": [ { "title": "Mastercard Expands Support of LatAm Real-Time Payments with Acquisition of Arcus", "url": "https://investor.mastercard.com/investor-news/investor-news-details/2021/Mastercard-Expands-Support-of-Latin-America-Real-Time-Payments-with-Acquisition-of-Arcus/default.aspx", "date": "Dec 03, 2021" } ], "launches": [] }, { "id": 563, "name": "True Link", "slug": "true-link", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1b794ee20f4526f19cea991d495b3ed835119dbc.png", "website": "https://www.truelinkfinancial.com/", "all_locations": "New York City, NY, USA; San Francisco, CA, USA; Remote", "long_description": "True Link exists to provide life-changing financial solutions for people with complex needs and the people who care for them. We founded the company to make life better for our own loved ones, and we’re honored to serve vulnerable elders, people with disabilities, and people in recovery – and their families and professional caregivers – day in and day out.\r\n\r\nWe’re a caring, diverse, values-driven company, with customers who say things like, “Your company saved my marriage,” “If not for True Link my Son would have returned to substance use,” and “This is the single best product I have ever experienced.” We’re a fast-growing fintech startup that also gets to provide our customers a life-changing solution to some of the most deeply personal, important problems in their lives.", "one_liner": "Financial Services for Financial Caregivers. ", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1367523785, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Active", "industries": [ "Fintech" ], "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/true-link", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/true-link.json", "year_founded": 2012, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/2959019", "x_url": "https://twitter.com/truelinkfin", "fb_url": "https://www.facebook.com/truelinkfin/", "cb_url": "https://www.crunchbase.com/organization/true-link-financial", "github_url": "https://github.com/TrueLinkFinancial", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1b794ee20f4526f19cea991d495b3ed835119dbc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 36780, "full_name": "Kai Stinchcombe", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kaistinchcombe", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/077c60119f4a4e831e5322bbacef05dfb232337e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 597, "name": "Axoni", "slug": "axoni", "former_names": [ "TradeBlock" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "website": "https://axoni.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools. ", "one_liner": "Axoni is building the next generation of capital markets technology", "team_size": 155, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1384978765, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Greg and Jeff, brothers and co-founders of Axoni, have worked together for over a decade, bringing complimentary skills leveraging both their unique backgrounds. Greg started his career working on Fixed Income at Citi, leaving to work in tech, while Jeff was the Engineering Lead in a strategy group at Raytheon. In 2013, they recognized the lack of enterprise-grade tools for bitcoin trading and began to build  TradeBlock, their first company, with products for institutional clients including data feeds, an institutional portfolio management platform, and created the road to building technology around core banking transactions. " }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Axoni started in 2016 - originally as an additional business line at TradeBlock, with the goal of overhauling global capital markets infrastructure. In 2016, the company launched announcing an engagement with ICAP’s Post Trade Risk and Information division to optimize post-trade workflows in the foreign exchange market. Later in 2016, seven firms, including Bank of America Merrill Lynch, Citi, Credit Suisse, J.P. Morgan, and The Depository Trust & Clearing Corporation (DTCC) announced the successful test of blockchain technology and smart contracts to manage post-trade lifecycle events for credit default swaps (CDS). In 2017, eleven firms completed a pilot to manage equity swap transactions, leading to the launch of Veris, Axoni’s permissioned ledger network for equity swaps. In 2020, Axoni continued to grow rapidly, including technology partnerships with DirectBooks™, the communication platform for primary issues of corporate bonds and the Options Clearing Corporation (OCC), the world’s largest equity derivatives clearing organization." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The world of capital markets is a massive web of proprietary systems, processing large volumes of highly complex data. It’s built from layers and layers of systems or databases that need to interact to process every trade. These systems were not built anticipating challenges around synchronization with external parties, often breaking as they try to communicate with one another. Despite endless layers of manual and automated reconciliation processes, inter-system data synchronization remains one of the most pervasive and costly problems in capital markets, stemming from risk of synchronization loss, mistranslation, and data integrity. Axoni’s technology allows clients to have provably accurate data in real-time to reduce operational risk and costs, as well as unlock unprecedented opportunities for data analytics." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Our vision is a world of perfectly synchronized data across financial markets, eliminating the massive costs and risk that exist in the markets today. Our goal is to be the  de facto protocol for sharing data in financial markets to enable our clients to move beyond the constraints and inefficiencies of legacy systems. " } ], "url": "https://www.ycombinator.com/companies/axoni", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/axoni.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axoni/", "x_url": "https://twitter.com/axoni", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/axoni", "github_url": "https://github.com/Axoni", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 58403, "full_name": "Greg Schvey", "title": "Founder/CEO", "founder_bio": "Greg is a repeat entrepreneur and drives Axoni’s strategic execution. He previously co-founded TradeBlock and worked as a fixed income analyst at Citigroup. Greg holds a bachelor’s degree from Cornell University where he studied finance.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d62a7c5e825a339b299d13a4aec273319b0723af.jpg" }, { "user_id": 58404, "full_name": "Jeffrey Schvey", "title": "Founder/CTO", "founder_bio": "Jeff oversees all technology at Axoni. He previously co-founded TradeBlock and worked as the Engineering Lead in Raytheon’s strategy group. Jeff holds a master’s degree in engineering from Cornell University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeffschvey/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e3ce8b56378db0470d2bb2e98ac4473e13e5b01b.jpg" } ], "jobs": [], "news": [ { "title": "Axoni Announces $20 Million Equity Financing Led by EJF Ventures with Participation from Laurion Capital, Communitas Capital, and Existing Investors - A X O N I", "url": "https://www.axoni.com/press/axoni-announces-20-million-equity-financing-led-by-ejf-ventures-with-participation-from-laurion-capital-communitas-capital-and-existing-investors/", "date": "Apr 26, 2023" } ], "launches": [] }, { "id": 607, "name": "HoverChat", "slug": "hoverchat", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://hoverchat.com", "all_locations": "San Francisco, CA, USA; Santa Clara, CA, USA", "long_description": "HoverChat is an app focused on making messaging more of a multi-tasking experience and allow users to use the messaging service without interrupting their work flow.\n\nThe app is currently available on Android phones.", "one_liner": "Message without interrupting what you're doing", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1384978889, "tags": [ "Messaging" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "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/hoverchat", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/hoverchat.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/hoverchat", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5286, "full_name": "Wael Nafee", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/wael-nafee-2b78abb/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3e1ac52e07ad707fd4bb207c74d360ee9add559.jpg" }, { "user_id": 42715, "full_name": "Ahmed Galal", "title": "Founder/Designer", "founder_bio": "Head of experience at Noon. ex-Careem, YCW14", "is_active": false, "linkedin_url": "https://linkedin.com/in/galalahmed", "x_url": "https://twitter.com/AhmadGalal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/076d5a4bedd40efe684874d473ffa94aa0387959.jpg" }, { "user_id": 10495, "full_name": "Mostafa Gazar", "title": "Founder", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mostafagazar", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/31a823f769bdd377c80d4b7ee19d2f34588cd7eb.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 611, "name": "Theorem", "slug": "theorem", "former_names": [ "Algorithmic Lending", "Theorem LP" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a07fab3a68d06eb74f5105810d2d86f8ba404c4d.png", "website": "http://theoremlp.com", "all_locations": "San Francisco, CA, USA", "long_description": "Theorem conducts independent underwriting of consumer loans originated by banks, credit cards companies and other lenders. We utilize this information to manage institutional capital and securitize loans", "one_liner": "The mission of Theorem is to make credit safe and available. We use…", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1384978922, "tags": [ "Fintech", "Machine Learning" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "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/theorem", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/theorem.json", "year_founded": 2013, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/theorem-687d", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a07fab3a68d06eb74f5105810d2d86f8ba404c4d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 466, "full_name": "Abeer Agrawal", "title": "Founder/CTO", "founder_bio": "Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. Abeer holds degrees in Electrical & Computer Engineering and Computational Finance from Carnegie Mellon University. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abeera/", "x_url": "https://twitter.com/abeerag", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b1c11e9cdc5a6d8c029444e601da4dec320e0d60.jpg" }, { "user_id": 36334, "full_name": "Hugh Edmundson", "title": "Founder/Managing Partner", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hugh-edmundson-3901612a", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bf7a22abfa1be0c3956085655637b68387c5fe93.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 633, "name": "Zidisha", "slug": "zidisha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "website": "https://www.zidisha.org", "all_locations": "Sterling, VA, USA; Remote", "long_description": "Zidisha is the world's first direct peer-to-peer lending service to bridge the international wealth divide, allowing individuals worldwide to lend to and communicate with borrowers in developing countries without local intermediaries. The direct connection creates better transparency, more profit for the entrepreneurs and lenders, and greater wealth creation for the world's poorest communities. We've been featured in numerous press and media for our groundbreaking work in using internet and mobile phone technologies to connect entrepreneurs in some of the world's most isolated and impoverished places with the international peer-to-peer lending market.", "one_liner": "Direct P2P lending across the international wealth divide.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1384979110, "tags": [ "Fintech", "Marketplace", "Community", "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": true, "batch": "Winter 2014", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/zidisha", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/zidisha.json", "year_founded": 2009, "city": "Sterling", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/ZidishaInc", "fb_url": "https://www.facebook.com/ZidishaInc?sk=wall", "cb_url": "https://www.crunchbase.com/organization/zidisha", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 36608, "full_name": "Julia Kurnia", "title": "Founder/Director", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juliakurnia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1054e490ec16bad75e25310a0a62a945f44e720d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 71010, "title": "Zidisha - Crowdfunding for developing country entrepreneurs", "tagline": "We let you crowdfund and interact directly with remarkable entrepreneurs in developing countries.", "body": "TL;DR: Fund a small business for a low-income entrepreneur in Africa or Asia. Interact directly with your chosen entrepreneur via chat, photos and videos. Then watch your impact multiply as the entrepreneur pays your donation forward by funding other entrepreneurs in need.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/a2a1c289-4c12-44b5-9559-68e075dd0a1d)\n\n### The problem: Developing country businesses lack capital\n\nSmall businesses provide 80% of employment in Africa and other emerging markets - but they lack access to the capital they need to grow and provide more jobs. Too small to be profitable for banks and too large to benefit from consumer loan apps, these businesses are called the “missing middle” because they fall between the tiers served by existing financial infrastructure.\n\nFor example, Daniel started a cybercafe in a low-income neighborhood in Ghana. His facility is the only source of internet access in the community, but it has only two computers and people must wait for hours to use them. Daniel earns barely enough to support his family, and there isn’t enough left over to invest in new machines.\n\n### The solution: Connecting entrepreneurs to investment capital\n\nA friend invites Daniel to use Zidisha, and he signs up and posts his story and photos on the platform. His initial project of $50 is funded by a combination of Zidisha entrepreneurs and philanthropic backers who visit the website. He uses the $50 to buy a printer and add printing services to his cybercafe. Within a couple of months, the printer has paid for itself. Daniel “pays it forward” by funding $50 worth of projects for other fundraising entrepreneurs on the platform.\n\nIn a subsequent project, Daniel raises $300 and uses it to acquire two more second-hand computers. This doubles the capacity of his cybercafe and Daniel’s earnings. Daniel pays the $300 forward to other Zidisha entrepreneurs while continuing to benefit from the increased cash flow. The increased earnings allow Daniel to enroll his daughter in high school.\n\nEventually, Daniel raises $1000 to open a second cybercafe in a nearby neighborhood. He hires two employees to help him manage the second cybercafe.\n\n### How it works\n\nEntrepreneurs in developing countries create project pages where they share their story, photos, and descriptions of their investment opportunity. Projects are funded by backers from all over the world.\n\nInstead of repaying the projects as loans, entrepreneurs “pay it forward” by in turn funding other entrepreneurs on the platform.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/bd8803ee-5359-4009-8d63-e66a4c4fe466)\n\nEntrepreneurs post project updates and interact directly with their backers through the project discussion tab.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/e1786735-029d-492b-b38c-6cafcec477d9)\n\nBackers can view which projects were funded by their entrepreneurs and watch their impact grow over time as the funds continue to be recycled.\n\n### How you can help\n\n* Connect us with impact investors who are interested in creating new opportunities in developing countries. Email the founder, Julia Kurnia, at julia (at) zidisha.org.\n* [Visit our website](https://www.zidisha.org) to meet an entrepreneur today!", "url": "https://www.ycombinator.com/launches/ITK-zidisha-crowdfunding-for-developing-country-entrepreneurs", "votes": 18, "created_at": "2023-04-17T18:46:53.162Z" } ] }, { "id": 658, "name": "Billforward", "slug": "billforward", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.billforward.io/", "all_locations": "San Francisco, CA, USA", "long_description": "San Francisco-based BillForward a YCombinator company is comprised of talented and passionate folks who are excited by the challenges and opportunities of subscription billing. We offer a flexible and innovative billing platform, which gives any type of recurring-payment based businesses the ability to bill customers for sophisticated products and carry out in-depth revenue analysis.\r\n\r\nLaunched in Jan 2013 the platform has already gained great traction in the Telecoms, SaaS, Product as Service and Platform as a Service industries, where product managers and CFO’s have realized that the ability to change their offering in hours, rather than weeks, can give them an edge on the competition.", "one_liner": "Subscription billing, rate plan management and analytics as a…", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907625, "tags": [ "Analytics", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "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/billforward", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/billforward.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/billforward", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/billforward", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 341, "full_name": "Ian Saunders", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "http://linkedin.com/in/ian-m-saunders", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/953eeecff75b66a3fc3eb9ccf64dea661fcfdb92.jpg" }, { "user_id": 5639, "full_name": "Mark Parry", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/maparry", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1324be4541ff0b99f9ab0f072bbe3688f7add544.jpg" }, { "user_id": 40650, "full_name": "Aubone Tennant", "title": "Founder/Chief Growth Officer", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/aubonetennant", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f6463a82c76495d26058b3ddf45ff5da2714f852.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 659, "name": "Bitaccess", "slug": "bitaccess", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08fc941c091f26331f34ae8c8b4c5585da5e276.png", "website": "http://bitaccess.com", "all_locations": "Ottawa, ON, Canada; Toronto, ON, Canada", "long_description": "We make enterprise software for crypto.\r\n\r\nOur leading product is a Bitcoin ATM. Customers have converted over $1B USD of cash into Bitcoin at our network.", "one_liner": "We make bitcoin simple. 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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": 668, "name": "Owners Circle", "slug": "owners-circle", "former_names": [ "Local Lift", "Equity Endeavor" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.ownerscircle.com", "all_locations": "San Francisco, CA, USA; Berkeley, CA, USA", "long_description": "OwnersCircle provides small business owners with the online tools and financial information that they need in order to navigate the complex world of business financing.\r\n\r\nThe reality is that there is no easy way to search for small business financial products, which creates a headache for already time-strapped business owners. Recent reports show that owners spend an enormous amount of time (25 hrs on average) searching and applying for loan products, with many focusing on lenders that have high rejection rates and long, complex processes.\r\n\r\nThere's a better way! There are a growing number of banks and alternative lenders that want to work with small businesses and are willing to compete for their business. Our platform provides owners with the information they need in order to identify, compare, and apply for financial products that can help take their business to the next level.\r\n\r\n\r\nWhy Use OwnersCircle?\r\n\r\n1. Get access to free, online tools to identify financial institutions that actively lend to growing small businesses\r\n2. Shop and compare a variety of lenders and their loan products \r\n3. Use one platform to complete your financing search versus spending countless days researching and completing lender applications only to find out you're not a fit\r\n4. Free access to our team of funding consultants to answer any questions you may have throughout the process\r\n\r\n\r\nWhat Types of Business Financial Products does OwnersCircle Include?\r\n\r\n- Lender Types: Local Banks and Alternative Lenders\r\n- Product Types: SBA Term Loans, Bank Term Loans, Alternative Term Loans, Asset-based Loans and more\r\n\r\n\r\nWhy Would I Need Business Financing?\r\n\r\nNew location or remodel current space\r\nPurchase inventory\r\nPurchase equipment\r\nHire additional employees\r\nManage cash flow\r\nRefinance/consolidate current debt\r\nMarketing and advertising", "one_liner": "Kickstarter for local businesses", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1398907702, "tags": [ "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "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/owners-circle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/owners-circle.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/owners-circle", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 40664, "full_name": "Matthew Christen", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthew-christen-93972186/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/70166d6eb6fb7bcb1f01b81936b518a78679e999.jpg" }, { "user_id": 40662, "full_name": "Broderick McClinton", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/broderick-mcclinton-45708a11", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e38a840bcf2d2ace664f93cc7703e533833248.jpg" }, { "user_id": 40663, "full_name": "Eric Sonnier", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ericsonnier", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f84116bc8d09d47586de5dce0d7c061453bbc710.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 682, "name": "Kash", "slug": "kash", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://withkash.com", "all_locations": "San Francisco, CA, USA", "long_description": "Kash is a San Francisco-based mobile payment company that clears transactions without interchange or card fees and is guaranteed against chargeback. The company gets rid of credit cards and middle-men that stand between bank accounts and retailers. It uses SecureDebit technology, a direct bank payment method that avoids the credit card network and allows retailers to save 2% to 5% in transaction processing fees. 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You deserve free and powerful everyday banking.\r\n\r\nNearly 3 out of 4 millennials would rather go to the dentist than listen to their bank. While it's possible that we just really love our oral hygiene, it's more likely that we don't trust or like our banks.\r\n\r\nIt's not hard to understand why. Big banks use big budgets and armies of salespeople and marketers to sell old-school products layered with fees and penalties. Their profits increase when we spend more, overuse debt, and make mistakes like overdrafting.\r\n\r\nBig banks get away with this because banking is such a vital service. Everyday spending and saving decisions that begin at the checking account ultimately determine whether we'll lead a healthy and secure financial life.\r\n\r\nWhat can be done? Bill Gates believes banks aren't necessary for banking. Millennials believe technology companies can make banking better. So let's build a better bank. 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We started with an advanced trading platform that uses algorithms to provide a competitive advantage to our customers. 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", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/jeff-chang-cfa-cpa-cfe/51/90b/470/", "x_url": "https://twitter.com/jeffchanginvest", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a232e947e6c72a5d7e385a9ba90754f2faf69e7d.jpg" } ], "jobs": [], "news": [ { "title": "Vest Launches a First-of-Its-Kind ETF to Offset Risk of Rising Interest Rates", "url": "https://www.accesswire.com/viewarticle.aspx?id=738065", "date": "Feb 06, 2023" }, { "title": "Who should you listen to about crypto in 2022?", "url": "https://capital.com/who-should-you-listen-to-about-crypto-in-2022", "date": "Feb 04, 2022" }, { "title": "Vest Sees Explosion In Demand For Downside Protection", "url": "https://eqderivatives.com/news/cboe-vest-sees-explosion-in-demand-for-funds-with-structured-payoffs", "date": "Jan 28, 2022" }, { "title": "The Fund That Started the Buffer Category Turns 5 ", "url": "https://www.accesswire.com/viewarticle.aspx?id=664137", "date": "Sep 15, 2021" } ], "launches": [] }, { "id": 812, "name": "Glassjar", "slug": "glassjar", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://glassjar.co", "all_locations": "San Francisco, CA, USA; Mountain View, CA, USA", "long_description": "Glassjar designs and develops software that enables its users to manage their flat's shared expenses. 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. The company offers a dashboard that provides an overview of their flat accounts, such as how much is available to spend, each person’s ledger, and summaries of their previous spending.\n\nGlassjar was founded by Matthew Galloway and George Smith in 2013; and is headquartered in Wellington, New Zealand.", "one_liner": "Clean app for check writing", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1416307421, "tags": [ "Fintech", "Payments" ], "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/glassjar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/glassjar.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/glassjar", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 8951, "full_name": "George Smith", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/georgedotsmith/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd2e67c619a553ca54ea48643fed29daff997580.jpg" }, { "user_id": 63310, "full_name": "Matt Galloway", "title": "Founder/CTO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mpgalloway", "x_url": null, "avatar_thumb_url": "/avatars/thumb/missing.png" } ], "jobs": [], "news": [], "launches": [] }, { "id": 827, "name": "Razorpay", "slug": "razorpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "website": "https://razorpay.com", "all_locations": "Bengaluru, KA, India", "long_description": "The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses.\r\n\r\nOver the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. \r\n\r\nRazorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. \r\n\r\nBe it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience.\r\n\r\nOver the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. \r\n\r\nRazorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform.\r\n\r\nAll these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money. \r\n\r\n", "one_liner": "India's only full-stack financial solutions company for businesses.", "team_size": 2700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1416309883, "tags": [ "Banking as a Service", "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)I met Shashank during our time at IIT Roorkee, and our collaboration began there. We worked on numerous projects together, fueled by our shared passion for coding. In fact, many of the codes we wrote during our college days are still the backbone of Razorpay's operations today. Our bond extended beyond academics; we were instrumental in founding SDS Labs, the software development section of our alma mater. After graduation, our paths diverged geographically, with Shashank moving to the USA to join Microsoft, while I ventured to the Middle East to work with Schlumberger. Despite the distance, our friendship remained strong, and we continued to collaborate on various side projects.One pivotal moment came in 2014 when we embarked on a crowdsourcing platform project to collect online donations for a cause. However, we encountered significant hurdles with existing payment gateway systems. This experience opened our eyes to the challenges faced by Indian businesses, particularly Startups and small businesses, in accepting payments online.Determined to address this gap, we decided to establish Razorpay, driven by a mission to democratize payments for startups and SMEs. Armed with research and fueled by our passion for solving real-world problems, we set out to create a platform that offers simple, affordable, and secure payment solutions.For us, perseverance has been a way of life. We are relentless in our pursuit of identifying and solving the financial challenges faced by small businesses. Whether it's rain or shine, we push through obstacles until we find viable solutions. This resilience has been the cornerstone of Razorpay's growth, propelling us from 10,000 partner businesses in 2017 to over 5 million today." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)Long before we applied to YC, Shashank and I had been fans. Hacker News was our go-to source for information on building startups, and a few months after we started working on Razorpay, we saw an announcement on Hacker News about the YC application period opening up.At that point, Razorpay hadn't launched and we weren't remotely confident about getting in. The YC application process is pretty thorough; there are tough questions that force you to be crystal clear about who you are as a company. Things like how will you differentiate yourself from the competition; how will you acquire market share; how big is your market, and how big will you be in a few years from now? All of those are important questions to discuss internally, and so at a minimum, we thought applying would help us zero in on succinct, precise answers to give both of us clarity, even if we didn't get in.But thankfully our efforts paid off, and we did make the cut. When Shashank Kumar and I found out in late 2014 we'd been accepted into Y Combinator, we figured we'd need to split our time between running Razorpay in Bangalore and joining our fellow founders in Silicon Valley. It was only a few months after we had launched Razorpay and we were afraid of abandoning our customers, even for a bit, just as we were getting off the ground. Ignoring that temptation and spending the full three months of YC in Mountain View was one of the best decisions we ever made.It was a good call to stay in US and not fly back and forth to India, because if we had, we'd have missed out on the full benefit of YC — spending valuable time with the other founders in our batch, meeting successful alumni and building relationships throughout the YC community, and getting mentored by YC partners and other investors.Now, 9 years later, we couldn't be more proud to be [YC's first Indian unicorn](https://techcrunch.com/2020/10/11/razorpay-100-million-billion-valuation-unicorn/). I can honestly say that although we had to work harder during those three months than at any other time in my life, with countless 20-hour days attending YC sessions and dinners and then working late nights supporting our customers in India, I wouldn't change a thing. That's why the best advice I can give to any Indian founder considering YC is to go all in on it the same way we did. The priceless, irreplaceable learning happens when you least expect it — during a late-night drink with another founder in your batch, maybe, or in a spur-of-the-moment meeting with a YC partner. You can't say you'll do 60% or 80% of the YC program, because you can't know where 60% or 80% of YC's advantage is. So figure out how to get 100% of the benefit of it; it'll be hard, and exhausting, definitely, but you will never regret it." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "In 2014, after discovering the dismal state of online payments in India Harshil and Shashank founded Razorpay, **India’s first payment gateway built for Startups** a platform for a simple, affordable, and secure way for businesses to accept payments online. Progressing in the journey that started with payment acceptance, the company also witnessed a progressive acceptance and adoption of digital innovations. But what was surprising was while the big payment players in the market were catering to large businesses, smaller businesses needed immediate attention. In India, **MSMEs are the second largest employment-generating sector after agriculture and contribute around 31% to the nation’s GDP**. One of the major challenges for SMEs & Startups was the lack of technology infrastructure, especially for B2B payment technologies. There was a need for a comprehensive converged payment and banking solution that can help manage the entire money movement (from acceptance to disbursals) within an organisation. This particular thought gave birth to the launch of **Razorpay’s neo-banking platform, RazorpayX, and lending platform Razorpay Capital.** The company now offers a single platform for businesses to manage the entire money flow within an organization. Eight years to now, **Razorpay evolved from being a payment gateway to India’s first full-stack financial solutions company providing intelligent new-age payment and business banking solutions** to help Indian businesses address the entire length and breadth of their payment & banking journey. The company believes that for the next phase of growth in the fintech industry, payment players need to **evolve beyond offering solutions for payment acceptance to managing the entire money flow (from acceptance to disbursements and everything in between). Hence, it is of supreme importance to recognize a market (SMEs & Startups)**, identify challenges, and provide a holistic solution, at scale." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "**Razorpay is committed to building the central nervous system of digital India.** The company aims to change how payments and banking are done for small businesses in India and wants to create a benchmark for the entire world to follow. Razorpay today is India’s leading and first full-stack financial solutions company that offers both payments and banking solutions for businesses on a single platform.  The founding team always wanted to build a platform like this because of the single goal **- to help businesses spend less time managing compliance and operations and more time creating new products, pursuing new ideas, and thinking about how to scale. The company’s vision continues to produce new idea and innovation that benefits millions of businesses even today.** Overall, the company wants to help make India economically more inclusive and is making strides toward that goal. Razorpay believes It’s an exciting time of change and is creating history. Digitization is the lifeblood of any business. It impacts EVERYTHING a business does - from cash flow & hiring to credit, investment & expansion. Businesses can no longer think of digitization as an afterthought! The digital payments landscape has multiplied over the last decade. India has globally positioned itself as a benchmark in digital payments owing to its resilient payment infrastructure, market practices, and proliferation of digital payments across various segments. The adoption of digital payments in the MSME space has unlocked several efficiencies that have driven end-to-end transformation in how small businesses conduct their operations. **India today is amongst the fastest growing Fintech markets in the world**, being the 3rd largest FinTech ecosystem, India has the highest Fintech adoption rate globally (87%). **Razorpay also believes & foresees Indian fintech as the default service provider for the world that can make a difference by bringing customized digital solutions for customers beyond the geographies clubbed with best-in-class fintech technologies.**" } ], "url": "https://www.ycombinator.com/companies/razorpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/razorpay.json", "year_founded": 2014, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/razorpay/", "x_url": "https://twitter.com/razorpay", "fb_url": "https://facebook.com/razorpay", "cb_url": "https://www.crunchbase.com/organization/razorpay", "github_url": "https://github.com/razorpay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d0542247c32aa7d285a58ea7c30e930677376536.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/74cc0eb93855c18a52ffa4468facbd5d5a49f51c.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2139, "full_name": "Harshil Mathur", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/harshil-mathur/69/23a/127", "x_url": "https://twitter.com/harshilmathur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b49464f5e793b8f6bd7b9bf571489df67252ac91.jpg" }, { "user_id": 7125, "full_name": "Shashank Kumar", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "http://www.linkedin.com/in/kumarshashank", "x_url": "https://twitter.com/shashank_kr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4bb41b492aebd9a1fb569c8e80c597ef82941171.jpg" } ], "jobs": [ { "id": 77, "title": "Senior / Principal Engineers", "url": "https://www.ycombinator.com/companies/razorpay/jobs/GQiEGb6ug-senior-principal-engineers", "location": "bangalore", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 6516, "title": "Senior Infrastructure Engineer", "url": "https://www.ycombinator.com/companies/razorpay/jobs/zUemCTA1N-senior-infrastructure-engineer", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 16046, "title": "Senior/Principal Engineer/Manager, Frontend Engineering", "url": "https://www.ycombinator.com/companies/razorpay/jobs/Xpdifpfmk-senior-principal-engineer-manager-frontend-engineering", "location": "Bangalore, Karnataka", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "React", "React Native" ] } ], "news": [ { "title": "et startup of the year razorpay: ET Startup Awards 2022: Razorpay wins Startup of the Year award - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/startups/et-startup-awards-2022-razorpay-wins-startup-of-the-year-award/articleshow/95185680.cms", "date": "Nov 07, 2022" }, { "title": "Razorpay Helps FinTech HostBooks Raise $3M | PYMNTS.com", "url": "https://www.pymnts.com/news/investment-tracker/2022/razorpay-helps-fintech-hostbooks-raise-3m/", "date": "Jun 10, 2022" }, { "title": "YC-backed Indian fintech unicorn enters SEA", "url": "https://www.techinasia.com/ycbacked-fintech-unicorn-razorpay-enters-sea", "date": "Feb 08, 2022" }, { "title": "Indian fintech giant Razorpay valued at $7.5 billion in $375 million funding – TechCrunch", "url": "https://techcrunch.com/2021/12/19/indian-fintech-giant-razorpay-valued-at-7-5-billion-in-375-million-funding/", "date": "Dec 19, 2021" }, { "title": "India’s Razorpay launches faster checkout feature, tops $60 billion TPV – TechCrunch", "url": "https://techcrunch.com/2021/12/08/india-razorpay-launches-faster-checkout-feature-tops-60-billion-tpv/", "date": "Dec 08, 2021" } ], "launches": [] }, { "id": 829, "name": "Seed", "slug": "seed", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://seed.co", "all_locations": "San Francisco, CA, USA", "long_description": "Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier. Learn more at https://seed.co", "one_liner": "Mobile banking for small business.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1416310217, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/seed", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/seed.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/seed-2", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1685, "full_name": "Brian Merritt", "title": "Founder/CEO", "founder_bio": "I built banks. Previously I was the cofounder and CEO of Seed w15 (exited to Cross River Bank) and VP Engineering at Simple (exited to BBVA).", "is_active": true, "linkedin_url": "https://linkedin.com/in/brianmerritt", "x_url": "https://twitter.com/btmerr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/27ff6ef9e4462a7c3d23fdf5fcea92ff7c2c3247.jpg" }, { "user_id": 3704, "full_name": "Ryan Hildebrand", "title": "Founder", "founder_bio": "Seed, W15 (exited to Cross River Bank). \n\nI’m a serial entrepreneur and operator who has spent a large part of my career at the intersection of technology and banking. I've managed accounting for banks, built fintechs, and now I'm a FinTech banker. \n\nI was part of the early team that built Simple (the first consumer fintech bank) and led the process of its sale to BBVA. 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Serica's decentralized custodian service publicly manage assets under custody, allowing safe & low-cost storage of valuable hard assets. Customers leverage DigitalTangible centralized & decentralized trading partner platforms to trade their asset-receipts for bitcoin or other digital money. 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In 2017 Flutterwave was named Africa’s best fintech company at the Apps Africa Innovation Awards.", "one_liner": "Helping businesses make and accept payments from anywhere in Africa.", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1461817211, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "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/flutterwave", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2016/flutterwave.json", "year_founded": 2016, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/flutterwave/", "x_url": "https://twitter.com/theflutterwave", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/flutterwave", "github_url": "https://github.com/Flutterwave", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1078b114f17bc04ce851bf929fc1bab80789469.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 136072, "full_name": "Adeleke Adekoya", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://ng.linkedin.com/in/adeleke-adekoya-68ab7626", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/05222820a71e224e1246e5d5ba6c0914e7cc5cb5.jpg" }, { "user_id": 130970, "full_name": "Olugbenga GB Agboola", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://ng.linkedin.com/in/gbengagb", "x_url": "https://twitter.com/techprod_arch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9480783b30aa070eab62947899f964932bb92be1.jpg" } ], "jobs": [], "news": [ { "title": "Flutterwave enables Google Pay for African Businesses", "url": "https://techcabal.com/2022/09/22/flutterwave-integrates-google-pay-into-payment-options/", "date": "Sep 22, 2022" }, { "title": "African fintech Flutterwave triples valuation to over $3B after $250M Series D – TechCrunch", "url": "https://techcrunch.com/2022/02/16/african-fintech-flutterwave-triples-valuation-to-over-3b-after-250m-series-d/", "date": "Feb 16, 2022" } ], "launches": [] }, { "id": 1303, "name": "Lendsnap", "slug": "lendsnap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26734dd422c43a11f7fc46d4eac4836b94e7fd36.png", "website": "https://openfpga.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "The Digital Mortgage Company\r\n\r\nLenders will write $1.5T of home mortgages in 2017, and will have to evaluate every single borrower's ability to repay. This is expected to cost the industry $15B in human labor. We talked to these humans, and learned that they spend 1/3 of their time just asking other humans for documents and data that are almost universally available online. While the market is slowly moving to transactional data, Lendsnap is the only company helping lenders get ahead of the competition by delivering original electronic documents and data sets. That means portfolios of our lender customers stay completely liquid in the secondary market. No one else can offer that today.\r\n\r\nLendsnap instantly gathers the original borrower documents and data for lenders by linking to consumer financial accounts. We increase loan origination team productivity by 25%+ and save applicants several hours on each application as well. Our intuitive and easy-to-use workflow makes it easy and safe for borrowers to turn in and for loan officers to receive the necessary documents for lenders to make a credit decision.\r\n\r\nAs the only company delivering the right documents and data to originate non-agency loans such as VA, FHA, and subprime, we are able to work with all types of lenders. Furthermore, we are uniquely suited to serve mortgage brokers (12% market share) who have to remain flexible to the credit needs of their diverse borrowers. We are the only post-launch company that delivers actual electronic statements straight from source institutions, such as Bank of America, TurboTax, Chase, and hundreds more.", "one_liner": "The Digital Mortgage Company.", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1462207814, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2016", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/lendsnap", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2016/lendsnap.json", "year_founded": 2014, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/in/orionparrott", "x_url": "https://twitter.com/orionparrott", "fb_url": "https://www.facebook.com/orion.parrott/", "cb_url": null, "github_url": "https://github.com/orionparrott", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/26734dd422c43a11f7fc46d4eac4836b94e7fd36.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 128600, "full_name": "Orion Parrott", "title": "Founder/Founding CEO", "founder_bio": "CEO at https://openfpga.ai/. \nFounding General Partner at Orange DAO https://orangedao.xyz/\nVenture Partner at Taisu Ventures https://www.taisu.io/", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/orionparrott/", "x_url": "https://twitter.com/orionparrott", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/361e4f67864e388bc7624c0cbe070c853a034fc0.jpg" }, { "user_id": 143666, "full_name": "Mike Romano", "title": "Founder/| Vice President of Business Development", "founder_bio": "Sales and business development executive experienced in leading and scaling sales teams in growth environments and driving strategy and execution of key partnerships. \nA former founder of a Y Combinator-backed startup in the mortgage technology space. I'm now leading business development and marketing at another YC-backed firm, Stairs Financial.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mikerromano", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e5c6922fa7657dd5243a4fc9857d4013f161fb95.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1453, "name": "Pit.AI", "slug": "pit-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee5971f7543c1b8d1d76bb765b8acaa206cb1a0b.png", "website": "https://www.pit.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Pit.AI Technologies aims at solving intelligence for investment management. We combine bleeding-edge AI research with powerful computing to automatically mine profitable trading strategies in financial markets. \r\n\r\nOur proprietary pipeline departs from the standard portfolio optimization paradigm in that it avoids making unrealistic assumptions on how markets behave, and it applies the expressiveness of our AI techniques on large scale data to automatically detect and exploit new sources of market inefficiencies, rather than testing or verifying human-generated trading ideas, intuitions, or forecasting models.\r\n\r\nWe believe that the investment management industry is at the dawn of a new AI-led era where trading idea generation will be automated and cost-effective, management fees will be a thing of the past, and fund managers will no longer be paid for merely showing up.", "one_liner": "Solving intelligence for investment management.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1478140832, "tags": [ "Investing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "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/pit-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/pit-ai.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/pit-ai-technologies", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee5971f7543c1b8d1d76bb765b8acaa206cb1a0b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 156930, "full_name": "Yves-Laurent Kom Samo", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://uk.linkedin.com/in/komsamo", "x_url": "https://twitter.com/Dr_YLKS", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7214506ece2aec61435ca550668ccc0ba7882913.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1454, "name": "Arthena", "slug": "arthena", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d4656eb8a75c7b4647f36ee77604160755543cd.png", "website": "https://www.arthena.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Arthena is a financial product that gives you access to the alternative asset class with the highest barrier to entry and strongest historical returns. We invest in the most liquid segment of the art market, with the lowest volatility, yielding tremendous growth uncorrelated to traditional investments. Arthena’s automated and data driven investment strategy regulates art investment by building traditional fund structures. HNWI’s can now securely and confidently diversify their portfolios into alternative assets focusing on the luxury market.\r\n\r\nArthena has designed and built a statistically rigorous model that estimates the value of artwork over time. Since the data we obtain derives from auction records and repeat sales, our model relies on a set of features about each result. These features include include the artist’s name, medium, date of creation, origin of location and size of work. After identifying groups of work that are similar to each other, we calculate the expected ROI and estimated volatility based on the distribution of gains. Using historical auction results to simulate the performance of our funds, we leverage Monte Carlo analysis to determine annualized returns and sharpe ratios. Based on this analysis, Arthena can validate the financial viability of our product and establish statistically rigorous bounds for these estimates.", "one_liner": "Quantitative Investment in Art Assets ", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1478140833, "tags": [ "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arthena", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/arthena.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/arthenaart", "fb_url": "https://www.facebook.com/arthenaart/", "cb_url": "https://www.crunchbase.com/organization/arthena", "github_url": "https://github.com/arthena", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d4656eb8a75c7b4647f36ee77604160755543cd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 165995, "full_name": "Madelaine D'Angelo", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://linkedin.com/in/madelaine-d-angelo-b3508816?trk=hp-identity-name", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d4a83dca3aa4abed5d7df475e535953e65c57d4.jpg" }, { "user_id": 161671, "full_name": "Michael DAngelo", "title": "Founder/CTO", "founder_bio": "mldangelo.com", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaelldangelo", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4644707ea360cae5c0dec8b2628e2662aeb3f9b9.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1464, "name": "Ledger Investing", "slug": "ledger-investing", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3326697b08953d5914d07d4d39f5bca122a18fa8.png", "website": "https://ledgerinvesting.com/", "all_locations": "Washington, DC, USA; United States; Remote", "long_description": "Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing.\r\n\r\nThe company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class.\r\n\r\nLedger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.", "one_liner": "Marketplace for insurance securitization.", "team_size": 85, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1478194834, "tags": [ "Fintech", "Insurance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/ledger-investing", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/ledger-investing.json", "year_founded": 2016, "city": "Washington", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ledger-investing", "x_url": "https://twitter.com/LedgerInvesting", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ledger-investing", "github_url": "https://github.com/LedgerInvesting", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3326697b08953d5914d07d4d39f5bca122a18fa8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 150790, "full_name": "Samir Shah", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samir-shah-7410649", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8dacb177f8e9368c6a166e95196d19481f106eb9.jpg" } ], "jobs": [], "news": [ { "title": "Ledger Investing raises $75 million in Series B led by WestCap | by Julien Brissonneau | Ledger Investing | Medium", "url": "https://medium.com/ledger-investing/ledger-investing-raises-75-million-in-series-b-led-by-westcap-168443c659e3", "date": "Jun 22, 2022" }, { "title": "Ledger Investing raises $10m Series A to scale-up ILS offering - Artemis.bm", "url": "https://www.artemis.bm/news/ledger-investing-raises-10m-series-a-to-scale-up-ils-offering/", "date": "Sep 30, 2020" } ], "launches": [] }, { "id": 1471, "name": "Zinc Platform", "slug": "zinc-platform", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://www.zincplatform.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Zinc Platform, Inc. is focused on providing software that digitizes the last frontier of the mortgage origination process– getting homeowners insurance. Zinc builds technology that integrates with the core systems of today’s modern mortgage lenders to power digital portals for borrowers to procure the homeowners (property) insurance that is required to close a mortgage. Zinc’s technology takes a broken, week-long process and turns it into a delightful five-minute experience. For borrowers, Zinc powers access to all of the nation’s leading insurance carriers. For mortgage lenders, Zinc ensures compliance with underwriting requirements while automating more of the mortgage closing process. Zinc is proudly built in New York City by passionate technologists and business strategists focused on making the process of buying a home a more simple, delightful experience", "one_liner": "Insurance Distribution Infrastructure", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1478194835, "tags": [ "Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "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/zinc-platform", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/zinc-platform.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/zinc-platform", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 136481, "full_name": "Sam Li", "title": "Founder", "founder_bio": "Sam is co-founder and CEO of Thoropass (f.k.a Laika), an information security compliance and audit technology startup backed by leading investors such as JP Morgan and Fin Capital.\n\nThoropass enables companies to get and stay compliant with information security and privacy standards, including SOC 2, ISO 27001, PCI DSS, HITRUST, HIPAA, and many others.\n\nBefore Thoropass, Sam was an EIR at Bain Capital Ventures after running Zinc Platform, a YC-backed insurtech startup as co-founder and CTO. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samsli", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b008a320d89ac9b135f12aaf9ced72ec30276192.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1482, "name": "Sandbox Banking", "slug": "sandbox-banking", "former_names": [ "Sandbox", "AlphaPack", "Sandbox" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://sandboxbanking.com", "all_locations": "Boston, MA, USA; Los Angeles, CA, USA; Remote", "long_description": "Sandbox Banking provides a low-code platform to quickly build and run banking integrations. Our software is literally a web application named Glyue, and it's typically used by banks, credit unions, and fintechs to connect banking systems. 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Whenever you open the app, she’ll chat with you about your finances: letting you know how you’re doing this month, forecasting where you’ll be next month, giving you a heads up about upcoming bills, or even helping you cancel services you don’t use.\n\nPenny makes finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming. 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OneFin is backed by marquee investors from Silicon Valley like Y Combinator, Khosla Ventures, etc. Leading NBFC, SFB and fintech companies in India are our users.\r\n\r\nWe have enabled loan disbursement/migration of around $2B in last few years across more than 1 million loans across education loans, EV financing, business loans, credit line, 2 wheeler financing, personal loans, invoice discounting, and various other credit products.", "one_liner": "Shopify for Financial Services", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1478804688, "tags": [ "Fintech", "SaaS", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/onefin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/onefin.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/onefinin/", "x_url": "https://twitter.com/onefindotin", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/onefin", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6faf92eb91f0ff8910311336fa3f164df398c35.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 161744, "full_name": "Pratish Gandhi", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pratishgandhi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c4e21ee9c2d387b76fcd2f5eff82ffa42f8df7c3.jpg" }, { "user_id": 161768, "full_name": "Harshit Vaishnav", "title": "Founder", "founder_bio": "Co-founder, OneFin", "is_active": true, "linkedin_url": "https://in.linkedin.com/in/harshitv", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b38860fc83dc05c80a5f76bfda8aee434e04f8f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1556, "name": "Brex", "slug": "brex", "former_names": [ "Veyond" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/72237ca3782563f0b12ffe1fe9869d878c153ab6.png", "website": "https://www.brex.com", "all_locations": "San Francisco, CA, USA", "long_description": "Brex is the AI-powered spend platform for modern companies, from startups to enterprises. Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman.\r\n\r\nBrex offers:\r\n- Corporate cards with 10-20x higher limits\r\n- Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance\r\n- Reward options that include billboards, offsites, and coaching\r\n- Founder-friendly financial modeling tools\r\n- Special events and masterclasses for founders\r\n- Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.\r\n\r\n", "one_liner": "Business accounts, corporate cards, and spend management software.", "team_size": 1000, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1481770830, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Henrique Dubugras and Pedro Franceschi founded Brex is 2017, but that’s not when their friendship and entrepreneurial journeys began. In 2012, Henrique and Pedro were both high school seniors living in Brazil (Henrique was in Sao Paulo and Pedro was in Rio de Janeiro). They were both interested in coding and software development, and met on Twitter when they got into a heated exchange about the nuances of coding tools. Twitter’s character limit didn’t allow them to go into too much depth about our respective arguments, so Henrique and Pedro decided to hop on Skype to discuss there instead. They instantly became friends. About a year later in 2013, Henrique and Pedro worked together to launch their first company, [Pagar.me](http://Pagar.me). [Pagar.me](http://Pagar.me) was a startup that allowed Brazilian merchants to accept online payments, similar to what Stripe is now focused on. Three years later, Henrique and Pedro sold [Pagar.me](http://Pagar.me) to Stone, a Brazil-based payments fintech company. This moment led them to the next part of our entrepreneurial journey, where they both decided to come to the U.S. after applying and being accepted into Stanford. Their time at Stanford didn’t last long though —Henrique and Pedro dropped out eight months later after they received funding from Y Combinator to start a VR company. They quickly learned, however, that they didn’t actually know much about the VR world and had a real passion for tech investing.As entrepreneurs themselves, Henrique and Pedro realized how difficult it was for founders to receive enough funding to launch their businesses. They initially wanted to build bank accounts for U.S.-based startups, but pivoted to creating a corporate credit card. Today, Brex has tens of thousands of customers including notable companies like DoorDash, Coinbase, Scale AI, Indeed and more. Today Brex offers a whole range of services like expense management, business accounts, bill pay, financial modeling, travel, and more." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "Brex has loved the ongoing collaboration with YC, including partnering together to host supper club dinners, founder mixers, happy hours and end of batch parties. Brex has continued to lean into the YC community via a billboard program whereby Brex+YC celebrate graduating classes by promoting their companies on prominent billboard placements. " } ], "url": "https://www.ycombinator.com/companies/brex", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/brex.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/brexhq/", "x_url": "https://twitter.com/brexHQ", "fb_url": "https://www.facebook.com/BrexHQ/", "cb_url": "https://www.crunchbase.com/organization/brex", "github_url": "https://github.com/brexhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/72237ca3782563f0b12ffe1fe9869d878c153ab6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1b975086d8d2cde8b4e8b012ce04f5a990c13b17.png" ], "primary_partner": null, "founders": [ { "user_id": 60228, "full_name": "Henrique Dubugras", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://br.linkedin.com/in/henriquedubugras", "x_url": "https://twitter.com/hdubugras", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e61b2b8be0fc201630620a5df8630e858afa8f9.jpg" }, { "user_id": 172964, "full_name": "Pedro Franceschi", "title": "Founder", "founder_bio": "Founder and CEO at Brex.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pfranceschi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1945b735c5504ac4c7626c2fd41e9063d1fae75a.jpg" } ], "jobs": [], "news": [ { "title": "Capital One Strikes $5.15 Billion Deal for Fintech Brex", "url": "https://www.wsj.com/finance/banking/capital-one-to-buy-fintech-brex-e2dacc67?gaa_at=eafs&gaa_n=AWEtsqfBvjODZhaowoYTNJzxJ5W90mvusvRHo90ICbpmtKpeOQUFffy7ySzAywz8QBA%3D&gaa_ts=69729ee2&gaa_sig=BsWPmpXOUvmTklD0a13cPc6BwkaFbGDgyOtQlVGVzazBlRs0hGTCpqOm2OtlbtIrI96mOnH0qvGO5M3BnKAgmA%3D%3D", "date": "Jan 22, 2026" }, { "title": "Fintech Brex Eyes $500 Million in 2025 Revenue as IPO Mulled - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-02-24/fintech-brex-eyes-500-million-in-2025-revenue-as-it-mulls-ipo", "date": "Feb 24, 2025" }, { "title": "Building a startup: The importance of cash management", "url": "https://finance.yahoo.com/video/building-startup-importance-cash-management-225514300.html", "date": "Dec 15, 2023" }, { "title": "Scaling Fast and Compounding Success with Brex Co-Founders & Co-CEOs, Henrique Dubugras and Pedro Franceschi - The Next Great Thing | Podcast on Spotify", "url": "https://open.spotify.com/episode/46a4Psux8GMdfLIYMAROHI?si=9A6iWUPqQQeGM6mZjqVZyQ&utm_source=copy-link&utm_medium=copy-link&_branch_match_id=1189928885100965876&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXLy7IL8lMq9TLyczL1s%2BLTAwzL6zyT3JNAgBO8UyyIAAAAA%3D%3D&nd=1&dlsi=abf5dc220b4947d9", "date": "Oct 25, 2023" }, { "title": "Brex: From Startups to Enterprise Solutions | Entrepreneur", "url": "https://www.entrepreneur.com/growing-a-business/this-12-billion-startup-nearly-imploded-when-the-founders/454714", "date": "Jul 19, 2023" } ], "launches": [] }, { "id": 1576, "name": "Jerry", "slug": "jerry-inc", "former_names": [ "Jerry", "Jerry", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "website": "https://jerry.ai/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Your car and your home are your most expensive assets. And for most people, these aren't just purchases, they're the physical embodiment of the life you've worked hard to build. Yet the experience of owning them is stuck in the 90s. Every step of the journey — buying, insuring, maintaining, repairing, selling — is fragmented, complicated, and expensive.\r\n\r\nImagine having a trusted friend in your pocket who takes care of everything: they find you the right car or home at the right price, lock in the best insurance rate without you lifting a finger, remind you before that service appointment turns into an expensive repair or, worse, an accident, and help you sell at the best price when the time is right. That friend is Jerry.\r\n\r\nJerry is building the first AI agent to manage all your physical assets. We started with car insurance in 2019, became one of the top 3 brokers in the U.S., then added driving insights, diagnostics, and a repair marketplace. We've reached 5M+ customers, raised $240M+, and have been profitable since 2024. We're now expanding into home, motorcycle, RV, and beyond.\r\n\r\nWe’re fully remote with offices in Palo Alto, New York, Chicago, and Toronto.", "one_liner": "Jerry is building the AI agent to manage all your physical assets.", "team_size": 225, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1490767310, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "My co-founders, Lina Zhang and Musawir Shah, and I worked together at my previous startup, YourMechanic, a company that provides mobile automotive repair and maintenance services to vehicle owners at their location. Through that experience and our own personal, frustrating experiences with all car ownership hassles, we knew this was a category ripe for disruption. From determining what car to buy, financing a vehicle, finding insurance, licensing, titles, warranties, repairs, parking, and maintenance, we saw very clearly that services for car owners were lagging behind the ease and convenience offered in other industries. We wanted to remove the friction and make the transactions seamless and less expensive. The three of us set out to launch a product that would solve these hassles for car owners. We started with a car insurance compare-and-buy service that quickly gained traction _Since then we have helped more than 3 million customers shop for car insurance. We’ve also expanded our vision from a car insurance shopping site to a car ownership super app. That is because car insurance is just one of the expensive hassles car owners experience. Today, in addition to our car insurance marketplace, our app helps customers with auto refinancing, safe driving and more._" }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Owning a car is the second largest American household expense. And, so many components of car ownership are complicated and outdated, like buying insurance and refinancing an auto loan. It is a big problem because owning a car should make your life easier but in many ways it makes it more complicated. Through my own experience, I learned that owning a car is not the “American dream” I hoped it would be, but rather, it’s expensive, frustrating and time consuming.We decided to build a product that takes the frustration out of car ownership – starting with shopping for and buying insurance – and makes it easy to save. Through our AI-backed insurance marketplace, car owners can automatically shop from more than 55 top U.S. car insurance companies in 45 seconds and complete the transaction in minutes. This approach to revamping the insurance shopping experience worked and it saves Jerry customers, on average, more than $800 per year.We applied this same automated technology to our auto refinancing marketplace, which takes a typical end-to-end process of 19 days down to less than 48 hours. And our goal is to shrink that even further. _Through insurance and refinancing we’ve started solving the small problems that contribute to the massive frustration that is car ownership in the U.S._ " }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "The long term vision is to create a car ownership super app that supports drivers with all their expensive car hassles, saving them both time and money. Today, we do that through our car insurance and auto refinancing marketplaces, and we offer customers rewards for safe driving with our Drive Well, Earn Perks program. But these aren’t the only expenses drivers incur, which means there are many other opportunities for Jerry to support our customers, with things like maintenance, parking, and more._We want to solve all of those issues. When drivers no longer have to worry about car ownership hassles because they know Jerry is doing the work to save them time and money, we will have achieved our goal._" } ], "url": "https://www.ycombinator.com/companies/jerry-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/jerry-inc.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/jerryinc", "x_url": "https://twitter.com/thejerryapp", "fb_url": "https://www.facebook.com/thejerryapp", "cb_url": "https://www.crunchbase.com/organization/jerry-3", "github_url": "https://github.com/getjerry", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/34930044f8a05060a34c40e68d747618203e63a9.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 5707, "full_name": "Art Agrawal", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/artagrawal", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d05bbcbfec28aecd7655f2eed0f4f0d4dfbdcf2d.jpg" }, { "user_id": 178822, "full_name": "Musawir Shah", "title": "Founder/CTO", "founder_bio": "Hardware/software enthusiast, passionate about building highly usable, highly scalable products. Currently focusing on the art of running an efficient software engineering team, leading with code editor in hand.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/musawirshah", "x_url": "https://twitter.com/musawiralishah", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/43abfca5d95e7459b96f8b335af2d1765f9f16cb.jpg" }, { "user_id": 179634, "full_name": "Lina Zhang", "title": "Founder", "founder_bio": "Co-Founder at Jerry.ai, currently leading legal, people ops, and recruiting. \n\nPrior to Jerry, I scaled operations and supply at YourMechanic (YC W12). Before that, I was a biochemist-turned-attorney specializing in intellectual property and patents at Morrison Foerster. \n\nLifelong student and forever in pursuit of mastery. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lina-zhang-47324721", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/153a8663fcadcfd72a4d5380b6c0f7bb693e37c3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1580, "name": "FAZZ", "slug": "fazz", "former_names": [ "PAYFAZZ" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b71ac4245fd1b313b185f2e767a0c0a96e9b13b9.png", "website": "https://fazzfinancial.com/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "FAZZ is the leading all-in-one finance platform for businesses in Indonesia and Singapore. We are a b2b neobank with payment acceptance capabilities. The company is the market leader among underbanked segments such as warungs / startups and is building a super-app to serve mid-market and enterprise clients. Core features are: \r\n\r\n* Accept payments (e-wallet, bank transfer, credit card)\r\n* Business Cash Account (earn 4% interest)\r\n* Transfer / Pay (payment API's, corporate card, invoice processing via software)\r\n* Lending (instant settlement, invoice financing)\r\n* Value-add SaaS (inventory management, expense management)\r\n\r\nFAZZ processes more than $6 bn of annualized GTV for companies of all sizes (from warungs to fortune 500s) and has achieved $25 mm of annualized Revenue. \r\n\r\nThe company has raised over $74 mm USD from top tier global investors such as Tiger Global, DST, Y Combinator, B Capital Group, and Insignia Ventures. The founders are ex Amazon, Grab, Quora, and Traveloka.", "one_liner": "All-in-one Finance for Every Southeast Asia Business", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1492902064, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast 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/fazz", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/fazz.json", "year_founded": 2017, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/fazz-financial-group/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/fazz-financial", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b71ac4245fd1b313b185f2e767a0c0a96e9b13b9.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": 166315, "full_name": "Hendra Kwik", "title": "Founder/Product Manager", "founder_bio": "Fintech and AI enthusiast.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hendra-kwik-4a291242?trk=hp-identity-name", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b9a13612e0a61c913a234f118c7cb3a6ca913ea.jpg" }, { "user_id": 166370, "full_name": "Jefriyanto", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://id.linkedin.com/in/jefriyanto", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53f56b7a88fb4726b2dc09dcc703709b35354b26.jpg" }, { "user_id": 166424, "full_name": "Ricky Winata", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ricky-winata-75735458", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c0a4135734a4d6cefff756300098ac2ccb9aa559.jpg" } ], "jobs": [], "news": [ { "title": "Southeast Asian fintech Fazz raises $100M Series C to serve businesses of all sizes • TechCrunch", "url": "https://techcrunch.com/2022/09/13/southeast-asian-fintech-fazz-raises-100m-series-c-to-serve-businesses-of-all-sizes/amp/", "date": "Sep 13, 2022" }, { "title": "Payfazz invests $30M in Xfers as the two Southeast Asian fintechs form Fazz Financial Group • TechCrunch", "url": "https://techcrunch.com/2021/03/03/payfazz-invests-30m-in-xfers-as-the-two-southeast-asian-fintechs-form-fazz-financial-group/", "date": "Mar 03, 2021" } ], "launches": [] }, { "id": 1584, "name": "Long Term Stock Exchange", "slug": "long-term-stock-exchange", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c4eb3cefb725e1a8d1e43e578f29268446d786af.png", "website": "http://ltse.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "LTSE partners with companies across their lifecycle to help them grow and scale from formation through IPO. The Long-Term Stock Exchange (LTSE) is an SEC-regulated national securities exchange designed to align great companies and long-term investors with the shared goal of value creation. They have assembled a world-class team of experts and advisors with deep expertise in finance, regulation, law, and technology.\r\n\r\nAt every stage, from private investment into the public markets, strategically managing equity and a company's cap table has an outsized impact on long-term success. So in addition to the exchange, LTSE also built LTSE Equity, a full-lifecycle cap table management solution for planning, managing, and collaborating on startup equity.\r\n\r\nEric Ries, an entrepreneur and author of the New York Times bestseller, The Lean Startup, is the founder of the LTSE. Eric is the creator of the Lean Startup methodology, a global movement and management philosophy practiced by companies large and small. He founded a number of startups, including IMVU, where he served as CTO, and has advised on business and product strategy for startups, venture capital firms, and large companies, including GE, partnering with them on the FastWorks program.", "one_liner": "LTSE is an ecosystem for visionary business.", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1493076695, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/long-term-stock-exchange", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/long-term-stock-exchange.json", "year_founded": 2012, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ltse", "x_url": "https://twitter.com/ltse", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/long-term-stock-exchange", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c4eb3cefb725e1a8d1e43e578f29268446d786af.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 169384, "full_name": "Eric Ries", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eries", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3e69215c9c72f3cced8abbc5b6dd6f83e789438.jpg" }, { "user_id": 195075, "full_name": "John Bautista", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/john-bautista-a010912", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5c73e924952d171c1daefdf78c20592a6d349c1e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1611, "name": "SafeButler", "slug": "safebutler", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/273a5d6a8a8f380e355bc73ae05efdd041e810cb.png", "website": "https://www.safebutler.com", "all_locations": "San Francisco, CA, USA; Sunnyvale, CA, USA", "long_description": "SafeButler is a free comparison tool that searches hundreds of insurance websites at once to find the information you need to make the right decisions on insurance", "one_liner": "Your chief servant for shopping insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493266222, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/safebutler", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/safebutler.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/safebutler", "x_url": "https://twitter.com/safebutler", "fb_url": "https://www.facebook.com/SafeButler-1389857461160463/", "cb_url": "https://www.crunchbase.com/organization/safebutler", "github_url": "https://github.com/safebutler", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/273a5d6a8a8f380e355bc73ae05efdd041e810cb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 91639, "full_name": "Vincent Wei", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/insuretech", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2afea5cbbb53f351ac2bb52eb2a2144dc3b98bbe.jpg" }, { "user_id": 5585, "full_name": "Nan Zhong", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nanzhong/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e7abd8b90db580423809a8c9dd638f261fcd9e1.jpg" } ], "jobs": [ { "id": 31946, "title": "Software Engineer Intern", "url": "https://www.ycombinator.com/companies/safebutler/jobs/lAySXGXNP-software-engineer-intern", "location": "Remote (US)", "type": "Internship", "role": "Engineering", "role_type": "Frontend", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "CSS", "HTML", "JavaScript", "React" ] } ], "news": [], "launches": [] }, { "id": 1629, "name": "Prelim", "slug": "prelim", "former_names": [ "Original Tech", "Inc.", "Original Tech" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c27234ed03e90c2a18c23ce1e2d6616a17be34b.png", "website": "https://prelim.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "At Prelim, we are on a mission to revolutionize the way financial institutions onboard new customers. We believe that the customer onboarding process should be fast, efficient, and user-friendly. As a member of our team, you will have the opportunity to work with cutting-edge technology and make a real impact on the financial industry.\r\n\r\nOur platform allows banks and financial institutions to digitize their services, streamline account opening processes, and improve customer experience. By joining our team, you will be a part of a fast-paced, innovative, and dynamic work environment where you can learn and grow your skills.\r\n\r\nOur team is made up of a diverse group of individuals with a wide range of experience and expertise. We value collaboration, creativity, and a passion for problem-solving. As a member of our team, you will have the opportunity to work with experts in the field, and be challenged to think outside the box.\r\n\r\nIn addition, we offer a comprehensive benefits package, flexible working hours, and a great work-life balance. We are constantly evolving and growing, and we are looking for talented individuals who share our vision and are excited to be a part of our journey. 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[Learn more](https://www.notion.so/cointracker/CoinTracker-is-Hiring-7308c712493940a3b6e62257d283dad8) about our mission, culture, and hiring process.", "one_liner": "The gold standard in cryptocurrency portfolio tracking and taxes", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1509591796, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Consumer" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cointracker", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/cointracker.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cointracker", "x_url": "https://twitter.com/CoinTracker", "fb_url": "https://www.facebook.com/cointracker", "cb_url": "https://www.crunchbase.com/organization/cointracker", "github_url": "https://github.com/coin-tracker", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/097c28935ffe6f2c55f615c50f2a9e6af69ae9d4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/479bec0df033d2fea23de179e57122947d54d172.png" ], "primary_partner": null, "founders": [ { "user_id": 42566, "full_name": "Jon Lerner", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO at CoinTracker and Nino", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonlerner", "x_url": "https://x.com/jon_lerner", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8061625cf88621eed75a922d0b97c29834850b1.jpg" } ], "jobs": [], "news": [ { "title": "CoinTracker raises $100M Series A", "url": "https://www.cointracker.io/blog/cointracker-announces-series-a", "date": "Jan 27, 2022" }, { "title": "CCH Axcess and ProSystem fx Have Crypto Tools", "url": "https://www.accountingweb.com/technology/accounting-software-news/cch-axcess-and-prosystem-fx-have-crypto-tools", "date": "Jun 29, 2021" }, { "title": "CoinTracker Passes 100K Users, Announces Six New Partners", "url": "https://cointelegraph.com/news/cointracker-passes-100k-users-announces-six-new-partners", "date": "Jun 29, 2021" }, { "title": "Cryptocurrency and the IRS: What No One Knew About Taxes", "url": "https://talksat.withgoogle.com/talk/cryptocurrency-and-the-irs-what-no-one-knew-about-taxes", "date": "Jun 29, 2021" }, { "title": "CoinTracker Adds 6 Industry Partnerships for Its Crypto Tax Reporting Tool", "url": "https://www.coindesk.com/cointracker-adds-6-industry-partnerships-for-its-crypto-tax-reporting-tool", "date": "Apr 02, 2020" } ], "launches": [ { "id": 104994, "title": "Nino: a family office for the rest of us", "tagline": "A dedicated CFP and CPA team, backed by AI that connects your taxes, equity, investments, cash, and real estate into one always-current plan.", "body": "Jon here, co-founder and CEO of CoinTracker (W18). Today we're launching **Nino** in beta: a dedicated CFP and CPA team, backed by an AI platform that sees your whole financial picture. The advice that used to require a family office, for the rest of us.\n\n\n\n**The backstory**\n\nIn 2014, I pitched a panel of YC partners on an idea I called Nino: a personal assistant that could actually get things done for you. They passed; Justin Kan told me it was a little too early, and he was right. The detour to make it buildable became CoinTracker, now the market leader in crypto tax with 100k+ paying subscribers. Twelve years later, AI can finally be the agent, and after twelve years inside people's financial data, we know exactly what to build.\n\n**The problem**\n\nMy CPA saw last year's return and my financial advisor didn't touch taxes. Nobody saw my whole picture, and nobody kept a plan current as my life and the tax rules changed. That default costs real money: missed exercise windows on stock options, surprise AMT bills, deductions nobody caught.\n\n**How it works**\n\nEvery account connects in one place: investments, equity comp, cash, real estate, retirement, and crypto via CoinTracker. The AI models your net worth and simulates decisions like exercising ISOs or buying a home against your real numbers. A dedicated CPA and CFP review everything with you and plan year-round, not just in April. The AI does the modeling; licensed humans bring the judgment.\n\nExplore more at \n\n**Who it's for**\n\nFounders and startup employees with ISOs or RSUs, executives, and anyone whose financial picture has outgrown a single professional. Flat fee, no AUM.\n\n**The ask**\n\nWe're onboarding early customers from our waitlist as capacity allows. **Sign up at [usenino.com](http://usenino.com)** — and I'd love your feedback.\n\n**Screenshots**\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/fe718e32-cdbc-422d-967d-1c3de0cc7776)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/badc0e57-9f7e-490b-80af-2b59c310bafa)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/f41fa406-3ef8-45a6-b94e-a6e2a8b2b5b7)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/2a354915-549e-4c84-8b1f-c6700cd811a0)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/781d93a8-15a9-4b97-9897-1cec88205669)\n\n", "url": "https://www.ycombinator.com/launches/RJS-nino-a-family-office-for-the-rest-of-us", "votes": 4, "created_at": "2026-07-08T17:24:41.800Z" } ] }, { "id": 1806, "name": "Flinto", "slug": "flinto", "former_names": [ "Flint" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea3b87fd86a38827492c7301ba323f80925ce00c.png", "website": "http://flinto.app", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Send money to friends, pay at merchants, and take care of your bills through your phone, even without a bank account.", "one_liner": "Mexico's digital wallet", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1510113782, "tags": [ "Fintech", "Consumer", "Latin America" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/flinto", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/flinto.json", "year_founded": 2017, "city": "Mexico City", "country": "MX", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/flint-5762", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea3b87fd86a38827492c7301ba323f80925ce00c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 198907, "full_name": "Tiago Sada", "title": "Founder/CEO", "founder_bio": "Building Worldcoin", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/santiagosada", "x_url": "https://twitter.com/tiagosada", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eee5dd2f04ceb80fdc16ecd5ff302848904fa8d4.jpg" }, { "user_id": 218172, "full_name": "Eugenio Sánchez Rabiella", "title": "Founder/Head of Marketing", "founder_bio": "2X YC Founder at Flinto (W18) and MagnaPlay (W23), currently leading GTM at Mesmer (P25)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cesrabiella/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8eea783798a3df4047c9dea2ef48ce3cda9b8ce1.jpg" }, { "user_id": 217773, "full_name": "Alonso Garcia Molina", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alonso-garcia-molina-962a56150/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0d5a1cb3ab4f5236259afb9c2c9e46a38148ba36.jpg" } ], "jobs": [], "news": [ { "title": "Grin acquires payment app Flinto", "url": "https://techcrunch.com/2019/06/05/grow-mobility-the-micromobility-startup-formerly-known-as-grin-merges-with-payment-system-flinto/", "date": "Jun 05, 2019" }, { "title": "Flinto raises $1.5M pre-seed round", "url": "https://expansion.mx/emprendedores/2018/06/25/flint-levanta-capital-en-silicon-valley-para-facilitar-los-pagos-con-app", "date": "Jun 27, 2018" } ], "launches": [] }, { "id": 1810, "name": "Treasury Prime", "slug": "treasury-prime", "former_names": [ "Ronin Financial Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fb0b666cc71eaf3fdcc64a67ec3b353f2339e37f.png", "website": "https://treasuryprime.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Founded in 2017, Treasury Prime is an embedded banking software platform connecting enterprise companies to a vast marketplace of banks and product partners to launch next-gen payment ecosystems on their platform. Our banking API offers the quickest, most secure way for fintechs and banks to partner, integrate and build modern financial products and increase revenue streams.\r\n\r\nWe power enterprise-class embedded banking solutions for a range of complex services including money transfer, risk mitigation and integration with bank infrastructure. It's these leading-edge capabilities that helped the company to win Best Banking-as-a-Service Platform from Tearsheet in 2021 and 2022. The company was also named to CB Insights’ annual 2021 Fintech 250 list.\r\n", "one_liner": "Embedded banking software platform and marketplace", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1510113792, "tags": [ "Banking as a Service", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/treasury-prime", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/treasury-prime.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/treasuryprime/", "x_url": "https://twitter.com/treasuryprime", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/treasury-prime", "github_url": "https://github.com/treasuryprime", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fb0b666cc71eaf3fdcc64a67ec3b353f2339e37f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 29006, "full_name": "Chris Dean", "title": "Founder/CEO", "founder_bio": "Founder of Treasury Prime.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ctdean/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/939336b582bd0e0db31d9979ca69710a514eed47.jpg" } ], "jobs": [], "news": [ { "title": "Proving that banking as a service is hotter than ever, Treasury Prime raises $40M Series C • TechCrunch", "url": "https://techcrunch.com/2023/02/01/proving-that-banking-as-a-service-is-hotter-than-ever-treasury-prime-raises-40m-series-c/", "date": "Feb 01, 2023" }, { "title": "Embedded finance startup Treasury Prime raises $40M", "url": "https://www.axios.com/pro/fintech-deals/2023/02/01/treasury-prime-raises-40m", "date": "Feb 01, 2023" }, { "title": "Treasury Prime Named \"Best Banking-as-a-Service (BaaS) Platform\" by Tearsheet for Second Year in a Row", "url": "https://www.treasuryprime.com/newsroom/tearsheet-best-baas", "date": "Jan 06, 2023" }, { "title": "Treasury Prime raises $20M to scale its banking-as-a-service biz • TechCrunch", "url": "https://techcrunch.com/2021/05/12/treasury-prime-series-b/", "date": "May 12, 2021" } ], "launches": [] }, { "id": 1832, "name": "Tilt (f.k.a. Delphia)", "slug": "tilt-fka-delphia", "former_names": [ "Vox Pop Labs", "Delphia", "Delphia (d.b.a. Tilt)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d97c7b6a062bbf024d979f3e67fe169d6f103b8b.png", "website": "http://tilt.io", "all_locations": "Toronto, ON, Canada; Remote", "long_description": "Tilt is building the audited methodology layer agents call before touching portfolios. As agents begin managing real portfolios, they need a neutral trusted source of verified investment logic before they can act.\r\n\r\nWe operate across two connected surfaces: InvestOS, an open standard that lets any brokerage or platform plug verified methodology into its own AI experience; and Tilt, the reference implementation of InvestOS. Tilt is an agentic harness where investors, portfolio managers, and creators can author, remix, and publish strategies. \r\n\r\nIf you're thinking about working here, our mission is to price the world's information.", "one_liner": "GitHub for Investment Methodology", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1510196648, "tags": [ "Fintech", "Machine Learning", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Canada", "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/tilt-fka-delphia", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/tilt-fka-delphia.json", "year_founded": 2018, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/ridethetilt", "x_url": "http://twitter.com/tilthq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tilt-2b0b", "github_url": "https://github.com/delphia", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d97c7b6a062bbf024d979f3e67fe169d6f103b8b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 16531, "full_name": "Andrew Peek", "title": "Founder/CEO", "founder_bio": "Andrew is an entrepreneur and angel investor. He's the founder and CEO of Agora Intelligence, makers of Tilt — an open standard for rules-based investment methodology. Prior to Tilt, he co-founded Delphia, an investment collective where people pooled data to access investment strategies. Delphia built and sold a systematic hedge fund (to Acadian) alongside other investment technologies using ML.", "is_active": true, "linkedin_url": "https://linkedin.com/in/drupeek", "x_url": "https://twitter.com/drupeek", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fbcb7af4081ddfb29f13cb7e9a0a63723c9adf16.jpg" }, { "user_id": 109764, "full_name": "Cliff van der Linden", "title": "Founder/CEO", "founder_bio": "Cliff is a computational social science professor and serial entrepreneur, having founded and led numerous companies including non-profit organizations and venture-backed technology start-ups. He is founder and CEO of Vox Pop Labs, a social enterprise that empowers informed decisions through innovative digital products and advanced analytics.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/cliffvanderlinden", "x_url": "https://x.com/CliffvdLinden", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1c18551d7b0fa9d6735bf02b8fbcc838e3ed3b2.jpg" } ], "jobs": [ { "id": 101589, "title": "Principal Product Designer", "url": "https://www.ycombinator.com/companies/tilt-fka-delphia/jobs/uX5Z3wu-principal-product-designer", "location": "Remote (US)", "type": "Full-time", "role": "Design", "role_type": "Design manager", "salary_range": "$190K - $240K", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [ "CSS", "HTML", "Design systems", "Figma", "AI Agents" ] }, { "id": 101590, "title": "Principal Product Engineer", "url": "https://www.ycombinator.com/companies/tilt-fka-delphia/jobs/xw5q6Cb-principal-product-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$220K - $280K", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "GraphQL", "Kubernetes", "Node.js", "PostgreSQL", "Python", "TypeScript", "Distributed Systems", "Docker", "Next.js" ] }, { "id": 101591, "title": "Principal AI/ML Engineer", "url": "https://www.ycombinator.com/companies/tilt-fka-delphia/jobs/gaZkVCo-principal-ai-ml-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$240K - $320K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "ML", "Python", "TensorFlow", "Torch/PyTorch", "Machine Learning", "Prompt Engineering", "LLMs", "RAG", "Vector Databases", "AI Agents", "MLOps", "LangChain" ] }, { "id": 101592, "title": "Staff Data Engineer", "url": "https://www.ycombinator.com/companies/tilt-fka-delphia/jobs/J4WV5Bg-staff-data-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "$210K - $270K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "PostgreSQL", "Python", "SQL", "ETL", "Data Modeling", "Data Analytics" ] } ], "news": [ { "title": "Multicoin Capital leads $60M investment in Delphia to give retail investors edge against hedge funds – TechCrunch", "url": "https://techcrunch.com/2022/06/08/multicoin-capital-leads-60m-investment-in-delphia-to-give-retail-investors-edge-against-hedge-funds/", "date": "Jun 08, 2022" } ], "launches": [] }, { "id": 1833, "name": "SafetyWing", "slug": "safetywing", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb944ea80d22a29ddc64949877063e0dd8d1343.png", "website": "http://www.safetywing.com", "all_locations": "San Francisco, CA, USA; 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We use **AI for bank account creation,** quick transactions, simplified onboarding and verification processes, and user-friendly management tools.\\\n—\n\n### **The Problem**\n\nStartups and PE/VC funds have to rely on multiple systems, PDF files, and manual processes to raise capital, manage investors, and handle payments. Bank accounts can take weeks if not months to create. These disconnected and inefficient methods are slow, costly, and prone to errors. In addition, the existing tools and technology used in this process were often manual and didn't seamlessly integrate across different systems.\n\n### **Our Solution**\n\nOWNY is a platform that leverages AI tools and the latest technology to facilitate efficient capital management and payment flow. It offers quick transactions, simplified onboarding and verification processes, and user-friendly management tools to address challenges in the startup and private equity sectors. By utilizing AI and standardization, OWNY aims to streamline processes and enhance overall functionality.\n\nAccounts typically get approved on the same day.\n\n![uploaded image](/media/?type=post&id=74815&key=user_uploads/58186/798f7228-205f-4620-b3df-2b54c54643e7)\n\nCompanies can benefit by using OWNY’s ready to use & **free** tools to manage:\n\n* **Raising SAFE capital** - use ready-to-go YC SAFE templates to collect signatures and payments in minutes.\n* **Foreign currency needs** - OWNY enables you to hold balances in USD and 30 other major currencies.\n* **FX payments** - send and receive payments from anywhere in the world. We negotiated very hard to give our users the best FX rates. Let us know if you find a better FX rate and we will match it.\n* **Treasury & Yield** - simply click to transfer your cash to start earning up to **5\\.5% APY** with the US-based systematically important banks. No lockups. **$1 minimum**. **FDIC** **insured** up to $175M.\n* **PE/VC funds** - launch a fund using our free standard templates or bring your own fund documents. Do it yourself for free.\n* **Manage investors** - send updates, run capital calls, and make distributions for any fund type. Free.\n\nWant to give it a shot? Try it here: [**https://www.owny.com/signup**](https://www.owny.com/signup)\n\n### **Who we are**\n\n[Umed Latifov](https://www.linkedin.com/in/lumed/) & [Ola Wiberg](https://www.linkedin.com/in/olawiberg/) have many years of experience in banking and technology. Notably, Ola was co-founder of **Human API**, which was recently acquired for 9+ figures. Umed has spent years in PE/VC investing and was **Central Bank Governor** for a country.\\\n\\\nPlease reach out if you have any questions: [**support+yc@owny.com**](mailto:support+yc@owny.com)", "url": "https://www.ycombinator.com/launches/JSh-owny-ai-centric-capital-and-banking-solutions", "votes": 8, "created_at": "2023-09-12T22:36:11.117Z" } ] }, { "id": 1900, "name": "Satchel", "slug": "satchel", "former_names": [ "Send Reality" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/804e5d168311f12d90d32904b63bf345c1856c27.png", "website": "https://satchel.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1524625562, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "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/satchel", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/satchel.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/804e5d168311f12d90d32904b63bf345c1856c27.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 142987, "full_name": "Andrew Chen", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/achen28", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a06d17f7695de9a264ecd9262714773585384e8.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1914, "name": "Titan", "slug": "titan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/19f24c2787f58320fe1255e16516516512e17575.png", "website": "http://www.titan.com", "all_locations": "New York City, NY, USA", "long_description": "Titan is an award-winning wealth manager with a mission to increase our generation’s compound growth rate. 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(i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Alpha Vantage began as a passion project started by the founders while they were attending grad school together. The idea was conceived through a shared interest in the stock markets and investing as well as a fundamental desire to make something that the founders themselves would want to use. Truthfully, the founders did not originally build Alpha Vantage with the intention of creating a business out of it, but the exponential user adoption and intensity of usage made the decision to start a business natural and obvious - as well as the best way for us to serve our users (and eventually paying customers)." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "A close friend and classmate in graduate school, Lee Lin, encouraged us to apply. Lee went through YC in S09 (incidentally, the same batch as Stripe!) and supported us throughout our entire YC journey by providing valuable feedback on our application, giving us practical advice on the interview, and even flying into California just to attend our Demo Day! The written application itself was very straightforward. YC makes it extremely easy with their online application. If you are working on a startup or even just an idea, you having absolutely nothing to lose by writing and submitting an application! I will admit that the interview (in-person at YC’s HQ in Mountain View, CA) was quite stressful. The nervous energy that permeated the air of the lobby and lounge area, mere steps away from the rooms in which interviews were taking place, was palpable. Naturally, the interview was the classic 10-min rapid fire format. I recall one of the first questions we were asked was quite pointed: “Many have tried to build what you two are doing and failed. How are you guys different?” Deep breathe. Do not get defensive. Answer the question succinctly and confidently. The 10 min were over before we knew it. It was stressful, but fair. Afterwards, we went to Castro street in downtown Mountain View to have dinner. In the middle of dinner, we received the call that would forever change our lives (“We would love to fund you guys!”). We immediately accepted YC’s offer of funding over the phone. We ended up having about a month from our acceptance into YC until the actual start of the batch. In the interim, there were some housekeeping items to attend to such as sending copies of our startup’s incorporation documents and other legal documents to YC’s Legal team and Finance team for review so we could receive YC’s investment! While still in the Bay Area, shortly after our interview, I remember attending a pre-batch kick-off event where Michael Seibel welcomed us to YC. I recall Michael said (paraphrasing), “So, technically the ‘batch’ has not started yet officially… but ‘YC itself’ has already started. So… I suggest you all get started! Like, right now! You can literally start booking office hours today! Start building and talking to your customers! We’ll see you this summer!”) Before long the summer came and the formal programming of the batch began. Things moved fast and we quickly settled into what would become a familiar rhythm: Write code. Talk to customers. Write more code. Talk to more customers. Write even more code. Talk to even more customers. Rinse and repeat. The weekly small group office hours and dinner events were highlights of each week that served to inspire and invigorate. The first dinner event featured the co-founder of Airbnb as a guest speaker, and subsequent dinner guests included Garry Tan (now president of YC!), Brian Armstrong (Coinbase), and even a special guest appearance from the legends themselves - Paul Graham and Jessica Livingston! Demo Day and fundraising were the culmination of our three months of hard work during the batch. The event would be split over two days and held at the venerable Computer History Museum in Mountain View, CA. Sadly, our batch (S18) would be the last batch to be hosted by the museum for Demo Day (due to the larger sizes of subsequent batches). Much like the lobby and lounge of YC’s HQ on interview day, the nervous energy in the backstage green room of the Computer History Museum auditorium was palpable with people pacing back and forth, meditating, or silently rehearsing their pitch one last time. Before long, it was our turn, and the Batch Director fitted the one of us who would be speaking (Olivier) with a microphone and sent us out on stage. The pitch exceeded our own expectations and was delivered with gravitas, poise, and even a touch of humor. The successful pitch was all thanks to the generous time and support of many partners, most notably our group partners Aaron Harris, Adora Cheung, and Yuri Sagalov, but also other partners including Dalton Caldwell. As soon as we finished our pitch, the “likes” from investors came flooding in through the Demo Day software. Fundraising is usually a tough slog and one has to usually deal with many rejections for every “yes” that they receive. The whole process can take several months to upwards of an entire year. We were very fortunate to be in the top-third of our batch in terms of ease of fundraising, with far more “yes” than “no” responses and we were ultimately able to wrap up our fundraising in less than a week. I will note that success in fundraising at Demo Day is not necessarily predictive of future success as a company - so do not get lulled into a false sense of security just because fundraising comes relatively easier to you at Demo Day. There is a quite a vast distance between the moment that one decides to start a company and the moment that one actually sees it get off the ground. Unfortunately, the reality of startup life is that the journey across this distance (and beyond) can often be emotionally brutal; rife with feelings of intense loneliness which have to be balanced against a massive faith in what you are doing – a faith that is hard to sustain alone. We can truly think of no other partner we would want more than YC in embarking on such a journey. Special thanks to our group partners Aaron Harris, Adora Cheung, and Yuri Sagalov. They did NOT read drafts of this write-up, but we can unequivocally say that we would not have made it this far if it were not for their support and wise counsel." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "After our YC batch formally concluded in Sep 2018, we have kept in touch with the YC community through YC’s internal social network Bookface (think of it as a combination of LinkedIn, Quora, and Wikipedia). > Olivier: “I check Bookface at least once a day and it has been an invaluable source of knowledge, tips & tricks, and sometimes much needed humor/relief from the occasional ennui that comes with the territory of being a founder.”Alumni Demo Days (a dress rehearsal / practice-run of Demo Day in which the audience is made up of YC alumni / affiliates instead of professional investors) are also another excellent way for alumni to remained connected with the YC community. > Olivier: “I have attended every single Alumni Demo Day since becoming an alum. For the W19 and S19 batches, I was fortunate to attend in-person in San Francisco. These were very fun, well organized events and doubled as a kind of ‘YC mini-reunion’ of sorts - I miss them greatly. All subsequent batches (W20, S20, W21, S21, W22, S22) I have attended were done remotely through Zoom. Remote Demo Days have also been well organized (and with great music!), but naturally, they cannot compete with the experience of being in-person!”" }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Alpha Vantage began as a passion project created over winter break while the co-founders were in grad school together. Our first major inflection point came less than two months after Alpha Vantage went live, when a large incumbent/competitor called Yahoo Finance abruptly pulled the plug on their market data API, resulting in a massive influx of self-proclaimed “Yahoo Finance shipwreck survivors” (users who were previously using the Yahoo Finance market data API) coming to Alpha Vantage. Seemingly overnight the number of our active users and the number of API queries processed jumped by over 10x. We have never looked back since." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "High quality financial market information (e.g. stock price data of publicly traded companies) has traditionally been available only to large organizations/institutions and generally inaccessible (or very high friction to access) for individual end users. Companies such as Bloomberg and Thomson Reuters have created multi-billion dollar businesses catering to these large organizations/institutions and a specific type of user: the Wall Street trader. Traders in the modern day; however, are different. Traders today more closely resemble software developers who would prefer to access data via API as opposed to a closed-system such as a Bloomberg terminal (an expensive piece of financial hardware that one would find in virtually every financial institution). We know this for a fact because the exponential adoption and the intensity of usage of our APIs from the earliest days of our company all the way to the present have proven this time and time again." } ], "url": "https://www.ycombinator.com/companies/alpha-vantage", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/alpha-vantage.json", "year_founded": 2017, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/alpha-vantage-inc/", "x_url": "https://twitter.com/alpha_vantage", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/alpha-vantage", "github_url": "https://github.com/alphavantage", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fccb7b1e6dbde25d668a442439b79122df4f20cd.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/42/1534806485332-jb35l938txj-93b07f210ff9101acc71ee93df098fcb/a510b61aa204d7c68ad0fdd2bd25bb1b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022641Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=017f2a2d3643907ee3fabb5a31514115644e98967f9346e250e7e838624ad1a2", "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/86c06613e203e363249cd5677cc9d1e3928ce7ea.png" ], "primary_partner": null, "founders": [ { "user_id": 233513, "full_name": "Olivier Porte", "title": "Founder", "founder_bio": "I was born in London, UK and raised in Tokyo, Japan and the Bay Area. \nI co-founded Alpha Vantage in 2017, an API/dev tools company that was fortunate to be in the Summer 2018 batch. Today I continue to run Alpha Vantage day-to-day while also doing angel investing (mostly YC startups) on the side. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/olivier-porte/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e5d477e7bdc0416e7eb54117f4f873e5458db47.jpg" }, { "user_id": 241864, "full_name": "Steve Zheng", "title": "Founder", "founder_bio": "Cofounder of Alpha Vantage", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a0c1c2e49661aec559a8d6a3f9aa45fc01dbac64.jpg" } ], "jobs": [ { "id": 56146, "title": "GTM team (Various roles available)", "url": "https://www.ycombinator.com/companies/alpha-vantage/jobs/mddXfsI-gtm-team-various-roles-available", "location": "Boston, MA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $85K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 92157, "title": "Growth Manager", "url": "https://www.ycombinator.com/companies/alpha-vantage/jobs/q3F0qLh-growth-manager", "location": "Boston, MA, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$75K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Growth design", "Marketing design" ] } ], "news": [ { "title": "The Best MCP Servers for Stock Market Data in 2026 | API.market", "url": "https://api.market/blog/magicapi/stock-market-api/best-mcp-servers-stock-market-data", "date": "May 20, 2026" }, { "title": "Choosing the Best Stock Market API: A Practical Review of Data Providers", "url": "https://www.insightbig.com/post/choosing-the-best-stock-market-api-a-practical-review-of-data-providers", "date": "May 19, 2026" }, { "title": "Best Stock APIs in 2026: A Practical Guide | May, 2026 | DataDrivenInvestor", "url": "https://medium.datadriveninvestor.com/best-stock-apis-in-2026-a-practical-guide-d6c8a8a69afe", "date": "May 18, 2026" }, { "title": "The Best Stock Market APIs in 2026 | Data Science Collective | May, 2026 ", "url": "https://medium.com/data-science-collective/the-best-stock-market-apis-in-2026-b74d0fe8ac41", "date": "May 15, 2026" }, { "title": "Top Stock Market APIs You Must Be Aware of | DataDrivenInvestor", "url": "https://medium.datadriveninvestor.com/top-stock-market-apis-you-must-be-aware-of-80c5d3a5e1cb", "date": "May 03, 2026" } ], "launches": [] }, { "id": 1988, "name": "Prodigal", "slug": "prodigal", "former_names": [ "Prodigal technologies", "Prodigal Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "website": "https://prodigaltech.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We build AI agents for loan servicing and collections\r\n\r\nProdigal has AI agents for loan servicing and collections. Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments.\r\n\r\nWe are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue. \r\n\r\nHeadquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.", "one_liner": "Lending Intelligence Software", "team_size": 99, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1525745154, "tags": [ "Fintech", "SaaS", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/prodigal", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/prodigal.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/prodigaltech", "x_url": "https://twitter.com/prodigaltech", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/prodigal-3824", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 78759, "full_name": "Shantanu Gangal", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shantanugangal", "x_url": "https://www.twitter.com/shantanugangal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4439a77db2c062b6338fc10ddf69b54468cb8ba3.jpg" }, { "user_id": 83869, "full_name": "Sangram Raje", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sangramraje", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a2fc45ba0161b9fcb7e6f297d72825d5229b387.jpg" } ], "jobs": [ { "id": 102428, "title": "Mid Market Account Executive", "url": "https://www.ycombinator.com/companies/prodigal/jobs/NXREZTw-mid-market-account-executive", "location": "Mountain View, California, United States", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$200K - $280K", "equity_range": "0.01% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108353, "title": "Finance Manager ", "url": "https://www.ycombinator.com/companies/prodigal/jobs/jq0CTZJ-finance-manager", "location": "Mumbai, Maharashtra, India", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹1.5M - ₹2.8M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Prodigal Unveils New Product Suite to Provide Real-Time Insights to Call Centers in Financial Services", "url": "https://www.prnewswire.com/news-releases/prodigal-unveils-new-product-suite-to-provide-real-time-insights-to-call-centers-in-financial-services-301452742.html", "date": "Oct 07, 2022" }, { "title": "Prodigal Launches Real-Time Agent Assistance for Consumer Finance", "url": "https://finance.yahoo.com/news/prodigal-launches-real-time-agent-124600628.html", "date": "Oct 07, 2022" }, { "title": "Consumer Portfolio Services Chooses Prodigal to Advance its FinTech Platform with Backend Servicing and Support in Specialty Financing", "url": "https://www.prnewswire.com/news-releases/consumer-portfolio-services-chooses-prodigal-to-advance-its-fintech-platform-with-backend-servicing-and-support-in-specialty-financing-301624719.html", "date": "Oct 07, 2022" }, { "title": "Finvi, Prodigal Partner on Revenue Recovery | PYMNTS.com", "url": "https://www.pymnts.com/partnerships/2022/finvi-prodigal-partner-conversation-intelligence-revenue-recovery/", "date": "Aug 29, 2022" }, { "title": "[Funding alert] Debt-collection software maker Prodigal raises $12M led by Menlo Ventures", "url": "https://yourstory.com/2021/07/funding-debt-collection-software-maker-prodigal-seriesa-menlo-ventures/amp", "date": "Jul 22, 2021" } ], "launches": [ { "id": 88664, "title": "PIE: Prodigal Intelligence Engine", "tagline": "Intelligence platform for consumer finance AI agents", "body": "[Launch video](https://youtu.be/YIvQ-lQGQCw?si=w3PRVeTR8UKof41J)\\\n\\\nPIE (Prodigal Intelligence Engine) is the data integration and intelligence layer that powers our specialized AI agents for consumer finance.\n\n## The Problem We're Solving\n\nAgentic AI for consumer finance is a core part of our offering. We built AI solutions for the industry long before the AI boom, gaining a deep understanding of its regulations and company-specific challenges. With the rapid evolution of GenAI, we’ve focused on building AI agents tailored for this space.\n\nWe realized that for any vertical AI agent to succeed, companies need a foundational platform that unifies data silos, structures varied data formats, and enables real-time inferencing. That’s why we built PIE.\n\nA specialized platform like PIE is crucial for AI agents in consumer finance because they must:\n\n* Understand business logic across systems, products, customer interactions, and company policies\n* Execute actions based on insights derived from unified data\n* Navigate complex federal, state, and company-specific compliance requirements\n\nConsumer finance lenders and collections companies operate with fragmented tech stacks - CRMs, Lending Management Systems, payment processors, dialers, email and SMS softwares. This results in siloed data, leading to lost insights and limited automation capabilities. Without unified data, AI agents remain one-dimensional and fail to reach their full potential.\n\n## What PIE Does\n\nAt its core, PIE is a robust data integration and intelligence platform that:\n\n* Connects to all of a company’s existing systems\n* Normalizes and structures disparate data formats into a unified schema\n* Enriches internal data with relevant external sources\n* Maintains real-time synchronization across all systems\n* Generates inferences and insights that are directly usable by applications and AI agents\n* Provides a standardized intelligence layer for AI applications\n\n## Why This Matters\n\nThis unified data foundation enables our AI agents (ProAgent, ScoreGenie, and more) to access complete context for every customer interaction. With PIE, an AI agent handling a collections call can simultaneously understand:\n\n* Account delinquency history\n* Previous payment patterns\n* Cross-channel interaction records\n* Demographic information\n* Communication preferences\n* Regulatory requirements\n* Propensity to pay scoring\n* Affinity for settlements, offers, and discounts\n* Channel affinity\n\nThe result: Consumer finance AI agents built on PIE have full situational awareness, enabling personalized interactions that drive results and seamlessly automate complex workflows across systems. \n\n## How It Works\n\nWe've built PIE as a modular system with:\n\n* Flexible connectors for all major systems in collections and consumer finance, leveraging our deep industry expertise to build scalable integrations quickly\n* A scalable data processing pipeline handling millions of records\n* A secure multi-tenant architecture with strict data isolation\n* Real-time bidirectional sync to maintain system integrity\n* Custom inference models for consumer finance and collections-specific insights\n\nPIE connects to all customer systems, standardizes incoming data, analyzes millions of records, and generates actionable insights that help collections specialisits and AI agents to implement novel strategies and maximize payments.\n\n![uploaded image](/media/?type=post&id=88664&key=user_uploads/78759/f6ef8576-fbe7-4519-9108-5b22beac3b64)\n\n", "url": "https://www.ycombinator.com/launches/N44-pie-prodigal-intelligence-engine", "votes": 6, "created_at": "2025-03-16T20:21:51.960Z" } ] }, { "id": 1992, "name": "Fintual", "slug": "fintual", "former_names": [ "Fintual", "Fintual Inc.", "Fintual", "Fintual Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cbf5d38f9bacbb95da30894913569c413307b19d.png", "website": "https://fintual.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "We allow people to invest.\r\n\r\nWe manage +USD 2B from +200,000 customers. \r\n\r\nWe are regulated in Mexico and Chile.", "one_liner": "Wealth manager", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1525745161, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Chile", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fintual", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/fintual.json", "year_founded": 2018, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/fintual", "x_url": "http://twitter.com/fintual", "fb_url": "https://www.facebook.com/fintual", "cb_url": 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"Nov 02, 2021" }, { "title": "Kaszek Ventures leads a $15 million round in Chilean asset management startup, Fintual – TechCrunch", "url": "https://techcrunch.com/2021/06/25/kaszek-ventures-leads-a-15-million-round-in-chilean-asset-management-startup-fintual/", "date": "Jun 25, 2021" } ], "launches": [] }, { "id": 2002, "name": "Nova", "slug": "nova-2", "former_names": [ "Abacus Protocol", "Abacus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0364689423de527320c7ab191c89691067d7e91.png", "website": "https://novahq.com", "all_locations": "Dallas, TX, USA", "long_description": "Nova centralizes digital subscriptions, data room, and ongoing investor communication in a single investor management platform for private funds.", "one_liner": "Digital subscriptions that delight investors.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1525838958, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": 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Before we showed up, they used spreadsheets and filing cabinets – wasting as much as 60% of revenue on administrative expenses. 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Users can easily search for and select their bank via a drop-in component in your app, and then the most reliable bank connection vendor for that bank will be displayed. Fuse also provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you.\r\n\r\nBy using Fuse, companies can improve the reliability of bank connections, reduce disconnections, and support more banks. ", "one_liner": "Unified API for financial data aggregators.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1541646249, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "Fintech" ], "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/fuse", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/fuse.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ysplit", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ysplit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c50b6b3d32852a4b7f08b0e113b65fd5a0c29dcf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 282826, "full_name": "Boateng Opoku-Yeboah", "title": "Founder", "founder_bio": "Aerospace engineer building control and verification systems for AI agents.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/byeboah/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/03c1d90878366c571d632cd141453498d89c9c62.jpg" }, { "user_id": 282515, "full_name": "Landon Vago-Hughes", "title": "Founder", "founder_bio": "fintech builder.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/landon-vago-hughes/", "x_url": "https://twitter.com/landon_vh", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/561713baedac833b069f3fce38a35deab6cf2404.jpg" }, { "user_id": 282513, "full_name": "Tunde Alao", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tundealao/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f51b3f06bda819618b818f5a2ac7b97343f61e8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 71221, "title": "Fuse: Maximize coverage & conversions for financial account connections", "tagline": "Combine the best financial aggregators, increase coverage and reduce disconnections - with one unified API.", "body": "We are Tunde, Landon, and Boateng, and we're excited to introduce [Fuse](https://www.letsfuse.com/)!\n\n**TL;DR - If you're searching for better bank connection coverage, improved connection reliability, and higher bank link conversion rates for your business, Fuse makes it easy to integrate multiple financial data aggregators and choose the best one for each institution. **[**Schedule a 30-minute demo**](https://calendly.com/letsfuse/fuse-demo)** to see how we can help you.**\n\n![uploaded image](/media/?type=post&id=71221&key=user_uploads/282513/e3a48d75-09ab-4061-9ad1-3f98bd3e1ae2)\n\n### ❌ The Problem\n\nIf you're building a product that requires customers to link their financial accounts, you might have integrated one financial data aggregator, only to experience the following issues:\n\n1. Customers unable to link unsupported institutions (e.g. credit unions, local or community banks)\n2. Frequent disconnections & API errors\n3. Low conversion rates to customers linking their financial accounts\n\nWe are familiar with this pain as we spent 3 years working on a consumer fintech app that required every customer to link their bank account.\n\n### ✨ The Solution\n\nFuse provides companies access to multiple financial data aggregators through a single integration and automatically selects the most reliable and optimally converting one for each connection. With Fuse, you can:\n\n* Support 10,000 more institutions\n* Reduce disconnections by 15%\n* Increase API success rates by 28%\n\nFuse provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you.\n\n![uploaded image](/media/?type=post&id=71221&key=user_uploads/282513/671c4290-e853-4b74-ab1a-851bc735437c)\n\n### ❤️ Favorite features of our customers\n\n* Fast integration: It takes one engineer just an afternoon to have a fully working integration, compared to months when combining aggregators in-house.\n* We partner with aggregators to help you get no-minimum, affordable contracts, and production API keys quickly.\n* Receive instant integration help and tech support via Slack from Fuse engineers.\n* Vast SDK availability: e.g., React, React Native, Flutter, iOS, Android, Node.js, Ruby, Python, and more.\n\n### ⚡How easy is it to migrate to Fuse?\n\nMigration is seamless due to our consistent data model resembling top aggregators, and our backward compatible endpoints that accept Fuse or aggregator access tokens, simplifying server updates.\n\n![uploaded image](/media/?type=post&id=71221&key=user_uploads/282513/93fa3bc8-8b6c-48e8-8e59-ef703d4c58bd)\n\n### **🫶** Ask\n\n1. [Schedule a 30 minute demo](https://calendly.com/letsfuse/fuse-demo) to see Fuse in action and learn more about how Fuse can improve your financial connections.", "url": "https://www.ycombinator.com/launches/IWj-fuse-maximize-coverage-conversions-for-financial-account-connections", "votes": 13, "created_at": "2023-04-26T20:22:01.911Z" } ] }, { "id": 12095, "name": "Upsolve", "slug": "upsolve", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d5de4c1412998050fa2085e9dbcb8dee8ebd735.png", "website": "https://upsolve.org/learn/should-i-file-for-chapter-7-bankruptcy/", "all_locations": "Boston, MA, USA; New York, NY, USA", "long_description": "Upsolve is a tech-driven nonprofit that helps low-income Americans overcome debt and rebuild credit at scale. Upsolve was founded in Harvard Law School’s Access to Justice Lab in 2016. Since then, Upsolve has become the nation’s most visited nonprofit financial education site. 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We automatically withhold from each paycheck for tax withholding, time off, savings and retirement. We also help you find and enroll in the right health insurance plan and keep your premium payments on track. By connecting to your existing bank account, we monitor when you get paid, and act on a plan that can help keep you covered no matter what life throws at you. 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New York, NY, USA", "long_description": "Path gives you a money manager who:\r\n\r\n- gets you money for college\r\n- builds your credit with a debit card\r\n- gives you a savings account that pays you 5% interest\r\n- helps you make more money\r\n\r\nand makes sure you don’t f**k up your financial future in your 20’s \r\n\r\nall for $20/mo", "one_liner": "Financial advisors for Gen-Z", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1551146013, "tags": [ "Education", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "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/path", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/path.json", "year_founded": 2018, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b21e049fbb2e03f381f8fc0aabce93110dae624f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 126207, "full_name": "Femi Adebogun", "title": "Founder", "founder_bio": "dropout, ceo @ path", "is_active": false, "linkedin_url": "https://linkedin.com/in/femiadebogun", "x_url": "https://twitter.com/femiadebogun", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48ba004ae8ee8ace71606cfe5bdd8d41379e30b3.jpg" }, { "user_id": 166025, "full_name": "Evan Farrell", "title": "Founder", "founder_bio": "Dropout, cofounder of path, spicerack.gg, and tabletop.gg\n\nif you play trading card games/magic the gathering, hmu!!", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/evan-farrell/", "x_url": "https://twitter.com/evanmtg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b3c11e743b08d6e8565bed045f7fb1ecbd0b1065.jpg" }, { "user_id": 240687, "full_name": "Caleb Cross", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://linkedin.com/in/calebcross", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3a98dfc54393cd3d8b49f9b6da19c97834bc5298.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12504, "name": "Vouch", "slug": "vouch", "former_names": [ "Vouch (SV Instech", "Inc. = legal name)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d1d486d4edef6bd293253ef438f3cf9c1880507.png", "website": "http://vouch.us", "all_locations": "Chicago, IL, USA; San Francisco, CA, USA", "long_description": "Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving, innovative startups.\r\n\r\nVouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies.\r\n\r\nWe're doing this by making insurance fast, responsive, and focused on our high-growth and innovative customers. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry.", "one_liner": "Insurance and risk management tools for startups and growth-stage…", "team_size": 190, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1553635905, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vouch", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/vouch.json", "year_founded": 2018, "city": "Chicago", "country": "US", "linkedin_url": "https://www.linkedin.com/company/20358430/", "x_url": "https://twitter.com/vouch_group", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d1d486d4edef6bd293253ef438f3cf9c1880507.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/45/1566334665147-wikg3jqx48-43db43432b5134b893a40c7759ed463d/c1ae54da56ce5229dcca643e40229e43.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022643Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=9973c39908539c8623878268ab78982924f48ce20242f444cd05ab679bcfd525", "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 325701, "full_name": "Sam Hodges", "title": "Founder/CEO", "founder_bio": "Co-founder and Executive Chairman of Vouch, better business insurance for technology start-ups. Previously co-founder and MD of Funding Circle US (IPO in 2018, FCH.L), and various operating and investing roles focused on financial and insurance technology and B2B software. Live/work in SF.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samhodges/", "x_url": "https://twitter.com/HodgesSam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e20ef209d3b00030494c225e3d8ba113609e501.jpg" } ], "jobs": [ { "id": 105573, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/vouch/jobs/GUQDZKg-senior-software-engineer", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "LLMs", "AI Agents", "LangChain" ] }, { "id": 105575, "title": "Principal Engineer", "url": "https://www.ycombinator.com/companies/vouch/jobs/cNtiNc8-principal-engineer", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$245K - $285K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Rust", "TypeScript", "AI Agents" ] }, { "id": 105590, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/vouch/jobs/hjzZN6P-ai-engineer", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $220K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "LLMs", "AI Agents" ] }, { "id": 105591, "title": "Senior Product Manager, AI Pod", "url": "https://www.ycombinator.com/companies/vouch/jobs/dkBidyx-senior-product-manager-ai-pod", "location": "Chicago, IL, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$170K - $210K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Business insurance start-up Vouch lands $25m Series C-1 funding", "url": "https://www.lifeinsuranceinternational.com/news/vouch-series-c-1-funding", "date": "Mar 12, 2024" }, { "title": "Startup insurance provider Vouch raises $90M, now valued at $550M – TechCrunch", "url": "https://techcrunch.com/2021/09/10/vouch-business-insurance-provider-to-startups-raises-90m-and-is-now-valued-at-550m/", "date": "Sep 10, 2021" } ], "launches": [] }, { "id": 12533, "name": "Lofty", "slug": "lofty", "former_names": [ "Lofty AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a04ef2b7d6dce455bc9febecc0ebda46301613.png", "website": "https://www.lofty.ai/", "all_locations": "Los Angeles, CA, USA; Miami, FL, USA; Remote", "long_description": "Lofty is a marketplace that let's anyone sell a house to investors online. Instead of the typical real estate transaction where one seller sells to one buyer, Lofty is much more flexible.\r\n\r\nSellers fractionalize their equity ownership in the property into smaller units, so that anyone can buy a portion for as little as $50, allowing access to one of the best asset classes for people who have previously been locked out. Sellers can also sell a portion of their equity (starting at just 10%) instead of the entire property or create customized HELOC structures.\r\n\r\nInvestors can browse a variety of individual real estate properties ranging from commercial strip malls, a HELOC in someone's house, Airbnbs, to a single-family rental properties, and directly purchase ownership in these properties in under 5 minutes. There is no lockup period. Users can constantly trade these ownerships with others on the marketplace.\r\n\r\nInvestors truly legally own the properties they invested in and co-manage it with other investors through an online governance program. Owners have so far voted on how to handle various repairs, delinquent tenants, the sale of the underlying property, and much more.\r\n\r\nLofty never custodies or handles user funds or assets. Through smart-contracts on the blockchain, all transactions are directly peer-to-peer.\r\n\r\nIf we succeed, we'll have built the NASDAQ for real estate and transformed how real estate is bought and sold in the USA.", "one_liner": "Building the NASDAQ for Real Estate.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1555991344, "tags": [ "Fintech", "Crypto / Web3", "Real Estate", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech" ], "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/lofty", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/lofty.json", "year_founded": 2018, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/loftyai/", "x_url": "https://twitter.com/lofty_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a04ef2b7d6dce455bc9febecc0ebda46301613.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 283636, "full_name": "Max Ball", "title": "Founder", "founder_bio": "Co-Founder at Lofty (YC S19)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxball/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e1f40dd977e17b391b07fa44313d7ce3ec5d73c7.jpg" }, { "user_id": 280486, "full_name": "Jerry Chu", "title": "Founder", "founder_bio": "USC alum, former Barclays Risk Management Analyst, and self-taught full-stack developer. I'm currently the CEO.\n\nYC Badge: 0xbc2e7da603f3dec73f658971c045c3023fb8975a", "is_active": true, "linkedin_url": null, "x_url": "https://twitter.com/PMDBT", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c34a047249effd3e296a1f47fe96df7ae4c0e370.jpg" } ], "jobs": [], "news": [ { "title": "Bitcoin drops 8% in a week as volatility spikes to near one-year high: CNBC Crypto World - YouTube", "url": "https://youtu.be/jankz8epmaE?si=Zw3E4LI7-FTwO6bZ&t=151", "date": "Mar 22, 2024" }, { "title": "Arrived, Lofty AI, Landa: Is fractional real estate a good investment? - Vox", "url": "https://www.vox.com/money/23620847/fractional-real-estate-investing-trend", "date": "Mar 03, 2023" }, { "title": "11 Startups That Help Almost Anyone Make Money in Real Estate", "url": "https://www.businessinsider.com/real-estate-investing-fractional-ownership-second-home-landlord-investment-property-2022-6", "date": "Dec 29, 2022" }, { "title": "Startup Aims to Help You Invest in Real Estate – NBC Bay Area", "url": "https://www.nbcbayarea.com/news/local/startups-lofty-real-estate/2973195/", "date": "Aug 25, 2022" }, { "title": "Have $50? With this startup, you can become a real estate investor", "url": "https://www.bizjournals.com/southflorida/inno/stories/news/2022/08/11/investing-with-lofty-ai.html", "date": "Aug 11, 2022" } ], "launches": [ { "id": 81777, "title": "Lofty - The NASDAQ for real estate", "tagline": "A marketplace to buy and sell investment properties with instant liquidity.", "body": "## What is Lofty?\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/b30729a4-1034-48ea-9ecc-0960d7862b2f)\n\n[Lofty](https://www.lofty.ai) is a real estate marketplace, where people can buy and sell fractional ownership in real estate properties in seconds for as low as $50.\n\nAnyone can come to list a property on Lofty for sale. We convert the equity of the property into tradable tokens on the blockchain through a process called \"tokenization\". They can then list as much or as little of it as they want for sale on the marketplace.\n\nThere are thousands of investors from around the world using Lofty to invest and build their own real estate portfolios. Many of them have also listed and sold partial ownership in properties they already owned (including their primary residences).\n\nWe’re the only platform that lets you buy AND sell fractional ownership with no restrictions or lock-up periods.\n\nNow, we’re launching a new feature that allows you to instantly buy and sell ownership in properties without the requirement of a traditional counterparty.\n\nFor the first time in the world, you can now buy and sell equity in a house (grants you legal ownership + management control) with the same experience as trading a share of AAPL on Robinhood.\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=81777&key=user_uploads/280486/f0e480b1-5df8-40d0-948d-4dbc35c9ebe0)\n\n## How does ownership work?\n\nEvery property’s deed is legally held by a unique WY DAO LLC. Unlike a traditional LLC that has a centralized managing member/partner, these LLCs are algorithmically managed through smart-contracts on the blockchain.\n\nEvery member has equal power and voting rights based on how much of the LLC they own. So, by owning 10% of a DAO, you legally own 10% of the underlying property. The tokens/shares are legal representations of ownership in the LLC; whoever owns tokens of the LLC, also owns the LLC, which means they also own the property.\n\nCo-ownership of properties is very common in the US and is no different than if you co-owned a house with family members or close friends. But instead of informally discussing how to manage things over the phone or in meetings, the management process is formalized through the “governance program”, where members vote on all management decisions. One token equals one vote and a super majority of 60% is required for any decisions to pass.\n\n**We don’t manage your properties nor do we sell properties to you. Instead, you’re directly buying from and selling to other people on the platform. Your funds never touch our accounts** and you settle directly with each other using the blockchain through smart contracts. We don’t take a cut of your earnings or charge you management fees. Instead, we make a 6% transaction fee for every transaction on the platform. It’s split, so that the seller pays 3% and the buyer pays 3%.\n\n* Now anyone can invest and actually legally own real estate for as little as $50.\n* Anyone from around the world can participate; **you don’t have to be an accredited investor.**\n* Our smallest users have invested $50 while our largest user has invested over $2,000,000.\n* **No crypto understanding or experience needed, you can pay with credit cards or ACH transfers.**\n\n# **To sign up, just create an account on **[**Lofty**](https://www.lofty.ai)**.**\n\n## Examples of properties\n\n**We have tokenized over 170 properties to date.** You can find almost any type of property on Lofty and we’re adding1 new property per week.\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/4352a64e-d17d-4547-b8b7-0c78afc91432)\n\n* [A single-family house in Texas](https://www.lofty.ai/property_deal/1821-Donetto-Dr_Leander-TX-78641) being used as a standard long-term rental.\n* [A single-family house in FL](https://www.lofty.ai/property_deal/122-Florida-Park-Dr_Palm-Coast-FL-32137) where the tenant has an option to rent-to-own and purchase the property from owners.\n* [Cool ranch in CA](https://www.lofty.ai/property_deal/33008-Joshua-Ave_Acton-CA-93510), where the owner is basically doing a HELOC through Lofty.\n\n ![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=81777&key=user_uploads/280486/098a28ee-51eb-49cf-af21-0f5973c77c09)\n\n* [Vacation rental cabin in CO](https://www.lofty.ai/property_deal/902-Karlann-Dr_Black-Hawk-CO-80422), short-term rental through Airbnb.\n\n ![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/ac44e1f5-6dce-41de-9975-8bf811fe441f)\n\n* [Parcel of Land in NY](https://www.lofty.ai/property_deal/6117-Hyde-Flats-Road-21_Black-Creek-NY-14714), where you can determine with your fellow co-owners to add more value by leasing out parts of it to solar companies and a local farmer.\n* [Historic four-plex in upstate NY](https://www.lofty.ai/property_deal/88-Madison-Ave_Albany-NY-12202), all short-term rental units.\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/566c24c9-c8c7-4200-9329-d09df468ea57)\n\n## Instant liquidity + lending\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/67ce02ec-1476-4847-bf37-93d2621da70e)\n\nWe’re proud to introduce our [newest feature](https://amm.lofty.ai), the automated-market-maker and liquidity pools! You can read more in-depth about how this all works in our [learning center](https://learn.lofty.ai/en/collections/7492346-proactive-market-maker-pmm-liquidity-pools).\n\nWe took some concepts from decentralized exchanges (dexes) in the web3 world and adapted them to better fit a real world asset like a house.\n\n**The algorithm borrows liquidity from people on the internet. It uses this borrowed liquidity to trade with Lofty users, which allows you to buy and sell ownership instantly without needing a traditional counterparty.**\n\nThe result is for the first time in the world, you can now directly buy and sell legal ownership in a specific property with the same speed and user experience as buying AAPL or TSLA on Robinhood.\n\nOn the other side, you can also now lend out your real estate ownership and/or money for yield. This is especially beneficial for lending out your real estate ownership, because you can continue to collect rental income from the property and vote on governance decisions, while also getting yield from lending.\n\n**You can view our lending platform **[**here**](https://amm.lofty.ai)** and if you don’t have USDC (a stable coin) to lend out, no worries. We have our own on-ramps at Lofty and honor 1:1 exchange rates between USD and USDC. You can also directly convert USD to USDC on Coinbase, then send it to your Lofty account.**\n\nThis feature is completely opt-in. Some of our users only invest in real estate, some only lend out funds, while others interact with both.\n\n## **Referral Credit**\n\nIf you refer a seller to our marketplace and they end up listing a property for sale, you'll receive a $1,000 cash referral bonus.\n\nAdditionally, if you refer anyone who spends $250 within the first month on the platform, you’ll both receive a $50 gift certificate to use on any property on the marketplace.\n\nFor any questions, feel free to reach out to us at [info@lofty.ai](mailto:info@lofty.ai) and follow along our journey to overhaul the real estate market on [X/Twitter](https://x.com/lofty_ai).", "url": "https://www.ycombinator.com/launches/LGz-lofty-the-nasdaq-for-real-estate", "votes": 823, "created_at": "2024-06-26T21:02:10.188Z" } ] }, { "id": 12545, "name": "Method Financial", "slug": "method-financial", "former_names": [ "Forward", "GradJoy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8fe82c6fb65a41c32500091074e518f40adc2538.png", "website": "https://methodfi.com", "all_locations": "Austin, TX, USA", "long_description": "Method provides connectivity to consumer credit and liability accounts, enabling end-to-end refinance experiences, real-time account data access, and one-click checkout.", "one_liner": "Financial connectivity API for consumer liabilities", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1556075147, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/method-financial", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/method-financial.json", "year_founded": 2021, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/methodfi", "x_url": "https://twitter.com/MethodFinancial", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/method-financial", "github_url": "https://github.com/MethodFi", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8fe82c6fb65a41c32500091074e518f40adc2538.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 180705, "full_name": "Jose Bethancourt", "title": "Founder", "founder_bio": "Co-Founder & CEO @ Method. 2x Founder (1 exit!). 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Wide range of experience in software development, team management, culture builder, and product shipping. Focus on productivity, quality, and innovation. Worked in 3 different countries.\n\nPassionate by the engineering side of Machine Learning. Designed TensorFlow experience for AWS SageMaker.\n\nInterested in Machine Learning training and serving performance, ML pipelines, TensorFlow, PyTorch, architecture, scale, and AWS. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/marcio-dos-santos/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0bcef3a7196f5b3ed7a1e2754c45f130974d6e2d.jpg" }, { "user_id": 327366, "full_name": "Saulo Tristao", "title": "Founder", "founder_bio": "Saulo is starting a new fintech to help employees afflicted by restricted access to credit. His new venture just closed a seed round and is on its way building a stellar engineering crew. Saulo was Head of Marketing for SumUp Brazil . As the second person on the ground in Brazil, he structured the marketing and product from scratch. He graduated in Aeronautical Engineer and concluded his MBA at Stanford GSB. He was an Eventing Rider and Member of the Brazilian Team at the Beijing Olympics (2008)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saulo-tristao-4332331b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ac137edff0f1b9c54751c018b667bc363296edd9.jpg" }, { "user_id": 332575, "full_name": "Ticiano Vieira", "title": "Founder", "founder_bio": "I'm a nerd and tech enthusiast-- still build my own rig and discuss physics breakthroughs.\n\nAfter quite a ride helping build SumUp, I now focus my energy rethinking credit availability in Brazil. We're building an original solution to give customers financial peace of mind in times of need.\n\nI'm also an engaged AIESEC alumni and hold an Engineering Physics degree from UFSCar. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ticiano/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ed9e1c74c8755ba366760c6c055883716caf720f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12834, "name": "Flux", "slug": "flux", "former_names": [ "Flux QR" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f38739b0e1f431175c8487a6c712bb03a2548a2.png", "website": "http://paywithflux.com", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Flux is building the payment network for alternative payments, with a focus on bringing acceptance of all BNPL options to on-site merchants so they can max their client's buying power.\r\n\r\nFlux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.", "one_liner": "Flux is building the payment network for alternative payments in…", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559183041, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "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/flux", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/flux.json", "year_founded": 2018, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/paywithflux", "x_url": "", "fb_url": "https://www.facebook.com/fluxqr/", "cb_url": "https://www.crunchbase.com/organization/flux-3dc6", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f38739b0e1f431175c8487a6c712bb03a2548a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 285395, "full_name": "Maximiliano Echeverria", "title": "Founder", "founder_bio": "Re-imagining payments since 2002", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maximilianoe", "x_url": "https://twitter.com/ecmax", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/823762a19a31d1932cc0b5a3a144c1ec4954c0db.jpg" }, { "user_id": 286611, "full_name": "Fernando de la Torre", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fdelatorre/", "x_url": "https://twitter.com/ferdelat_eth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/84ba5429cc1819f7360fbdb3cdb07ba7e892897a.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12835, "name": "Multis", "slug": "multis", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/35cfa6626f4db01284f3e93a3bf939e0f4d37f37.png", "website": "https://multis.com/", "all_locations": "Paris, Île-de-France, France", "long_description": "We build accounting & treasury management software solutions for web3 organizations. Get accurate financial statements and automate accounting tasks across any wallets. Say goodbye to crypto hassles and focus on growing your business.", "one_liner": "Accounting & Treasury Management Software for Web3 Teams ", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1559183057, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/multis", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/multis.json", "year_founded": 2019, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/multishq/", "x_url": "https://twitter.com/multisHQ", "fb_url": null, "cb_url": null, "github_url": "https://github.com/multis", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/35cfa6626f4db01284f3e93a3bf939e0f4d37f37.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 326849, "full_name": "Thibaut Sahaghian", "title": "Founder/CEO", "founder_bio": "14 years at the intersection of finance, product, and technology — as an investment banker, a founder, and an operator.\n \nI built and sold a US-regulated fintech backed by Y Combinator and Sequoia. At Safe, our acquirer, I partnered with the founding tea to reshape company strategy, built and led a 30-person high-performing team, and took their core business from 0 to $6M ARR.\n \nToday I help founders and executives build better products and unlock the real potential of AI in their organizations.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tsahaghian/", "x_url": "https://twitter.com/fujisaha", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b51b6be121e60391540d057668cde5a5461effdf.jpg" }, { "user_id": 38768, "full_name": "Theophile Villard", "title": "Founder", "founder_bio": "minimalist nomad", "is_active": false, "linkedin_url": null, "x_url": "https://twitter.com/teawaterwire", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dcd9cde4efab069072900d54f7c93369e91d5350.jpg" } ], "jobs": [], "news": [ { "title": "Multis wants to build the financial backbone of crypto-native organizations – TechCrunch", "url": "https://techcrunch.com/2022/02/17/multis-wants-to-build-the-financial-backbone-of-crypto-native-organizations/", "date": "Feb 17, 2022" } ], "launches": [ { "id": 67131, "title": "💳 Multis USD - Checking Accounts & Corporate Cards for web3 startups", "tagline": "Set your account up within minutes and start spending today", "body": "**TL;DR**: you can now use Multis as a banking account to manage both crypto and USD from a single app. It’s designed for your web3 startup, gives you free unlimited corporate cards, ACH & wire transfers, and allows you to buy/sell crypto in seconds. We approve new accounts within a day! \n\nHey guys, I'm Tee from Multis. We're on a mission to provide corporate cards & spending management tools designed specifically for web3 teams. Meet the team!\n\n![uploaded image](/media/?type=post&id=67131&key=user_uploads/326849/60c6b8b3-2684-4a01-81e0-0f3228837318)\n\n### **❌ The Problem(s)**\n\n1. Web3 teams have a significant part of their assets in tokens sitting in treasury, but still have business expenses such as travel bills or web hosting that require USD.\n2. Opening up an account on trading apps such as Binance or FTX takes months. Banks don't want to work with web3 startups, leading to funding freezes or never-ending compliance checks.\n3. Many founders end up paying expenses or converting crypto from their own personal banking and exchange accounts. This isn't compliant nor scalable.\n\n### **🌟 Our solution**\n\nMultis has become the one stop shop to manage, convert and spend — no need to exchange your crypto anymore!\n\n* **Buy/sell crypto and use funds right away** to pay expenses and run a payroll in both crypto and USD\n* **Issue Multis Corporate Cards** to spend your treasury in goods and services, both offline and online\n* **Send and receive** **ACH and wires** (no fees, no limit) to pay your vendors and receive money from clients and investors\n* **Make your accountant and investors happy** with crypto reporting and accounting exports for both crypto and USD\n\n... all with the safety guarantees of Gnosis Safe!\n\n![uploaded image](/media/?type=post&id=67131&key=user_uploads/326849/1f9feff4-05e4-4356-8a8f-8a9aa4b088a0)\n\n### ❓ **Ask**\n\n1. If you're a web3 company/DAO dealing with treasury in cryptocurrencies (incl. USDC/T), [sign up now](https://multis.co/) and benefit from exclusive perks.\n2. If you're a VC fund/investor/incorporator/agency, feel free to reach out! We're always on the lookout for potential partnerships. We'll offer deals and priority onboardings to your portfolio companies.\n\n### **💌 Get access now!**\n\nSend me an email ([thibaut@multis.co](mailto:thibaut@multis.co)) and we’ll give you priority access to your account and [YC perks](https://bookface.ycombinator.com/deals/1431?query=multis) . We'd love your feedback too!", "url": "https://www.ycombinator.com/launches/HSl-multis-usd-checking-accounts-corporate-cards-for-web3-startups", "votes": 18, "created_at": "2022-11-04T18:05:55.500Z" } ] }, { "id": 12839, "name": "Tranqui Finanzas", "slug": "tranqui-finanzas", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2c42e831c6a8c7776b3ad57f187e2c8227a7cd2f.png", "website": "https://tranquifinanzas.com/", "all_locations": "Cali, Valle del Cauca, Colombia; Bogotá, Bogota, Colombia; Remote", "long_description": "Tranqui is a debt collection company that has revolutionized the industry with its digital-first approach. Utilizing cutting-edge analytics and machine learning, Tranqui offers a more efficient and effective debt collection experience for users.\r\n\r\nOur technology-driven approach enables us to analyze user data and behavior patterns to develop personalized communication and repayment plans. This ensures that our users receive a tailored experience that is optimized for their individual needs, resulting in a higher success rate for debt repayment.\r\n\r\nWith Tranqui, users can manage their debt repayment on their own terms, from the comfort of their own homes, thanks to our convenient and flexible digital channels. Our approach not only improves the debt collection experience for users but also helps to improve their overall financial health.\r\n\r\nChoose Tranqui for a better debt collection experience, with 2x the effectiveness of traditional debt collection methods.", "one_liner": "Debt Management for Latin America. 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Our technology automatically, files taxes, deducts expenses, issues invoices and collects payments all from one app. Easy, transparent and automated.\r\n\r\n14 million digital workers and SMEs in Mexico face constant stress derived from their lack of knowledge on tax related issues. 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We've been quietly battle-testing it for the last couple of months and unlike most other things in crypto it is ... stable ;)\n\n**What is Paymobil?**\\\nPaymobil is a super simple stablecoin wallet with free transactions. Buy, save, receive and send USDC for free on Polygon. Self custody with automatic cloud backups, send to any email, phone number or crypto address in the world in seconds. Great UX, no fuss.\n\n![uploaded image](/media/?type=post&id=67627&key=user_uploads/13708/69136618-fad0-4ceb-8e60-148c9265ca51)\n\nThe goal of Paymobil remains the same, to be the best stablecoin wallet, and make cross-border transactions as quick and easy as Venmo. Giving you a safe and simple option to buy, send, receive and send dollars in the form of USDC for free, regardless of where in the world you may live.\n\n**What's new?** \\\n\\- Free and instant USDC transactions on Polygon \\\n\\- New onramp options including Coinbase, cards and bank accounts in most countries \\\n\\- Add or withdraw in pesos or USD in Argentina \\\n\\- Automatic backup to your personal iCloud or Google Drive \\\n\\- Biometric protection \\\n\\- Support for ENS addresses and recent contacts\n\n**What's the same?** \\\n\\- Super simple to use, no crypto experience required \\\n\\- Self-custodial, but no complicated mnemonics in sight \\\n\\- USDC is the most trustworthy stablecoin \\\n\\- Send money to anyone, even those without a wallet \\\n\\- Still yellow!\n\nGive it a go on iOS or Android today and let us know what you would like to see us build next!\\\n\\\n[Paymobil for iOS](https://apps.apple.com/app/id1499719318)\\\n[Paymobil for Android](https://play.google.com/store/apps/details?id=co.paymobil.paymobil)\\\n[Paymobil on Twitter](https://twitter.com/PaymobilApp)\\\n[Website](https://www.paymobil.co)", "url": "https://www.ycombinator.com/launches/Hal-paymobil-send-money-anywhere-in-the-world-in-seconds", "votes": 15, "created_at": "2022-12-01T08:29:15.492Z" } ] }, { "id": 13174, "name": "Grain", "slug": "grain", "former_names": [ "Grain Technology, Inc. d/b/a Grain" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/524e65f0ea0097b484282603109656a296837686.png", "website": "https://trygrain.com/", "all_locations": "San Francisco, CA, USA; Oakland, CA, USA; Remote", "long_description": "Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.\r\n", "one_liner": "Grain transforms the debit card you already have into a credit card…", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583989450, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/grain", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/grain.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/grain-technology/", "x_url": "https://twitter.com/grain_tech", "fb_url": "https://www.facebook.com/graintech", "cb_url": "https://www.crunchbase.com/organization/grain-c423", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/524e65f0ea0097b484282603109656a296837686.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 248476, "full_name": "Patrick De Suza", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/patrickdesuza/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f113c50fe8897d8f4451822de9bb1b631e89fc47.jpg" }, { "user_id": 5431, "full_name": "Christian-Robert Joseph", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/christianrjo", "x_url": "https://twitter.com/christianrjo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cda94640d10e68c048e8d16d30c4102e92970b0e.jpg" }, { "user_id": 243928, "full_name": "Carl-Alain Memnon", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carl-alain-memnon-a350a42b?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_view_base%3B3FbbC8GRScio%2FYLGi0Aeew%3D%3D", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5e65286225bb932c627fc6ef3ca7775521577c5b.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13207, "name": "Tienda Crypto", "slug": "tienda-crypto", "former_names": [ "Tienda Dólar", "Plunzo", "Tienda Dólar" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cabae5e8d0d38bc3d9ebd9e445441f81571955a.png", "website": "https://www.tiendacrypto.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Tienda Dólar is the best way for Latin American people to protect their savings\r\n\r\n", "one_liner": "Crypto Exchange and Payment API Gateway", "team_size": 37, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583784965, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tienda-crypto", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/tienda-crypto.json", "year_founded": 2020, "city": "Buenos Aires", "country": "AR", "linkedin_url": "", "x_url": "https://twitter.com/tiendacrypto", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tienda-d%C3%B3lar", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cabae5e8d0d38bc3d9ebd9e445441f81571955a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 144711, "full_name": "Federico Goldberg", "title": "Founder", "founder_bio": "Hey, I am the CEO of TiendaCrypto. \nI have a degree in Industrial Engineering and worked 6 years in logistics in a cargo airline company. \nI have sold a previous logistic company in 2017 called Sherpals and during 2018, we built a smart contract game for the World Cup which was a success in the crypto community. \n\nWe built Tienda Dólar, the first digital exchange in Argentina (exchanging ARS into USD) with a volume of 6 MM usd/month and we are now adding Stock/bonds and crypto to our platform. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/federico-goldberg-60393124/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/49c42a47ce77efc3e8817844c7b61663ddb68594.jpg" }, { "user_id": 257451, "full_name": "Nicolas D'Onofrio", "title": "Founder", "founder_bio": "Passionate tech founder, i love solving problems through teamwork and hard work.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicol%C3%A1s-d-onofrio-90392458/", "x_url": "https://twitter.com/nicodonof", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f5d6736239146be0d2fb00bf061aaa27dbd8bfcc.jpg" }, { "user_id": 420372, "full_name": "Ramiro Furtado", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://ar.linkedin.com/in/ramiro-furtado-595a3533", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d59e8044f966a9eb096151cac824e0d97f03eebb.jpg" }, { "user_id": 257430, "full_name": "Martin Nagelberg", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martin-nagelberg-44abab128/", "x_url": "https://twitter.com/martonagel", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3cb56e4eda4bb660f42540863ed4ace5ec37474a.jpg" } ], "jobs": [], "news": [ { "title": "Lanzan en Argentina un nuevo exchange llamado Tienda Crypto", "url": "https://es.cointelegraph.com/news/a-new-exchange-called-tienda-crypto-is-launched-in-argentina", "date": "Nov 03, 2021" } ], "launches": [] }, { "id": 13236, "name": "Savvy", "slug": "savvy-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5ae3a089b7b95f5f1d30325868b76da53de7dbb7.png", "website": "https://www.gosavvy.com", "all_locations": "San Francisco, CA, USA", "long_description": "Savvy is a health benefits product offering employees payment cards to buy their own health insurance. One of the first to market after new regulation, Savvy scaled to $10s of millions in volume and expanded into all 50 state health insurance markets. Savvy was backed by Y Combinator, Marc Andreessen, and the founders of One Medical and Indeed. In 2022, the company was acquired by Take Command, the leading incumbent in the health insurance HRA space.", "one_liner": "Flexible stipends for employee health insurance", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1584064922, "tags": [ "Fintech", "Healthcare", "Health Insurance", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "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/savvy-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/savvy-2.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/gosavvy/", "x_url": "https://twitter.com/SavvyForAll", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5ae3a089b7b95f5f1d30325868b76da53de7dbb7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 423912, "full_name": "Kevin Cox", "title": "Founder", "founder_bio": "Co-founded and sold digital insurance brokerage Savvy (W20). Led engineering teams at Clipboard Health while revenue grew profitably from $30M -> $130M. Building Adaptional - AI for commercial insurance.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kevin-cox-90337b47/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b7259298331b37a4b0148298d7000aa1740d138.jpg" }, { "user_id": 350876, "full_name": "Suril Kantaria", "title": "Founder", "founder_bio": "Cofounder of Adaptional S25 and Savvy W20, a digital insurance brokerage for startups & SMBs. Previously on the early team at X/xAI and Primer, a NLP lab that raised $250m+.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/suril-kantaria-59522922/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d48636a05ad637f49098c12abee3f0706b5ab03.jpg" } ], "jobs": [], "news": [ { "title": "Companies Are Giving Workers Money to Buy Health Coverage on Their Own Through HRAs", "url": "https://www.businessinsider.com/companies-are-giving-workers-money-to-buy-health-coverage-hra-2021-3", "date": "Sep 21, 2022" }, { "title": "Take Command acquires Silicon Valley startup Savvy to expand benefits platform", "url": "https://www.prnewswire.com/news-releases/dallas-based-tech-startup-take-command-acquires-technology-from-silicon-valley-based-startup-savvy-to-expand-benefits-platform-301558414.html", "date": "Sep 21, 2022" }, { "title": "Savvy is reimagining employer health insurance", "url": "https://coverager.com/savvy-is-reimagining-employer-health-insurance/", "date": "Jul 16, 2020" } ], "launches": [] }, { "id": 13305, "name": "Revenir", "slug": "revenir", "former_names": [ "Refund Giant" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0873f3e44b21b9503d92938ee073ec554248871f.png", "website": "https://www.revenir.ai/", "all_locations": "London, England, United Kingdom", "long_description": "Your free money back to you with the trust of your own bank. \r\nIndividuals and corporations to claim back their value-added tax globally. ", "one_liner": "First API solution for tax returns.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584370541, "tags": [ "Fintech", "SaaS", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/revenir", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/revenir.json", "year_founded": 2019, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/40870718/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0873f3e44b21b9503d92938ee073ec554248871f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 422794, "full_name": "Shawn Du", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shawn-du-a8896282/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/89f64c1635c6139778ea442c29efb257f85ebaa9.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13309, "name": "Modernbanc", "slug": "modernbanc", "former_names": [ "Milly Works" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e71ae997b9de042f26db450a5b99d594a75be4e6.png", "website": "https://modernbanc.com", "all_locations": "London, England, United Kingdom", "long_description": "Simple to set-up, flexible and powerful platform to manage your business finances", "one_liner": "Accounting software that works for you", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1632653047, "tags": [ "Fintech", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/modernbanc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/modernbanc.json", "year_founded": 2020, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/68803106/admin/", "x_url": "https://twitter.com/Modernbanc", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e71ae997b9de042f26db450a5b99d594a75be4e6.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": 354461, "full_name": "Gregory Gevorkyan", "title": "Founder", "founder_bio": "Building Modernbanc (W20) - the best way to manage your business finances.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/grisha-gevorkyan-597b5289/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8eae62baf357628cbac84193a4aa82dc709900fe.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92167, "title": "Modernbanc - The first AI financial assistant for business owners", "tagline": "Get an answer, dashboard or a projection to your business finance question in seconds.", "body": "**Introducing Modernbanc - the first of its kind AI financial assistant for business owners.**\n\nPowered by real-time banking and accounting data, it one-shots answers to business owner’s questions in a spreadsheet interface.\n\nBest thing? Those answers never get out of date.\n\nhttps://www.youtube.com/watch?v=ZEIy3R0IFHY\n\n### PROBLEM\n\nMost business owners need simple answers fast, yet they can’t afford to hire a fractional CFO or a finance person.\n\nAt the same time - traditional and inflexible reports from Quickbooks just don’t cut it.\n\n### Enter modernbanc. It can:\n\n* Build real-time financial dashboards, e.g revenue/profitability by category.\n* Create projections, e.g “Can I hire this person?”\n* Custom budget/goal trackers that measure against real-time spend.\n\nNo expensive finance people. No finance degree required.\n\nAlready helping 100+ founders run their business smart.\n\n**Our ask: it’s available to try today, give it a go at [modernbanc.com](http://modernbanc.com) and let us know what you think!**\n\n![uploaded image](/media/?type=post&id=92167&key=user_uploads/354461/b68f917e-051b-4237-a691-9be457da635e)\n\n", "url": "https://www.ycombinator.com/launches/NyZ-modernbanc-the-first-ai-financial-assistant-for-business-owners", "votes": 32, "created_at": "2025-07-15T16:38:29.287Z" }, { "id": 87098, "title": "Modernbanc - fast and modern alternative to Quickbooks", "tagline": "Modern accounting software for startups.", "body": "**TL;DR** [Modernbanc](https://modernbanc.com?source=yc) is a fast and modern alternative to Quickbooks that helps you automate busy work, become tax-ready and know the numbers you actually care about.\n\n* **Automate busy work.** With AI-powered actions and transaction categorization we give you back time every day.\n* **Become tax-ready.** Your or your accountant can easily export the exact data you need for seamless tax filing. If you don’t have an accountant we’ll find you one!\n* **Know your business financials.** Built-in spreadsheet interface to track real-time ARR, Burn, Runway or other custom financial reports.\n\n\n\n# **Problem:**\n\n**As a founder yourself you rarely get any value out of Quickbooks.** You set it up, leave it to your accountant and never open the app again.\n\nIt’s slow and unusable - so when it comes to managing your business finances you spend money on budgeting and reporting software just so you don’t have to open Quickbooks.\n\nAs a founder who had a similar experience I knew we had to build something better.\n\n# \n\n# **Meet Modernbanc - fast and modern alternative to Quickbooks.**\n\nModernbanc is the new standard for accounting software that’s enjoyable and is designed for the way you think:\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/f11b941c-6b72-4e0e-acb1-245e2cf3b1b2)\n\n## **⚡️ It’s fast**\n\nInspired by Linear, Modernbanc opens instantly and works without internet so your business financials are always one click away! Don’t believe me? [**Watch this demo**](https://x.com/GregGevorkyan/status/1874585636352795119) 👈\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/9b317d37-6269-4ec9-a2c2-7c86ba38545b)\n\n## **⌛️ Smart actions to save you time**\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/4e80b3f9-88a7-44f2-8576-29d29b9d79df)\n\nModernbanc learns how your business works and suggests smart actions to automate busy work. Simply press **Enter ↵** or **Backspace ⌫** to accept or reject an action.\n\n## \n\n## **📊 Budgeting, forecasting or reporting - all in one place**\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/d4814a75-6684-4ddc-abb7-5bb52c985a4b)\n\nModernbanc has **a built-in spreadsheet** that’s directly connected to your bank accounts and business finances. Build views you actually care about, not just the standard financials.\n\n# **Get started today:**\n\nBook a time with us [here](https://calendly.com/d/cqqj-8zz-b5v/modernbanc-intro), during the call we’ll be able to answer any questions you might have and determine if we’re a right fit for your company.\\\n\\\n_At the moment we’re only able to onboard US-based startups._", "url": "https://www.ycombinator.com/launches/Meo-modernbanc-fast-and-modern-alternative-to-quickbooks", "votes": 16, "created_at": "2025-01-23T17:01:27.387Z" }, { "id": 84421, "title": "Modernbanc - Real-time finance platform for startups", "tagline": "✨ Gain confidence into your business finances. Build real-time ARR/Burn and profitability reports in seconds.", "body": "**Modernbanc combines features from both Excel and Quickbooks to give founders the best way to track their business finances.**\n\n* Say goodbye to imports/exports and outdated reports.\n* Build ARR, Burn, or Runway trackers with live financial data in seconds.\n* Drill down and identify unneeded spend.\n\n[Book a call with us if monitoring live financial metrics is top of your mind.](https://modernbanc.com/?source=yclaunch)\n\n![uploaded image](/media/?type=post&id=84421&key=user_uploads/354461/07567780-ae7d-441b-9535-43b2bdb5e2ce)\n\n## **Problem**\n\nLet’s be honest - no one likes opening Quickbooks, yet it’s the place where your core financial data lives. This creates a disconnect between founders and their key financial metrics, leading to overspend, lack of confidence, and missed goals.\n\nTo get the answers you need, you’d typically export that data into a spreadsheet and then run some calculations.\n\nHowever, the problem is that historically, your accounting software and spreadsheet have always been disconnected, relying on clunky extensions and periodic CSV dumps. This leads to broken, outdated spreadsheets and wasted time cleaning and managing data.\n\n**Why do we still put up with this? We had to come up with a better solution.**\n\n## Meet Modernbanc: If Quickbooks and Excel had a baby.\n\nNo more clunky sheets extensions or periodic CSV dumps. With Modernbanc you just connect your bank accounts and accounting software and point directly to live balances and transactions within a spreadsheet interface. It just works.\n\n![uploaded image](/media/?type=post&id=84421&key=user_uploads/354461/e6929f86-d479-4bde-800c-2c2982d15612)\n\n![uploaded image](/media/?type=post&id=84421&key=user_uploads/354461/2e8a798e-acd2-4cd7-9834-9548fcd9c8e3)\n\n**Modernbanc offers the best of both worlds:**\n\n* **Built like a spreadsheet.** Ready to handle any free-form calculations, works offline, and has instant interactions.\n* **Powered by an integrated ledger**, ensuring your data is always up-to-date and reliable.\n\n**We care about quality and craft.** Inspired by Linear, our product is powered by our internal sync engine for that snappy, offline-first experience and WebGL canvas for ultra-fast rendering and instant calculations.\n\n### **What you can do:**\n\n* **Make plans and projections based on real-time accounts and balances.**\n* **Drill down and identify unneeded spend, break down live transactions into categories**\n* **Look up historical balances (e.g., “What was the balance of my account a month ago?”).**\n* **Maintain a full hierarchy of your accounts, revenue, and spend.**\n* **Track inventory and ensure nothing goes unaccounted.**\n\n### **What data sources do you support?**\n\nWhile Modernbanc has an accounting system that you can store data in, you can connect the following data sources to stream data to Modernbanc:\n\n* Your bank accounts\n* Ledger data from Quickbooks\n* Any custom source (You can create your own data sources within our UI).\n\n### **Who is it for?**\n\n* **Startups** looking to do expense reviews, building live Runway/Burn/Profitability trackers in minutes that don’t involve import/export and never need updating.\n* **Finance teams at medium/large** companies that waste countless working hours on broken spreadsheets when putting together reports.\n* Physical product startups who want to track inventory or other assets but find Quickbooks too limited.\n\n### **Deal:**\n\n* White-glove onboarding (we’ll build your financial views)\n* Data migration.\n* 2 months free for the first 10 clients that sign up through this launch.\n\n### **NEXT STEPS?**\n\n* Book a demo with us [**here,**](https://modernbanc.com/?source=yclaunch) and we’ll get you set up right away!\n* Follow us on [Linkedin](https://www.linkedin.com/company/modernbanc), [Twitt](https://x.com/modernbanc)[er](https://www.linkedin.com/company/modernbanc) and spread the word.\n\nYou can also reach us at [gregory@modernbanc.com](mailto:gregory@modernbanc.com) and [daniel@modernbanc.com](mailto:daniel@modernbanc.com). We’d love to help out if we can!", "url": "https://www.ycombinator.com/launches/Lxd-modernbanc-real-time-finance-platform-for-startups", "votes": 16, "created_at": "2024-10-01T14:53:35.154Z" }, { "id": 76120, "title": "Modernbanc Vault - Compliant encryption API for developers", "tagline": "🔒 Collect, encrypt, process and send your secret and sensitive data in 5 minutes. ", "body": "**TLDR**\n\n> We ([Modernbanc](http://modernbanc.com/)) just launched our [**Encryption Vault API**](https://modernbanc.com/vault) for developers. It allows you to securely collect, encrypt, process, and send sensitive data and achieve PCI/HIPAA or other compliance. Integrate multiple card payments processors and build unique journeys. Book a [demo](https://calendly.com/greg5/30) to learn more.\n\n![uploaded image](/media/?type=post&id=76120&key=user_uploads/354461/29acd05e-1c67-4ed4-8303-9bfd8dd42bc1)\n\n### **Problem:**\n\nAs companies we’re all busy building something customers want - sometimes it means working with and securing sensitive/secret data which can be a huge time and resource drain and derail your roadmap.\n\nSometimes a security or compliance breach can even kill your company!\n\n### **Do you:**\n\n* Work with card numbers and are worried about becoming subject to PCI compliance?\n* Need to store and protect customer data?\n* Need to solve a hard encryption/security issue?\n\nIf the answer to any of these is yes then we can help you!\n\n### **Introducing Encryption Vault.**\n\n[**Modernbanc Vault**](https://modernbanc.com/vault) helps you securely collect, store, process and send sensitive data and achieve compliance.\n\nYou can get started in 5 minutes and do the following:\n\n* Collect and encrypt data into the vault via our API proxy or by embedding our native SDKs.\n* Process it by deploying custom code onto Modernbanc Isolates - bullet-proof and secure environments.\n* Send this data to any API or a database.\n\nIt’s like wearing gloves - you have full control and can touch and manipulate your data with 0 exposure to your app or servers - it is magical!\n\n### **Use-cases:**\n\nYou can use it to solve any security/encryption roadblocks but these use-cases would be most familiar:\n\n* **Card/payments data:**\n * Working with card numbers or exposing it to your app/server puts you at risk of becoming subject to PCI compliance.\n * With Modernbanc you can delegate most of your PCI scope to us and launch your product in minutes!\n * Compliantly build custom payments journeys including a smart-checkout or payment orchestration.\n* **Customer and credentials data:**\n * Show your customers and partners that you’re serious about their security by collecting and processing their data in bullet-proof encrypted environments.\n* **Health data:**\n * Tick-off the PHI data collection, encryption and processing requirements for HIPPA.\n\n### **OFFER:**\n\nWe offer exceptional support, consultation sessions and a 1-year 30% discount to first 10 companies that sign up through here (mention ‘YC Launch’ in the link below) **with unlimited encrypt and decrypt operations.**\n\n### **NEXT STEPS?**\n\n* Book a demo with us [**here**](https://calendly.com/greg5/20) and we’ll get you set up right away!\n* Follow us on [Linkedin](https://www.linkedin.com/company/modernbanc), [Twitter](https://x.com/modernbanc) and spread the word.", "url": "https://www.ycombinator.com/launches/Jnk-modernbanc-vault-compliant-encryption-api-for-developers", "votes": 13, "created_at": "2023-11-09T19:10:09.068Z" } ] }, { "id": 13333, "name": "Upflow", "slug": "upflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b1ab8ca5ebabdab9b5b2a4f3b0349715907d614a.png", "website": "https://upflow.io/en/", "all_locations": "Paris, Île-de-France, France", "long_description": "Upflow builds the reference cash collection platform to help B2B companies get paid faster, more predictably, and with stronger customer relationships.\r\n\r\nToday, the order-to-cash process is mission critical for businesses, yet it remains fragmented across tools, teams, and workflows. Collections, payments, and reconciliation are often manual, reactive, and disconnected from the rest of the business. Upflow brings this entire process into one system — combining data, agentic automation, collaboration, and financial services to turn receivables into a predictable and scalable engine.\r\n\r\nWe serve 500+ companies across 30+ countries, including Vercel, Lattice, Productboard, and are backed by leading investors including Y Combinator, Hedosophia, Hexa, and Lorimer. With teams across the US and Europe, we’re building a category-defining company at the intersection of finance, payments, and AI.\r\n\r\nTo learn more about what we do, visit upflow.io. For a behind-the-scenes look at how we work as a team, head to the Inside Upflow section of our blog at upflow.io/blog/inside-upflow.", "one_liner": "Cash collection technology for B2B businesses", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1586871998, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/upflow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/upflow.json", "year_founded": 2018, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/upflowhq/", "x_url": "https://twitter.com/upflowhq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/upflow", "github_url": "https://github.com/upflowhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b1ab8ca5ebabdab9b5b2a4f3b0349715907d614a.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": 407922, "full_name": "Alex Louisy", "title": "Founder", "founder_bio": "Engineer. CEO and Co-founder of Upflow. YC W20.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexlouisy/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e478f7a9729a8865f7a62703ab129e8f1ef4c4b9.jpg" } ], "jobs": [], "news": [ { "title": "Engineering Principles at Upflow", "url": "https://upflow.io/blog/inside-upflow/engineering-principles-at-upflow", "date": "Feb 09, 2025" } ], "launches": [] }, { "id": 13335, "name": "Kosh", "slug": "kosh", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "website": "https://getkosh.com", "all_locations": "Gurugram, HR, India; HR, India", "long_description": "Kosh is a digital lending platform in India, empowering blue-collar workers with a unique joint liability model (much like microfinance but for a different segment). The social component of their underwriting helps control credit risk significantly and lower CAC/Opex in one go, making this 150mn-strong segment credit-worthy.", "one_liner": "Creating Microfinance 2.0.", "team_size": 56, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583792143, "tags": [ "Fintech", "Social", "India", "Consumer Finance", "Diversity & Inclusion" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kosh", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/kosh.json", "year_founded": 2020, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/getkosh/", "x_url": "", "fb_url": "https://www.facebook.com/getkosh/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 369878, "full_name": "Sahil Bansal", "title": "Founder", "founder_bio": "Cofounder of Kosh. Graduated from IIT Delhi in 2014. Worked as a quant strat at Goldman Sachs in their Investment Banking Division. Currently managing sales and operations at Kosh.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sahil-bansal-48b17b39/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f60471003a7c326bbc51748acac20ad46c5b7ec1.jpg" }, { "user_id": 369866, "full_name": "Aayush Goel", "title": "Founder", "founder_bio": "Trying to scale myself as a leader as Kosh scales. ex-Goldman Sachs, Graduate from IIT Delhi. Forbes u30 Asia. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aayushgoel92/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f0645a0961c0db202472ca0f3cbda9c584854ab.jpg" } ], "jobs": [], "news": [ { "title": "2022 In Review: The Best Of Inc42’s 30 Startups To Watch", "url": "https://inc42.com/startups/2022-in-review-the-best-of-inc42s-30-startups-to-watch/", "date": "Jan 05, 2023" }, { "title": "Kosh", "url": "https://www.forbes.com/profile/kosh/?list=30under30-asia-social-impact&sh=c4a86692c578", "date": "Aug 05, 2022" }, { "title": "Y Combinator-backed Kosh is a neobank for blue-collar workers in India | TechCrunch", "url": "https://techcrunch.com/2020/03/19/y-combinator-backed-kosh-is-a-neobank-for-blue-collar-workers-in-india/", "date": "Mar 19, 2020" } ], "launches": [] }, { "id": 13337, "name": "goDutch", "slug": "godutch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/139f3923e5b1264c5832c11db6a942d85eef67ba.png", "website": "https://godutchpay.in", "all_locations": "MH, India", "long_description": "goDutch is a new-age fintech app that powers group payments for millennials. We’re on a mission to reimagine group payments and enable people to enjoy with their friends without any worry of awkward reminders, delayed payments, and multiple transactions.\r\n\r\nWe've first-hand seen that group payments are very tedious - one person first pays on behalf of the entire group, then calculates and makes a note of who owes whom how much, and then individually reminds each person to pay back. At goDutch, we are passionately working towards re-imagining this multi-step process that extends over numerous days and multiple apps. Our focus is on being design-led and driving cutting-edge fintech innovation.\r\n\r\ngoDutch is founded by IIT Bombay grads with a total work experience of 10+ years in fintech and we are backed by global VC investors including Y Combinator.", "one_liner": "Group payments product which lets people pay together at any offline…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1583862506, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/godutch", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/godutch.json", "year_founded": null, "city": null, "country": "IN", "linkedin_url": "https://www.linkedin.com/company/godutchpay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/139f3923e5b1264c5832c11db6a942d85eef67ba.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 341460, "full_name": "Riyaz Khan", "title": "Founder", "founder_bio": "CPTO- goDutch", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/riyazk", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b1940a7cc10c8f4a99e55dda1c2c9c58d126563e.jpg" }, { "user_id": 365652, "full_name": "Sagar Sheth", "title": "Founder", "founder_bio": "Co-founder at goDutch (YC W20) | ex-VC at Eight Roads | IIT Bombay\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sagar8sheth/", "x_url": "https://twitter.com/sagar_s95", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95968d30a8c5a717766685c931cb5fc4f363fafd.jpg" }, { "user_id": 288976, "full_name": "Aniruddh Singh", "title": "Founder", "founder_bio": "Hi, I'm Aniruddh - ex-founder & CEO of goDutch (YC W20). Presently, I'm pursuing my MBA at Kellogg (Northwestern).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aniruddhsingh11/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b92c77d4e129e03d1b397970878f142ee8eda53.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13341, "name": "Pay Swifter", "slug": "pay-swifter", "former_names": [ "GIGI", "GIGI BENEFITS", "GIGI Benefits", "Smol Coach", "Swifter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4ad961e82ac5a621fa95d598d324b11f679eea47.png", "website": "https://payswifter.com", "all_locations": "Bengaluru, KA, India", "long_description": "Swifter offers a suite of payments solutions, including ACH, tailored to the unique needs of the cannabis industry. Standalone dispensary, MSO, or a marketplace, use Swifter's software and APIs to accept payments, send payouts, and supercharge your growth. \r\n", "one_liner": "Stripe for Cannabis", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1584051639, "tags": [ "Fintech", "B2B", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pay-swifter", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/pay-swifter.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/swifterhq", "x_url": "https://twitter.com/payswifter", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4ad961e82ac5a621fa95d598d324b11f679eea47.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 336037, "full_name": "Sowmya Rao", "title": "Founder", "founder_bio": "I started my career working as a securitization lawyer at Clifford Chance, one of the world's largest law firms. I then consulted for the Finance Ministry of India, Google and Uber - steadily transitioning from law to regulatory advisory to strategy.\n\nI started Swifter (YCW20) after leaving Uber. We built ACH APIs for a B2C use-case (cannabis) and were acquired by the Shopify for Cannabis - Treez. I spent the last 18 months at Treez as Director-Payments. I'm now looking to build/work in credit.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/legaljargon/", "x_url": "https://x.com/sowmyarao_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/04ae872a8ed0b43e412151bb16825e73d9388c87.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13354, "name": "yBANQ", "slug": "ybanq", "former_names": [ "Procureli Technologies Pvt. 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I would love to connect with other Fintech founders building solving similar problems and in the neobanking space\r\n\r\n", "one_liner": "yBANQ is building a Bill.com for India to simplify collections and…", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1583977292, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ybanq", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/ybanq.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/adeafd73575a3d62a8377efcebb27aa13569f642.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 336367, "full_name": "Abhishek Ayyagari", "title": "Founder", "founder_bio": "Former CEO and Co-Founder at yBANQ, Ex-Product head at PayU | Ex-CPO at Citrus payments. Built Subscriptions business at PayPal", "is_active": true, "linkedin_url": "https://linkedin.com/in/aayyagari", "x_url": "https://twitter.com/abs_ayyagari", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/29faf42d1dd770fb126994662c0cd3a650f7cc14.jpg" }, { "user_id": 418078, "full_name": "Ganesh Mallya", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ganeshmallya", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bb5f66503f06f8b4004791b5e07bfc01a973912f.jpg" }, { "user_id": 339605, "full_name": "Ahamed Shah Wahidullah", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ahamed-shah-84221118/", "x_url": "https://twitter.com/ahamedwahid", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/778766997cfead615dd62d2c13d4d197e427ec9e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13391, "name": "Spenny", "slug": "spenny", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5eab8ce312ccd084d88910aa9abc81700929490.png", "website": "http://spennyapp.com", "all_locations": "Bengaluru, KA, India", "long_description": "Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically.\r\n\r\n400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend.\r\n\r\nWe're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone.\r\n\r\nPotentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. \r\n\r\nMore interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships.\r\n\r\nWe acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds.\r\n\r\nOur long-term vision is to become a one-stop asset management solution for millennials.", "one_liner": "Acorns for India. Every time you swipe you make a digital…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584158431, "tags": [ "Fintech", "India", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/spenny", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/spenny.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/spenny/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5eab8ce312ccd084d88910aa9abc81700929490.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 349069, "full_name": "Gaurav Arora", "title": "Founder", "founder_bio": "Founder of spenny, scaled to 500,000 users and exited. Full stack product builder across fintech and AI.", "is_active": true, "linkedin_url": "https://linkedin.com/in/whogaurav", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/483407882c28d655a02e1eecf548cbff19b05a41.jpg" } ], "jobs": [], "news": [ { "title": "CRED Acquires Savings And Investment Platform Spenny | Entrepreneur", "url": "https://www.entrepreneur.com/en-in/news-and-trends/cred-acquires-savings-and-investment-platform-spenny/454679", "date": "Jun 23, 2023" } ], "launches": [] }, { "id": 13412, "name": "Easyplan", "slug": "easyplan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ce1f5cbfeb5313bfa743850844903dc383d7e630.png", "website": "https://easyplan.in/", "all_locations": "MH, India", "long_description": "Easyplan is an investment app for beginner investors in India (kind of a cross between Betterment and Qapital in the US). We also provide users with a credit card secured by their investments. \r\n\r\nWe launched with money market funds and have ~40,000 customers who’ve invested (~40% MoM growth). The pandemic spurred interest among new investors, and our AUM has grown 3x since April 2020. And we’ve done this with a cost of acquisition that is 10% of the industry average. \r\n\r\nHere’s the problem we see. Only 10% of the 100 million middle-income Indian workers have invested in the markets. This is despite the fact that they save ~30% of their income, making this a $325B potential market in assets under management. \r\n\r\nHowever, current investment apps in India are built for active investors. With over 16,000+ mutual funds and 5000+ stocks to choose from, they are far too complicated for beginners, who make up most of the market.\r\n\r\nWe’re building an AI - driven investment planning software that is designed for beginners. Users use our conversational AI to get diversified mutual fund portfolios tailored to their goals. We also offer users a credit card secured by their investments, so they can earn return without losing liquidity.\r\n\r\nIn terms of business model, we make commissions on the asset we manage, and interchange fees on the fund. We estimate we can make $12 per user per year, which is 6x our current acquisition cost of $2 per investor.", "one_liner": "An AI-driven investment app for beginner investors in India", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1584143039, "tags": [ "Fintech", "India", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/easyplan", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/easyplan.json", "year_founded": null, "city": null, "country": "IN", "linkedin_url": "", "x_url": "", "fb_url": "https://www.instagram.com/easyplan_india/?hl=en", "cb_url": "https://www.crunchbase.com/organization/easyplan", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ce1f5cbfeb5313bfa743850844903dc383d7e630.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 217463, "full_name": "Sanjay Gandhi", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sanjay-gandhi-58318410/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f26e51aab3d0601d8a99ea64f32a85f7bce17511.jpg" }, { "user_id": 171706, "full_name": "Manisha Pandita", "title": "Founder", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/manisha-pandita?originalsubdomain=in", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b282d555f9d5ce9fe8f1a7a76bac21f1a384f47f.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator Backed Easyplan Acquired By Neobanking Startup Jupiter", "url": "https://inc42.com/buzz/y-combinator-backed-easyplan-acquired-by-neobanking-startup-jupiter/", "date": "Jun 28, 2021" } ], "launches": [] }, { "id": 13415, "name": "Angle Health", "slug": "angle-health", "former_names": [ "AdRem Media", "Inc.", "Angle" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d49817ec52cedb0a83c434d820655f46cd43b8ad.png", "website": "https://www.anglehealth.com", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Health Insurance for Startups", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1595338272, "tags": [ "Health Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/angle-health", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/angle-health.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/30772774/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d49817ec52cedb0a83c434d820655f46cd43b8ad.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": 412653, "full_name": "Ty Wang", "title": "Founder", "founder_bio": "Send it ▶️", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tyw/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/98c271368029dedb6c2ab3d65d20f69d6d5cde6d.jpg" }, { "user_id": 416846, "full_name": "Anirban Gangopadhyay", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anirban-gangopadhyay-388b8565/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/68f6a9a8dda9ed03540e439b96770a1abbc0033d.jpg" } ], "jobs": [], "news": [ { "title": "AI Startup Angle Health Lands $600 Million for $2.7 Billion Valuation", "url": "https://www.wsj.com/pro/private-equity/ai-startup-angle-health-lands-600-million-for-2-7-billion-valuation-df77de76", "date": "Sep 18, 2026" }, { "title": "Payer startup Angle Health scores $58M to scale operations, expand to new market", "url": "https://www.fiercehealthcare.com/payers/angle-health-scores-58-million-scale-benefits-care-navigation", "date": "Jan 26, 2023" }, { "title": "Digital health insurance startup Angle Health closes on $58M round of funding - SiliconANGLE", "url": "https://siliconangle.com/2023/01/25/digital-health-insurance-startup-angle-health-closes-58m-series-round-funding/", "date": "Jan 25, 2023" } ], "launches": [] }, { "id": 13471, "name": "Nexu", "slug": "nexu", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57180bf742c6090ba22811fbccdb72de3de968c6.png", "website": "https://www.nexu.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "", "one_liner": "Financing platform for LatAm car dealerships.", "team_size": 63, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583483895, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/nexu", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/nexu.json", "year_founded": null, "city": "Mexico City", "country": "MX", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/nexu", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/57180bf742c6090ba22811fbccdb72de3de968c6.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": 411602, "full_name": "Fernando Gomez Arriola", "title": "Founder", "founder_bio": "Fernando is Co-Founder at Nexu.mx, responsible for Credit and Risk Assessment, Operations, Finance, HR and getting coffee for everyone. Fernando was born and raised in Mexico City, his childhood love for math led him to study Actuarial Sciences at ITAM and afterwards got his MBA at Wharton. Prior to starting Nexu, Fernando worked as an actuarial analyst at New York Life Insurance Company, as a Consultant at The Boston Consulting Group, and leading international growth and BizDev at Shopify. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernando-g%C3%B3mez-arriola-9a427024/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/858fa9471dd390e08dfca93642bea88c0b40090a.jpg" }, { "user_id": 421390, "full_name": "Abdon Nacif", "title": "Founder", "founder_bio": "Founder at Nexu. Bolivian, Texas Longhorn, Wharton MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abdonnacif", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c69c01ed8b402112f42b9ba87df2b9982ad19435.jpg" } ], "jobs": [], "news": [ { "title": "Nexu, a Mexican Fintech in the Auto Loans Space, Raises $50M in Debt and Equity", "url": "https://www.bloomberglinea.com/2022/01/25/yc-backed-nexu-a-mexican-fintech-in-the-auto-loans-space-raises-50m-in-debt-and-equity/", "date": "Mar 22, 2022" } ], "launches": [] }, { "id": 13475, "name": "delt.ai", "slug": "delt-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dcb1c46b88d645eeab5d7d7d6bb9d4c999e97eb6.png", "website": "https://delt.ai", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "delt.ai is building a specialized digital financial service for businesses in Latam, set to tackle the +450B Market of business payments in Mexico. delt.ai is a natively digital alternative to a bank, born with payments gateways and API integrations. Its truly digital KYC-compliant onboarding allowed us to be the first opening first branchless accounts in the country. We target poorly served Startups and SMEs therefore focusing on the ~40B market opportunity that are profitable when served fully online.", "one_liner": "Digital banking for businesses in Latam.", "team_size": 26, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1584983169, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "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/delt-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/delt-ai.json", "year_founded": 2019, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/delt-ai/", "x_url": "", "fb_url": "https://www.facebook.com/deltaCFO", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dcb1c46b88d645eeab5d7d7d6bb9d4c999e97eb6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 392120, "full_name": "Alejandro Cedeño", "title": "Founder", "founder_bio": "I'm a software engineer focused on efficient software architecture design, applying general best practices for SDLC, from algorithms and data structure to complex workflows and patterns. My other interests are AI and Fintech, especially how both can play together and deliver solutions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alejandro00", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ecb879d4888fa26fc3b9478d41509339ed84632.jpg" }, { "user_id": 369255, "full_name": "Jose de la Luz Lopez S", "title": "Founder", "founder_bio": "I am CEO and founder @ delt.ai\n\nI enjoy solving problems and building high-performance teams, my experience comes from finance in all areas including investments, Latam Stocks, Startups financial management, and corporate finance. I am convinced delt.ai will level the playfield on financial services for startups, SMEs and Freelancers in Latam. In my free time I teach at different places where I am invited.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josedelaluz/", "x_url": "https://twitter.com/josedelaluz_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/251bf44333160b6a23be18c8391e3671e59e44c0.jpg" } ], "jobs": [], "news": [ { "title": "delt.ai, Mexico’s corporate credit & spend management startup, raises $25M on the TrueFi blockchain platform", "url": "https://delt.ai/blog/deltai-raises-25-million-on-blockchain-platform", "date": "Feb 17, 2022" } ], "launches": [] }, { "id": 13481, "name": "Thndr", "slug": "thndr", "former_names": [ "Axis Markets", "Thndr", "thndr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/52a25a4c87f2c91f669390bbc9674ffd9078abd7.png", "website": "http://www.thndr.app", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "Thndr is a platform that allows MENA individuals to invest in Stocks, Gold and Fixed Income", "one_liner": "Investment platform for MENA individuals", "team_size": 235, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1598346387, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Egypt", "Middle East and North Africa", "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/thndr", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/thndr.json", "year_founded": 2019, "city": "Cairo", "country": "EG", "linkedin_url": "https://www.linkedin.com/company/thndrapp/", "x_url": "https://twitter.com/thndrapp", "fb_url": "https://www.facebook.com/thndrapp", "cb_url": "https://www.crunchbase.com/organization/thndr", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/52a25a4c87f2c91f669390bbc9674ffd9078abd7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 283746, "full_name": "Ahmad Hammouda", "title": "Founder", "founder_bio": "CFA Member\nBA in Business Administration\n2017 - 2019 l Uber l GM Egypt - Grew Uber Egypt’s bookings by 65% YoY to reach USD ~500mn in 2019 / member of USD 3.1bn Careem acquisition team\n2009 - 2017 l Investment Banking l Vice President - Advised on capital market deals worth EGP >10bn\n2-16 l Co-Founder of Apron - Egypt first branded dark kitchen EGP 12mn run rate", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ahmad-hammouda-a6575018/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7937684039b0544d4f994b6e297c49a19b14979e.jpg" }, { "user_id": 528661, "full_name": "Seif Amr", "title": "Founder", "founder_bio": "Investment Banking -> Uber Ops -> Thndr", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/seif486/", "x_url": "https://x.com/saiufa3", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/17f2dd2863417958f40d8e56220646be7474e494.jpg" } ], "jobs": [], "news": [ { "title": "Egyptian investment app Thndr nabs $20M from Tiger Global, Prosus Ventures and others – TechCrunch", "url": "https://techcrunch.com/2022/02/08/egyptian-investment-app-thndr-nabs-20m-from-tiger-global-prosus-and-others/", "date": "Feb 08, 2022" } ], "launches": [] }, { "id": 13482, "name": "Swipe Technologies", "slug": "swipe-technologies", "former_names": [ "Swipe", "Float", "Swipe - (Float, Accounteer)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23d8644c277b8738f10d9091c7b0cf18a46e9836.png", "website": "https://getswipe.com", "all_locations": "London, England, United Kingdom; Accra, Greater Accra Region, Ghana", "long_description": "Swipe is building modern modern payments, accounting and cashflow management tools for businesses. 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We’re building Fidelity for the African continent.\r\nFor wealthy Africans and their asset managers, investing in the global capital markets is cumbersome, expensive and practically inaccessible. In Nigeria, Africa's largest economy and home to 30% of all the wealth in Sub Saharan Africa (excluding South Africa), 99.99% of the investing population do not have access to invest globally. Even for the 0.01%, if you wanted to buy a US stock, you’d have to call your asset manager who would then call an international broker to execute a trade. This is inefficient & expensive!\r\nWe have a mobile app that allows individuals trade the US stock markets by themselves and a brokerage tool for asset managers to execute trades directly & manage multilple portfolios seamlessly.", "one_liner": "Bamboo ― the first online brokerage service for Africans and their…", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1583790711, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Nigeria", "Africa", "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/bamboo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/bamboo.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/investbamboo/", "x_url": "https://twitter.com/investbamboo", "fb_url": "https://www.facebook.com/Invbamboo/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7368c0b71e7ad96a5ab5a324e70f178b90c26969.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 406102, "full_name": "Richmond Bassey", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/richmondbassey/", "x_url": "https://twitter.com/Richmonb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/faf48619ebe2ac1b4d9a3103564d15e321409be2.jpg" }, { "user_id": 422653, "full_name": "Yanmo Omorogbe", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://ng.linkedin.com/in/yanmo-omorogbe-a39a6375", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cdc129624db9a6ec4c96b0b119bd80b0ae4c275a.jpg" } ], "jobs": [], "news": [ { "title": "Tiger Global and Greycroft back Nigerian investment app Bamboo in $15M round – TechCrunch", "url": "https://techcrunch.com/2022/01/31/tiger-global-and-greycroft-back-nigerian-investment-app-bamboo-in-15m-round/", "date": "Jan 31, 2022" } ], "launches": [] }, { "id": 13495, "name": "Fondeadora", "slug": "fondeadora", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/be08dda4b90b3b9b6dacc5ba166478966c41fd79.png", "website": "https://fondeadora.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Fondeadora is the digital alternative to the traditional Mexican banking system. We know that the current system is broken and we want to fix it. Our mission is to free people from their banks by giving them back control over their money. We want to serve the 54 million Mexicans who are unhappy with their current banks and the 65 million of Mexicans who currently do not have a bank account.\r\n\r\nOur first product is a mobile banking app and an international Mastercard debit card so you can spend, store and move your money seamlessly, completely fee-free.\r\n\r\nJoin us in this magical mystical ride.", "one_liner": "We are connecting every single Mexican to the financial system.", "team_size": 160, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583971276, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": 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"founders": [ { "user_id": 431944, "full_name": "Vitor Albuquerque", "title": "Founder", "founder_bio": "...", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/vitoralbuquerque/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fa7de9fc43bd41759d7c8884b04c9b11d6c27202.jpg" }, { "user_id": 374211, "full_name": "Luiz Studart", "title": "Founder", "founder_bio": "SaaS, Fintech and Proptech Founder", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/luizeduardostudart/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c29fc16e3d499a7ec54e6252056d10a32aa12098.jpg" }, { "user_id": 431857, "full_name": "Cassio Menezes", "title": "Founder", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/cassio-menezes-27bb6112a/", "x_url": null, "avatar_thumb_url": 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", "one_liner": "Crowdforce is an app that allows any local merchant in Africa,…", "team_size": 41, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583889146, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Nigeria", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/crowdforce", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/crowdforce.json", "year_founded": 2017, "city": "Abuja", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/crowdforce", "x_url": "https://twitter.com/mycrowdforce", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c00ac45c4ecc358bf318c108ea808d78f3341459.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 179019, "full_name": "Oluwatomi Ayorinde", "title": "Founder", "founder_bio": "Oluwatomi Ayorinde (Experience Software Engineer, Former SAP Development Consultant, Stanford Seed Graduate)\nBuilt the most successful banking solution for microfinance banks in Nigeria", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oluwatomiayorinde", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/38a3143b42b7b93dc9a8be50ffe608582359d44e.jpg" }, { "user_id": 412530, "full_name": "Damilola Ayorinde", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/damilola-ayorinde-05304279/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b90d183425fdc4ef358415be7d570326751d693.jpg" } ], "jobs": [], "news": [ { "title": "CrowdForce raises $3.6M during Series A - Ventureburn", "url": "https://ventureburn.com/2022/03/crowdforce-3-6m-series-a/", "date": "Mar 07, 2022" }, { "title": "Backed by Y Combinator, Nigerian agency banking startup CrowdForce raises $3.6m pre-Series A round | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/backed-by-y-combinator-nigerian-agency-banking-startup-crowdforce-raises-dollar36m/1t3jgxh", "date": "Feb 16, 2022" } ], "launches": [] }, { "id": 13508, "name": "GuruHotel", "slug": "guruhotel", "former_names": [ "GuruHotel", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8bb5ff249316d5bcee9ba94498a3fbe24db5bd30.png", "website": "https://guruhotel.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "GuruHotel is building the AI-native booking protocol that will power direct hotel reservations in the next decade, effectively becoming \"Stripe for hotel bookings\" and ending OTAs' $370B stranglehold on hospitality distribution.\r\n\r\nFor 25 years, hotel ecommerce has been broken. Independent hotels lack the infrastructure to sell directly online, forcing them to pay OTAs 20-40% commissions on 40-60% of their bookings. Hotel websites don't convert (<0.5% vs. 5-10% in modern ecommerce), booking engines redirect users, payments are fragmented, and inventory is trapped in legacy PMS systems.\r\n\r\nMore critically: AI agents cannot book hotels directly today. ChatGPT, Perplexity, Claude, none can complete a hotel transaction end-to-end because inventory isn't exposed in a machine-readable format.\r\n\r\nGuruHotel has built the complete solution: a full-stack ecommerce platform (website + native booking engine + checkout + payments + AI-ready APIs) that integrates directly with hotel PMS systems, enabling both humans and AI agents to book directly.\r\n", "one_liner": "AI-native direct booking infrastructure for global hospitality", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1583861926, "tags": [ "Fintech", "SaaS", "B2B", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "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/guruhotel", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/guruhotel.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/guruhotel/", "x_url": "https://twitter.com/guruhotelhq", "fb_url": "https://www.facebook.com/guruhotel", "cb_url": "https://www.crunchbase.com/organization/guruhotel", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8bb5ff249316d5bcee9ba94498a3fbe24db5bd30.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 354778, "full_name": "Jorge Flores Acevedo", "title": "Founder", "founder_bio": "Hospitality Professional with over 10 years of experience in E-commerce, Revenue Management and Online Distribution for Hotels and Vacation Rentals.\n\nBroad experience managing overall sales for properties in Mexico and the Caribbean with a deep understanding of booking engines, channel managers, price comparison and revenue management tools. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jorgefloresacevedo/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ad7c924d62996cbd71d408919b44c17784e8d84c.jpg" }, { "user_id": 7080, "full_name": "Josue Gio 🔥", "title": "Founder", "founder_bio": "Cofounder at @GuruHotel (YCW20). Angel Investor in +40 LATAM startups.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josuegio", "x_url": "https://twitter.com/JosueGio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f8bc0c87180a4229839049c671bc8c49bb833ca4.jpg" }, { "user_id": 451339, "full_name": "Stiven Martinez", "title": "Founder", "founder_bio": "I make digital products. I am based in Medellín, Colombia. Brands and UI / UX designer, frontend developer lead and co-founder of GuruHotel, Inc.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stivenmartinez/", "x_url": "https://twitter.com/stivenmart", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a61c19110c3cd74f1021ea23d46ab34af9bfb30c.jpg" } ], "jobs": [], "news": [ { "title": "GuruHotel Wants to Become the Shopify of Hotels, Raises $2.1M ", "url": "https://www.bloomberglinea.com/2021/12/15/guru-hotels-wants-to-become-the-shopify-of-hotels-raises-21m-to-do-it/", "date": "Dec 20, 2021" } ], "launches": [] }, { "id": 13573, "name": "Gas Pos", "slug": "gas-pos", "former_names": [ "Gas Pos, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/86f8f64334b32d8ebb242023b050bd8e715cc458.png", "website": "https://gaspos.co", "all_locations": "Little Rock, AR, USA", "long_description": "We have taken an incredibly monopolized, overpriced, asset-heavy industry and flipped it on its head by providing a better, modern, affordable alternative with more functionality on a SaaS model. ", "one_liner": "Modern Point of Sale for Gas Stations and Truck Stops", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1612800691, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/gas-pos", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/gas-pos.json", "year_founded": 2015, "city": "Little Rock", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/gas-pos-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/86f8f64334b32d8ebb242023b050bd8e715cc458.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 207919, "full_name": "Joshua Smith", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshua-smith-809244104/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3dc933e286286c04cf889ba738f9bffa7d94c8c.jpg" }, { "user_id": 427763, "full_name": "Nannette Smith", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nannette-smith-9a568512a", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0ed38f6b7181b82378d5d163b3f5f9eb35b6bf07.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13610, "name": "Belvo", "slug": "belvo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a630e8e8c65d44c6d85d84dfe4c115d9c8671c2.png", "website": "https://belvo.com", "all_locations": "São Paulo, SP, Brazil", "long_description": "We are Belvo, a financial API platform for Latam that enables any company or developer to access and interpret their end-users' financial information, through one easy-to-use API. Think Plaid for Latam.\r\n\r\nOur vision is to power the next generation of financial services in Latam by enabling more inclusive, efficient and empowering offerings through tech and data. Latam is a very exciting and dynamic place to be right now and a great place to build infrastructure for the next generation of financial products for a huge market.", "one_liner": "Open Finance API platform for Latam.", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583843586, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Brazil", "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/belvo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/belvo.json", "year_founded": 2019, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/belvofinance", "x_url": "https://twitter.com/joinbelvo", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/belvo", "github_url": "https://github.com/belvo-finance", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a630e8e8c65d44c6d85d84dfe4c115d9c8671c2.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": 418136, "full_name": "Oriol Tintore", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/uritintore/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/530f59abaca124211d78b507a0a06715c9f0d974.jpg" }, { "user_id": 418110, "full_name": "Pablo Viguera", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/viguerapablo/", "x_url": "https://twitter.com/viguerapablo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f5b8128d07da29d89ad11be93ae1e950799b790e.jpg" } ], "jobs": [], "news": [ { "title": "Belvo secures $15 million in new round of funding to power the next phase of Open Finance growth in Latin America - Belvo", "url": "https://belvo.com/blog/belvo-secures-15-million-in-new-round-of-funding-open-finance-latin-america/", "date": "Apr 16, 2025" } ], "launches": [] }, { "id": 13627, "name": "Jenfi", "slug": "jenfi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "website": "http://jenfi.com/", "all_locations": "Singapore, Singapore", "long_description": "We back growing digital businesses using revenue based financing.\r\n\r\nMany of growing businesses in Asia are highly \"bankable\" yet 50-70% are unable to obtain capital to grow their business.\r\n\r\nHaving been business owners ourselves, we experienced firsthand the struggles of funding a business - from expensive equity options to loans that required personal guarantees.\r\n\r\nWe went live in Singapore first to validate the product/market fit. We plan to expand across the APAC region..\r\n\r\nOur sweet spot is backing repeatable business spend - expenses that leads to increased revenue. Our financing product allows businesses to keep growing with us over time. Over a third of our advances today are from repeat borrowers.\r\n\r\nWe created a brand new asset class in Asia - offering flexible repayment options, such as tieing repayment with sales. Business owners LOVE this.\r\n\r\nOur automated financial technology platform ingests revenue and alternative data sources that gives us a proprietary edge in understanding the behavior of our borrowers. As we collect continuous data, we are able to offer better financial and technology solutions, while mitigating our downside risk.\r\n\r\nFunds are seamlessly deployed via our virtual Jenfi Wallet and MasterCard solution, giving borrowers flexibility to make payments while giving Jenfi real-time tracking of their spend.\r\n\r\nRecent coverage: \r\nhttps://techcrunch.com/2020/02/03/jenfi-wants-to-solve-small-business-lending-in-southeast-asia/", "one_liner": "Jenfi provides revenue-based financing for digital businesses in Asia ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1580951713, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/jenfi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/jenfi.json", "year_founded": 2019, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/jenfi", "x_url": "https://twitter.com/JenfiCapital", "fb_url": "https://www.facebook.com/jenficapital/", "cb_url": "https://www.crunchbase.com/organization/jenfi", "github_url": "https://github.com/jenfi-eng", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.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": 438040, "full_name": "Jeffrey Liu", "title": "Founder", "founder_bio": "Jeff is the CEO and co-founder of Jenfi.\n\nHe founded GuavaPass, a fitness subscription service, which he ran as CEO from 2015-2018. The company expanded to 12 markets across Asia and the Middle East and was subsequently sold to ClassPass in 2018.\n\nJeff brings a strong operational and financial background from GuavaPass, BeachMint (corporate development), Victory Park Capital (credit hedge fund) and Lehman Brothers (investment banking). He has a MBA from Chicago Booth.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeffreykliu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e906ac207c8625c1152790017919ace7844ceab9.jpg" }, { "user_id": 438237, "full_name": "Justin Louie", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nitsujri", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/036652f7f2293ef3c319a99d611dabcd5488bd88.jpg" } ], "jobs": [], "news": [ { "title": "Singapore-Based Y Combinator Graduate Raises $6.6 Million To Expand Its ‘Growth Capital As A Service’", "url": "https://www.forbes.com/sites/catherinewang/2023/05/17/singapore-based-y-combinator-graduate-raises-66-million-to-expand-its-growth-capital-as-a-service/?sh=54d706b34b65", "date": "May 17, 2023" }, { "title": "SG fintech firm gets $6.6m to expand automated business loans", "url": "https://www.techinasia.com/jenfi-66m-automate-business-loans", "date": "May 15, 2023" }, { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/jenfi-series-a-funding-monks-hill-ventures", "date": "Aug 17, 2021" } ], "launches": [] }, { "id": 19888, "name": "Altro", "slug": "altro", "former_names": [ "Hatch Credit", "Perch (Formerly Hatch Credit)", "Perch", "Perch Credit", "Perch", "Altro" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/58847e130c30f297f7cee19998c6a99931a8c35d.png", "website": "https://altro.io", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "Altro (altro.io) is a platform that enables members to build credit no matter who they are, where they are from, or their history of credit access/score. 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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We provide international founders with a U.S. business bank account, 30+ multi-currency accounts, global payouts in 140+ currencies, and smart debit cards.\n\n![](https://lh5.googleusercontent.com/ykzg-cdBJIwZ9TXgYARSV16B7poMw7Yd6L4qpQ9luVq1sO8CDaOqUiiT1vTaVq4iscwmdpp5YzGYso1zgE0uuB20sWWSRVAZ6xnoKVVLD5ZGnP0YxxgmkVIYcT7F05CFzz0-Ry1cejUevLIGzWvXvqhL-RCpkS7ChI6KM_mOdED30p4RBCneKDLu5A)\n\n**The Problem ‼️**\n\n**International businesses can’t access the U.S. financial services they need to grow.**\n\nThere has been an explosion of global founders choosing to form U.S. entities to make it easier to raise venture funding, use Stripe & PayPal, and sell to U.S. customers. \n\nUnfortunately, since non-U.S. residents don’t have an SSN, traditional financial institutions make it challenging for most global founders to open a real, high quality, FDIC-insured bank account. \n\nEven when it comes to emerging fintechs, international founders in particular have their own unique pain points: funding their business account from a local currency and bank, processing payouts in other currencies, and conducting business without getting their accounts frozen (many international founders using money transfer tools instead of bank accounts have had their accounts or funds frozen for months. Banks often do this as well). \n\nWe had one early customer from Argentina come to us after their Wells Fargo account (with over $1M USD deposited) was shut down overnight with no notice!\n\n**The Solution 👊🏿**\n\nA bank tailored to international founders.\n\nIn as little as _30 minutes_ after filling out our 10 minute application online, we can open an account for a founder without an SSN. \n\nWhile many other banks are willing to look at applications from international founders, they still reject upwards of 30%+ of applicants 😥. Novel’s greater understanding of these customers allows us to better accommodate these founders. Our custom KYC process allows us to quickly identify the customer and their risk profile, and issue them an account. \n\nWith Novel, founders all over the world can:\n\n1. Quickly open a business checking account and fund via 30+ currencies\n2. Receive physical and virtual debit cards\n3. Conduct payouts in 140+ currencies (more than any existing bank)\n4. 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I am from El Salvador and I angel invest in other Latam founders on the side.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rteran/", "x_url": "https://x.com/rogteran", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d0664a50cf4cb7e71c84c0c8b7f5a30d2942370e.jpg" } ], "jobs": [], "news": [ { "title": "Jack Ma-Backed Ant International Invests in Latin America Fintech R2 - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-10-30/jack-ma-backed-ant-international-invests-in-latin-america-fintech-r2", "date": "Oct 29, 2025" }, { "title": "Uber Eats y R2 lanzan programa de financiamiento para restaurantes en México | Newsroom de Uber", "url": "https://www.uber.com/es-MX/newsroom/uber-eats-y-r2-lanzan-programa-de-financiamiento-para-restaurantes-en-mexico/", "date": "Jan 21, 2025" }, { "title": "Google-Backed R2 Raises $59 Million in Equity, Debt for Lending - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2024-11-28/google-backed-r2-raises-59-million-in-equity-debt-for-lending?embedded-checkout=true", "date": "Nov 27, 2024" }, { "title": " SoftBank-Backed Delivery App Rappi to Offer Loans to Restaurants", "url": "https://www.bloomberg.com/news/articles/2023-07-27/softbank-backed-delivery-app-rappi-to-offer-loans-to-restaurants", "date": "Jul 27, 2023" }, { "title": "Fintech R2 Inks $100 Million Credit Line to Boost Mexico Lending", "url": "https://www.bloomberg.com/news/articles/2023-05-05/fintech-r2-inks-100-million-credit-line-to-boost-mexico-lending", "date": "May 05, 2023" } ], "launches": [] }, { "id": 22902, "name": "Verak", "slug": "verak", "former_names": [ "BimaPe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/855c741a332ef96bfff5cdcb2a2907b57709f104.png", "website": "http://verak.in", "all_locations": "Bengaluru, KA, India", "long_description": "Verak is now part of InsuranceDekho as of April 2023.\r\n\r\nVerak offered next day coverage starting at ₹8 per day for MSMEs in India to insure any facility (shop, warehouse, factory etc) against 15+ natural & man-made perils. (*)\r\n\r\nOur team worked across the entire insurance value-chain: From satellite based underwriting to machine learning based pricing to instant quotation to WhatsApp based claims.\r\n", "one_liner": "Better Business Insurance for MSMEs in India", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1616840076, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/verak", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/verak.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/verak/", "x_url": "https://twitter.com/VerakInsurance", "fb_url": "https://www.facebook.com/VerakInsurance/", "cb_url": "https://www.crunchbase.com/organization/bimape", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/855c741a332ef96bfff5cdcb2a2907b57709f104.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 579145, "full_name": "Rahul Mathur", "title": "Founder", "founder_bio": "Now: Pre-Seed Investor @ DeVC\nPrev: Founder @ Verak (acquired by InsuranceDekho)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rahul-jaideep-mathur/", "x_url": "https://twitter.com/Rahul_J_Mathur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7ebce5400dc20560efa5ac80ce39979911926959.jpg" } ], "jobs": [], "news": [ { "title": "Insurtech startup InsuranceDekho acquires Verak, says CEO Ankit Agrawal | Mint", "url": "https://www.livemint.com/companies/start-ups/insurtech-startup-insurancedekho-acquires-verak-says-ceo-ankit-agrawal-11680647639156.html", "date": "Apr 04, 2023" } ], "launches": [] }, { "id": 22903, "name": "Finary.com", "slug": "finary-com", "former_names": [ "Finary", "Finary.eu" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92697d15148b993a9430a508d613dc56ccc3c842.png", "website": "https://finary.com/en", "all_locations": "Paris, Île-de-France, France", "long_description": "Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.", "one_liner": "The new wealth manager for Europe", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1616250491, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finary-com", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/finary-com.json", "year_founded": 2020, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/finaryhq/", "x_url": "https://twitter.com/finaryhq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/finary-9c9e", "github_url": "https://github.com/finary-wealth", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/92697d15148b993a9430a508d613dc56ccc3c842.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 610088, "full_name": "Mounir Laggoune", "title": "Founder", "founder_bio": "CEO @ Finary. I'm on a mission to give power back to savers. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mounirlaggoune/", "x_url": "https://twitter.com/moonlaggoune", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9e43bb65a8880684e3e3c7755086617eb54cb398.jpg" } ], "jobs": [], "news": [ { "title": "Parisian fintech Finary picks up €2.1 million from its community in 21 minutes - Tech.eu", "url": "https://tech.eu/2022/03/30/parisian-fintech-finary-picks-up-eur21-million-from-its-community-in-21-minutes", "date": "Mar 30, 2022" }, { "title": "Finary wants to reimagine private banking • TechCrunch", "url": "https://techcrunch.com/2022/02/24/finary-wants-to-reimagine-private-banking/", "date": "Feb 24, 2022" } ], "launches": [] }, { "id": 23036, "name": "Solo", "slug": "solo", "former_names": [ "SoloSuit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/888fa679977b5e66cbfce96bde4be5ca934497be.png", "website": "https://www.solosuit.com/", "all_locations": "Provo, UT, USA; Remote", "long_description": "Solo, formerly SoloSuit, helps Americans resolve debt. People use our first product, SoloSuit to respond to debt lawsuits and create other legal documents. Then they use SoloSettle to connect with the collector and settle the debt. We're targeting the $35B debt resolution market.", "one_liner": "We help people resolve debt.", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1614916191, "tags": [ "Fintech", "Consumer", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "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/solo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/solo.json", "year_founded": 2018, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/solosuit/", "x_url": "", "fb_url": "https://www.facebook.com/pages/category/Legal/SoloSuitcom-2572987036059112/", "cb_url": "https://www.crunchbase.com/organization/solosuit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/888fa679977b5e66cbfce96bde4be5ca934497be.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 406266, "full_name": "George Simons", "title": "Founder", "founder_bio": "George is dedicated to closing the Justice Gap. SoloSuit does this by helping people respond to debt-collection lawsuits. He graduated from BYU with his JD/MBA in 2020. In his spare time, he likes to cook — because he likes to eat. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/georgeasimons/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d1580b8dfb321ca43de834eb89a0d39a294e6695.jpg" } ], "jobs": [ { "id": 44054, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/solo/jobs/N3UOV8i-senior-software-engineer", "location": "US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $220K", "equity_range": "0.10% - 0.75%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "JavaScript", "Ruby", "Ruby on Rails", "Heroku" ] }, { "id": 64685, "title": "Growth Marketing Manager", "url": "https://www.ycombinator.com/companies/solo/jobs/Z6UmSDo-growth-marketing-manager", "location": "US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$80K - $150K", "equity_range": "0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 68926, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/solo/jobs/sT3t6VQ-software-engineer", "location": "US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$90K - $160K", "equity_range": "0.05%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "JavaScript", "Ruby", "Ruby on Rails", "Heroku" ] }, { "id": 74338, "title": "Senior Growth Marketing Manager", "url": "https://www.ycombinator.com/companies/solo/jobs/NLQkXDC-senior-growth-marketing-manager", "location": "US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$90K - $180K", "equity_range": "0.10%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79334, "title": "Senior Growth Marketing Executive", "url": "https://www.ycombinator.com/companies/solo/jobs/xBVUxWe-senior-growth-marketing-executive", "location": "US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$150K - $250K", "equity_range": "1.00%", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85018, "title": "Product Manager", "url": "https://www.ycombinator.com/companies/solo/jobs/Da0stff-product-manager", "location": "US / Remote (US)", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$90K - $210K", "equity_range": "1.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 87714, "title": "Executive Assistant", "url": "https://www.ycombinator.com/companies/solo/jobs/FHG6L0r-executive-assistant", "location": "US / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$52K - $116K", "equity_range": "0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114968, "title": "Creditor Relations Agent", "url": "https://www.ycombinator.com/companies/solo/jobs/2ZSRJ2w-creditor-relations-agent", "location": "US / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$41.6K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "SoloSuit Helps Clients Respond To and Settle Debt Lawsuits by Using Automated To", "url": "https://www.cardrates.com/news/solosuit-simplifies-the-response-to-debt-lawsuits/", "date": "Mar 29, 2023" }, { "title": "SoloSuit achieves the milestone of saving Americans 600 million USD in debt collection", "url": "https://www.ibtimes.com/solosuit-achieves-milestone-saving-americans-600-million-usd-debt-collection-3673231", "date": "Mar 02, 2023" }, { "title": "Civil Court Fees Block Justice Even in Well-Intentioned States", "url": "https://news.bloomberglaw.com/us-law-week/civil-court-fees-block-justice-even-in-well-intentioned-states", "date": "Feb 23, 2022" }, { "title": "SoloSuit launches a app to to help respond to debt lawsuits – TechCrunch Disrupt", "url": "https://techcrunch.com/2020/09/15/solosuit-launches-a-web-app-to-to-help-u-s-users-respond-to-debt-lawsuits/", "date": "Sep 15, 2020" } ], "launches": [] }, { "id": 23063, "name": "Striga", "slug": "striga", "former_names": [ "Lastbit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b08440373659fcbdaa43425b9239102bfad05c12.png", "website": "https://striga.com/", "all_locations": "Tallinn, Harju County, Estonia", "long_description": "Striga is building infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early stage FinTech's, Web3 innovators, Banking Institutions and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing and Banking. Building a crypto business today is a highly regulated space unlike a few years ago and maintaining a compliance program and building technology presents a huge barrier to entry for startups and mid-size businesses alike and the Striga platform solves the problem with a single set of APIs and a single contract to deliver services to 30 countries today.", "one_liner": "Compliant Crypto and Banking Infrastructure", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614224006, "tags": [ "Crypto / Web3", "Compliance" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Estonia", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/striga", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/striga.json", "year_founded": 2018, "city": "Tallinn", "country": "EE", "linkedin_url": "https://www.linkedin.com/company/striga", "x_url": "https://twitter.com/strigahq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/striga", "github_url": "https://github.com/lastbit-io", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b08440373659fcbdaa43425b9239102bfad05c12.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 590685, "full_name": "Prashanth Balasubramanian", "title": "Founder/CTO", "founder_bio": "Passionate early Bitcoin-er and developer. Left ETH Zurich mid-way through my MSc to build Lastbit/Striga. Working with bitcoin and playing a European tour with a German band, evidently illustrated the horrors of only legally having access to an Indian bank account but attempting to use multiple currencies on a daily basis, whilst bitcoin was promised to solve this problem. Striga solves this and enables businesses to solve this.\n\nIn my \"free\" time - semi-pro drummer & full time metalhead", "is_active": true, "linkedin_url": "http://linkedin.com/in/pbio", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/50cdaeae8f90f5300a4e40d08d1064e391d7db89.jpg" } ], "jobs": [], "news": [ { "title": "Estonia Approves First Bitcoin, Crypto Bank Striga - Bitcoin Magazine - Bitcoin News, Articles and Expert Insights", "url": "https://bitcoinmagazine.com/legal/estonia-approves-first-bitcoin-crypto-bank-striga", "date": "Sep 26, 2022" }, { "title": "Estonia Grants First Crypto License to LastBit's Striga", "url": "https://www.coindesk.com/policy/2022/09/22/estonia-grants-first-crypto-license-to-lastbits-striga/", "date": "Sep 22, 2022" } ], "launches": [ { "id": 70901, "title": "Striga - Crypto-backed card issuing APIs", "tagline": "Flexible APIs to issue Virtual/Physical Visa Cards backed by Bitcoin, USDT etc.", "body": "Striga offers powerful (and compliant!) APIs to issue and manage a crypto card program, enabling builders to embed compliant real-time spending workflows for authorizing card transactions against a crypto balance.\n\n**Why Striga?**\n\nIn today’s climate, setting up a simple custody or exchange business, let alone a card program either costs several millions + years of your time in jumping through regulatory hoops and approvals, or is simply denied by financial institutions.\n\n[Striga is the first company licensed](https://striga.com/blog/the-first-vasp-licensed-under-estonia-aml-framework/) under a regime very similar to the proposed [MiCA](https://www.klgates.com/MiCA-Overview-of-the-new-EU-crypto-asset-regulatory-framework-Part-1-11-15-2022) legislation, taking care of all the heavy lifting under the hood (banking connectors, liquidity, custodian connectors, issuing, processing, compliance, monitoring, reporting) and **exposing simple yet powerful APIs to manage crypto, card issuing and banking in Europe.**\n\n\n\n**Who we are**\n\nPrashanth founded Striga in 2018 to build a better payments network utilizing Bitcoin, having experienced first hand the pains of gaining access to banking as an immigrant in Europe for moving funds across borders. As he got the company got off the ground with it’s initial consumer facing Bitcoin Lightning powered neo-bank in Europe (Lastbit) and shipping the world’s first ever non-custodial instant payments device, building Striga was inevitable, with growing friction between financial institutions and crypto first companies.\n\nToday, Striga powers the core infrastructure for numerous European crypto companies which would have otherwise simply not existed with the barrier to entry being raised year over year.\n\nThrough the recession of 2022 and the downfall of large names in crypto, Striga’s small but mighty team successfully weathered the storm, secured a VASP license, built banking relationships, issuing relationships and mainly the core platform [that is public today](https://portal.striga.com/signup).\n\n**The deal**\n\nEmbed card issuing into your product using Striga and your first 500 physical cards are on us, free of charge!\n\n![uploaded image](/media/?type=post&id=70901&key=user_uploads/590685/0d1bd91f-c7a6-44b5-9573-eb52721d8d00)\n\n", "url": "https://www.ycombinator.com/launches/IRZ-striga-crypto-backed-card-issuing-apis", "votes": 22, "created_at": "2023-04-12T15:23:14.913Z" }, { "id": 64541, "title": "Striga - Crypto and Banking APIs", "tagline": "Embed crypto & banking infrastructure into your application", "body": "Hello YC,\n\nPrashanth here, from Striga. Striga is a set of APIs that allows you to blend **banking infrastructure and crypto infrastructure** **in a way** **that works for your application**, without requiring you to need a license or compliance team of any sort.\n\nFor instance, you can issue a Visa card and link it to a USDT or Bitcoin account, or you can simply onboard users and generate unique USDC deposit addresses to build compliant on/off ramps.\\\n\\\nCheck out the documentation here - [docs.striga.com](https://docs.striga.com/)\n\n### **What Striga Fixes**\n\nBuilding and launching a crypto application that uses traditional financial services (such as card issuing/banking) is either compliance intensive, expensive, constrained or unavailable.\n\nWe shipped the first ever Bitcoin LN powered payment card which took nearly 2.5 years to come to fruition, simply because banks refused to work with us or give us the room we needed to innovate. Instead, we ended up having to build two separate mobile applications powered by two different banks, connected via the lightning network. Those same APIs evolved into what Striga is today.\n\n![uploaded image](/media/?type=post&id=64541&key=user_uploads/590685/29cffa6d-39b1-4665-af3c-f2b7e0bf67d5)\n\nIf you are building a payments application or anything that requires on/off ramps or secure crypto custody/trading, I encourage you to try building on Striga - We’ve seen prototypes built in less than 24 hours! \n\n[You can sign up for a free developer account](https://portal.striga.com/), get your API keys, fork our postman collection and start building in minutes!\n\n![uploaded image](/media/?type=post&id=64541&key=user_uploads/590685/81e1b1b4-89d1-46df-a36e-81e875f87aa9)\n\n\n### **The deal**\n\nPricing for launching your app on Striga is [publicly available here](https://striga.com/pricing). Please contact us on [hello@striga.com](mailto:hello@striga.com) if you're interested in building on the platform!\n\nAdditionally, if you're looking to launch payment cards and saw this post, get in touch and we'll give you a **50% discount on the manufacturing cost of your first batch of cards** with us (i.e. **500 free physical cards**).\n\n![uploaded image](/media/?type=post&id=64541&key=user_uploads/590685/1533575d-a8dc-40b5-8ce8-e50fdcf739f5)\n\n", "url": "https://www.ycombinator.com/launches/Gmz-striga-crypto-and-banking-apis", "votes": 81, "created_at": "2022-07-12T14:51:17.695Z" } ] }, { "id": 23064, "name": "Tint", "slug": "tint", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7dde25caa0cd447568d68dc1fc85383b5f346ba8.png", "website": "http://www.tint.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Tint makes it easy for tech platforms to embed insurance into their products. For example, when you go to Outdoorsy to rent an RV, the insurance that is sold with the rental is powered by our technology.\r\n\r\nOur product provides anything that is needed from underwriting software to access to insurers to compliance, in a simple API. 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I'm 30 years old, Software Engineer that doesn’t code. Last year I sold my first company, Herolens, a SaaS creative management platform to Innovid. I was awarded by the Forbes Magazine for the “30 Under 30” Class of 2019 and distinguished by the Bureau of Educational and Cultural Affairs of the U.S. Department of State from over 4000 young professionals from all Latin America.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alankarpovsky/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b1f7295c6c5d036ba35b44d00cb58fcd5050bacc.jpg" }, { "user_id": 601433, "full_name": "Alejandro Zecler", "title": "Founder", "founder_bio": "I'm 31 years old, Industrial Engineer. In 2020 I sold my first company, Zetech (acquired by Visma), a SaaS document management solutions in LATAM. Lover for new technologies, excels at building very strong partner/customer relations. \n\n", "is_active": true, "linkedin_url": "http://linkedin.com/in/alejandrozecler", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d85fa191a86e857b4965723e56006e5e9fa0c8d.jpg" } ], "jobs": [], "news": [ { "title": "YC alum Mendel, a ‘Ramp for LatAm enterprises,’ raises $35M Series B | TechCrunch", "url": "https://techcrunch.com/2025/03/27/yc-alum-mendel-a-ramp-for-latam-enterprises-raises-35m-series-b/", "date": "Mar 27, 2025" }, { "title": "Mexico’s Mendel secures $35M to tackle LatAm’s corporate spend management problem – TechCrunch", "url": "https://techcrunch.com/2021/12/02/mexicos-mendel-secures-35m-to-tackle-corporate-spend-management-in-latam/", "date": "Dec 02, 2021" } ], "launches": [] }, { "id": 23260, "name": "Z1", "slug": "z1", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.png", "website": "https://z1.app/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Z1 is a digital banking app made for teenagers and young adults. By using the Z1 app and a prepaid card linked to their account, teenagers can begin their road to financial independence by learning to manage and spend their money, as well as having a place to receive money they earn through jobs and small businesses.", "one_liner": "Digital bank for teenagers in LatAm connected to prepaid card ", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1614809157, "tags": [ "Fintech", "Payments", "Consumer", "Lending", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Brazil", "Latin America", "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/z1", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/z1.json", "year_founded": 2019, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/z1app/", "x_url": "https://twitter.com/z1_app", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/z1-8982", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 463927, "full_name": "Joao Pedro Thompson", "title": "Founder", "founder_bio": "João Pedro is a co-founder and CEO at Z1. Before Z1, he co-founded Vereda, an education startup focused on providing high-quality K12 education at affordable prices for the Brazilian middle-class. He started his career in investment banking at Itau BBA and also worked in the finance department at Kraft Heinz, where he headed LatAm treasury. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joaopedrothompson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f65485bc0aaec9af0f136b972440245c745fca7.jpg" }, { "user_id": 448805, "full_name": "Thiago Achatz", "title": "Founder", "founder_bio": "Thiago is co-founder and COO of Z1. Before that, he was part of the founding teams of Rappi (YCW16) and Grow (Grin YCS18 + Yellow), helping build the digital wallet at Grow. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thiago-waddington-achatz-3280a297/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/90e79bec22eaa68b72eebdc2b5961b340f59c878.jpg" }, { "user_id": 488789, "full_name": "Mateus Craveiro", "title": "Founder", "founder_bio": "Mateus Craveiro is CTO and co-founder at Z1, a digital bank for teenagers in Latam.\nPrior to Z1, Mateus was a Principal Software Engineer at Pagar.me (Stripe in Brazil), which was later acquired by StoneCo. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mccraveiro", "x_url": "https://twitter.com/mccraveiro", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9e2da66ac32727fb2778509236592cf82f2b8d5c.jpg" }, { "user_id": 595912, "full_name": "Sophie Secaf", "title": "Founder", "founder_bio": "Sophie Secaf is a creative strategist, consultant, and cultural researcher. Before founding Z1, Sophie worked as a political researcher in São Paulo and lead YONE, a branding company based in NYC. Secaf specializes in socio-cultural research, consumer insights and brand strategy. She is particularly interested in subcultures and consumer behavior. She is also the co-founder of YAGA festival, a festival focused in the international exchange of global subcultures and queer perspectives.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sophie-secaf-b647b891", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/31e90c9b10d10efd30938fb0f1c27c43a76fac7d.jpg" } ], "jobs": [], "news": [ { "title": "Kaszek leads Z1’s latest round as it develops its bank app aimed at LatAm teens – TechCrunch", "url": "https://techcrunch.com/2021/11/22/kaszek-leads-z1s-latest-round-as-it-develops-its-bank-app-aimed-at-latam-teens/", "date": "Nov 22, 2021" } ], "launches": [] }, { "id": 23265, "name": "Mono", "slug": "mono", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b97c4db893c7132d2d6deeb08700784456ba75dc.png", "website": "https://mono.co", "all_locations": "Lagos, LA, Nigeria", "long_description": "We allow companies to access data from their customers bank accounts and allow them to debit money from these same bank accounts. ", "one_liner": "Plaid for Africa, but better. ", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1612182536, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Nigeria", "Africa", "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/mono", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/mono.json", "year_founded": 2020, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/withmono", "x_url": "https://twitter.com/mono_hq", "fb_url": "https://facebook.com/mono_hq", "cb_url": "mono", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b97c4db893c7132d2d6deeb08700784456ba75dc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 240436, "full_name": "Abdulhamid Hassan", "title": "Founder", "founder_bio": "CEO at Mono, Previously a product manager at Paystack", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ijbkid/", "x_url": "https://twitter.com/ijbkid", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/85a15bf65d6c2061c1a0af3bb864980ab976560b.jpg" }, { "user_id": 571965, "full_name": "Prakhar Singh", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/whoisprakhar/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ad080ecb18ced732e5e6d19a1b829b670877ae1.jpg" } ], "jobs": [], "news": [ { "title": "Tiger Global backs African fintech Mono in $15M Series A round – TechCrunch", "url": "https://techcrunch.com/2021/10/11/tiger-global-backs-african-fintech-mono-in-15m-series-a-round/", "date": "Oct 11, 2021" } ], "launches": [ { "id": 91578, "title": "OWO: Send Money from WhatsApp Instantly", "tagline": "Enabling 100M bank account owners in Nigeria send money on Whatsapp", "body": "https://owo.co\n\n**TL;DR:** OWO, built by Mono, is an intelligent money interface on WhatsApp that lets Nigerians send money directly from their bank account to anyone nationwide — and soon, across Africa. Users can also buy airtime, data, and more — all securely, without leaving WhatsApp.\n\n**Problem**\n\nOWO solves a key problem: millions of Nigerians use WhatsApp daily, but can’t easily send money or pay bills from it. Traditional methods like USSD and banking apps are slow, unreliable, or hard to use.\n\n**Solution**\n\nWith OWO, users can now send money, buy airtime, and more — directly inside WhatsApp, using simple text or voice. No new app, no stress. It’s fast, secure, and built on Mono’s licensed infrastructure.\n\nFor the first time, 100M+ Nigerian bank account holders can move money as easily as sending a message — and soon, across Africa.\n\nhttps://youtu.be/f0UC5JDBRAU\n\n**Ask**\n\nWe just crossed ₦1 billion ($700k) in processed transactions on OWO! 🚀\n\nWe’d really appreciate your support in sharing this milestone on social media and following us:\n\n📢 [Share on X](https://x.com/joinowo/status/1937208310056296636)\n\n🐦 X: [@joinowo](https://x.com/@joinowo)\n\n📸 Instagram: [@joinowo](https://instagram.com/joinowo)\n\nThanks for being part of the journey!", "url": "https://www.ycombinator.com/launches/Np4-owo-send-money-from-whatsapp-instantly", "votes": 14, "created_at": "2025-06-24T14:23:49.869Z" } ] }, { "id": 23271, "name": "Ziina", "slug": "ziina", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "website": "https://www.ziina.com", "all_locations": "Dubai, United Arab Emirates", "long_description": "Ziina is bringing the next generation of financial services to the Middle East.", "one_liner": "A digital wallet for the Middle East & North Africa", "team_size": 57, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1615710655, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "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/ziina", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/ziina.json", "year_founded": 2020, "city": null, "country": "AE", "linkedin_url": "https://www.linkedin.com/company/ziina/", "x_url": "https://twitter.com/ziinamena?lang=en", "fb_url": "https://www.facebook.com/pages/category/Internet-Company/Ziina-106780037720526/", "cb_url": "https://www.crunchbase.com/organization/ziina", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 490218, "full_name": "Sarah Toukan", "title": "Founder", "founder_bio": "Sarah Toukan is the Chief Product Officer and Co-Founder of Ziina. She has product and startup experience across several diverse and exciting spaces, including the fintech space in the UAE, the proptech space in London, and the autonomous vehicle space in Silicon Valley. \n \nSarah graduated from Stanford with a Bachelor’s and Master's Degree in Mechanical Engineering, with a Product Development concentration. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sarah-toukan-7821751a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92c53ea49a8ee292d9932da9cee04f7430f7eb5a.jpg" }, { "user_id": 491414, "full_name": "Andrew Gold", "title": "Founder", "founder_bio": "Andrew began his career as an engineer on the iOS Safari team at Apple. He left Apple to join an early stage startup, Distributed Systems, which was later acquired by Coinbase. At Coinbase, Andrew helped build the Coinbase Wallet app, a product which enables users all over the world to store their own crypto and access the decentralized web. Inspired by the mission of expanding economic freedom, Andrew relocated from San Francisco to Dubai to found Ziina. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-gold-b0509662/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e57b7b0a5176102374b5ce959fed15cd372832.jpg" }, { "user_id": 425633, "full_name": "Faisal Toukan", "title": "Founder", "founder_bio": "Faisal Toukan is the CEO and Co-Founder of Ziina. He has experience across consumer fintech, enterprise sales, blockchain, start-ups, and venture capital with a passion for bringing new technologies to market. \n", "is_active": true, "linkedin_url": null, "x_url": "https://twitter.com/FaisalToukan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cef55d5b17dc95ac33f7ea306c21f54f0089cd86.jpg" } ], "jobs": [ { "id": 50458, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/ziina/jobs/WRU4wzI-senior-backend-engineer", "location": "Dubai", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$100K - $150K", "equity_range": "0.01% - 0.18%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "GraphQL", "Node.js", "PostgreSQL", "TypeScript", "Kafka" ] }, { "id": 75339, "title": "Android Engineer ", "url": "https://www.ycombinator.com/companies/ziina/jobs/sqWPC5O-android-engineer", "location": "AE", "type": "Full-time", "role": "Engineering", "role_type": "Android", "salary_range": "$100K - $150K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Java", "Kotlin" ] } ], "news": [ { "title": "Ziina banks $22M as growth explodes for the UAE-based fintech for small businesses | TechCrunch", "url": "https://techcrunch.com/2024/09/02/ziina-banks-22m-as-growth-explodes-for-the-uae-based-fintech-for-small-businesses/", "date": "Sep 02, 2024" }, { "title": "This Y Combinator-backed fintech startup aims to be the Amazon Pay of the Middle East ", "url": "https://yourstory.com/ys-gulf/y-combinator-fintech-dubai-startup-ziina-middle-east-digital-wallet", "date": "Oct 27, 2022" }, { "title": "Making It Big: Four Tactics That Enabled UAE-Born Startup Ziina To Make It To Y Combinator", "url": "https://www.entrepreneur.com/article/434057", "date": "Aug 24, 2022" }, { "title": "Ziina heralds new age of online payments with digital wallet for UAE - News | Khaleej Times", "url": "https://www.khaleejtimes.com/business/ziina-heralds-new-age-of-online-payments-with-digital-wallet-for-uae", "date": "Feb 09, 2022" }, { "title": "YC-backed Ziina raises $7.5M seed led by Avenir Growth Capital and Class 5 Global – TechCrunch", "url": "https://techcrunch.com/2021/06/07/yc-backed-ziina-raises-7-4m-seed-from-avenir-growth-capital-and-class-5-global/", "date": "Jun 07, 2021" } ], "launches": [ { "id": 65267, "title": "ZiiBoard: POS in your DMs 💰 💬", "tagline": "The ZiiBoard is a payments keyboard that allows businesses to get paid via WhatsApp, Instagram, or any messaging app in just a few taps.", "body": "Hi! We’re Ziina, and we are bringing financial freedom to the Middle East.\n\n**The problem:** \\\nFor small businesses, collecting cash is a massive challenge —from issuing invoices, tracking payments, awkwardly following up with clients, and switching between multiple apps just to get paid.\n\n**The solution:** \\\nWe've just made the process a whole lot easier. We're delighted to announce the ZiiBoard. Businesses can now request payments on WhatsApp, Instagram, or any messaging app in just a few taps.\\\n\\\n[**Introducing the ZiiBoard**](https://www.youtube.com/watch?v=EM7On0rBv6s)", "url": "https://www.ycombinator.com/launches/Gyh-ziiboard-pos-in-your-dms", "votes": 9, "created_at": "2022-08-10T14:12:23.700Z" } ] }, { "id": 23277, "name": "Pagaloop", "slug": "pagaloop", "former_names": [ "Pagaloop", "Pagaloop (W21)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1f69d980d6dd00c32de1b55392f4b6d7426fe5d.png", "website": "https://www.pagaloop.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Pagaloop helps business owners and persons in Latin America pay, get paid and extend cash flow using credit cards to finance expenses like rent, taxes, payroll and suppliers, via an extended network of relevant partnerships (federal/local governments, AMEX, HSBC, schools and universities, etc.). The Company provides a service in which a payment is made to a third party (that would typically not accept credit card as a payment method) in exchange for a fee of 4.7% (+ taxes). Additionally, Pagaloop offers payments in 3, 6, 9 or 12\r\nmonths with an extremely accessible commission. All of those solutions without taking any underwriting risk, which remains at the issuer of the credit line.", "one_liner": "Pay, Get Paid and Extend Cash Flow using your Credit Card as…", "team_size": 23, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614708450, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "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/pagaloop", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/pagaloop.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/pagaloop/", "x_url": "https://twitter.com/pagaloopmx", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1f69d980d6dd00c32de1b55392f4b6d7426fe5d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 266757, "full_name": "Gerardo Briones", "title": "Founder", "founder_bio": "Founder & CEO of Pagaloop (YC W21). I've been building companies for 15+ years, my past ventures include companies in media, telecom and HR tech. \n\nI like building companies and among my strengths, I can stress my perseverance and determination, I have created three companies related to technology. 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Merchants can accept payments in crypto or in fiat.\r\nPayments made in Crypto can easily convert into fiat due to the built in fast reconciliation and is made available for spending immediately.\r\nCurrently the vast majority merchants receive payments in crypto because of two issues (1) Paypal, Venmo, CashApp or Square to not exist in Africa and (2) the local currency fluctuates more than bitcoin due to inflation. But in order for merchants to receive money in crypto and exchange it into fiat they resort to crypto exchange apps and crypto addresses to receive payments which is a very complicated and expensive process. Merchants want to be paid quickly with the lowest amount of fees possible. 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ZaloPay CEO - mobile wallet); Previously management consultant at McKinsey in Southeast Asia focused on banking.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/%F0%9F%94%AD-dzung-dang-1565425/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77955703ce9b639d0da77bf986b42fb7fb049e86.jpg" }, { "user_id": 656632, "full_name": "Thang Nguyen", "title": "Founder", "founder_bio": "Software engineer & leader which luckily have opportunity to build many exciting products varies from e-commerce & crowd funding, consumer hardware products, enterprise blockchain ... 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He has an MBA from the MIT Sloan school of Management and has worked for McKinsey & Co. and other consulting companies. He's bilingual (in Spanish) and has lived in Mexico, England and the US. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/perezalonso/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b65c873e09e741439ad744fce621b9356a5319b7.jpg" }, { "user_id": 694983, "full_name": "Andrew Mason", "title": "Founder", "founder_bio": "Andrew is the CoFounder and Head of Product for Palla. He previously was the CPO for Lana, a US neobank co-created by BCG. He led product initiatives for BCG corporates and prior to that startups including Intel Capital-backed FlashGrade.\n\nYC Badge: 0x322737040ad9462049f906a2d6c06ff7f8b7a656", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-s-mason/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f552f8a5ecec94d93971e802995a91ba9658632.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23796, "name": "Slope", "slug": "slope", "former_names": [ "AirDesk" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb362ee6e3bfce450e6a8196b555db1534feef1b.png", "website": "http://www.slopepay.com", "all_locations": "San Francisco, CA, USA", "long_description": "Accept and reconcile B2B payments seamlessly.", "one_liner": "The B2B Payments Platform ", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625009192, "tags": [ "Fintech", "Machine Learning", "Payments", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/slope", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/slope.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/slope-tech/", "x_url": "https://twitter.com/slopepay", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb362ee6e3bfce450e6a8196b555db1534feef1b.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": 135035, "full_name": "Lawrence Lin Murata", "title": "Founder", "founder_bio": "Lawrence Lin Murata, co-founder and CEO. Lawrence's family spent 3 decades in wholesale, which inspired us to build Slope. Previously, Lawrence founded Newton Technologies (acq by Nauto), which used AI to analyze smartphone data and help people drive better. Later, he led AI Platforms & Data Science at Nauto, a 200-people autonomous driving company. Lawrence is a Stanford grad, where he led and co-founded CS+Social Good, a tech for impact organization.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lawrencelm", "x_url": "https://twitter.com/LawLM", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4781d65c774c5fe5630c27ecead08f8215673dfb.jpg" }, { "user_id": 417302, "full_name": "Alice Deng", "title": "Founder", "founder_bio": "Co-founder & CPO of Slope. Previously, Alice co-founded Glisten AI (YC W20), providing e-commerce product categorization using CV and NLP. Prior to Glisten, she was a product manager at Dropbox. Alice is a UC Berkeley grad, where she led Blueprint, a tech for impact organization and was named under the Forbes 30 Under 30 list in 2023.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alicedeng/", "x_url": "https://twitter.com/alicevdeng", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3f47ed71ba8d938a54dc0f3c7b6c816cef4d1d3.jpg" } ], "jobs": [ { "id": 111261, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/slope/jobs/O4fxXXJ-senior-backend-engineer", "location": "San Francisco / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $250K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 115247, "title": "Senior Accountant / Accounting Manager", "url": "https://www.ycombinator.com/companies/slope/jobs/K4yJj4A-senior-accountant-accounting-manager", "location": "San Francisco / Remote (US)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$170K - $190K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Slope Announces New Round of Funding from J.P. 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Check out our website: getbaraka.com.\r\n\r\nPlease reach out to give us feedback, discuss product, go-to-market strategy or anything else on founders@getbaraka.com. \r\n\r\nFeras & Kunal\r\n", "one_liner": "Grow Your Wealth With Baraka", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1624461692, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "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/baraka", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/baraka.json", "year_founded": 2020, "city": null, "country": "AE", "linkedin_url": "https://www.linkedin.com/company/68801814", "x_url": "https://twitter.com/getbaraka", "fb_url": "https://www.instagram.com/getbaraka/", "cb_url": "https://www.crunchbase.com/organization/baraka", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/33d4b7cec8f7cb931194833e44baba367918cce0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 722199, "full_name": "Feras Jalbout", "title": "Founder", "founder_bio": "Founder and CEO at baraka. 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We do so by buying loans in small quantities at first and rewarding our customers with more access to capital based on performance. Co-founder & CEO, Vladimir Korshin, previously worked in the traditional venture debt system at Silicon Valley Bank, where he noticed that strong startups were frequently denied from non-dilutive financing because they were too small. Just 4 weeks after going live with our first customer, we purchased $1.3M in loans across 6 customers. The founding team brings 30+ years of startup experience: Vladimir previously worked as an operator at Facebook, Eventbrite, and Niantic; Asa Schachar was an engineer at Microsoft and managed teams of engineers at Optimizely; Molly Hogan led new and international product initiatives at Amazon for over 7 years. 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only", "skills": [] }, { "id": 94378, "title": "Junior Data Analyst - Krakow", "url": "https://www.ycombinator.com/companies/arq/jobs/m45Amrz-junior-data-analyst-krakow", "location": "Krakow / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94379, "title": "Junior Data Analyst - New York", "url": "https://www.ycombinator.com/companies/arq/jobs/fAL7pnu-junior-data-analyst-new-york", "location": "New York / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94380, "title": "Platform Engineer - Krakow ", "url": "https://www.ycombinator.com/companies/arq/jobs/vR0oGMw-platform-engineer-krakow", "location": "Krakow / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94381, "title": "Senior Software Engineer (Platform) - Krakow ", "url": "https://www.ycombinator.com/companies/arq/jobs/WceSP9Q-senior-software-engineer-platform-krakow", "location": "Krakow / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Latin America's Global Bank", "url": "https://www.youtube.com/watch?v=cA6g0iWBQpY", "date": "Jun 25, 2026" }, { "title": "Tras inyección de capital por US$70 millones, DolarApp cambiará su nombre a ARQ", "url": "https://www.larepublica.co/finanzas/tras-inyeccion-de-capital-por-us-70-millones-dolarapp-cambiara-su-nombre-a-arq-4341357", "date": "Apr 03, 2026" }, { "title": "DolarApp se transforma en ARQ y amplía su apuesta en México", "url": "https://www.eleconomista.com.mx/empresas/dolarapp-transforma-arq-amplia-apuesta-mexico-20260303-802469.html", "date": "Mar 03, 2026" }, { "title": "La empresa que levantó US$70 millones y apuesta por competirle a los bancos - LA NACION", "url": "https://www.lanacion.com.ar/economia/IA/la-empresa-que-acaba-de-levantar-us70-millones-y-apuesta-por-competirle-a-los-bancos-nid03032026/", "date": "Mar 03, 2026" }, { "title": "DolarApp levanta US$ 70 millones y cambia de nombre para seguir desafiando a los bancos - Forbes Argentina", "url": "https://www.forbesargentina.com/negocios/dolarapp-levanta-us-70-millones-cambia-nombre-seguir-desafiando-bancos-n87139", "date": "Mar 02, 2026" } ], "launches": [ { "id": 66120, "title": "DolarApp - the global account for people in LatAm", "tagline": "Send, receive and pay in pesos, reais or dollars - all from one account", "body": "Hello all! We are [Zach](https://www.linkedin.com/in/zachgarman/), [Alvaro](https://www.linkedin.com/in/alvaro-correa/) and [Fernando](https://www.linkedin.com/in/fterres/) and we are proud to officially launch [DolarApp](https://www.dolarapp.com/) – the global account for Mexico, Argentina, Colombia, and Brazil. With DolarApp you can\n\n* Dollarize your savings and earn 4% APY\n* Get your own US bank account details (ACH and Routing Number) and get paid without hassle\n* Spend internationally at the best rates, without hidden fees\n\n![uploaded image](/media/?type=post&id=66120&key=user_uploads/730279/e6f7d8b1-3fb0-4984-82a6-49584c992071)\n\n\\\n**Why did we build DolarApp?**\n\nThe three of us have spent a lot of time in Latin America and made great friends there. Friends who, simply because of where they were born, see their financial freedom limited: hyperinflation, bans on saving in USD, nightmares trying to move money in/out of their country and crazy fees when paying with a card when traveling.\n\nAfter spending a couple of years at Revolut, we learned that Fintech as we know it today is constrained by traditional financial systems, partners, and regulatory frameworks. We realized we could end those constraints by offering people in LatAm a better account for their everyday finances built on stablecoins, with focus on simplicity and away from typical crypto jargon and complexity.\n\n**Key benefits of DolarApp**\n\nWith DolarApp, you will be able to:\n\n* 🇺🇸 Get US bank account details without a Social Security Number\n* 📥 Pay and get paid from local bank accounts, receiving / withdrawing USDc immediately\n* 🌎 Spend internationally without hassle, at the best exchange rates\n* 💲 Dollarize your savings\n* 📈 Earn 4% on your balance annually, paid out second by second\n\n![uploaded image](/media/?type=post&id=66120&key=user_uploads/730279/65678393-8d08-4404-9375-bf98561c98ca)\n\n**The ask**\n\n* If you live in Mexico / Brazil / Colombia / Argentina, join DolarApp [here](https://dolarapp.onelink.me/SVAM/fnlwxe4b)\n* If you have employees/family/friends in those countries who could benefit of having DolarApp, share this link with them!", "url": "https://www.ycombinator.com/launches/HCS-dolarapp-the-global-account-for-people-in-latam", "votes": 25, "created_at": "2022-09-16T23:23:15.886Z" } ] }, { "id": 24006, "name": "Karbon Card", "slug": "karbon-card", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/17ef37d6752b041cef8cbde238930aba2834a6a3.png", "website": "https://www.karboncard.com/", "all_locations": "Bengaluru, KA, India", "long_description": "We at Karbon Cards provide corporate credit cards, vendor payment solutions and forex outward remittance products to Indian companies. We partners with banks and other FI's to provide comprehensive spend management and working capital solutions. Companies qualify for credit via a liberalized startup friendly underwriting process.\r\n\r\nFor those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.", "one_liner": "Corporate Card solution for Indian businesses", "team_size": 144, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626796391, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/karbon-card", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/karbon-card.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/karbon-cards/", "x_url": "https://twitter.com/KarbonIndia", "fb_url": "https://www.facebook.com/Karbon-Card-101326554793105", "cb_url": "https://www.crunchbase.com/organization/karbon-card", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/17ef37d6752b041cef8cbde238930aba2834a6a3.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": 729514, "full_name": "Pei-fu Hsieh", "title": "Founder", "founder_bio": "Pei-fu has over ten years of experience in PE/VC with Kleiner Perkins and 01VC. He has also worked at McKinsey and built multiple startups (Zalora, Easy Taxi and Groupon) with Rocket Internet. Prior to founding Karbon he has incubated close to ten fintech companies in Indonesia, India and Brazil.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pei-fu-hsieh-a214b24/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3221334e8f9bcc8351859de21dc92d84afc255f3.jpg" } ], "jobs": [], "news": [ { "title": "Karbon card News: Karbon Card raises Rs 55 crore debt finance from Northern Arc, UCIC and Oxyzo - The Economic Times", "url": "https://economictimes.indiatimes.com/industry/banking/finance/karbon-card-raises-rs-55-crore-debt-finance-from-northern-arc-ucic-and-oxyzo/articleshow/91611603.cms", "date": "Jan 30, 2023" }, { "title": "This fintech firm is making salary payments easier for other start-ups - BusinessToday", "url": "https://www.businesstoday.in/technology/news/story/this-fintech-firm-is-making-salary-payments-easier-for-other-start-ups-328985-2022-04-07", "date": "Apr 07, 2022" }, { "title": "Karbon to increase start up coverage to 70%, onboard 10,000 clients by year end", "url": "https://economictimes.indiatimes.com/tech/startups/karbon-to-increase-start-up-coverage-to-70-to-onboard-10000-clients-by-year-end/articleshow/90149915.cms", "date": "Mar 11, 2022" }, { "title": "Karbon Card Raises $15 Mn; Plans Transition Into Neobank By CY22", "url": "https://inc42.com/buzz/y-combinator-backed-fintech-karbon-card-raises-15-mn-plans-transition-into-neobank-by-cy22/", "date": "Feb 09, 2022" }, { "title": "Corporate Card Startup Karbon Bags $12 Mn In Pre-Series A", "url": "https://inc42.com/buzz/corporate-card-startup-karbon-bags-12-mn-in-pre-series-a/", "date": "Sep 23, 2021" } ], "launches": [] }, { "id": 24026, "name": "Flowbo", "slug": "flowbo-inc", "former_names": [ "Flowbo Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/50a9b08351b63992055d656f9f008b5e7ec36f91.png", "website": "https://www.flowbo.co/", "all_locations": "Los Angeles, CA, USA; Seoul, Seoul, South Korea", "long_description": "Flowbo provides financing to online revenue-generating companies including creators and eCommerce. \r\n\r\nWe package assets into investable products so creators can raise money. 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In the past, Daniel was an investment professional at Softbank Vision Fund focused on fintech investments, and served as a Board Observer of Auto1 Group (ETR: AG1). \n\nFormally, he studied policy and finance at University of Oxford and McGill University. As an immigrant founder from a modest background, Daniel has strong interest is accessibility to capital. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/daniel-s-kang/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/87bbf923215676ad522defc073b897c6f71705a9.jpg" }, { "user_id": 387759, "full_name": "Norman Yu", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/normanyu1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837d3c15e530b9280665db6c87898ae39602b254.jpg" } ], "jobs": [], "news": [ { "title": "Grin CEO on Why Every Company Needs a Salesforce for Creators — The Information", "url": "https://www.theinformation.com/articles/grin-ceo-on-why-every-company-needs-a-salesforce-for-creators?utm_source=ti_app", "date": "Dec 17, 2021" }, { "title": " Flowbo - Fast, frictionless funding for creators’ success | Product Hunt", "url": "https://www.producthunt.com/posts/flowbo", "date": "Jul 08, 2021" } ], "launches": [] }, { "id": 24037, "name": "Levro", "slug": "levro", "former_names": [ "Novo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "website": "https://www.levro.com", "all_locations": "San Francisco, CA, USA", "long_description": "Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking.\r\n\r\nIf you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com", "one_liner": "Multicurrency account & international payments for businesses", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1626366454, "tags": [ "Fintech", "Payments", "Finance", "B2B", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Abeer & Cathy were batchmates from YC W14!" } ], "url": "https://www.ycombinator.com/companies/levro", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/levro.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/levro/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5629, "full_name": "Cathy Han", "title": "Founder", "founder_bio": "Cathy Han is the Co-founder & CEO of Levro, a multicurrency neobank for businesses. Levro provides US accounts that hold up to 34 currencies to help companies pay teams, vendors, and receive revenue from customers internationally.\n\nPrior to Levro, Cathy co-founded 42 Technologies (YC W14), a big data company with retail customers around the globe. Cathy holds a Finance degree from the University of British Columbia & MBA from Harvard Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cathyhan/", "x_url": "https://twitter.com/cathyxhan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce94c45f2ad3be10953efcc9eaa603b08dd0d0ca.jpg" }, { "user_id": 466, "full_name": "Abeer Agrawal", "title": "Founder", "founder_bio": "Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. Abeer holds degrees in Electrical & Computer Engineering and Computational Finance from Carnegie Mellon University. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abeera/", "x_url": "https://twitter.com/abeerag", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b1c11e9cdc5a6d8c029444e601da4dec320e0d60.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24038, "name": "FrontPage", "slug": "frontpage", "former_names": [ "Crowdware Labs Private Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ac95e715a7bf8e21b677a36c6d3cebf4e933ad.png", "website": "https://front.page", "all_locations": "Bengaluru, KA, India", "long_description": "Frontpage is building a community for 100M Indian traders and investors. Millions of new traders and investors are looking to participate in financial markets. FrontPage harnesses power of community where traders and investors can connect with each other, share their ideas, and learn from each other.\r\n\r\n\r\n\r\n\r\n\r\n", "one_liner": "Community for 100M Indian Financial Market Traders & Investors", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1627473725, "tags": [ "Fintech", "Community" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/frontpage", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/frontpage.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ac95e715a7bf8e21b677a36c6d3cebf4e933ad.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 737521, "full_name": "Avijit Sharma", "title": "Founder", "founder_bio": "Founder & CEO. \nActive trader and investor in public financial markets for 10+ years. 15+ years in product management. Deeply interested in psychology, history, philosophy. 2x-Entrepreneur. Mechanical Engg from IIT Delhi.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/avijitsharma/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dc52e39f770b97ef1462004c4efee2b1863dfd77.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24041, "name": "Koshex", "slug": "koshex", "former_names": [ "Koshex (Your Pot of Wealth X Exponential Growth)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5372c43fe16f7453f3807e7fb91ce46ee47099cc.png", "website": "https://www.koshex.com", "all_locations": "Bengaluru, KA, India", "long_description": "Koshex is building Wealthfront for India with data-driven insights around day to day finances for an individual to save more and invest well. We are automating wealth creation for 400 million Indian millennials with access to more than US$700bn of individual investable wealth.", "one_liner": "Automating wealth creation for 400M Indian millennials", "team_size": 21, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1626368708, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/koshex", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/koshex.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/koshexhq/", "x_url": "https://twitter.com/KOSHEXHQ", "fb_url": "https://www.facebook.com/koshexhq/", "cb_url": "https://www.crunchbase.com/organization/koshex", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5372c43fe16f7453f3807e7fb91ce46ee47099cc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 331221, "full_name": "Akash Agrawal", "title": "Founder", "founder_bio": "Ola, Capital Float, Rothschild & UBS Investment Bank", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/akashagrawal1291/", "x_url": "https://twitter.com/aka1291", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/363de62ae2cd8655adf03e55503deff1c593fda3.jpg" }, { "user_id": 340191, "full_name": "Komal Kumar Gupta", "title": "Founder", "founder_bio": "Interest: Mathematics, Binary, Data, Non-Fictions & Philosophy. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/komal-g-9a3198113/", "x_url": "https://twitter.com/ImkomalKGupta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2a259946710e0da85a05b93c45c960b0174490b8.jpg" } ], "jobs": [], "news": [ { "title": "Here How Koshex Is Automating & Personalising Wealth Creation", "url": "https://inc42.com/startups/automating-wealth-creation-via-personalised-investment-baskets-heres-koshexs-story/", "date": "Jun 29, 2022" }, { "title": "Y Combinator leads $2.1m round of Indian fintech firm", "url": "https://www.techinasia.com/exclusive-combinator-leads-21m-indian-fintech-firm", "date": "Apr 18, 2022" } ], "launches": [] }, { "id": 24042, "name": "Akudo", "slug": "akudo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3046538d2939ee60ee1e0209232445c07f2b8eb7.png", "website": "https://www.akudo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Akudo is a digital bank for teenagers in India that gets them their own sleek, personalized prepaid card that they can use independently, helps them save money and gives them exciting rewards under a gamified setup when they're good at their personal finance. \r\nWe are crafting the concept of \"Learning-first Banking\" where financial learning is seamlessly intertwined with full scale banking.", "one_liner": "India's first learning-focused neobank for teenagers", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1629552125, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/akudo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/akudo.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/akudoindia/", "x_url": "", "fb_url": "https://www.instagram.com/akudo_squad/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3046538d2939ee60ee1e0209232445c07f2b8eb7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 710149, "full_name": "Sajal Khanna", "title": "Founder", "founder_bio": "Cofounder of Akudo, a learning-first neobank for teenagers. Previously worked at Capital One in the Auto-finance vertical on credit analytics and data science. Through and through data person at heart.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sajal-khanna-52aa9b126", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/116e5ec716af087e400669a28b17016af4b7f4ee.jpg" }, { "user_id": 581718, "full_name": "Lavika Aggarwal", "title": "Founder", "founder_bio": "Love to build and a firefighter at heart. Have 6 years experience working at Capital One in compliance and risk management ++ co-owner of 2 patents for the same. An IIT Roorkee graduate.\n\nI never say no to discussions over tea :)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/lavika-aggarwal-463a4b132/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7dc274f22406a4867c0f038bbc22ac80a29eea9.jpg" }, { "user_id": 710364, "full_name": "Jagveer Gandhi", "title": "Founder", "founder_bio": "I'm passionate about technology and all the good that it can do for humanity. My interests include software and data, finance, philosophy, and physics.\nWhen I'm not coding or brainstorming product ideas with my co-founders, you can find me exhausting myself at the local Crossfit gym or hiking.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jagveer-gandhi-1344b016/", "x_url": "https://twitter.com/jagveersg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aed4a35b9629f24f7bdca72fe40e9fd2bf4891a2.jpg" } ], "jobs": [], "news": [ { "title": "Making teenagers financially independent: The story of ed-fintech startup Akudo", "url": "https://yourstory.com/herstory/2022/03/making-teenagers-financially-independent-ed-fintech-startup-akudo/amp", "date": "Mar 27, 2022" }, { "title": "Learning Focussed Neobank Akudo Grabs $4.2 Mn In Seed Round", "url": "https://inc42.com/buzz/learning-focussed-neobank-akudo-grabs-4-2-mn-in-seed-round/", "date": "Sep 27, 2021" }, { "title": "Fin-ed-tech startup Akudo raises Pre-Seed from Y Combinator, Incubate Fund India", "url": "https://yourstory.com/2021/08/fin-ed-tech-startup-akudo-raises-pre-seed-round-ycombinator/amp", "date": "Aug 24, 2021" } ], "launches": [] }, { "id": 24143, "name": "InstaKin", "slug": "instakin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adf4f090a820906f30e301a39fb86de71cc10ead.png", "website": "https://instakin.com/", "all_locations": "Houston, TX, USA; Boston, MA, USA; Remote", "long_description": "", "one_liner": "Financial Platform for Migrant Families in America", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624984084, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "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/instakin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/instakin.json", "year_founded": 2020, "city": "Houston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/instakin/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/adf4f090a820906f30e301a39fb86de71cc10ead.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 810484, "full_name": "Yasir Shirazi", "title": "Founder", "founder_bio": "CEO @ InstaKin.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shirazi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e3a9312033f64b407e92e6cae3a6fbfb3b3bc64.jpg" }, { "user_id": 734947, "full_name": "Zain Khan", "title": "Founder", "founder_bio": "Spent first half of my career in the banking/finance industry focusing on implementing payment technologies. In the last 10 years I have worked in 2 startups (not including Instakin) - one related to semi-conductors and the other related to a platform for social media marketing.\n\nI have also worked for Fortune 500 companies (Fiserv and LexisNexis) where I led teams to deliver next generation products related to core banking systems and AI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zainmk", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9603a38948b8eb037ede06941011054a437895d7.jpg" } ], "jobs": [], "news": [ { "title": "Startup connecting overseas Pakistanis to families at home | Arab News", "url": "https://www.arabnews.pk/node/1985111/pakistan", "date": "Dec 11, 2021" }, { "title": "Y-Combinator Backed InstaKin is Driving a new Approach for Migrant Payments | Tech Times", "url": "https://www.techtimes.com/articles/264033/20210811/y-combinator-backed-instakin-is-driving-a-new-approach-for-migrant-payments.htm", "date": "Aug 11, 2021" }, { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/y-combinator-backed-payments-firm-immigrants-launch-services-south-asia", "date": "Aug 05, 2021" }, { "title": "Launch HN: InstaKin (YC S21) - Help immigrants to manage tasks in home countries | Hacker News", "url": "https://news.ycombinator.com/item?id=27958605", "date": "Jul 30, 2021" }, { "title": " Instakin - Marketplace for immigrants to manage tasks back home | Product Hunt", "url": "https://www.producthunt.com/posts/instakin", "date": "Jul 07, 2021" } ], "launches": [] }, { "id": 24149, "name": "Union54", "slug": "union54", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c0dfe6ae2ac625f60016dfdeb272a9158130e0f.png", "website": "https://union54.com", "all_locations": "Lusaka, Lusaka Province, Zambia; Remote", "long_description": "ChitChat by Union54 is an integrated messaging and payments platform designed specifically for Africa's unique needs.\r\n\r\nOur app combines secure instant messaging with USD card capabilities and cross-border payments, making international money movement more accessible and affordable.\r\n\r\nWe're tackling one of Africa's biggest financial challenges: the high cost of sending money across borders, where African senders often pay double the fees despite sending smaller amounts.\r\n\r\nAs a Y Combinator-backed startup, we're building technology that empowers African consumers and businesses to participate more fully in the global digital economy.\r\n\r\nOur mission is to create financial products that genuinely serve customer needs while challenging the status quo of traditional remittance providers.", "one_liner": "Developers of ChitChat, an integrated messaging and payments wallet…", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1628234333, "tags": [ "FinOps", "Fintech", "Consumer", "B2B", "Messaging" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Zambia", "Africa", "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/union54", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/union54.json", "year_founded": 2021, "city": "Lusaka", "country": "ZM", "linkedin_url": "https://www.linkedin.com/company/union54", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c0dfe6ae2ac625f60016dfdeb272a9158130e0f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 155504, "full_name": "Perseus Mlambo", "title": "Founder", "founder_bio": "CEO at Union54, developers of ChitChat. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/perseus", "x_url": "https://twitter.com/perseusmlambo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9dc6c63451ce80c45ae40970c748bf852ee7622f.jpg" }, { "user_id": 186300, "full_name": "Alessandra Martini", "title": "Founder", "founder_bio": "Co-founder & COO at Union54", "is_active": true, "linkedin_url": "https://za.linkedin.com/in/alessandra-martini-5bb15991", "x_url": "https://twitter.com/AleMartiniM", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/764bcdb519d4a77cd424a0a9516352ac68e79777.jpg" } ], "jobs": [], "news": [ { "title": "ChitChat and Mastercard Launch Virtual Debit Cards", "url": "https://newsroom.mastercard.com/news/eemea/en/newsroom/press-releases/en/2024/september/chitchat-and-mastercard-launch-virtual-debit-cards/", "date": "Sep 03, 2024" }, { "title": "Tiger Global-Backed Startup Union54 Joins Africa’s Super App Race - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2023-06-30/tiger-global-backed-startup-union54-joins-africa-s-super-app-race", "date": "Jul 29, 2023" }, { "title": "After chargeback fraud debacle, Union54 CEO says fintech in Africa 'isn't child's play' | TechCrunch", "url": "https://techcrunch.com/2023/03/29/after-chargeback-fraud-debacle-union54-ceo-says-fintech-in-africa-isnt-childs-play/", "date": "Mar 29, 2023" }, { "title": "Union54, is now is now offering virtual debit and credit cards to Zambians", "url": "https://techcabal.com/2022/07/04/union54-offers-virtual-cards-to-zambian/", "date": "Jul 04, 2022" }, { "title": "Zambian card issuing startup Union54 raises $12M led by Tiger Global – TechCrunch", "url": "https://techcrunch.com/2022/04/18/zambian-card-issuing-startup-union54-raises-12m-led-by-tiger-global/", "date": "Apr 18, 2022" } ], "launches": [] }, { "id": 24150, "name": "Hypercore", "slug": "hypercore", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b990f248fafbfb15158a00efa981170b5e2bad41.png", "website": "https://www.hypercore.ai/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Hypercore is a loan management software for small lenders. We help lenders automate workflows and provide them with real-time analytics and KPIs on their portfolios.\r\nSince June we are running paid pilots ($3.5K MRR), 1 LOI ($1.5K MRR). The founding team met while serving together as officers in technological units in the Israeli Defence Forces. We then established together a software development company specialized in fintech projects such as e-wallets and open-banking projects. That’s where we discovered how archaic are the tools lenders use that are ready for disruption.\r\nHypercore is building the tools for private lenders who currently do everything in Excel, culminating in a 'Nasdaq of private loan books' - utilizing the platform to securitize loan books.", "one_liner": "Loan management software for private lenders", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1628254783, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Israel", "Middle East and North Africa", "Remote", "Partly Remote" ], "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": "End to end platform for lenders" }, { "question": "What is your company going to make? Please describe your product and what it does or will do.\n", "answer": "SaaS platform for any lender, streamlining the entire process from loan origination to portfolio & risk management. Our product focuses on 3 added values - performance measurement, credit policy enforcement, and portfolio growth" } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/hypercore", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/hypercore.json", "year_founded": 2020, "city": "Tel Aviv-Yafo", "country": "IL", "linkedin_url": "https://www.linkedin.com/company/hypercore-ai", "x_url": "", "fb_url": "https://www.facebook.com/hypercoreai", "cb_url": "https://crunchbase.com/organization/hypercore", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b990f248fafbfb15158a00efa981170b5e2bad41.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 701261, "full_name": "Daniel Liechtenstein", "title": "Founder", "founder_bio": "I work with a group of amazing partners who build amazing products together. We founded Hypercore with the goal of pushing the non-bank lending market forward.\n\nAlready at the beginning of my career, I learned that the future is in the combination between domains, and the more I meet new people the more I learn. I started as an economist and grew into the technological world and today I see myself as a person looking for interesting opportunities. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-liechtenstein-ba338370/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7ab89278530e99ea6120e8f801f2d71c31b1ce4.jpg" }, { "user_id": 728643, "full_name": "Eitan Frailich", "title": "Founder", "founder_bio": "Started my first steps with technology during my service at IDF technological unit (MAMRAM).\nAfter finishing my service I worked as a freelancer software developer, mostly on web and mobile applications. \nA Year later cofounded Articode LTD - devshop focused on GIS and Financial projects. During that time I was charged with many projects, working with big enterprises, defense industries, startups, etc.\nA Year a ago changed the focus to our fintech startup Hypercore.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eitan-frailich-81b69390/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7cc4c83fcbd515fb5ff25eb4d4fe50742e58c605.jpg" }, { "user_id": 727757, "full_name": "Tomer Moshe", "title": "Founder", "founder_bio": "Completed my BSc in computer science at the age of 18. Co-founder of Hypercore and Articode. Delivered over 20 software products as a freelancer and with Articode. IAF-Ofek Alumni.\nCoding non-stop since 2011 :)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomer-moshe-033a2b69", "x_url": "https://twitter.com/tomosher1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/643ff54d06094ace005c9639e779241c3d7544d0.jpg" }, { "user_id": 725257, "full_name": "David Yahalomi", "title": "Founder", "founder_bio": "Co-founder of Hypercore and Articode. Delivered over 30 software products as a freelancer and with Articode. Worked for the first digital bank in Israel - Pepper - as a team leader. Speaker at various tech conferences mainly about GraphQL. IAF-Ofek Alumni, and Mamram graduate.\nWriting code since 2001 :)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/david-yahalomi-441b3863/", "x_url": "https://twitter.com/DavidYahalomi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aacf5dc541dd5d2d3de4448eed9f9e1554beeb42.jpg" } ], "jobs": [], "news": [ { "title": "Hypercore is now Backed by YC!", "url": "https://www.hypercore.ai/post/hypercore-backed-by-yc", "date": "Aug 09, 2021" } ], "launches": [] }, { "id": 24157, "name": "Nexus", "slug": "nexus", "former_names": [ "Financial Choice" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e76d271d52208f7b3976f708e61bc7a0fee49d49.png", "website": "https://nexushq.com", "all_locations": "San Francisco, CA, USA; Mountain View, CA, USA; Remote", "long_description": "Nexus offers a unified checking and investment account. Your full balance is invested to get market returns, all while retaining instant access to cash even when the markets are closed. We are two ex-Googlers with CS PhDs from Stanford and the University of Washington who have worked together for 7 years.", "one_liner": "Nexus offers a unified checking and investment account.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1626285537, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "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/nexus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/nexus.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/nexus-site/", "x_url": "https://twitter.com/nexus_site", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e76d271d52208f7b3976f708e61bc7a0fee49d49.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 740728, "full_name": "Stefan Heule", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/stefan-heule-b46ab991/", "x_url": "https://twitter.com/stefan_heule", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ae973df889f82d2e0127032a084964123ea1191.jpg" }, { "user_id": 117288, "full_name": "Chen-Chen Huo", "title": "Founder", "founder_bio": "Currently connecting founders with the #1 customer service AI agent. Founder of MAC'D (S18) and co-founder of Nexus (S21). Hospitality veteran, part-time bar owner, semi-serious content creator (180k across TikTok, Reels, YT).", "is_active": false, "linkedin_url": "http://www.linkedin.com/in/chenchenhuo", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8822700b6250d102c65a0083f31d94ba336bcc6d.jpg" }, { "user_id": 182170, "full_name": "Konstantin Weitz", "title": "Founder", "founder_bio": "Konstantin is a co-founder of Nexus, which provides a checking account alternative that lets customers invest their balance. Before founding Nexus, Konstantin worked at Google, and earned his PhD in CS from the University of Washington.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/konstantin-weitz-75979443/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73615000135ae493743556fc8a75c950acbaa502.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24158, "name": "Forage", "slug": "forage-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23991b3eac1d06368b01c2f9ce5b893ba315f039.png", "website": "http://www.joinforage.com", "all_locations": "San Francisco, CA, USA", "long_description": "Forage is a mission-driven payments company that helps businesses accept government benefits through a single, unified API. Today, over 42 million Americans receive government assistance (ex: Supplemental Nutrition Assistance Program, or SNAP) to buy groceries. Starting with enabling EBT SNAP online, Forage builds the financial infrastructure empowering businesses to serve these shoppers online.", "one_liner": "Payments powering people", "team_size": 66, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624983119, "tags": [ "Fintech", "GovTech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "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": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Forage addresses the complexity merchants and retailers face in accepting EBT payments online and in-store. This issue trickles down to the over 42 million Americans who rely on SNAP benefits for groceries. By providing a unified API, Forage simplifies the process for merchants, expanding access to groceries and ultimately feeding this underserved population." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Forage envisions a world where equal access to groceries is table stakes, regardless of one's socioeconomic status. 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Toronto, Ontario, CA)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$80K - $120K CAD", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [] }, { "id": 24248, "name": "Monto", "slug": "monto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bcda4e271f62bbf00e0a61745ccf05e0607091c2.png", "website": "https://www.monto.mx/", "all_locations": "Monterrey, N.L., Mexico; Remote", "long_description": "Through our platform employees of our affiliated companies can access their earned wages on-demand for a low fixed fee. ", "one_liner": "Salary on-demand platform for Latin America", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1626359083, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "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/monto", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/monto.json", "year_founded": 2020, "city": "Monterrey", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/monto-cajero-inteligente", "x_url": "", "fb_url": "https://www.facebook.com/monto.mx/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bcda4e271f62bbf00e0a61745ccf05e0607091c2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 477053, "full_name": "Andres Quintanilla", "title": "Founder", "founder_bio": "Fintech Entrepreneur | ex-Goldman Sachs ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andres-quintanilla-440897125/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a87a12767cefa16a427632f24a8970c18ccc5754.jpg" }, { "user_id": 746631, "full_name": "Karina Derbez", "title": "Founder", "founder_bio": "Ex-Microsoft Software Engineer", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karinaderbez", "x_url": "https://twitter.com/karinaderbez", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d1ac617e1487501456b15aef6b6e5c406be72452.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24251, "name": "Pideaky", "slug": "pideaky", "former_names": [ "ORCA Wireless S.A.P.I" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea6a449b48ce7b708258491acd97425dd01da55b.png", "website": "https://pideaky.com/en/", "all_locations": "Monterrey, N.L., Mexico", "long_description": "Pideaky helps offline LatAm SMBs manage and accelerate their cash flow through AI collection agents, which remind, collect, and negotiate bills on behalf of SMBS in Latam.\r\nWe focus on the massively underserved $70B/year customer segment as our wedge — Mexican corner shops and corner shop providers:", "one_liner": "We help offline LatAm SMBs manage and accelerate their cash-flow ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624598152, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "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/pideaky", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/pideaky.json", "year_founded": 2021, "city": "Monterrey", "country": "MX", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea6a449b48ce7b708258491acd97425dd01da55b.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": 708848, "full_name": "Carlos Tejeda", "title": "Founder", "founder_bio": "- CEO and co-founder of Pideaky, we help LatAm SMBs manage and accelerate cash flow. \n- CEO and founder Of Orca Wireless, we developed a wireless internet network and served more than 250K customers in Northern Mexico.(exited) \n- Founder and CEO at RC ( Payphone factory, 1996-2007), we produced and exported Payphone to Mexico and Latam. Our main end customers were small corner shops.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carlos-tejeda-b8096a2a/", "x_url": "https://twitter.com/carlostejeda", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32a2409dcfc22fd303a9cbf46aba1fc463ac8046.jpg" }, { "user_id": 739526, "full_name": "Oscar Rydberg", "title": "Founder", "founder_bio": "CTO at Pideaky\nCoding since age 7. Demos, Games 2d & 3d, VR (Quest Unity & UE), Raytracers, ERP&ERMs, Android Apps, Financial Transactions systems, Card Payments.\n\nWrote the whole GRC intranet system\nWrote the whole ORCA top-up & wireless access system\nDesgined mobile payphone with full tcp/ip stack\nDesigned hardware and did all firmware for ORCA 2.4/5G WiFi accesspoints\n\nAssembler (Ex MC68x, X86), C/C++, Perl, PHP, SQL, Pascal, MSVB, Java, JS, HTML/CSS...\nLinux, OpenWRT, Apache, MySQL, AmigaOS\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oscar-rydberg-ba170b15", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/22dceb4c98a0277e70a2e5bd00aba1f40fbb4554.jpg" }, { "user_id": 737171, "full_name": "Rafael Tejeda Elizondo", "title": "Founder", "founder_bio": "Rafael Tejeda Elizondo: Founder \"Pideaky\" (YCS21) \nRafael Graduate from Instituto Tecnológico y de Estudios Superiores de Monterrey, Bs Law (1992) and MS in Technology Commercialization, University of Texas , Austin Red-McCombs Business School & CIMAV (2010)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rafael-tejeda-elizondo-3853b5211/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8c2ab1962d2050c3eefc8d3f8e390b16a8c6b74.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 81125, "title": "Pideaky - Inventory-based lending", "tagline": "We help offline LatAm SMBs manage and accelerate their cash flow.", "body": "**TL;DR:** We help offline LatAm SMBs manage and accelerate their cash flow through inventory-based financing and payments/collection/reconciliation solutions.\n\n### 📜 The story\n\nWe have been working with LatAm SMBs for more than 20 years and previously built two great (non-startup) companies:\n\nAt payphone manufacturer ([R&C Telecomunicaciones](https://enlacee.org/rc-telecomunicaciones-2-2/)), we sold more than100k payphones to corner shops across Latin America (Chile, Perú Argentina, Central America, and México) as well as to major carriers such as Movistar, Bellsouth, Telcel, and Telmex.\n\nI remember the day my daughter received a message from her boyfriend, bypassing me! At that time, we all mainly used landline phones to communicate. This is when I realized that young people started connecting through the Internet, and I started thinking about how I should use this trend—to provide Internet access to people using the corner shop network.\n\nSo, we built the internet network (ORCA Wireless) from scratch and provided service to 250k neighbors of corner shops.\n\n### 🥅 What Pideaky is\n\nAt Pideaky, we help offline LatAm SMBs manage and accelerate their cash flow through inventory-based financing and payments/collection/reconciliation solutions.\n\nIn 2021, we started by providing point-of-sale solutions to corner shops in Mexico.\n\n**Our Customers:**\n\nCorner shops that sell groceries and lack financial records, as well as their suppliers.\n\n**The Problem:** Over time, we discovered that access to capital was the biggest challenge for these corner shops.\n\n**The Solution:** Inventory-based lending powered by our proprietary AI\n\n**Market Size:** Businesses like these account for almost $70B/year in gross merchandise value.\n\n**Tech stack:** We build and train an AI tool that Translates photos and videos into credit scores and risk models using AI and computer vision (with 90% accuracy today). We also developed the best-in-class automated collection and reconciliation tools to collect our loans.\n\n**New Opportunity:** These tools are helping us to acquire Corner shop suppliers as customers; **we help them manage and collect their invoices in minutes, not days,** and they allow us to increase the network of Corner shops.\n\n**Our Impact:** More than 14,000 loans were disbursed, and more than 6K corner shops served.\n\n**Our Backers:**\n\nWe’re backed by Silicon Valley VCs (Wayfinder, Goodwater) and are actively hiring and expanding across Mexico/LatAm. Let us know if you'd like to connect—I’m open for coffee chats.\n\nCheck us out at [**Pideaky.com**](http://Pideaky.com) or chat with me by emailing [carlos@pideaky.com](mailto:carlos@pideaky.com)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/354deb6b-e6fa-44ae-83b7-6cb71e04ab6c)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/7f088fbd-dd1a-42de-98ef-70288c35309f)\n\n![](https://lh7-us.googleusercontent.com/5avKhuwIGN-5fnASCVf7QY6eygtVzYEfRh-rI4i_QV6GVZh73jX1l-qR67gQYrP2ZLb8VJ5nM1pT1ORBxzvfvBwFy755cemr7X5Yw--u0n-87DY4n5pNalqNGqIQzUKy-cX34iLk5yUrLKvqvvclViHBPg=s2048)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/0ba2851a-b3d0-4d83-adb9-473eacd1e381)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/1a305dba-645b-46c2-8527-fb994f65977d)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/fc3b2958-0a30-4f91-a9c4-40ca7651c5ec)\n\n", "url": "https://www.ycombinator.com/launches/L6T-pideaky-inventory-based-lending", "votes": 128, "created_at": "2024-05-28T14:07:12.116Z" } ] }, { "id": 24257, "name": "Covie", "slug": "covie", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cab875f3e2be4c71042986d743255262bdafeda3.png", "website": "https://www.covie.com", "all_locations": "Austin, TX, USA", "long_description": "Interacting with insurance across a variety of carriers should be undifferentiated heavy lifting - a piece of infrastructure like Stripe, Twilio, or AWS that \"just works\"in the background while your business focuses on what makes it different. We provide programmatic building blocks to make this a reality, putting a carrier-neutral API and tooling on top of insurance, starting with policy access (think Plaid, but for your insurance company) and monitoring.\r\n\r\nOur technology has a variety of use cases that range from insurance verification and tracking, financial advising, compliance & risk management, and marketing/distribution of insurance products.", "one_liner": "Programmatic building blocks for transacting with insurance", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1624498844, "tags": [ "Fintech", "Health Tech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "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/covie", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/covie.json", "year_founded": 2020, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/covie-io", "x_url": "https://twitter.com/usecovie", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/covie-systems", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cab875f3e2be4c71042986d743255262bdafeda3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 233642, "full_name": "Trent Harvey", "title": "Founder", "founder_bio": "Motivated and forward thinking, I love to take on challenging problems and find innovative solutions to overcome them. I aim to inspire and lead others and hope that through my work I can move people, businesses and industries forward.\n\nMy background includes a mixture of IT support, software engineering, and product development. I began with open-source software initiatives at a very young age and developed a passion for creating. I would later turn that passion of creating into a career.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/trentharvey/", "x_url": "https://www.twitter.com/thetrentharvey", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/692d786e62be876f44cadbb403e5ad6e48a46e6c.jpg" }, { "user_id": 802041, "full_name": "Ian Littman", "title": "Founder", "founder_bio": "I like building reliable, scalable, maintainable systems, usually by writing code. Historically that's been for a variety of freelance clients, and I'm back to doing that now after a stint at Covie (S21). When I'm not building, I'm probably researching telecom or the airline industry, or maybe biking to a coffee shop to do those things.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ian-littman", "x_url": "https://twitter.com/iansltx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b7b61e31d13c8891ef57d5a87f207e511024d584.jpg" }, { "user_id": 731335, "full_name": "William Dearie", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/william-dearie-202403209/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3ea0174116d9ced75cc362cc56b2b00de830bfb4.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24266, "name": "Ivella", "slug": "ivella", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/900b1772e9f94bc70841de05a846c5f6285066e1.png", "website": "https://www.ivella.com/", "all_locations": "Los Angeles, CA, USA; Santa Monica, CA, USA", "long_description": "Ivella builds banking and savings products that are designed for couples, no matter where they are in their relationship. Whether you've been dating for months are signing up for the The Split Account or have been married for decades and are signing up for The Joint Account and Savings Pods, we've got a product for you.", "one_liner": "Banking and savings products designed for couples", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624052615, "tags": [ "Banking as a Service", "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "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/ivella", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/ivella.json", "year_founded": 2021, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ivella", "x_url": "https://twitter.com/getivella", "fb_url": "https://www.facebook.com/getivella", "cb_url": "https://www.crunchbase.com/organization/ivella", "github_url": "https://github.com/ivella", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/900b1772e9f94bc70841de05a846c5f6285066e1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 335491, "full_name": "Kahlil Lalji", "title": "Founder", "founder_bio": "CEO of Natural.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/bykahlil/", "x_url": "https://twitter.com/bykahlil", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8a2a6536209afbdcb8b34e63a2818ca5886923f.jpg" }, { "user_id": 430850, "full_name": "Vishal Dubey", "title": "Founder", "founder_bio": "Building vibecode.dev. Previously, product engineering at EarnIn. Built joint banking products at Ivella. Studied computer science at Duke. Reach out to me: vdubey01@gmail.com", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/vishaldubey01/", "x_url": "https://twitter.com/vishal_dubey1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0daa2590a7ca85a95f2dfc886abc5636e2576a9.jpg" }, { "user_id": 740856, "full_name": "Eric Wang", "title": "Founder", "founder_bio": "Building payments infrastructure for AI agents at Natural (natural.co)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ericww2/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e4022f900a52a70a6bfa54d41bb228ad3bc2930.jpg" } ], "jobs": [], "news": [ { "title": "Ivella is the latest fintech focused on couples banking, with a twist – TechCrunch", "url": "https://techcrunch.com/2022/06/06/ivella-is-the-latest-fintech-focused-on-couples-banking-with-a-twist/", "date": "Jun 06, 2022" } ], "launches": [] }, { "id": 24269, "name": "Monet", "slug": "monet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9022bb07e07eed25b12e81e3b1bc070e64b2e31b.png", "website": "https://monet.com.co/", "all_locations": "Miami, FL, USA; Remote", "long_description": "Monet provides Instant cash-advances to employees in Latin America. We are a mobile app available to any employee with a recurring income and a bank account. \r\n", "one_liner": "Payroll-backed loans and cash advances in Latam", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1624636365, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "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/monet", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/monet.json", "year_founded": 2020, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/monet-app-col", "x_url": "", "fb_url": "https://www.facebook.com/monetappcol", "cb_url": "https://www.crunchbase.com/organization/monet-7d8e", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9022bb07e07eed25b12e81e3b1bc070e64b2e31b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 738007, "full_name": "Leonardo Devincenzi", "title": "Founder", "founder_bio": "Co-CEO & Co-Founder of Monet. A serial-entrepreneur focused in Latin American startups. Leo brings over twenty years of business development and strategic advisory experience. He has spent the last 10 years dedicated to the Latam market as an investor and founder. He leads the structuring and development of the Monet Strategy in Latam.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/leonardo-devincenzi-5a57a8209/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/355dfdea61a43bceeb8d4e4b3c9bb9b261d5a34f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24329, "name": "inai", "slug": "inai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/da59c4349b82e705e29606d58cbb24dfe644ab79.png", "website": "https://www.inai.io", "all_locations": "London, England, United Kingdom; Delaware City, DE, USA; Remote", "long_description": "inai provides a single integration for global payments to help companies take digital payments across the globe. \r\n\r\nIts a single integration for a merchant that will provide connections to all payment gateways ( Stripe/ Adyen/ Braintree), wallets ( Paypal, Apple Pay, Google Pay) , BNPL providers ( Klarna / affirm / afterpay), fraud ( Sift , riskified etc). \r\n\r\nMerchants will have a no-code dashboard to customize the checkout by region ( Show Apple pay and stripe in US along with USD pricing but show Klarna, Google Pay and Sofort in Germany with pricing in Eur for e.g)\r\n\r\nMerchants can also easily switch between providers and your data stays with you on Inai rather than with PSP like stripe making switch to Adyen or Braintree easy.", "one_liner": "Segment for global payments", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626638856, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "United States of America", "Europe", "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/inai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/inai.json", "year_founded": 2021, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/inai-co/?viewAsMember=true", "x_url": "https://twitter.com/inaitech", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/inai", "github_url": "https://github.com/inaitech", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/da59c4349b82e705e29606d58cbb24dfe644ab79.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 739046, "full_name": "Anta Pattabiraman", "title": "Founder", "founder_bio": "Ex-banker turned serial entrepreneur\nSold my first startup Auro ( Connected fitness ) to start my new venture Inai\nAt Inai , we are building segment for payments- single integration for all your payment needs ( Gateways, wallets, BNPLs, open banking, crypto, fraud, tax , loyalty and more)\nLove tech and sport\nLive in the Uk with wife and son", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anantharaman-pattabiraman-87532a4/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e0af433ec7a05eac0e243b71b068513cd8c0e3bd.jpg" } ], "jobs": [], "news": [ { "title": "How Inai is enabling Indian merchants collect cross-border payments", "url": "https://yourstory.com/2022/08/inai-enables-indian-merchants-collect-border-payments/amp", "date": "Aug 02, 2022" }, { "title": "Fintech startup inai lets businesses set up a global payment stack in minutes", "url": "https://yourstory.com/2022/06/fintech-startup-inai-businesses-no-code-global-payment-stack/amp", "date": "Jun 22, 2022" }, { "title": "YC-backed fintech startup inai raises $4M from Paua Ventures, 9Unicorns, others", "url": "https://yourstory.com/2021/09/fintech-saas-startup-inai-funding-9unicorns-paua-ventures/amp", "date": "Sep 20, 2021" } ], "launches": [] }, { "id": 24343, "name": "Apollo", "slug": "apollo-2", "former_names": [ "Five" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e07c36d3a9cd114a6e105e8b128004ab25b67d2f.png", "website": "https://www.withapollo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Apollo is a debit card that rewards you with stock. Every swipe earns guaranteed fractional shares plus a chance to win big with a full share of your favorite stocks. ", "one_liner": "The card that rewards you with stock ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1628225985, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "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/apollo-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/apollo-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/71725320", "x_url": "https://twitter.com/ApolloCard", "fb_url": "https://www.facebook.com/Apollo-Card-100637432352431", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e07c36d3a9cd114a6e105e8b128004ab25b67d2f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 119314, "full_name": "Skyler Aspegren", "title": "Founder", "founder_bio": "Founder @ Deco Base", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/skyler-aspegren/", "x_url": "https://mobile.twitter.com/skyleraspegren", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8f8fb57d1a1515db08f3fa5ec9a42af49d272ed2.jpg" }, { "user_id": 448972, "full_name": "Josh Wright", "title": "Founder", "founder_bio": "Startups / Fintech / iOS Apps / Swift\n\nex Lyft & various startups\n\nMaking debit cards fun at https://withapollo.com", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/joshlwright/", "x_url": "https://twitter.com/joshuawright11", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a1bf5e75670a726291f8377a96f4e847081a5714.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24347, "name": "Truss", "slug": "truss", "former_names": [ "MazumaGo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d3f982deac62cf40f505362f3a6405c4b5190460.png", "website": "https://trusspayments.com", "all_locations": "San Francisco, CA, USA", "long_description": "Truss is an all-in-one banking and payment automation platform for construction businesses. With Truss, construction companies can manage bill payments, receivables, and corporate cards in one place. They can save time on manual data entry by integrating Truss with their existing tools and automating the full billing cycle, from invoicing and reconciliation.", "one_liner": "Truss is a banking and payments network for blue-collar trades.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1627059715, "tags": [ "Fintech", "Payments", "Construction" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/truss", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/truss.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trusspayments", "x_url": "https://twitter.com/truss_payments", "fb_url": "https://facebook.com/trusspayments", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d3f982deac62cf40f505362f3a6405c4b5190460.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": 269042, "full_name": "matthew smith", "title": "Founder/CEO", "founder_bio": "Love building cool software.\n- ReactJS\n- Design/UX\n- Banking Infrastructure\n- Banking tech\n- Payments\n- MSB Compliance (Canada)\n- Pitching\n- Team motivation\n- Rock climbing\n- Fun\n- Fun\n- Fun", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthew-smith250/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/14f76fd7ab110fae31b0234a775d52896e5ef3a1.jpg" } ], "jobs": [ { "id": 110898, "title": "Senior Risk Analyst", "url": "https://www.ycombinator.com/companies/truss/jobs/sYL9Qgg-senior-risk-analyst", "location": "Austin, TX, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $140K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 115778, "title": "Junior Compliance Analyst", "url": "https://www.ycombinator.com/companies/truss/jobs/jgKiRY1-junior-compliance-analyst", "location": "Austin, TX, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $85K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 24349, "name": "Arrow", "slug": "arrow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b961a8c07c7968b9cb9e1c4af18ee0b3b43ac35.png", "website": "https://www.arrowcheckout.com/", "all_locations": "Singapore, Singapore", "long_description": "Arrow makes it easier and faster for sellers and shoppers to safely sell and buy online in Southeast Asia. It is first in Southeast Asia to provide brands a better, more profitable checkout experience for their shoppers. Arrow was created to partner with merchants to build consistent and seamless hyperlocal checkout experiences wherever their shoppers come across their brands. \r\n\r\nShoppers checkout securely with their preferred payment methods. They no longer have to set up new passwords, face multiple redirects or set up a new account every time they shop. Built specifically for Southeast Asia, Arrow works anywhere that shoppers prefer to shop from. Southeast Asian shoppers love the simple and hassle-free solution since almost everyone in this region shops on their mobile devices.\r\n\r\nWith Arrow, merchants sell more of what they are selling; and shoppers conveniently and easily checkout wherever they shop. 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We’re also the makers of MoneyGPT, the money assistant that’s got your back.\r\n\r\nYoung people today are stepping into a financial world built for someone else’s life.\r\n\r\nWe give young adults the confidence and control to take charge of their financial journey with simple tools, smart guidance, and a system that works for the path you choose.\r\n\r\nLet’s build your future together. Get started at usemine.com\r\n\r\nBacked by Kleiner Perkins, SV Angel, Liquid 2 Ventures, and the founders of Handshake, Postmates, Public.com, Motive and many more.", "one_liner": "The AI personal finance company. ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1628179251, "tags": [ "Fintech", "Consumer", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "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/mine", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/mine.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/minefinancial/", "x_url": "https://x.com/mine_financial", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d7a0d14910b74597e1e70723a08a579e8dafe145.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 562102, "full_name": "Moritz Pail", "title": "Founder", "founder_bio": "Stats + CS at Harvard", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/moritz-pail/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d2d825ff84448565434d9fc787e1e44d69f7adbc.jpg" }, { "user_id": 734263, "full_name": "Moritz Stephan", "title": "Founder", "founder_bio": "Formerly Fizz (S21)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/moritz-stephan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bf27835d98d9de2408b48c2c00a229453b3c5eee.jpg" } ], "jobs": [], "news": [ { "title": "Why two Gen Z college dropouts are combatting financial nihilism with a credit card startup", "url": "https://fortune.com/2026/01/26/mine-credit-card-startup-gen-z-kleiner-perkins-359-capital/", "date": "Jan 25, 2026" }, { "title": "Fizz Founder - AI is the clear answer to America's financial literacy crisis | American Banker", "url": "https://www.americanbanker.com/opinion/ai-is-the-clear-answer-to-americas-financial-literacy-crisis", "date": "Jul 25, 2025" }, { "title": "Fizz Unveils the Next Evolution of Personal Finance for Students - FF News | Fintech Finance", "url": "https://ffnews.com/newsarticle/fintech/fizz-unveils-the-next-evolution-of-personal-finance-for-students/", "date": "Oct 03, 2024" }, { "title": "How a payments startup eases college students into credit | PaymentsSource | American Banker", "url": "https://www.americanbanker.com/payments/news/how-a-payments-startup-eases-college-students-into-credit", "date": "Jul 12, 2024" }, { "title": "Kleiner Perkins leads $14.4M seed round into Fizz, a credit-building debit card aimed at Gen Z college students | TechCrunch", "url": "https://techcrunch.com/2024/06/06/kleiner-perkins-leads-14-4m-seed-round-into-fizz-a-credit-building-debit-card-aimed-at-gen-z-college-students/", "date": "Jun 06, 2024" } ], "launches": [] }, { "id": 24479, "name": "Payhippo", "slug": "payhippo", "former_names": [ "PayHippo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "website": "https://payhippo.africa/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria; Remote", "long_description": "Payhippo provides loans to small businesses in Africa in under 3 hours.\r\n\r\nWe made $42k in revenue in Nigeria in July 2021, growing 25% m/m with a 97% repayment rate.", "one_liner": "Loans to Nigeria's SMEs in under 3 hours", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1627914233, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "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/payhippo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/payhippo.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/payhippo", "x_url": "https://www.twitter.com/zachbijesse", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/payhippo", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 486278, "full_name": "Zach Bijesse", "title": "Founder", "founder_bio": "Hi everyone! I'm Zach. My favorite thing in the world is music (been playing guitar for 15 years).\nI used to be a certified weight loss specialist to pay the bills in undergrad. Started a mobile health app at the end of undergrad. \n\nBut I also did a lot of activism. I'm most proud of creating this campaign: https://www.nytimes.com/2014/01/28/opinion/bruni-emilios-great-race.html\n\nThen started teaching in Manhattan to learn about impact in education.\n\nDown to talk with fellow founders!", "is_active": true, "linkedin_url": "https://linkedin.com/in/zbijesse", "x_url": "https://twitter.com/ZachBijesse", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b815b864468c9e94aaee0a9826f0306421e4a7eb.jpg" }, { "user_id": 491728, "full_name": "Chioma Okotcha", "title": "Founder", "founder_bio": "Whether I'm building a company, analysing policies or leading a flag-football team in a league, I'm driven to make a difference/learn something. This could be profit, impact or winning the league championship. \n\nHappy to chat and connect.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chiomaokotcha/", "x_url": "https://www.twitter.com/chiomaokotcha", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a3c959abbabdf230f7db9f354dfb4c1345047b46.jpg" } ], "jobs": [], "news": [ { "title": "Nigeria’s lender Payhippo raises $3 million in seed funding to extend quick loans to SMEs – TechCrunch", "url": "https://techcrunch.com/2021/11/03/nigerias-lender-payhippo-raises-3-million-in-seed-funding-to-extend-quick-loans-to-smes/", "date": "Nov 03, 2021" }, { "title": "How PayHippo is democratising funding for Nigeria’s small businesses - AfriTech XYZ", "url": "https://www.afritech.xyz/blog/how-payhippo-is-democratising-funding-for-nigerias-small-businesses", "date": "Aug 18, 2021" }, { "title": "Exclusive: Nigerian lending startup Payhippo joins Y Combinator Summer 2021 accelerator cohort | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/exclusive-nigerian-lending-startup-payhippo-joins-y-combinator-summer-2021/nc8wlrz?utm_source=social&utm_medium=linkedin", "date": "Aug 02, 2021" }, { "title": "Nigerian Fintech, Payhippo Raises $1m Pre-seed For Team Growth And Expanded Reach • Techpoint Africa", "url": "https://techpoint.africa/2021/07/02/payhippo-1m-pre-seed/", "date": "Jul 01, 2021" } ], "launches": [] }, { "id": 24485, "name": "Cumbuca", "slug": "cumbuca", "former_names": [ "Comadre" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/77e60a49b6259a7c45a281590f221925fc32c563.png", "website": "https://www.cumbuca.com", "all_locations": "São Paulo, SP, Brazil", "long_description": "Cumbuca is an infratech bank for developers to build financial products with direct Central Bank connectivity. Instead of working around unreliable middleware, you get bare-metal access to Pix, payment initiation, and data APIs under our license, so you ship products faster and we handle the compliance. There's no vendor lock-in, and your service will never be disrupted by us. \r\n", "one_liner": "Bare-metal access to Brazil's Open Finance and Pix systems", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630087087, "tags": [ "Fintech", "B2B", "API", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "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/cumbuca", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/cumbuca.json", "year_founded": 2021, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/appcumbuca", "x_url": "https://twitter.com/appcumbuca", "fb_url": "https://www.facebook.com/appcumbuca", "cb_url": "https://www.crunchbase.com/organization/comadre", "github_url": "https://github.com/appcumbuca", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/77e60a49b6259a7c45a281590f221925fc32c563.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 358823, "full_name": "Daniel Ruhman", "title": "Founder", "founder_bio": "Self taught developer, released first iPhone app when 14y - currently 23y. Dropped out of Computer Engineering degree in Brazil after brief time doing Cog Sci @ UC Berkeley to become an entrepreneur focused on improving the lives of Brazil's lower income population, and have been working with low income households and gig economy workers for the past 2.5 years.\nI’m a huge enthusiast on all things human behavior, gig economy, fintech, and above all in ways to unlock LATAM full potential.", "is_active": true, "linkedin_url": "http://linkedin.com/in/daniel-ruhman-0b739353", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fcc3abc1228d6b693f4a49ff8febab0358a86f11.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95950, "title": "Cumbuca: The first proxy for the Brazilian regulated ecosystem", "tagline": "Develop your own payments infra in Brazil using our license.", "body": "Hey YC! 👋\n\nWe're Daniel, Bruno, and Pedro — founders of Cumbuca. We’re the first proxy for Brazil’s regulated ecosystem. After years of building fintechs in Brazil, we saw how painful it is to obtain a license or depend on PSPs and BaaS providers. Our previous B2C operation scaled to over a million accounts, and we suffered since a lot of our core product relied on partner infra, and it hurt us to not be able to solve the issues affecting our customers. We’ve been deeply involved with Open Finance since its earliest days — we were one of the first players in the ecosystem and became the **fourth ITP/PISP license ever issued in Brazil**, and after closing our B2C operation decided to pivot to B2B and build the financial infrastructure partner we always wished existed for ourselves.\n\nhttps://www.youtube.com/watch?v=F4_E2LYNBCQ\n\n## TL;DR\n\n**Cumbuca is the first regulatory proxy for Brazil's Open Finance and Pix ecosystem.** We give fintechs the same development freedom they'd have with their own license — direct API access, full operational control, custom infrastructure — while we handle compliance. No more choosing between years of licensing delays or surrendering control to third-party providers.\n\n**Ask:** Are you a global fintech looking to enter Brazil, or a payments company scaling beyond your current provider? Let's talk → [daniel@cumbuca.com](mailto:daniel@cumbuca.com)\n\n![uploaded image](/media/?type=post&id=95950&key=user_uploads/358823/0a8e01c7-dfb2-4489-aafa-c3e8f00a12bb)\n\n## ❌ The Problem\n\nBrazil is one of the most exciting fintech markets in the world — a forward-thinking Central Bank, Pix (the world's most successful instant payments system), and a mature Open Finance framework. Global fintechs want in.\n\nBut the path to market is brutal:\n\n**Option 1: Get your own license**\n\n* 12-24 months waiting for approval\n* Millions in regulatory capital\n* Constant compliance obligations\n* Need local expertise to navigate BACEN's evolving regulations\n\n**Option 2: Use a BaaS/OFaaS provider**\n\n* Fast time-to-market, but...\n* You're locked into their APIs and abstractions\n* Their maintenance windows = your downtime\n* Their support tickets = your customers waiting\n* Their roadmap = your product limitations\n* They use YOUR operational data for their own credit models\n\nFor companies serious about Brazil, neither option works. You either wait years or give up control of your destiny.\n\n---\n\n## 🛠 Our Solution: A Regulatory Proxy\n\nWe built something new: **a proxy that sits between your infrastructure and Brazil's regulated ecosystem.**\n\nHere's how it works:\n\n1. **You build your own infrastructure** using the exact same APIs that licensed institutions use\n2. **You send requests to our proxy**, which signs and forwards them under our license\n3. **You receive 1:1 responses** from the Central Bank ecosystem — no abstractions, no transformations\n\n**The key insight:** Instead of building \"Cumbuca APIs\" (which would impose our abstractions), we built a minimal regulatory layer. You develop against the official Open Finance and Pix specifications. When you're ready for your own license, you just swap our certificates for yours.\n\n**What you get:**\n\n* ⚡ **Immediate access** — start building today, not in 2 years\n* 🔧 **Full development freedom** — same API surface as licensed players\n* 🏗️ **Own your infrastructure** — build it yourself or use partner modules\n* 📊 **Own your data** — we don't use it for anything commercial\n* 🛡️ **Resolve issues directly** — no middlemen when problems arise\n* 🔄 **Future-proof** — migrate to your own license with minimal effort\n\n---\n\n## 👨‍💻 The Team\n\nWe didn't build Cumbuca from a whiteboard — we built it from scars.\n\n**Daniel Ruhman (CEO)** — Started coding as a kid after watching \"The Social Network.\" Dropped out of Computer Engineering to study at UC Berkeley. Built and pivoted through multiple startups: a gig economy platform, a Pix-native neobank for underserved Brazilians (Comadre), and a group expense app that grew to over 1 million accounts (Cumbuca B2C). Applied to YC 8 times before getting in.\n\n**Bruno Cury & Pedro Castilho (Co-founders)** — Together with Daniel, they became among the youngest statutory directors in Brazil's financial sector when they secured their first license in 2022. They've lived every pain point of building on Brazilian financial infrastructure.\n\nWe've assembled a dream team of Open Finance veterans:\n\n* **Gustavo Lino** (Head of Policy, Legal & Compliance) — Former President of INIT (Brazilian Association of Payment Initiators), board member of Open Finance Brazil\n* **Nic Marcondes** (Director of Open Finance) — Architect of the no-redirect payment flow (JSR), the technology behind Pix by Proximity. 5+ years building Open Finance before it officially existed.\n* **Ana Luisa Monteiro** (CFO) — Expert in Brazil's financial markets and regulated operations\n\n---\n\n## 🚀 Our Journey\n\n![uploaded image](/media/?type=post&id=95950&key=user_uploads/358823/7e9d0ec2-b17f-4efb-908c-9dd724d88dd1)\n\nThis is actually our **third pivot** — and it's working.\n\nWe were one of the first 5 companies to apply for a pure PISP license in Brazil. We co-founded INIT, the Payment Initiators Association. We operated over 1 million consumer accounts and learned firsthand how painful it is to depend on infrastructure you don't control.\n\nWhen our B2C monetization model failed (users only wanted Pix, not cards), we faced a choice: burn through our runway or leverage our real assets — our license and our team.\n\nWe chose to build the infrastructure partner we always wished existed.\n\n**The result:** Cumbuca has been profitable and cash-flow positive since August 2025 — just 3 months after pivoting to B2B.\n\n---\n\n## 🎯 Who We Work With\n\nCumbuca is **not a self-serve platform**. We work with:\n\n* **Global fintechs entering Brazil** — Series B+ companies that need more control than BaaS can offer\n* **Companies outgrowing their BaaS/OFaaS** — Ready to verticalize but don't want to wait for a license\n* **Companies in the licensing queue** — Start building and operating now, migrate when approved\n\nOur customers include credit companies using Open Finance data for underwriting, payment orchestrators, e-commerce giants, PFM apps, and investment aggregators.\n\n---\n\n## 🙏 Our Ask\n\n* **Entering Brazil?** Let's talk about how to launch without giving up control → [daniel@cumbuca.com](mailto:daniel@cumbuca.com)\n* **Know someone scaling in Brazilian payments?** Introduce us!\n* **Investor focused on LATAM fintech infra?** We'd love to connect.\n\n---\n\n## 🔗 Learn More\n\n* Website: [cumbuca.com](http://cumbuca.com)\n* Product Hunt: We're live — your upvote helps! 🚀\n\n---\n\nWe spent 7 years getting here. Now we're just getting started.\n\nDale. 🇧🇷\n\n— Daniel, Bruno, Pedro & the Cumbuca team", "url": "https://www.ycombinator.com/launches/Oxa-cumbuca-the-first-proxy-for-the-brazilian-regulated-ecosystem", "votes": 20, "created_at": "2025-12-03T17:07:13.744Z" } ] }, { "id": 24498, "name": "Levo", "slug": "levo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f51197cc0d17f50d8ca25715f7cf7f5e0c7a81b.png", "website": "https://www.levo.mx", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Levo is a regulated treasury management platform for startups and SMBs to optimize idle cash with tailor-made investment, cash management and working capital strategies ", "one_liner": "Treasury management platform for SMBs to optimize idle cash in Latam", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1625518405, "tags": [ "Fintech", "B2B", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Mexico", "Latin America", "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/levo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/levo.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/levomx", "x_url": "", "fb_url": "https://www.facebook.com/levofintech", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f51197cc0d17f50d8ca25715f7cf7f5e0c7a81b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 736069, "full_name": "Salvador Rivero", "title": "Founder", "founder_bio": "Born and raised in Mexico City, trained in Political Science and Finance at Sciences Po in France. 9 years experience in the investment industry, invested more than $1.5B USD in Latam equity markets. 3rd time founder and fintech geek.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/salvador-rivero-3031182b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d11998041067f0ade6828fddbf53d5e4f229fd8.jpg" }, { "user_id": 736053, "full_name": "Max Mergenthaler", "title": "Founder", "founder_bio": "CEO and Co-Founder of Nixtla.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mergenthaler/", "x_url": "https://x.com/MergenthalerMax", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b8afa424558feaa148955f3b8dbfab125fb53d3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24530, "name": "Float", "slug": "float", "former_names": [ "Welcome Capital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3571cbf557f95515de9e1348c90d09a8554f9180.png", "website": "https://float.xyz", "all_locations": "Honolulu, HI, USA; Remote", "long_description": "Float is Pipe for supply chain finance. We help fast-growing consumer brands unlock capital from their inventory. We pay their supplier invoices up front and enable them to pay for their inventory after they’ve sold it.", "one_liner": "Supply chain finance for consumer brands", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630167397, "tags": [ "Fintech", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "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/float", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/float.json", "year_founded": 2021, "city": "Honolulu", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3571cbf557f95515de9e1348c90d09a8554f9180.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 118668, "full_name": "Rob LaFave", "title": "Founder", "founder_bio": "Rob is a technologist, entrepreneur, investor, and urban farmer.\n\nHe also founded and sold one of Fast Company's Most Innovative Food Companies, Foodzie.com — an online marketplace for artisan foodcrafters.\n\nRob has been named an Inc Magazine Top 30 Under 30 Entrepreneur, BusinessWeek's Best Young Tech Entrepreneur, and Food & Wine Magazine's 40 Big Food Thinkers Under 40.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/roblafave", "x_url": "https://twitter.com/roblafave", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/af11d41971c57f66a6a2c0b6c655a6c59a82b9eb.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24539, "name": "HitPay", "slug": "hitpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4b949ac3131bfb2ed68d424a5df1c9a1eea5c64.png", "website": "https://www.hitpayapp.com", "all_locations": "Singapore, Singapore", "long_description": "HitPay is a full-stack payments infrastructure platform for growing businesses in APAC. Founded in 2016 and headquartered in Singapore, HitPay unifies e-commerce, point-of-sale, and B2B payments — cards, PayNow, QR, digital wallets, and local rails — into a single platform, so merchants can accept, send, and reconcile money across the region from one account. More than 15,000 businesses use HitPay, which has saved SMEs over US$35M in fees (Trustpilot 4.4/5). 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We are currently working on a savings product to promote long-term financial resilience.\r\n\t\r\nWe launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.", "one_liner": "On-demand wage access service built for the African market", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1624454735, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "South Africa", "Africa", "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/floatpays-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/floatpays-inc.json", "year_founded": 2019, "city": "Cape Town", "country": "ZA", "linkedin_url": "https://www.linkedin.com/company/floatpays", "x_url": "https://twitter.com/Floatpays", "fb_url": "https://www.facebook.com/floatpays/", "cb_url": null, "github_url": "https://github.com/floatpays", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9958a79bc44f22b3d870acdfd34254ea08e9945f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 735013, "full_name": "Simon Ward", "title": "Founder", "founder_bio": "I am a passionate technologist and product builder. 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Whether its gig workers like Uber drivers, sellers on marketplaces like Etsy, or simply your local handyman - Dots’ abstracts away the complexity of payouts completely. We manage the entire process: information collection (KYC), payments through any rail (ACH, Venmo, CashApp, Zelle, international, and many more to come), and even filing tax forms! 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He has broad experience ranging from engineering to building products, from investing to founding startups, and from Silicon Valley to SE Asia. Prior to Infina, James was CEO of Lana group, a digital media startup acquired by Japan's LINE Corp. Prior to that, James was a VC at IDG Ventures, Vietnam’s first VC fund with $100M USD. 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Social entrepreneur, driven by #accountability, and geared by the fusion of finance and technology.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/davidakinin/", "x_url": "https://twitter.com/davidakinin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9faf70a48e5b83ff19874258e18a956b4b1f1eb0.jpg" } ], "jobs": [ { "id": 64013, "title": "Software Engineer Lead at Jabu - Pioneering B2B Payments in Africa", "url": "https://www.ycombinator.com/companies/jabu/jobs/9Rd2GJN-software-engineer-lead-at-jabu-pioneering-b2b-payments-in-africa", "location": "Windhoek, Khomas Region, NA / Lusaka, Lusaka Province, ZM / Johannesburg, GP, ZA / Cape Town, WC, ZA / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Namibian B2B e-commerce retail platform JABU raises $15M led by Tiger Global – TechCrunch", "url": "https://techcrunch.com/2022/05/25/namibian-b2b-e-commerce-retail-platform-jabu-raises-15m-led-by-tiger-global/", "date": "May 25, 2022" }, { "title": "Jabu donates N$55 000 to community shop - The Namibian", "url": "https://www.namibian.com.na/6214414/archive-read/Jabu-donates-N$55-000-to-community-shop", "date": "Mar 25, 2022" }, { "title": "YC’s backing of its first Namibian startup shows investors are paying attention to the country | TechCabal", "url": "https://techcabal.com/2022/02/14/yc-recent-backing-of-jabu/", "date": "Feb 14, 2022" }, { "title": "YC-backed Namibian startup JABU gets $3.2M for its B2B e-commerce and retail play – TechCrunch", "url": "https://techcrunch.com/2022/01/06/yc-backed-namibian-startup-jabu-gets-3-2m-for-its-b2b-e-commerce-and-retail-play/", "date": "Jan 06, 2022" } ], "launches": [] }, { "id": 25106, "name": "Apollo", "slug": "apollo-3", "former_names": [ "Yodaa.club", "TBA", "Yodaa", "Yodaa BizFirst", "Yodaa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ea4e2897740aa14e96c42667cc3be13a0f2c9e8.png", "website": "https://www.apollofirst.xyz/", "all_locations": "Bengaluru, KA, India", "long_description": "", "one_liner": " Payments & Loyalty Infrastructure ", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647271982, "tags": [ "DeFi", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/apollo-3", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/apollo-3.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "", "x_url": "https://twitter.com/Apollo1HQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ea4e2897740aa14e96c42667cc3be13a0f2c9e8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 806204, "full_name": "Tanmaay K", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tanmaay-k-413400217/", "x_url": "https://twitter.com/Tanmaay_K", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/36f2ee7f55a9c87e3c5c9e9397b909548b9d03e3.jpg" }, { "user_id": 814897, "full_name": "S G", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shival-gupta-1782b6217/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5f5b9321be1020ed3e6a43c8aea51135de50ce4.jpg" } ], "jobs": [ { "id": 54621, "title": "JS/Web3 Full Stack Engineer (YC backed Web3 + FinTech company)", "url": "https://www.ycombinator.com/companies/apollo-3/jobs/pU6LGTh-js-web3-full-stack-engineer-yc-backed-web3-fintech-company", "location": "Bangalore, Karnataka, India / Remote (India)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "HTML", "JavaScript", "Node.js", "React", "Rust" ] } ], "news": [], "launches": [ { "id": 66060, "title": "BizFirst: Accept Crypto Payments and run NFT-based loyalty programs on your Website/E-Commerce Store.", "tagline": "Web3 Payments & Loyalty Infrastructure ", "body": "Hey folks!👋 We at [Apollo](https://www.apollofirst.xyz/) have just launched our first product [BizFirst](https://www.bizfirst.xyz/)! \n\nWe, as a team have previously built large-scale fintech products for SMBs in SEA & India. Having experienced many problems faced by SMBs with traditional payments & due to our involvement with Crypto/Blockchain from the very early days - We decided to build [BizFirst](https://www.bizfirst.xyz/) \n\n## BizFirst helps online merchants to:\n\n1. Accept Crypto (USDC) Payments 💰\n2. Send & Receive USDC invoices 🧾\n3. Run an NFT-based Loyalty program i.e. Token-Gate, Offer Discounts for NFT collections & issue store-branded discount NFTs for your store. 🪄\n\n## Merchants love BizFirst because using BizFirst allows them to:\n\n1. Reduce up to 80% on the Transaction fee\n2. Get their money instantly (less than 5 secs vs 6-7 days)\n3. Go Global from Day 0 (No country-by-country setup, 0 Cross-border fee)\n4. Avoid Chargebacks (Crypto Payments are irreversible from Day 0)\n5. Attract & meaningfully engage customers (NFT-based loyalty programs)\n\n \n\n## Asks\n\n1. We’d also love Intros to solid product engineers & marketers to join us. ([Open Roles](https://www.ycombinator.com/companies/apollo-3/jobs))\n2. Share [BizFirst](https://www.bizfirst.xyz/) with your network & show some love. \n3. Follow us on [Twitter](https://twitter.com/MyBizFirst)!\n\n ![uploaded image](/media/?type=post&id=66060&key=user_uploads/806204/961f0200-0d11-413b-96c7-a78518d79190)\n\n ![uploaded image](/media/?type=post&id=66060&key=user_uploads/806204/8b1122fe-b7b0-43ae-9789-bfc7ae8bfd94)\n\n ![uploaded image](/media/?type=post&id=66060&key=user_uploads/806204/c189b165-7b91-48ec-9532-0834ee8b2d56)\n\n", "url": "https://www.ycombinator.com/launches/HBU-bizfirst-accept-crypto-payments-and-run-nft-based-loyalty-programs-on-your-website-e-commerce-store", "votes": 39, "created_at": "2022-09-14T14:57:25.317Z" } ] }, { "id": 25118, "name": "Arc", "slug": "arc-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "website": "https://www.joinarc.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services – all in one unified platform.\r\n\r\nFounded in 2021, Arc has headquarters in San Francisco and New York City and is backed by investors including Left Lane Capital, NFX, Bain Capital Ventures, Atalaya, Clocktower Technology Ventures, Torch Capital, and Y Combinator. To learn more, visit www.joinarc.com.\r\n\r\nArc is a financial technology company, not a bank. For important information about Arc, see our general disclosures: https://www.joinarc.com/general-disclosures", "one_liner": "Banking & Funding for Startups", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642185516, "tags": [ "Banking as a Service", "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arc-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/arc-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/join-arc", "x_url": "https://twitter.com/join_arc", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/arc-technologies-245d", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 602523, "full_name": "Nick Lombardo", "title": "Founder", "founder_bio": "Co-Founder & CEO @ Arc Technologies. 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Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.", "one_liner": "US based USD accounts for non-US residents ", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1646751404, "tags": [ "Fintech", "Payments", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "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/elevate", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/elevate.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/elevatepay/", "x_url": "https://twitter.com/elevatepayhq", "fb_url": "https://www.facebook.com/elevatepayhq/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc3d0ef28fa8806d45415f17c3713cfab0728c8a.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": 820053, "full_name": "Khalid Keenan", "title": "Founder", "founder_bio": "Imperial College graduate in Computing. 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I studied Mathematics at the University of Nottingham.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/feed/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48fd3e960a3c81155ee2c59b0ddb428e1186cc1c.jpg" } ], "jobs": [], "news": [ { "title": "Starting in war-torn Sudan, YC-backed Elevate now provides fintech to freelancers globally | TechCrunch", "url": "https://techcrunch.com/2024/06/06/once-serving-war-torn-sudan-elevate-now-services-other-emerging-markets/", "date": "Jun 06, 2024" }, { "title": "Y Combinator-backed Elevate enters Pakistan, aims to resolve freelancers’ payment woes - Technology - Business Recorder", "url": "https://www.brecorder.com/news/40285044", "date": "Jan 22, 2024" } ], "launches": [] }, { "id": 25304, "name": "Kapital Bank", "slug": "kapital-bank", "former_names": [ "Kapital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e7631cd35e1333e5d0030032021c458ed7fc190.png", "website": "https://www.kapital.mx", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Cash management solution that offers debit & credit solutions for Enterprise/SMBs in LATAM. \r\n- 24/ Multi-treasury: FX, multiple debit global accounts, payroll & services payment to all the world 24/, wires\r\n- Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses\r\n- Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments. 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I have more than 10 years of experience working in the financial & consulting industries. I love innovation and ideating, but more importantly, I structure and execute the ideas. 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The Railbird team has years of experience analyzing companies in the service sector and has seen firsthand how little opportunity there is to hedge risk in volatile markets like hospitality, tourism, recreation, entertainment, and sports. The platform is designed to be open to all traders.", "one_liner": "A futures market for events.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1645141573, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "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/railbird", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/railbird.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/railbird/", "x_url": "https://twitter.com/railbirdxchange", "fb_url": "https://www.facebook.com/Railbird.Technologies", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5e6d4ea5d981a729d0ce6ebe8a84504111445b16.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 694249, "full_name": "Miles Saffran", "title": "Founder", "founder_bio": "Miles is the co-founder and CEO of Railbird Technologies Inc.\n\nPrior to founding Railbird, Miles was an investment research analyst at Point72 covering the fintech and gaming sectors. Before that, he was a data scientist at the Orlando Magic, where he built machine learning models to assist with scouting and in-game play.\n\nHe received a B.S. in Computer Science from Yale University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/miles-saffran-00468810b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e8a969d316343604e282a717957e835b08118175.jpg" } ], "jobs": [], "news": [ { "title": "DraftKings acquires predictions platform Railbird", "url": "https://www.cnbc.com/2025/10/21/draftkings-railbird-predictions-platform-acquisition.html", "date": "Oct 21, 2025" } ], "launches": [] }, { "id": 25309, "name": "PolicyFly", "slug": "policyfly", "former_names": [ "PolicyFly", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7570941b976b7bc56ac23e694bcfe99476db2d2d.png", "website": "https://www.policyfly.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks.\r\n\r\nEvery year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. \r\n\r\nWe bring growth, efficiency and transparency to otherwise hard to insure markets.", "one_liner": "Modernizing Specialty Insurance", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1648055687, "tags": [ "Marketplace", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/policyfly", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/policyfly.json", "year_founded": 2018, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/policyfly", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/policyfly", "github_url": "https://github.com/policyfly", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7570941b976b7bc56ac23e694bcfe99476db2d2d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 843839, "full_name": "Cory Crosland", "title": "Founder", "founder_bio": "CEO of PolicyFly\n\nPreviously started a digital product studio, Croscon. After the 4th insurance company asked us to build the same custom platform, we realized we needed to create it as a product and thus PolicyFly was born…\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/corycrosland/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/644416f41fc3fe36717b3dcced1af76d1dfed8ee.jpg" }, { "user_id": 867181, "full_name": "Marcel Esser", "title": "Founder", "founder_bio": "CTO @ PolicyFly. Judoka and jiujiteiro. Lover of coffee. Gearhead with gasoline in his veins. Soul saved by rock & roll.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f8098dc969c55434651f65507de9ccd93a76b462.jpg" }, { "user_id": 865840, "full_name": "Michael Fiedel", "title": "Founder", "founder_bio": "Co-Founder of PolicyFly and COO. I also Co-Founded InsurTech Ohio and Scout InsurTech, which allows me to better understand the ongoing evolution of insurance and the people pushing innovation in an industry I've come to love.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaelfiedel/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aebb899e4d6bda1260b3482f3e2658850c7da5f3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25315, "name": "Rebill", "slug": "rebill", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.png", "website": "https://www.rebill.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Rebill is the financial infrastructure platform for the Americas.\r\n\r\nThe companies shaping software, AI, travel, and digital services use Rebill to operate across Brazil, Mexico, Argentina, Colombia, Chile, and the United States.\r\n\r\nRebill brings local payments, installments, recurring billing, stablecoin rails, treasury, global payouts, and financial operations into one platform built for how money actually works across the Americas.\r\n\r\nEvery market is different. Rebill makes the infrastructure consistent. Engineering, finance, and operations teams can manage local currency acceptance, market-specific payment behavior, funds, and financial workflows from the same platform.\r\n\r\nCompanies can launch in Latin America in as little as a day and expand across markets without rebuilding their financial stack country by country.\r\n\r\nBuilt locally. 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Approval rates were weak, local methods were missing, subscriptions were hard to manage, and every country required a different setup.\r\n\r\nWe began by solving that pain directly, helping merchants collect more effectively across the region. As we went deeper, it became obvious that the real gap was not just billing software, but infrastructure. Companies needed a single platform that could abstract away local complexity and let them operate across markets with speed.\r\n\r\nThat is how Rebill evolved from solving recurring payments into building payments infrastructure." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "We applied to YC because we were building in a category with a much bigger opportunity than people usually assumed. We did not want to build a regional tool. We wanted to build infrastructure with global relevance.\r\n\r\nYC helped us sharpen the story, move faster, and think much more clearly about category, ambition, and execution. It pushed us to simplify the message and focus on what truly mattered.\r\n\r\nThe batch and Demo Day helped us position Rebill as a company solving a fundamental infrastructure problem, starting with LATAM and expanding beyond it." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "We stay active in the YC community through Bookface, founder relationships, and ongoing use of YC resources across fundraising, hiring, product, and tactical problem solving.\r\n\r\nWhat continues to matter most is access to founders who are building with intensity and clarity. YC remains part of our operating environment, not just part of our history." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Rebill started by addressing recurring billing and payment problems for companies operating in Latin America. Early on, we focused on helping merchants navigate subscriptions, collections, and the operational complexity of the region.\r\n\r\nThe first major inflection point was realizing that software alone was not enough. The deeper problem was payment infrastructure itself: local rails, local methods, acquiring, recovery, and settlement.\r\n\r\nThe second major inflection point came when we moved closer to the rails and began building direct infrastructure instead of depending only on third parties. That changed the economics, product depth, and strategic value of the business.\r\n\r\nToday, Rebill is building a broader payments infrastructure layer for LATAM and the US, with the long-term goal of becoming the financial infrastructure for underserved markets." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The core problem is that companies expanding across LATAM and similar markets face fragmented payment infrastructure.\r\n\r\nThey need local methods, better conversion, subscription support, transparent settlement, and a fast path to launch, but the market is still dominated by patchwork solutions, slow enterprise processes, and country-by-country complexity.\r\n\r\nThis is a big problem because payment performance directly affects growth. Poor infrastructure means lower approval rates, less access to local demand, slower launches, and lost revenue.\r\n\r\nWe decided to work on it because we saw firsthand how large the gap was and how few companies were actually productizing a solution that developers and operators could use quickly." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Our long-term vision is to build the financial infrastructure layer for underserved markets.\r\n\r\nWe are starting with payments in LATAM and the US because that is where companies feel the pain most immediately: collecting money, scaling across markets, and doing it without operational chaos. Over time, we want to make entering complex markets as simple as launching in the most developed ones.\r\n\r\nIf we succeed, companies will no longer need to assemble fragmented providers, local entities, and manual workflows just to operate internationally. They will integrate once and scale across markets through infrastructure that makes difficult geographies feel simple." } ], "url": "https://www.ycombinator.com/companies/rebill", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/rebill.json", "year_founded": 2020, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/rebill", "x_url": "https://twitter.com/rebillteam", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/rebill-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.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": 43569, "full_name": "Nahuel Candia", "title": "Founder/CEO", "founder_bio": "Nahuel is the Founder and CEO of Rebill, building financial infrastructure for global companies in LATAM and the US.\nHe is an MIT-recognized entrepreneur who built 3 companies before 30.\nDeveloper since 14, he remains highly hands-on across product, engineering, and execution.\nBefore Rebill, he founded Shovel Apps and was CTO of Ando.la, later acquired by Moova.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nahuelcandia/", "x_url": "https://twitter.com/dncandia", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e324ec6481088e92fa92133c49f2dcc6d2ecedd.jpg" }, { "user_id": 598544, "full_name": "Ariel Diaz Ailan", "title": "Founder", "founder_bio": "Building the financial infrastructure platform for the Americas at Rebill. We help global software, AI, travel, and digital services companies operate across Latin America and the US with local payments, billing, treasury, and payouts. 16 years in e-commerce, 12 in software, and 6 in fintech. Happy to compare notes on payments, financial infrastructure, and international expansion.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/diazailan", "x_url": "https://www.twitter.com/diazailan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e32bb55f229b15c068f957c5f94b28f13fec07bc.jpg" } ], "jobs": [ { "id": 109740, "title": "VP of Sales", "url": "https://www.ycombinator.com/companies/rebill/jobs/3xYpdc9-vp-of-sales", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $120K", "equity_range": "0.30% - 0.60%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 109741, "title": "Head of Growth", "url": "https://www.ycombinator.com/companies/rebill/jobs/rNjIwYH-head-of-growth", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - 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₹1.6M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Google Cloud", "Kubernetes", "MS SQL", "MySQL", "PL/SQL", "PostgreSQL", "Python", "SQL", "Torch/PyTorch", "Machine Learning", "Deep Learning", "Docker", "Natural Language Processing", "Data Analytics", "PyMOL", "Machine learning", "Terraform" ] }, { "id": 92435, "title": "Technical Operations & AI Automation Engineer - (Bangkok/Hybrid)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/FKQG3Ha-technical-operations-ai-automation-engineer-bangkok-hybrid", "location": "Bangkok, Bangkok, TH / Remote (Bangkok, Bangkok, TH)", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "MongoDB", "MS SQL", "MySQL", "PostgreSQL", "Python", "SQL", "Machine Learning", "Deep Learning", "Natural Language Processing", "Machine learning" ] }, { "id": 95821, "title": "Product Manager Intern - (Paid - India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/rYzXu6z-product-manager-intern-paid-india-remote", "location": "IN / Remote (IN)", "type": "Internship", "role": "Product", "role_type": null, "salary_range": "₹360K - ₹480K INR", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 100412, "title": "Delivery Manager, Enterprise (India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/eREadyE-delivery-manager-enterprise-india-remote", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹3M - ₹4M INR", "equity_range": "0.30%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 111401, "title": "Delivery Manager Intern, Enterprise (India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/dxHpqu2-delivery-manager-intern-enterprise-india-remote", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹50K - ₹60K INR / monthly", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "From Tools to Teammates: Peakflo Co-founders on Why AI Agents Must Evolve to Transform Enterprise Operations - Grit Daily News", "url": "https://gritdaily.com/peakflo-co-founders-on-why-ai-agents-must-evolve/", "date": "Feb 17, 2026" }, { "title": "Peakflo's bid to build business payments for Southeast Asia attracts capital, customers", "url": "https://finance.yahoo.com/news/peakflos-bid-build-business-payments-010017158.html?guccounter=1", "date": "Dec 21, 2022" }, { "title": "Cauldrons, Bolts and sour markets: It's Halloween in July", "url": "https://techcrunch.com/2022/07/08/cauldrons-bolts-and-sour-markets-welcome-to-halloween-in-july/", "date": "Jul 08, 2022" }, { "title": "AP/AR Software Firm Peakflo Raises $4.1M in Seed Funding - PYMNTS.com", "url": "https://www.pymnts.com/news/investment-tracker/2022/ap-ar-software-firm-peakflo-raises-4-1m-in-seed-funding/", "date": "Jul 06, 2022" }, { "title": "Peakflo’s bid to build business payments for Southeast Asia attracts capital, customers – TechCrunch", "url": "https://techcrunch.com/2022/07/05/peakflos-bid-to-build-business-payments-for-southeast-asia-attracts-capital-customers/", "date": "Jul 05, 2022" } ], "launches": [] }, { "id": 25319, "name": "Samos Insurance", "slug": "samos-insurance", "former_names": [ "Five1Nine" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b821add4b6477d2d702a875b345acf3070b04b8.png", "website": "https://www.samos.insure", "all_locations": "Kitchener, ON, Canada", "long_description": "Samos sells accidental death insurance for individuals undergoing surgery. Just like travel insurance but covering a hospital stay.", "one_liner": "Accidental Death Insurance for Surgery ", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1647802116, "tags": [ "Fintech", "Consumer Health Services", "Health Tech", "Healthcare", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/samos-insurance", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/samos-insurance.json", "year_founded": 2021, "city": "Kitchener", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/samosinsure/", "x_url": "https://twitter.com/samosinsure", "fb_url": "https://www.facebook.com/samosinsure", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b821add4b6477d2d702a875b345acf3070b04b8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 347879, "full_name": "Leon Punambolam", "title": "Founder", "founder_bio": "Accomplished & highly networked insurance executive with broad leadership, strategic, financial, tech, risk management & operational experience. Consistently chosen to lead strategic initiatives ranging from grassroots establishment of businesses, to being seconded as turnaround manager to bring business to the “next level”. A trusted strategist with a talent for translating broad concepts into clearly articulated business visions & fiscal objectives to drive business growth.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/leonpunambolam/", "x_url": "https://twitter.com/punambolam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e9d4c52ba3bb591d1d3317275c34682595a87577.jpg" } ], "jobs": [], "news": [ { "title": "Samos launches insurance product for accidental death during surgery | BetaKit ", "url": "https://betakit.com/samos-launches-insurance-product-for-accidental-death-during-surgery/", "date": "Mar 16, 2022" } ], "launches": [] }, { "id": 25322, "name": "VantedgeAI", "slug": "vantedgeai", "former_names": [ "8vdx", "8vdX", "8vdx", "VentedgeAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/12fd444a2c7a34b121c256f9259458e601b0351a.png", "website": "https://www.vantedgeai.com/", "all_locations": "Norwalk, CT, USA", "long_description": "FundOS is the agentic operating system for fund managers. It replaces the manual \"human glue\" between a fund's systems with audit-logged AI agents — covenant monitoring, capital calls, diligence, recon, and reporting — running on the data funds already have, via MCP, with no migration. Dogfooded at Eight Capital, where FundOS runs a 270+ company YC portfolio off a single spine of data, auto-generating NAVs and K-1s. Clients include Semper Capital (London) and a New York asset manager. SOC 2, role-based access, LP-scoped data, and a full audit trail. Built by a team that ran a credit fund for 15 years.", "one_liner": "FundOS — AI operations for fund managers", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1641821942, "tags": [ "Fintech", "SaaS", "Workflow Automation", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vantedgeai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/vantedgeai.json", "year_founded": 2021, "city": "Norwalk", "country": "US", "linkedin_url": "https://www.linkedin.com/company/vantedgeai", "x_url": "https://x.com/vantedgeAI", "fb_url": "https://www.facebook.com/vantedgeAI", "cb_url": "https://www.crunchbase.com/organization/8vdx", "github_url": "https://github.com/8vdx1", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/12fd444a2c7a34b121c256f9259458e601b0351a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 754637, "full_name": "Ravi Chachra", "title": "Founder", "founder_bio": "Ravi cofounded VantedgeAI (W22), and has invested in over 270+ YC companies through a demo day fund, Eight Capital. In 1999, he co-founded SNAZ, a venture backed mobile wallet and universal shopping cart. After the Dot.com bust, he set up a distressed fund to acquire busted convertibles bonds of tech cos that could thrive in the future. In 2019, he set up a pvt. credit fund which was sold in 2021 to his JV partner, J.C. Flowers & Co. Ravi holds a Degree in Computer Science and a Wharton MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rchachra/", "x_url": "https://twitter.com/rchachra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5924ae5024e7221014146da3f8c32d3541967da8.jpg" }, { "user_id": 763615, "full_name": "Vijay Lavhale", "title": "Founder", "founder_bio": "Building VantedgeAI\nInvesting at Eight Capital", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vijay-lavhale-86b06938/", "x_url": "https://www.twitter.com/vijay_lavhale1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a1a246f671e71e4764cba5f0f6a9c27830cb2fc.jpg" } ], "jobs": [], "news": [ { "title": "Venture Debt Fund 8vdX's New Move To Aid Startups In Early Stages", "url": "https://www.vccircle.com/venturedebt-fund-8vdx-s-new-move-to-aid-startups-in-early-stageshttps://www.vccircle.com/venturedebt-fund-8vdx-s-new-move-to-aid-startups-in-early-stages", "date": "Jan 04, 2023" }, { "title": "8vdX Secures Investment To Back Early And Growth Stage Startups", "url": "https://inc42.com/buzz/venture-debt-player-8vdx-secures-investment-to-back-early-and-growth-stage-startups/", "date": "May 27, 2022" }, { "title": "How venture debt marketplace 8vdX provides funds on founder-friendly terms", "url": "https://yourstory.com/2022/04/venture-debt-marketplace-8vdx-startups-ravi-chachra/amp", "date": "Apr 12, 2022" } ], "launches": [ { "id": 89343, "title": "🚀 Vantedge AI — The Agent marketplace to scale your investing workflows", "tagline": "AI agent marketplace with a secure data layer infrastructure and compliance framework", "body": "Hi everyone! We’re building **an agent marketplace** with a secure data layer infrastructure and compliance framework **for institutional investors and fintech AI startups**.\n\n### **🧠 The Problem**\n\nInstitutional Investors know they need to adopt AI — but where does one start?\n\n* AI is new, noisy, and fragmented.\n* Consultants lack the required knowledge and are expensive.\n* Broadly available mainstream AI tools aren't built with investor workflows, compliance, or security in mind.\n\nMeanwhile, fintech AI startups are building targeted specialised agents — but distribution to investment funds is a huge challenge.\n\n### **💡 Our Solution**\n\n**Vantedge AI** is the first Agent marketplace with distribution to a rapidly expanding client base of 10+ blue-chip institutional investors managing **$100B+ in AUM**.\n\n* **For investors:** A secure, plug-and-play platform with curated AI agents to streamline research, diligence, and analysis.\n* **For AI startups:** A distribution and infrastructure layer that gets your agents in front of institutional clients, with SOC 2-level compliance, usage tracking, and real-world data access.\n\nWe’re now opening up access to our Agent Marketplace for startups building fintech AI tools.\n\n### **⚙️ How It Works**\n\n* Investors can upload any document or search for filings and instantly run a vetted AI agent — like an SEC filings parser or investment memo generator.\n* AI startups can integrate their agents through our SDK and securely run them inside investor workflows — no sales motion required.\n* All data is stored in a secure Data Vault with workspace-level access, so funds can collaborate and startups can serve verticalized use cases.\n\n🎥 [Here’s a 90-second demo of how it works](https://youtu.be/piElxwuZXbM):\n\n---\n\n### **🎯 Who It’s For**\n\n* **Investors and funds**: Looking to adopt AI but want a secure, curated, and compliant solution.\n* **AI startups**: Building tools for the investment ecosystem and looking for distribution, infrastructure, and real customers.\n\n---\n\n### **📣 Call to Action**\n\n* 🎯 **Funds**: Want to try the platform? **Please reach out to us at** [**founders@vantedgeai.com**](mailto:founders@vantedgeai.com)\n* 🤖 **AI startups**: Want distribution to $100B+ in AUM? [**Join the Agent Marketplace waitlist**](https://forms.gle/cHen2Hh74n3B1Npr8)\n\n### **🙌 Thanks YC**\n\nWe wouldn’t be here without the YC community, and we’d love your feedback, intros, or support. If you’re building in AI, fintech, or investing, we’d love to connect.", "url": "https://www.ycombinator.com/launches/NF1-vantedge-ai-the-agent-marketplace-to-scale-your-investing-workflows", "votes": 12, "created_at": "2025-04-08T19:51:06.367Z" }, { "id": 80487, "title": "Yardstick - Data-driven startup valuation and KPI benchmarking tool", "tagline": "Benchmark and value startups with ease", "body": "Hello, YC community! We're Ravi and Vijay, data enthusiasts and startup founders who've faced the significant challenge of quantifying startup success. Through our experiences in building and growing companies, we've recognized a glaring need in the market for transparent, accessible benchmarking and valuation metrics—tools that rely on data rather than just intuition or incomplete data. Here is a [quick demo](https://app.storylane.io/share/916eqxtsotpo). \n\n![uploaded image](/media/?type=post&id=80487&key=user_uploads/763615/96e63adc-0b0b-46db-a6cc-0ddca5afeb65)\n\n**What Yardstick Offers:**\n\nYardstick delivers comprehensive tools for accurately benchmarking startup performance and estimating valuations. _Our platform utilizes an extensive dataset of startup performance metrics, providing growth rate percentiles to precisely position startups against a broad database. Moreover, Yardstick computes valuation estimates_ through sophisticated models that analyze KPIs in relation to valuation data and qualitative insights from hundreds of startups.\n\n**The Problem and Our Journey:**\n\nNavigating the vibrant startup ecosystem, we found that evaluating these ventures has traditionally been more art than science_. Our experience in assessing hundreds of early-stage startups for equity and debt investments revealed the difficulty of understanding their market standing without resorting to costly market research or external consultants_. This challenge inspired the creation of Yardstick.\n\n**Our Solution:**\n\nYardstick seamlessly integrates into the workflows of fintechs, investors, and entrepreneurs wanting to underwrite a startup’s performance. Our solution offers not just KPI benchmarking but also insights into current valuations. _With both an API and a user-friendly web application_, Yardstick serves both technical and non-technical users, ensuring comprehensive accessibility.\n\n**Give it a try:**\n\nWe are thrilled to introduce Yardstick and are eager for your feedback. Whether you are a fintech looking to perform KPI benchmarking on potential clients, an investor in need of data-driven tools, or a startup founder trying to understand where your startup stacks up against peers or what should be the latest valuation based on current traction, [we invite you to try out Yardstick](https://ventureinsights.ai/yardstick/) (without a need to sign up!) and share your insights. For those interested in integrating our tools directly, check out our [API documentation](https://documenter.getpostman.com/view/32615745/2sA35G3MMX).\n\nWe look forward to your feedback!\n\nThank you,\n\nRavi and Vijay", "url": "https://www.ycombinator.com/launches/KwB-yardstick-data-driven-startup-valuation-and-kpi-benchmarking-tool", "votes": 7, "created_at": "2024-04-29T16:44:40.352Z" }, { "id": 79828, "title": "Ventureinsights.ai - Stay on top of your angel portfolio with Smart Updates", "tagline": "Effortlessly oversee your investments, with all the critical information you need at your fingertips", "body": "As an angel investor, if you have more than a handful of startups in your portfolio - staying on top of how each company has been performing through their investment updates is hard as it is difficult to remember their KPIs and goals from their past investment updates. At [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3p1W5CnVzJ74HHFqW2cDQZK3w0lS2N2DPgRM2mnSXW7jhCrx1-80tGW6KWBsH3yQ423W3dCVRC4zzGg0W7SFwY58DSQxwW1wh6wZ1yNz2yW2vwcTV6R2x7WW8wFCM24RdyFBW3pbYyX8JcB6mW9dC9Yy98f9RLW8GM13H59q25kN5JDmyQ5NJfHW7bflGj4W15DbW39dwrq2sZ44lW5MSk1L4Ytt7YN29Pt1s17ZP8W39H9Nq1CPqbrW3DBFhf1SJ7qyW4mfrMn7_yq8fW4rPFC65-11JFW2VLKHY4BjmnYW7grPCC5NJqgZW3nxBSB4yr6LxMdG2b7tjzyDf5J9l9b04), we understand the value of your time and investments. That's why we've developed a tool that makes it super easy to monitor and manage your angel investments - introducing the [Smart Updates](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3p0W8fMLXx20nsnJW1Fvfzk6LTlP8W7_dsKt4MkxzyW7T-3sj5km1B2W8lqhdj1vMTQrW6sggCG8Jq_dqN2NQgS0YVlbcW5xtKvn5wf6VvVvQ49m70_-3zVgNJNn8k216sW2_mcJy5Hl3wLW1TfLDV4Q-LdNW6j82r87k1rF4W6q-ZFr2YTTCqW3GHkcR7hz18dN7-ndQnKdzldW4qwwSL8MqJHbW3nV7Fy6Y_TGpN3B7ZKfrf5MmW1Ww_9j5Mkt4vVL6n3X3FwV22W5L00xN6LMzKFW8KLgCj5GB_fDV3P8q38yQBpxW583JwQ83tvL8W6L7LzC8dLjx4f4qcN9T04) tool.\n\nYou can check out a quick demo here: \n\n[Smart Updates](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3nvW2KsthG7X96xrN50pTLK_FNYWN7015NBP-H4NW2FHRff7hYp1rW3VxbFM4fFNvrN7TZNPL81Rx1W6g377d734DhZW5ypF8m8W5nZpW804f8l5DhMsDW4XB9ss2dfGn-W1BkkVW551P7yW1fFJD868ChbQN7sgyWVP3wjQW3LCD753v0hbRW71Nzv42zVC0bVjpXy21wGF9zW19W_D443lVc-W12vQXT8kPHLHW1Kck915rMMt8W4LMN0J4K92bwW5qvD716NvgvwW8cBhhG81-GHDW2GMCy15YydKNW2BPzxL6mQrXwW5DvtKh6Gw1ssW7fSQNv5nF78FdTBS7P04) is designed to streamline your investment oversight process. It collates, summarizes, and visualizes the key performance indicators (KPIs) of your portfolio companies through engaging graphs and concise summaries. Our tool also smartly tags and organizes periodic updates from founders, allowing for a seamless review process.\n\n![](https://lh7-us.googleusercontent.com/HW6OYmd-pGO2k9jwRLHrY6Z-zCB79mLvmx-8DMW4240EyJR-mvVMQCRFg3etNY5M_K7k1nUfGt3Mz9VQaUR1RaJ8RsPyYqrPAE29lM0DudvTL7enJ4Y4RSIYZS2Tnel5DmBJx42arzcePasBykiBY-o)\n\nImagine having the ability to effortlessly oversee your investments, with all the critical information you need at your fingertips. [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3ngW3ryJGW988LTtVCB1qF3P6-vKV36xRM2qB12PW8cD7cx7NSV9-W5xfpFw676htDW7V4P7D1qWRpSW7Zv5Rb1nlw6TW4cnG0F3P4XD2W6T2KzH3yzsB0W6qM6Gj8VF64tN55l1Xf_hxnGW2YXl3T1Vt3rgW7W86w07jC8DvW7GRV6N4qWD6DW6nzz735lLkhXW2jCN6Z63jGhrW68NjHW81PX0xW6jkWXD2X_LYGW5RZHt835pHw1N78K1WkRJFMcW1t90vJ545dxkW5x3mW95jRDPCW5gy2LH6qbJKHW16_zgx13L1c-W43SF4V62lwBgW8FL4Pt3HpS31f6Z0gDF04) makes this possible, through a dashboard with the insights you need to make informed decisions and maximize the potential of your portfolio.\n\nWe believe that effective monitoring leads to better support for your investments and, ultimately, to higher returns. Let VentureInsights take the complexity out of managing your angel investments, so you can focus on what you do best - identifying and investing in the next unicorn! \n\nLearn more and sign up by visiting [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3nHW1sBdsm3Nnz8wW9llzzq4q5vt3N3mz7FK7GZxJW22YdHZ6NL9dLW1Q2VPz4_hWr7VFBrpq8bcvRSN846zRq1lLBFN1dwH99HldbCN2W3fM0jzHRhW3zQ73V93GGl8N52DSZBB67vnW3m6MSS6LN4DXW5LmmR18wC_SQW4VkpTP3Bdc2LW1419rf3Yzkp8W2R3VGW10-MwfN1x34MPHjqgQW9hHggj96cYLQW43PKsz8H3q0hW71rLtY2xG6H2N3kYKzmf7-MQVKvxSz26_tGvW1SZp0X3wWy8nW4WMzfB5BNhStW4JSl5t7YnKsfW2DF5Z52Z8wPlf1xW0tv04) today. \n\n Best,\n\n8vdx Team", "url": "https://www.ycombinator.com/launches/KlY-ventureinsights-ai-stay-on-top-of-your-angel-portfolio-with-smart-updates", "votes": 10, "created_at": "2024-03-30T21:34:33.124Z" }, { "id": 76266, "title": "🚀 VentureInsights: Intelligent data-driven decision-making for investors", "tagline": "VentureInsights harnesses AI to empower VCs and angels with actionable intelligence and data-driven decision-making.", "body": "Hey everyone! 👋\n\nWe're thrilled to unveil [**VentureInsights**](https://www.8vdx.com/ventureinsights/), our latest venture in revolutionizing early-stage investing. Having backed over 90 YC startups, we've crafted a solution to the persistent challenges of investment discovery, analysis, and monitoring.\n\n[ ](https://www.youtube.com/watch?v=IDo_EN21P4E)\n\n### **The Problem**\n\nEarly-stage investing is fraught with scattered data, cumbersome discovery, and a lack of effective tools for analyzing startups with minimal track records. Post-investment, investors grapple with the pain of tracking scattered investment updates, often losing out on pivotal insights.\n\n### **The Solution**\n\nEnter VentureInsights, your AI-driven hub for early-stage investing. Here's how we're changing the game:\n\n1. **Easy Discovery**: Connect with actively fundraising startups, reducing the grunt work of finding investment-worthy ventures.\n2. **In-Depth Analysis**: Convert inbound founder communications into detailed investment profiles with our AI Analyst tool, giving you the essentials to make informed decisions swiftly.\n3. **Smart Monitoring**: Our Smart Updates feature parses regular updates from your portfolio companies, offering a continuously refreshed performance snapshot and industry benchmarking via the 'Yardstick' score.\n\nAlready, many YC founders have expressed interest in VentureInsights. Experience VentureInsights firsthand with the [**click-through**](https://app.storylane.io/share/sfhx5tbvsqmv) demo or just book a personal demo with our team through this [**calendar link**](https://meetings.hubspot.com/vijay-lavhale/vi-demos).\n\nTo celebrate our launch, we're providing $200 in joining credits that can be applied towards subscription fees ($19.99/month), and AI reports ($9.99/report). No credit card is needed to start your trial.\n\nJoin the venture revolution with us, and let's navigate the investment journey together.\n\nCheers,\n\nRavi and Vijay (Founders@8vdx.com)", "url": "https://www.ycombinator.com/launches/Jq6-ventureinsights-intelligent-data-driven-decision-making-for-investors", "votes": 12, "created_at": "2023-11-15T23:47:27.197Z" }, { "id": 68625, "title": "8vdX - Extend your seed extension with a ‘seedex booster’ of up to $1M", "tagline": "Venture debt marketplace with a fundraising stack for early stage startups", "body": "**We are excited to announce the launch of 8vdX Seedex Booster, a new addition to our expanding product portfolio at 8vdX. This product offers early stage startups the opportunity to access seed extension debt of up to $1 million.**\n\nUntil recently, we were focused on providing bridge to Demo Day loans to current YC batches. However, the current market environment has given us the opportunity to expand our product offering.  The 8vdX Seedex Booster aims to solve some of the fundraising challenges currently being faced by founders including;\n\n* Not enough funding runway to meet the performance benchmark expectations of series A investors\n* Decreased valuations that require founders to achieve significantly higher targets in order to avoid a down round \n* Raising seed extension rounds can be challenging in the current environment\n\n8vdX's Seedex Booster program augments a startup’s seed extension raise with up to $1 million of additional funding with founder friendly venture debt.\n\n**How it works is pretty simple:**\n\n**8vdX is offering to contribute up to 25% of a startup's seed extension round**, with the remaining 75% sourced from insiders or others. Our ticket size is between $250k-$1 Mn, capped at 25% of your seed-ex round. Here is an example of how it would work:\n\n* Let’s say you are a startup which has just launched a **$1 Mn seed-ex round** and applied for the 8vdX seedex booster. After evaluating your startup, 8vdX gives a commitment of $250k representing 25% of the total seed-ex round. \n* **We will disburse the $250k** along with the $750k equity investment from other investors. _If you raise $750k in multiple tranches, we can make pro-rata disbursements_.\n* Maturity of up to 18 months or Series A closing, whichever is earlier\n\n_Assuming, the following terms have been negotiated and agreed upon by both parties:_\n\n* Interest cost: \n * cash interest of 1% per month ($2.5k) that you pay each month and\n * bonus SAFE of 5% i.e. ($125k) with the same valuation cap as the seed extension investors. \n\n_8vdX allows for flexibility in selecting a combination of cash interest and bonus SAFE._\n\n* Repayment schedule: The seedex booster will be repaid with the Series A funding. However, founders have the option to create an amortization schedule to prepay the loan or extend it upon maturity.\n\nOverall terms are founder-friendly terms as there is **no prepayment penalty, no collateral, no personal guarantees & no enforcement action.**\n\n**Please apply at** [**8vdx.com**](http://8vdx.com) **or email us at** [**zeronote@8vdx.com**](mailto:zeronote@8vdx.com)\n\n**Our aim is to help you achieve your maximum potential and successfully raise Series A funds.** How do we know this approach works? We have firsthand experience using it to drive growth and secure successful fundraises for startups. In fact, our own business model was developed through observing startups leverage our capital to accelerate their growth and secure successful fundraises.\n\nWe are thrilled to have already partnered with over 20 YC startups and look forward to supporting you as well. Join us in driving this innovative approach to fundraising!\n\n**Interested startups, please visit our digital** [**platform**](https://8vdx.com/) **to learn more and apply.** The entire process is simple, transparent, fast, and completely digitized. If you have any questions, please feel free to email us and we will be more than happy to set up a call.\n\nThanks,\n\nTeam 8vdX", "url": "https://www.ycombinator.com/launches/Hqr-8vdx-extend-your-seed-extension-with-a-seedex-booster-of-up-to-1m", "votes": 15, "created_at": "2023-01-23T16:24:03.035Z" }, { "id": 66668, "title": "Fundraising CRM for early stage startups from 8vdX", "tagline": "Enabling startups to fuel their growth through our fundraising stack and alternative sources of capital", "body": "Hi guys! **We are so excited to share our new fundraising CRM!** This is a product that is something we desperately needed, so we built it to help not only us, but the larger startup community. 🥰\n\n**The Problem:** \n\nAs we all know, fundraising can be overwhelming **😩** and hard to keep track of:\n\n* Leads can be hard to organize and schedule. \n* Following up with everyone who contacts us can be difficult!\n* Research on the caliber and reputation of VCs can be hard to gauge. Do they have a history of investing in companies like us? What are their normal check sizes? 🧐 Who is in their existing portfolio?\n\n![My Dumpster Fire Is Filled To The Brim Sarah Wayne Callies GIF - My Dumpster Fire Is Filled To The Brim Sarah Wayne Callies Robin Perry GIFs](https://media.tenor.com/lMrxlxggxXMAAAAC/my-dumpster-fire-is-filled-to-the-brim-sarah-wayne-callies.gif)\n\nWe could go on, but you get it– we’ve lived it, after all. \n\n**The Solution 😃:**\n\nOur new fundraising CRM makes organizing your raise easy by:\n\n* Keeping track of your leads, including follow ups and replies. \n* Making it easy to upload your leads and track them from initial contact to close in a single place\n * This is particularly useful for anyone who is still fundraising from the S22 batch!\n* Targeting investors with high conversion rates and larger check sizes 🤑\n* Providing a clear snapshot of where you are in your goals with our dashboard. 🥳\n\n![uploaded image](/media/?type=post&id=66668&key=user_uploads/763615/2e7f70ea-bd3f-4ae2-b052-3b4331a3af10)\n\n**We just launched and would love any and all feedback on this!** Your time is valuable, so the **first 20 startups** able to get on a zoom call with us will get a **$100 gift card to Amazon.**\n\nMuch love,\n\nThe 8vdX fam❤️", "url": "https://www.ycombinator.com/launches/HLI-fundraising-crm-for-early-stage-startups-from-8vdx", "votes": 46, "created_at": "2022-10-12T17:04:14.257Z" } ] }, { "id": 25328, "name": "Momento", "slug": "momento", "former_names": [ "momento" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/38d68fb5813f3fe9c931fd72dc47dbabdd81f6fb.png", "website": "https://www.tumomento.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "In Momento we are going through a challenging regulatory process to become a fully-licensed insurance carrier. By doing so, we will be able to underwrite risk, set prices and, ultimately, become owners of the product.\r\n\r\nOnce approved, around summer 22, we will be in a great position to size the $13bn untapped opportunity of +30 Mn uninsured vehicles – just in Mexico! As we will be able to attack the main pain points in the market: i) antiquated underwriting models and ii) payment conditions only adapted for the affluent.\r\n\r\nTo succeed, we have assembled an elite team with both innovative and experienced profiles. We are three cofounders, two ex-McKinsey and one ex-P&G, and we managed to attract two heavyweights of the Mexican insurance industry: the previous CUO of Zurich Mexico and the previous CFO and VP of Finance of ING and AXA Mexico. ", "one_liner": "Building a full-stack auto insurer for the underserved in LatAm", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1648222923, "tags": [ "Fintech", "Machine Learning", "Consumer", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/momento", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/momento.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/momento-seguros", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/momento-ef63", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/38d68fb5813f3fe9c931fd72dc47dbabdd81f6fb.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": 841461, "full_name": "Lois Rogel Vence", "title": "Founder", "founder_bio": "Lois is co-founder at Momento.\nPrior to founding Momento, Lois was Associate at McKinsey & Company, where he worked for +3 years. During his tenure at McKinsey, Lois focused on serving Financial Institutions and Private Equity funds across Europe and the US.\nLois is an alumnus of ICADE (Universidad Pontificia de Comillas) where he studied Law and Business Administration.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lois-rogel-vence-54b49090/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f31e92d12e8f07bc83693f5e45ec3273caf8d080.jpg" }, { "user_id": 860835, "full_name": "León Bartolomé Carreño", "title": "Founder", "founder_bio": "León is co-founder at Momento.\nPrior to founding Momento, León was an Associate at McKinsey & Company, where he worked for 3 years. During his tenure at McKinsey, León focused on strategy projects in insurance companies and private equity funds as well as in operations improvement projects across industries.\nLeón is an alumnus of Imperial College London where he studied Mechanical Engineering (Master's level).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/le%C3%B3n-bartolom%C3%A9-carre%C3%B1o-2097a4107", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6ae54e0e758325fd0371a5b84ba2eb5c6d3e075.jpg" }, { "user_id": 860781, "full_name": "Andrés Guerrero Álvarez", "title": "Founder", "founder_bio": "Andrés is Co-Founder at Momento. Prior to founding Momento, Andrés was e-Business Manager at P&G for 3 years, focusing con marketing and distributing FMCG products in the online channel. Andrés is an alumnus of Imperial College (BA), Warwick Business School (MA) and Carlos III University of Madrid (MA).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andres-guerrero-alvarez-116972146/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b480139630b22f91a80ee83982d82510c157f5b.jpg" } ], "jobs": [], "news": [ { "title": "Rounds of the Week: Momento Seguros Raises $10.5 Million to Begin Operations", "url": "https://www.bloomberglinea.com/english/rounds-of-the-week-momento-seguros-raises-105-million-to-begin-operations/", "date": "Aug 04, 2023" } ], "launches": [] }, { "id": 25341, "name": "Wagetap", "slug": "wagetap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "website": "https://www.wagetap.com/", "all_locations": "Sydney, NSW, Australia", "long_description": "Wagetap is a mobile app that allows users to get an advance of up to $2,000 on their next payday and pay their bills in more manageable installments. Wagetap's vision is to offer a suite of financial products to become the financial partner for everyday people.", "one_liner": "Advance next payday, and BNPL for bills", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1644461225, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Australia", "Oceania", "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/wagetap", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/wagetap.json", "year_founded": 2020, "city": "Sydney", "country": "AU", "linkedin_url": "https://www.linkedin.com/company/wagetap", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 809450, "full_name": "Mitchell Stevens", "title": "Founder", "founder_bio": "Mitchell Stevens is the cofounder and CEO of Wagetap, which he started with Declan Conlon in 2019. Previously with BCG, Mitchell also graduated from London Business School with an MBA and is a qualified lawyer and accountant.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mitchellstevens/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/68ffc1d7539076766a15612a90bf930461096bb6.jpg" }, { "user_id": 815703, "full_name": "Declan Conlon", "title": "Founder", "founder_bio": "Declan is the co-founder and CTO of Wagetap. He has built interesting things at AWS, Atlassian and Juniper Networks. Currently, he is working on bringing affordable credit to everyday Australians.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/declanconlon/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ef53b7e84b8c59a2ea5121161bd89b25b58de2b5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25346, "name": "Transfez", "slug": "transfez", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf4bb6093a727267a92cc70e9bafd5dd3bde3b1a.png", "website": "https://www.itsjack.com", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "", "one_liner": "Brex for small businesses in Indonesia ", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1647229092, "tags": [ "Fintech", "SaaS", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/transfez", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/transfez.json", "year_founded": 2020, "city": "Jakarta", "country": "ID", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf4bb6093a727267a92cc70e9bafd5dd3bde3b1a.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": 414021, "full_name": "Edo Windratno", "title": "Founder", "founder_bio": "Cofounder & CEO @Transfez ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edowindratno/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e95de30eb4923e163c94cd5f9ac7bac645e993bd.jpg" }, { "user_id": 581003, "full_name": "Bondan Herumurti", "title": "Founder", "founder_bio": "CTO of Transfez. I’ve been on tech industry from 2010, being a witness the rise of Groupon. Starting as developer on Web Technology CSS 2.0, and watch the scene moving toward mobile. Infrastructure growing from bare metal, cPanel until a modern containerization and now AI. For me it always been fascinating to become a part of tech community moving very fast from an era to another era.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bondanherumurti/", "x_url": "https://twitter.com/bondanherumurti", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74aef1dc30ea2d8a2b43ac4e54d4a32decc8cb67.jpg" } ], "jobs": [], "news": [ { "title": "Jack, the fintech platform to empower Indonesia's SMEs", "url": "https://east.vc/news/from-portfolios/jacks-financial-solutions-to-empower-indonesias-smes", "date": "Oct 11, 2023" } ], "launches": [] }, { "id": 25347, "name": "Perl Street", "slug": "perl-street", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd93730152604090f6350bbed20c2839aa07c76a.png", "website": "https://perlstreet.com/", "all_locations": "Sydney, NSW, Australia; Austin, TX, USA; Remote", "long_description": "Perl Street is democratizing structured finance through our platform, unlocking billions in financing for sustainable infrastructure and next-generation hardware technologies. \r\n\r\nPerl Street has already helped multiple hardware startups receive over $140M in debt financing offers from some of the world’s most reputable institutions.\r\n\r\nClimate change is a massive hardware problem. According to IEA estimates - reaching net zero emissions would require over $4 trillion per year in global clean energy investment. \r\n\r\nThis means we need to upgrade nearly everything with new hardware - from energy storage devices to electric vehicles, charging stations and building electrification. \r\n\r\nThe future of infrastructure is both distributed and resilient. And none of it is possible without financing new hardware.", "one_liner": "Financing the next-generation of infrastructure projects", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1643268795, "tags": [ "Climate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Australia", "United States of America", "Oceania", "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/perl-street", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/perl-street.json", "year_founded": 2019, "city": "Sydney", "country": "AU", "linkedin_url": "https://www.linkedin.com/company/perl-street/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/perl-street-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd93730152604090f6350bbed20c2839aa07c76a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 736217, "full_name": "Tooraj Arvajeh", "title": "Founder", "founder_bio": "Tooraj Arvajeh has 20+ years of experience in developing, financing, and operating $1B+ new infrastructure and climate-tech projects across the world. Tooraj has worked in senior engineering, project origination, and research roles at Arup, Hatch, and the Building Performance Lab. Tooraj holds degrees in mechanical engineering and business from the University of Waterloo, Columbia Business School, London Business School, and the University of Hong Kong.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/toorajarvajeh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8c215c0d1b26e0993bf2ae3bb61344fb496c7cd2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25348, "name": "Sei AI", "slug": "sei-ai", "former_names": [ "Arda", "Sei" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/866cec0759154ee708c6b843e16d3f00f9d773be.png", "website": "https://seiright.com/", "all_locations": "New York City, NY, USA", "long_description": "Sei is an AI platform for mortgage lenders, servicers & banks. 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We’re already working with banks & top 25 IMBs.\n\nIn 5 months, we've grown our contracted ARR 10x.\n\nOur platform is\n\n👉 3x more effective at scheduling online leads and converting to meetings\n\n👉 75% reduction in time spent by underwriting manually reviewing documents\n\n👉 Already deployed with large lenders and banks nationally\n\n**❌ The Problem**\n\nIt costs lenders $12,000 to originate a single mortgage. If you've spent any time inside a mortgage shop, the shape of the day is familiar. Loan officers chasing the same three documents from the same borrowers for the third week in a row. Underwriters re-keying data from Encompass into a checklist and clearing the same conditions a thousand times a year. Servicing reps listening to voicemails about the same hardship requests. Borrowers waiting in long queues just to make their payment or get a question answered.\n\n**Enter Sei AI**\n\nWe ship three AI agents, each purpose-built for a mortgage workflow.\n\n**1. The Pre-Underwriting Assistant** that validates income, assets, credit & collateral documents against 500+ agency guidelines, drafts conditions, & surfaces exceptions. All at the start of the process. The AI communicates with the borrower for any missing or incorrect information and runs checks again to close the loop. This reduces back-and-forth with borrowers, clear-to-close, and touchpoints by teams.\n\nImpact: One NASDAQ-listed lender reduced review time per loan from 4 hours to 45 minutes.\n\n![uploaded image](/media/?type=post&id=102608&key=user_uploads/739737/ff15143c-a467-4f38-b16b-7d77a904b864)\n\n**2. Voice AI** handles inbound and outbound calls across origination and servicing — borrower follow-ups, payment reminders, payoff and escrow questions, etc.\n\nImpact: It’s already 3x more effective at scheduling online leads and converting to meetings, with one customer complaining that “A few of our loan officers joked that their calendars are now too full and they need to block hours off. That is the kind of problem we want to have.”\n\n![uploaded image](/media/?type=post&id=102608&key=user_uploads/739737/170f9885-2602-4723-b1c5-348056679b45)\n\n**3. Call Monitoring Agent** reviews 100% of borrower calls to flag potential regulatory violations (TCPA, FDCPA, UDAAP). Uniquely, it also surfaces the pipeline that quietly walks out the door on the same calls — payoff requests where no one pitches a recapture refi, life-event signals that should trigger retention plays, cross-sell openings missed on every HELOC-curious caller, and the behavioral patterns that separate top-performing LOs from the rest of the floor.\n\nImpact: One large IMB went from 3% to 100% call monitoring, while reducing costs by 75%\n\n**🤝 Team**\n\nWe’re Pranay & Ram\n\n![uploaded image](/media/?type=post&id=102608&key=user_uploads/739737/619bde1a-b56f-46b3-957c-1e5d02d7d4d2)\n\nPranay (CEO) has deep experience in finance and real estate across companies Cloud Kitchens, PayPal, The World Bank & Deutsche Bank.\n\nRam (CTO) has deep technical experience in financial services across PayPal, Amazon & Wise. 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I love finding problems in financial systems and figuring out solutions to improve them. I am a silver medalist from IIT Bombay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adityamehta1990/", "x_url": "https://twitter.com/adityamehta1990", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/80c057674e7579990f91ae4513669d539ff9626b.jpg" }, { "user_id": 837620, "full_name": "Amal Dani", "title": "Founder", "founder_bio": "I enjoy solving problems from a data and technology perspective. Before Harmoney, I built portfolio management solutions using tech at Goldman Sachs and data-driven trading strategies at a $2 Bn hedge fund. I am a computer science grad from IIT Bombay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amal-dani-cfa-845555107/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37b2ae01604aee086382ed9a09e98a33738d072a.jpg" }, { "user_id": 593284, "full_name": "Omkar Ghaisas", "title": "Founder", "founder_bio": "After graduation, I have spent the last eight years of my career in Corporate Finance and Wealth Management. I enjoy learning about and solving financial problems. I predominantly look after business development at Harmoney.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/omkar-ghaisas/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dbe518c2016eae5b30881de5dc4d8dd1cdd88caa.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25401, "name": "Onyx Private", "slug": "onyx-private", "former_names": [ "Onyx Card" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2fbe8c7045dae33304d548585ce6f327970f8299.png", "website": "https://www.onyxprivate.com", "all_locations": "Miami, FL, USA", "long_description": "Onyx is a modern, accessible private bank for the next generation of affluent young professionals. We offer a unified digital-native premium banking and wealth management experience tailored for the overlooked groups of young high-earners and illiquid entrepreneurs, investors, and tech employees. Onyx aims to be the next-generation UBS. 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He is a MBA grad from MIT Sloan and Mechanical Engineer from USP in Brazil.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/douglasclopes/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/67d1f872727b0d9d4065271a0a7d6eeffbd9e5d7.jpg" }, { "user_id": 891323, "full_name": "Tiago Passinato", "title": "Founder", "founder_bio": "Prior to Onyx, Tiago was the Principal Architect of Airfox / banQi, helping to implement a highly scalable banking platform. 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We help our customers open a high-yield business account, get financing, manage transactions, and launch Web3 projects, all in one place. There are over 700k D2C brands and content creators in Indonesia. If we serve all of them, that is a $14b/year market opportunity.\r\n\r\nWe've raised $5.6m so far from investors like Y Combinator, Alpha JWC, Alto Partners, CreditEase, Oliver Jung and lndonesia's biggest influencer Raffi Ahmad who has over 100m followers on social. We have also raised from 6 other Y Combinator founders. 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Remote", "long_description": "Lenk empowers financial institutions in Latin America with advanced loan origination solutions.\r\n\r\nOur platform optimizes the entire loan lifecycle, from lead acquisition to disbursement, leveraging automation and AI to enhance efficiency and improve digital experiences.\r\n\r\nLenk enables institutions to streamline complex tasks, ensuring compliance and agility while boosting productivity and customer satisfaction.", "one_liner": "The next-gen lending platform for the banking system in LATAM.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1641399845, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Argentina", "Latin America", "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/lenk", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/lenk.json", "year_founded": 2021, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/lenk-tech", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/521906247661c9b6885a472a838b9b9002c0f8c4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 857632, "full_name": "Guido Galanter", "title": "Founder", "founder_bio": "Guido is co-founder and CEO of Philippo, which he launched with Nicolas and Tomas in 2021. Prior to Philippo, Guido led New Ventures at OLX (Naspers Group's main marketplace) where he launched tech transactional models from India to Latam. Guido was also involved in plenty M&As with Naspers, main was Frontier Car Group's acquisition (~$700M deal)", "is_active": true, "linkedin_url": "https://ar.linkedin.com/in/guido-galanter-61771593", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4783ac0d01b9332c42e9a3d24f71a70d85b17e6.jpg" }, { "user_id": 858187, "full_name": "Tomás Gropper", "title": "Founder", "founder_bio": "Tomás is co-founder and CTO of Philippo. He has a Systems Engineering degree and was Head of Engineering at the largest retailer in Argentina, where he built and managed high-performance engineering teams, helping scale the company's operation, especially during the pandemic quarantine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasgropper", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec2e491b1486cddecb19cce17118e7c84015e036.jpg" }, { "user_id": 858531, "full_name": "Nicolás Piqueras", "title": "Founder", "founder_bio": "Nicolás is Co-founder and CFO of Philippo, launched with Guido and Tomás in 2021. Prior to Philippo, Nicolás worked in residential Real Estate, leading corporate finance and capital markets in two of the largest home builders in Argentina. He led several transactions and became specialized in IR and fundraising. Among others, he coordinated two IPOs in NYSE as an insider, leading team efforts to reach SEC standards. Nicolás studied Economics and Finance in Universidad Torcuato Di Tella.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicol%C3%A1s-piqueras-38404226/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/83391e34a7e4eea7921b2903ddd9307f45252892.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25532, "name": "Fintelite", "slug": "fintelite", "former_names": [ "Sribuu" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab01da231dd5c6a43a0a49fe4617d17070096fd0.png", "website": "http://www.fintelite.ai", "all_locations": "Singapore, Singapore; Remote", "long_description": "Fintelite's AI streamlines loan approvals and fraud detection, ensuring swift, accurate decisions.\r\n\r\nRevolutionizing lending with AI-powered bank statement analysis and transaction data enrichment.\r\n\r\nFintelite empowers lenders with a next-generation approach to lending. Our AI platform utilizes:\r\n\r\nBank statement analysis: Gain deep insights into borrower financials through automated analysis.\r\nTransaction data enrichment: Extract valuable details from transactions for a holistic financial picture.\r\nThese capabilities enable lenders to:\r\n\r\nReduce fraud: Identify and prevent suspicious activity with superior accuracy.\r\nAccelerate approvals: Make faster, data-driven decisions with enriched information.\r\nOptimize risk management: Tailor risk assessments based on comprehensive borrower data.\r\nPassionate about building a future of responsible AI in financial services. I'm committed to helping lenders serve customers efficiently and securely.\r\n\r\n\r\nOur help to others includes:\r\n• BlubyBCA and ANZ increased efficiency by 15%\r\n• Qazwa and KoinWorks sped up loan processing 10x, cutting costs by 25%\r\n", "one_liner": "Intelligent Process Automation for Lending.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641201791, "tags": [ "Fintech", "Machine Learning", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fintelite", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/fintelite.json", "year_founded": 2021, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/sribuu", "x_url": "https://twitter.com/sribuu_id", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/sribuu", "github_url": "https://github.com/sribuu", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab01da231dd5c6a43a0a49fe4617d17070096fd0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 394839, "full_name": "Nadia Amalia", "title": "Founder", "founder_bio": "Hi!\n\nI am Nadia CEO and Co-founder of Sribuu. \n\nI have been in the personal finance space since 2016. Before building Sribuu, I created the biggest financial literacy community in Indonesia, and has taught more than millions of people in Indonesia how to manage their money better through my social media contents!\n\nI also previously worked as an investment analyst at Deutsche Bank and obtained my Master's degree in Finance from MIT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nadiaamalia/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0df0d806193986dc3c4c42c5115288fec0b1b20.jpg" }, { "user_id": 591191, "full_name": "Nadia Fadhila", "title": "Founder", "founder_bio": "I help to grow Fintelite to automate back office in finance industry. Our AI-driven back-office solutions focus on no-code OCR and rule-based automation for loan processing, underwriting, and insurance. My strength is in digital marketing, B2B lead generation, sales conversion and CRM. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nadia-fadhila-b9ba4675", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/91b53c8ef7386b0ced122ff88c51d56d9b7180d3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25559, "name": "Creizer", "slug": "creizer", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "website": "https://www.creizer.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers.\r\n\r\nMore than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region.\r\n \r\nAt Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales.\r\n \r\nWe are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.\r\n", "one_liner": "Clear.co for LATAM. Revenue based financing for online sellers.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1645548350, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "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/creizer", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/creizer.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/creizer", "x_url": "https://twitter.com/CreizerMX", "fb_url": "https://www.facebook.com/CreizerMX", "cb_url": "https://www.crunchbase.com/organization/creizer", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 428502, "full_name": "Emiliano Musalem", "title": "Founder", "founder_bio": "Emiliano is the founder and CEO of Creizer. Previously he was part of the launching team of Rappi(Doordash for Latam) in Cordoba, Argentina and Co-founder of a data analytic tool for SMEs. Passionate about how to optimize income distribution and boost developing countries' economies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emiliano-musalem-58463a135/", "x_url": "https://twitter.com/EmilianoMusalem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0a180d60c1510616d8330913b02d30f0eb2fcb6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25560, "name": "Stock Unlock", "slug": "stock-unlock", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2064f4dcf2a95d814cac2fbfbdedfcd7ef27b92.png", "website": "https://stockunlock.com/", "all_locations": "New York City, NY, USA; New York, NY, USA; Remote", "long_description": "Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros.\r\n\r\nWe are building THE place for investors to learn, grow, and invest confidently.", "one_liner": "Web-app | investment education and analysis tools for retail investors", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642088638, "tags": [ "Fintech", "SaaS", "Finance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "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/stock-unlock", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/stock-unlock.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stock-unlock/", "x_url": "https://twitter.com/stock_unlock", "fb_url": "https://www.facebook.com/StockUnlockOfficial", "cb_url": "https://www.crunchbase.com/organization/stock-unlock", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2064f4dcf2a95d814cac2fbfbdedfcd7ef27b92.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": 891299, "full_name": "Jake Ruth", "title": "Founder", "founder_bio": "Jake is a software engineer that has always had a love for solving problems (like rubik's cubes) and building things (coding!).\n\nToday Jake has a decade of experience working as a senior software engineer at companies like Oscar Health. Jake is a \"culture warrior\" and always looking to solve tough problems.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jakeruth/", "x_url": "https://twitter.com/JakeMRuth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/55e8efdb38c37ccc3404b2e056d88554025632eb.jpg" }, { "user_id": 893154, "full_name": "Daniel Pronk", "title": "Founder", "founder_bio": "Daniel Pronk is the co-founder and CFO of Stock Unlock. He is an adaptable entrepreneur who thrives on fresh challenges and personal growth. He became an entrepreneur in his youth and has started multiple businesses. Currently he owns an investing and finance YouTube channel with over 192,000 subscribers. He believes anything is achievable for those who are willing to work hard, and most importantly, believe in themselves.", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/daniel-pronk-658356133", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60ba27966a2565e762f9dbc7f9a83ce07b7b4a96.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25569, "name": "Bifrost", "slug": "bifrost", "former_names": [ "Hapi Finance", "Mysterious.IO", "Mysterious" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b47da1b763d2eab543c7295fad8d3fdfe9a6ceeb.png", "website": "https://www.hapi.finance/", "all_locations": "San Francisco, CA, USA", "long_description": "We write smart contracts that can automatically transfer assets during end-of-life events.\r\nWhen you hold your own keys to your own wallet, your funds are lost in worst-case-scenarios. We make an on-chain dead-mans-switch to help your loved ones claim your holdings.", "one_liner": "Wills and Estate Management for Crypto", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1647374552, "tags": [ "Crypto / Web3", "Finance", "Cryptography" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "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/bifrost", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/bifrost.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/0xMysterious", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b47da1b763d2eab543c7295fad8d3fdfe9a6ceeb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 311183, "full_name": "Kartik Sathappan", "title": "Founder", "founder_bio": "GP at Families Fund. Invest with SGV and Yap on Pirate Wires. Previously bifrost (yc w22), panda, neighborly, intuit, apple, hbo.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kartiksathappan/", "x_url": "https://twitter.com/sathaxe", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6650e9087fb34995388f4e904afb82097f822494.jpg" }, { "user_id": 608990, "full_name": "Samraaj Bath", "title": "Founder", "founder_bio": "CEO @ ion design.\n2x YC founder. ex CTO, PM, design team manager, full stack engineer. \nobsessed w/ making it easier to build beautiful products.\n\nI previously founded an ice cream company, bootstrapped a birthday wishing app, danced professionally, and rebuilt a 1981 motorcycle.", "is_active": false, "linkedin_url": "https://linkedin.com/in/samraajbath", "x_url": "https://twitter.com/samraaj", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9082d26518ac83af8a93212228a3de1b2b71bcad.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25584, "name": "SnapTrade", "slug": "snaptrade", "former_names": [ "Passiv" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b0254a9a5db6150bdd38c4f4f6c5e4e98ac8c8e.png", "website": "https://snaptrade.com/", "all_locations": "Fredericton, NB, Canada", "long_description": "SnapTrade is an API to connect retail brokerage accounts to any fintech app. We enable API access to real-time account data, historical transactions, and trading. This makes it possible to build new investing experiences with existing brokerage accounts, so users don't need to transfer and it's easier to get started.", "one_liner": "Plaid for trading", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643916978, "tags": [ "Developer Tools", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/snaptrade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/snaptrade.json", "year_founded": 2017, "city": "Fredericton", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/snaptrade", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b0254a9a5db6150bdd38c4f4f6c5e4e98ac8c8e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 211401, "full_name": "Brendan Lee Young", "title": "Founder", "founder_bio": "I'm originally from Trinidad and Tobago but I live in Canada (for now). In a past life I was a DJ and party promoter. Be careful what you say around me because I just might turn what you've said into a song and maybe a dance. Don't believe me? Just ask my wife :) \nFinally, I love helping people and finding win-win solutions. As an entrepreneur, my goal is to build something people want and love. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brendanleeyoung/", "x_url": "https://twitter.com/BrendanLeeYoung", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/765a7dbacd89c31931f915952366f0e09fe09a8b.jpg" }, { "user_id": 204386, "full_name": "Brendan Wood", "title": "Founder", "founder_bio": "I'm a robotics engineer that specializes in software and high-performance computing. I'm a father of three from New Brunswick, Canada, and my favorite thing to do is drift down lazy rivers in a canoe.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brendancalebwood/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a66306bf56909313706f0ef8c35a5604674db3e.jpg" } ], "jobs": [], "news": [ { "title": "Passiv Joins Y Combinator Accelerator Cohort - Huddle.Today", "url": "https://huddle.today/2022/02/07/passiv-joins-american-startup-accelerator-cohort/", "date": "Feb 07, 2022" } ], "launches": [] }, { "id": 25585, "name": "Armilla AI", "slug": "armilla-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0397658ae6c0ba5a9499d3b6844bdb898f09c38.png", "website": "http://www.armilla.ai", "all_locations": "Toronto, ON, Canada", "long_description": "Armilla AI (YC W22) is the first YC-backed MGA and Lloyd's Coverholder dedicated to insuring AI-related risks. Armilla's insurance policies cover developers and deployers of generative AI and AI agents for performance and liability -- from errors and hallucinations, to incorrect decisions, data leakage, regulatory violations and more.", "one_liner": "Liability insurance for generative AI and AI Agents ", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1642131883, "tags": [ "Generative AI", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/armilla-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/armilla-ai.json", "year_founded": 2020, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/armilla-ai/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/armilla-ai", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0397658ae6c0ba5a9499d3b6844bdb898f09c38.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 613937, "full_name": "Karthik Ramakrishnan", "title": "Founder", "founder_bio": "Karthik is the President and Chief Business Officer for Armilla AI. He previously led go-to-market teams at Element AI as VP. He led the AI solutions and strategy for financial institutions and regulators globally. Previously he co-founded Blu Trumpet (CTO) and Gallop Labs (CEO). At Deloitte, he helped set up the global product factory and AI offerings. He has authored and published one of the widely cited whitepapers on Fairness evaluation of AI models and AI Enterprise strategy.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karthikramki/", "x_url": "https://twitter.com/_kramki", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a9f1f5d2faa4374576b3170953480a0a19f8de0f.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator and Yoshua Bengio-backed Armilla AI secures $6 million CAD in new funding | BetaKit", "url": "https://betakit.com/y-combinator-and-yoshua-bengio-backed-armilla-ai-secures-6-million-cad-in-new-funding/", "date": "Feb 21, 2024" }, { "title": "Armilla wants to give companies a warranty for AI", "url": "https://techcrunch.com/2024/02/15/armilla-wants-to-give-companies-a-warranty-for-ai/", "date": "Feb 15, 2024" }, { "title": "Armilla offers verification and warranties for enterprises using AI models   | VentureBeat", "url": "https://venturebeat.com/ai/armilla-offers-verification-and-warranties-for-enterprises-using-ai-models/", "date": "Oct 03, 2023" }, { "title": "Is Your AI Model Going Off the Rails? There May Be an Insurance Policy for That - WSJ", "url": "https://www.wsj.com/articles/is-your-ai-model-going-off-the-rails-there-may-be-an-insurance-policy-for-that-adf012d7", "date": "Oct 02, 2023" } ], "launches": [] }, { "id": 25586, "name": "Soon", "slug": "soon", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a99a7aeaa35a5697746a00619ab31de16eaa1ada.png", "website": "https://Soon.app", "all_locations": "Salt Lake City, UT, USA; Remote", "long_description": "With Soon you can invest without the stress of speculating. Our fully automated sweep account attaches to your bank and uses routine spending activity to signal market trades.\r\nBy investing on a schedule and selling available gains when you spend, Soon automates investing from beginning to end. No investing experience required, no need to time the market, just connect Soon to your spending account and build wealth.", "one_liner": "Automated sweep account, invest without the stress of speculating", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1645638140, "tags": [ "Fintech", "Crypto / Web3", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "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/soon", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/soon.json", "year_founded": 2017, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://linkedin.com/company/soonfinance", "x_url": "https://twitter.com/soonfinance", "fb_url": "https://facebook.com/soonfintech", "cb_url": "https://www.crunchbase.com/organization/soonapp", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a99a7aeaa35a5697746a00619ab31de16eaa1ada.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 868894, "full_name": "Michael Shattuck", "title": "Founder", "founder_bio": "Mike is a seasoned technology leader, innovator, and artist. As an ardent follower and practitioner of human-centered development, he has focused on building reliable, scalable software through test-driven development and iterative design. He has led several development teams and programs throughout his career.\n\nHaving worked as a software engineer for over a decade, Mike has extensive experience with large-scale architecture, machine learning, enterprise systems, and leadership.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mikeshattuck/", "x_url": "https://twitter.com/shattuckio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/401ee639df92f355c3457acd635ccce3f7221d3e.jpg" } ], "jobs": [], "news": [ { "title": "Soon wants to put your sleepy cash to work in high-powered short-term investments - Utah Business", "url": "https://www.utahbusiness.com/soon-wants-to-put-your-sleepy-cash-to-work-in-high-powered-short-term-investments/", "date": "Apr 15, 2022" }, { "title": "Check Out the 28 Crypto Startups in Y Combinator's Latest Batch", "url": "https://www.businessinsider.com/check-out-the-28-crypto-startups-y-combinator-latest-batch-2022-3", "date": "Apr 04, 2022" }, { "title": "Soon drives Y Combinator launch day with cash flow plan - LendIt Fintech News", "url": "https://www.lendacademy.com/soon-drives-y-combinator-launch-day-with-cash-flow-plan/", "date": "Mar 31, 2022" }, { "title": "The 26 crypto startups that Y Combinator is backing in its W22 batch – TechCrunch", "url": "https://techcrunch.com/2022/03/29/the-25-crypto-startups-that-y-combinator-is-backing-in-its-w22-batch/", "date": "Mar 29, 2022" }, { "title": "How Fintech Soon Lets You Protect Your Cash Flow And Better Spend Investment Gains | Benzinga", "url": "https://www.benzinga.com/fintech/22/02/25858787/how-fintech-soon-lets-you-protect-your-cash-flow-and-better-spend-investment-gains", "date": "Mar 01, 2022" } ], "launches": [] }, { "id": 25593, "name": "Cardda", "slug": "cardda", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/64a0a5dd4f5579a046ac96d45ad1b947731896cf.png", "website": "https://cardda.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico", "long_description": "All-in-one spend management for businesses in Latam.\r\nWe give customers tools for bill payments, automated local transfers and corporate cards.", "one_liner": "All-in-one spend management for businesses in Latam", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644575523, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Chile", "Mexico", "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/cardda", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/cardda.json", "year_founded": 2020, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/cardda/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cardda", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/64a0a5dd4f5579a046ac96d45ad1b947731896cf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 285661, "full_name": "Cristóbal Grinbergs", "title": "Founder", "founder_bio": "Cardda CEO and cofounder, the all-in-one spend management for business in Latam. Before, I built Rentz, a marketplace to rent heavy equipment that reached breakeven and worked at IBM and Procter and Gamble. Born in Chile 🇨🇱", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cgrinbergs", "x_url": "https://twitter.com/cgrinbergs", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9376e353ab9c023b45929f0926d27351a3b12778.jpg" }, { "user_id": 268775, "full_name": "Sebastián Hernández", "title": "Founder", "founder_bio": "Cofounder & CTO @ Cardda. The all-in-one spending management platform for business in Latam. Built Rentz, a marketplace for heavy machinery rental before pivoting to Cardda during the pandemic. Made in Chile.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sebastián-hernández-cardda/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ff73beaac09f8d96876eb5d3b16f972d5b74334d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65557, "title": "Cardda 💵 ⚡️ - Business payments simplified in Latam", "tagline": "Meet Cardda, the simplest way for Latam companies to make their payments", "body": "**TL;DR** We're building [Cardda](https://cardda.com?utm_source=yc&utm_medium=post&utm_campaign=launchyc&utm_id=launchyc&utm_content=1), the simplest way for Latam companies to make their payments. We give corporate credit cards, tools for bill payments and automated local transfers.\n\n> Hi everyone! 👋 We are Sebastián and Cristóbal, and would love to tell you about [Cardda](https://cardda.com?utm_source=yc&utm_medium=post&utm_campaign=launchyc&utm_id=launchyc&utm_content=2).\n>\n> # **Problem**\n\n---\n\n---\n\n1. Businesses are wasting a lot of time paying other businesses, it's common to hear questions like: who approved this invoice?, who initiated this payment?, should we pay the supplier this week or next week?\n2. Employee expenses and reimbursements: receipts lost, reconciliation time consuming, visibility on payments weeks after purchases made, no control over what employees can pay and no budgets\n3. Corporate cards are slow to obtain, have poor spending controls and transactions aren't incorporated with company's accounting systems\n\n---\n\n# **Solution**\n\nWe enable companies to **initiate, track and reconcile every payment** they make to other businesses, using the local payments methods accepted by business and showing all the accounts payable in real time through direct integration with each country's invoice system.\n\nAPI and dashboard to **automate mass local payouts.**\n\n![uploaded image](/media/?type=post&id=65557&key=user_uploads/285661/4980c335-7df2-4626-9cd5-20d989706c8b)\n\n**Unlimited physical and virtual corporate credit cards** with granular controls to pay for their expenses, real time visibility in each purchase, set spending controls and option to block merchants.\n\n![uploaded image](/media/?type=post&id=65557&key=user_uploads/285661/0f9e9a56-0656-46dc-87bd-8f89d9cbdc04)\n\n---\n\n# **Ask 🤝**\n\n* If you are wasting time paying your bills, making reimbursements or your corporate cards aren't great, please reach out to us, would be thrilled to help!\n* Intros to companies in any vertical in Latam that are making more than 50 monthly payments\n* Follow us [here](https://cl.linkedin.com/company/cardda)\n\n---\n\n**We would love to talk to you! 🤩, please** [**click here**](https://calendly.com/cardda/15-yc) **for a 15 min chat or reach us at** [**founders@cardda.com**](mailto:founders@cardda.com)", "url": "https://www.ycombinator.com/launches/H3N-cardda-business-payments-simplified-in-latam", "votes": 36, "created_at": "2022-08-22T22:50:50.141Z" } ] }, { "id": 25613, "name": "Gauss", "slug": "gauss", "former_names": [ "Placid Money", "Gauss Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/47cb34b7397c027f788b4eed1a3ea9abfcb1c1df.png", "website": "https://gauss.money", "all_locations": "New York City, NY, USA", "long_description": "Gauss is building an AI credit agent that automatically lowers the cost of consumers’ debt.\r\n\r\nThe product connects to a user’s credit profile, continuously monitors balances and available offers, and executes refinances or restructurings when it can materially improve terms.\r\n\r\nFor credit card debt, Gauss can track and automatically pay off any expensive balance on connected cards from an instantly originated line of credit, saving users thousands of dollars on interest charges and helping them pay off faster.", "one_liner": "AI agent that helps consumers lower the cost of debt automatically", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1646153163, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "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/gauss", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/gauss.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/47cb34b7397c027f788b4eed1a3ea9abfcb1c1df.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 370136, "full_name": "Alex Matsenov", "title": "Founder", "founder_bio": "Alex is the co-founder and CEO of Gauss Money. Alex led credit at Nordea Bank and MDM Bank. He's a 3x founder, 2x YC. Alex has an advance degree in machine learning, was a late stage venture investor in the machine learning space, and is a huge fan of fundamental physics and artificial intelligence research.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexmatsenov/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/75cb843aee43b31440986384282b3409aa4b15b2.jpg" }, { "user_id": 593870, "full_name": "Abdullo Akhadov", "title": "Founder", "founder_bio": "Abdullo is the co-founder and COO of Gauss. He has a 17+ years management tenure in credit risk, compliance, operations, and technology with the largest financial institutions in Europe and the Asia Pacific (JPK, ASEAN, ANZ, Greater China).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abdulloakhadov/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f6b984ac73e173dde368a0b4213e81048f68649.jpg" } ], "jobs": [ { "id": 112580, "title": "Growth Marketing Lead for a consumer fintech", "url": "https://www.ycombinator.com/companies/gauss/jobs/HzUwVAi-growth-marketing-lead-for-a-consumer-fintech", "location": "Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$80K - $180K", "equity_range": "0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 25615, "name": "BharatX", "slug": "bharatx", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "website": "https://bharatx.tech/", "all_locations": "Bengaluru, KA, India", "long_description": "BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users.\r\n\r\nBharatX enabled \"Pay in 3\" and \"Pay in X\" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. \r\n\r\nWe started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users. ", "one_liner": "Enable Buy-Now-Pay-Later in a White-Labelled Manner", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1647453047, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bharatx", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/bharatx.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/bharatx/", "x_url": "https://twitter.com/BharatX_IN", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bharatx", "github_url": "https://github.com/bharatx-in", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 311936, "full_name": "Mehul Jindal", "title": "Founder/CEO", "founder_bio": "Started BharatX @ 19 enabling 500+ Millions of Indians to access Credit without any Credit Score, Documentation or paying high interests (in majority cases it was Zero APR). \n\nScaled 47X from $50K to $2.5M ARR in under 18 months, with less than 15 people, becoming cashflow +ve, disbursing $100K+ daily. Got Killed by Regulations in an hour, Sold the Tech & Biz to Flipkart - India's largest Startup, powering their Checkout Financing Stack & their Fintech Arm's BNPL biz. \n\nBuilding again. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mehuljindal18/", "x_url": "https://twitter.com/mehuljindal18", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6e9b16027b28864754381fcd8245ec8e795a484d.jpg" }, { "user_id": 867815, "full_name": "Shyam Murugan", "title": "Founder", "founder_bio": "1. LoL\n2. Anime\n3. Development\n\nThat's how I would describe myself. The ordering may or may not be important :D", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/shyam-murugan/", "x_url": "https://twitter.com/_shyam_king_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b55b3d6344787af7d00251938bbbe23dffc55bd.jpg" }, { "user_id": 564549, "full_name": "Eeshan Sharma", "title": "Founder", "founder_bio": "A good listener… always up for quick ideation or discussion over coffee ☕️ ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sharma-eeshan/", "x_url": "https://mobile.twitter.com/eeshansharma19", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9793f30a7c2038aa3568d90b213400a9457b1926.jpg" }, { "user_id": 598079, "full_name": "Siddharth Venu", "title": "Founder", "founder_bio": "I love building tech and watching anime.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sidvenu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5069ea29a1b52f04a106783f3120e9f0c0d0ab8e.jpg" } ], "jobs": [], "news": [ { "title": "Uphill Battle: Navigating the Complexities of Diabetes Management - The Economic Times", "url": "https://economictimes.indiatimes.com/industry/healthcare/biotech/healthcare/uphill-battle-navigating-the-complexities-of-diabetes-management/articleshow/110177970.cms", "date": "May 29, 2024" }, { "title": "BharatX Is Helping Businesses Provide Credit Through ‘30 Lines Of Codes’", "url": "https://inc42.com/startups/how-bharatx-is-helping-businesses-provide-quick-credit-through-30-lines-of-codes/", "date": "Jul 20, 2022" }, { "title": "BharatX Bags $4.5 Mn To Help Companies Launch Credit Products", "url": "https://inc42.com/buzz/exclusive-fintech-bharatx-bags-5-mn-from-y-combinator-to-help-consumer-companies-launch-credit-products/", "date": "May 11, 2022" }, { "title": "Lightspeed selects BharatX for Extreme Entrepreneur program - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/startups/lightspeed-selects-17-startups-for-its-extreme-entrepreneurs-program/articleshow/80269742.cms", "date": "Feb 25, 2022" }, { "title": "NIT Tiruchy students’ BharatX comes under Forbes’ radar- The New Indian Express", "url": "https://www.newindianexpress.com/cities/chennai/2022/feb/19/nit-tiruchy-students-bharatx-comes-under-forbes-radar-2421120.html", "date": "Feb 25, 2022" } ], "launches": [] }, { "id": 25620, "name": "Magna", "slug": "magna", "former_names": [ "Maple" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d439fe7ad80a3abb806e8faf064081db9c56a21.png", "website": "https://magna.so", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Magna is building a platform to turn DeFi investments into financial primitives. Our first product is Carta for Web3, where companies can manage their cap tables and distribute their token equity to employees, advisors, or investors. We’re also building investor infrastructure for institutions to custody investments with on-chain execution and intelligence. Our ultimate goal is to use locked tokens as composable building blocks to power collateralized lending, liquid secondary markets, and other DeFi applications.\r\n\r\nLaunching a token? Let's chat. Are you receiving tokens from your investments? We can also be helpful.\r\n\r\n\r\nWhat are our companies saying about the problem?\r\n\r\n> Having it all bundled together would make life easier. We have a million things to do. If you have an off-the-shelf thing, we’d use it.\r\n> This wouldn’t be a nice to have, it’d be a have to have.\r\n> Terrible process. We’re manually sending out transactions, going to solscan and manually check that they received our token. Takes hours every week.\r\n> Everything we do is potentially very dangerous. We have to check it thoroughly. I’ve spent several hours a day on this since launch. I imagine every month, it’ll take us at least 1-2 days.\r\n> Manual process every month for the ops team. They likely burn a week.... every month to pay out 150+ addresses.", "one_liner": "Carta for Web3: token vesting and DeFi investment management. ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647924997, "tags": [ "DeFi", "DAO" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "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/magna", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/magna.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/magnatokens", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d439fe7ad80a3abb806e8faf064081db9c56a21.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 142616, "full_name": "Bruno Faviero", "title": "Founder", "founder_bio": "- PM of Palantir's AI Platform. \n- Founder of Synapse Technology - AI to automate airport security (Acquired by Palantir in 2020). \n- Angel and VC investor in over 50 companies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/faviero", "x_url": "https://twitter.com/bfaviero", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f072beb33954a4c746c913a5e57fd860ad2d6e08.jpg" }, { "user_id": 896770, "full_name": "Arun Kirubarajan", "title": "Founder", "founder_bio": "- Quant trading at Millennium\n- Early employee at Vise\n- Published NLP/ML researcher and CS lecturer at UPenn", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/arunkirubarajan/", "x_url": "https://twitter.com/arundotai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/09c0e78c14f7f23362c3b8a69a2cc4d0a2e91bf3.jpg" } ], "jobs": [], "news": [ { "title": "Token Management Platform Magna Raises $15M Seed Round at $70M Valuation", "url": "https://www.coindesk.com/business/2022/09/15/token-management-platform-magna-raises-15m-seed-round-at-70m-valuation/", "date": "Sep 15, 2022" } ], "launches": [] }, { "id": 25649, "name": "Stairs Financial", "slug": "stairs-financial", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/947c12dfe7364c0cdc976248bb2744519c5003b7.png", "website": "https://stairsfinancial.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Stairs helps young Americans buy their first home. Our home search identifies homes based on their finances, and connects them to government grants, loans and tax breaks.", "one_liner": "Find a home you can actually afford", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1646980929, "tags": [ "Fintech", "GovTech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "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/stairs-financial", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/stairs-financial.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stairs-financial", "x_url": "https://twitter.com/stairsfi", "fb_url": "https://www.facebook.com/StairsFi/", "cb_url": "https://www.crunchbase.com/organization/stairs-financial", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/947c12dfe7364c0cdc976248bb2744519c5003b7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 165799, "full_name": "Malcolm-Wiley Floyd", "title": "Founder", "founder_bio": "CEO and Cofounder at Stairs Financial (W22)\n2x Founder, ex: McKinsey, Catalant and B12\nNew York Forever", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mwfloyd/", "x_url": "https://twitter.com/mwfloyd", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ff0f9f5c6eb822f866690ffceb8f292233790ce5.jpg" }, { "user_id": 601327, "full_name": "Scott Fritz", "title": "Founder", "founder_bio": "CTO and Cofounder at Stairs Financial (W22)\nex: Wealthfront, Apex, PEAK6, Harvard CS/Football\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/scott-fritz-396a8120/", "x_url": "https://twitter.com/scottfritz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19d4e167460ac9f27a667cef5f57627f919a6b13.jpg" } ], "jobs": [], "news": [ { "title": "Keeping The American Dream Alive With Startup Stairs Financial", "url": "https://www.forbes.com/sites/davidprosser/2023/12/14/keeping-the-american-dream-alive-with-texas-startup-stairs-financial/", "date": "Dec 14, 2023" } ], "launches": [] }, { "id": 25652, "name": "SALT", "slug": "salt", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6dab9350cc5e586235091913992c3fbaa5770f3e.png", "website": "https://salt.pe", "all_locations": "Bengaluru, KA, India", "long_description": "Salt is a neo banking solution stitched together to ease payments and documentation which comes with business banking by moving it to a digital-first and automated end to end platform.", "one_liner": "B2B Cross-Border Payment & Compliance Platform", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644218157, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/salt", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/salt.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/saltpe/", "x_url": "https://twitter.com/saltpe_", "fb_url": "https://www.facebook.com/saltpebank", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6dab9350cc5e586235091913992c3fbaa5770f3e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 713590, "full_name": "Ankit Parasher", "title": "Founder", "founder_bio": "Graduated from IIT Kharagpur and holds a bachelor’s degree in Electronics Engineering and further pursued a Bachelor of Laws. \nPreviously co-founded LetsTransport. This techno logistics platform has raised over 35m USD in the past. He has been recognized by both Forbes Asia & India 30 under 30", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ankitparasher", "x_url": "https://twitter.com/AnkitParasher", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0a18e80f974d4d235be39c90a095d80670330b44.jpg" }, { "user_id": 306322, "full_name": "Udita Pal", "title": "Founder", "founder_bio": "Dynamic co-founder with 3+ years of experience in fintech, product development, growth, and brand strategy. Y Combinator W22 alum and Forbes 30 Under 30 honoree with a proven track record of scaling early-stage companies, raising $2M+ in venture funding, and driving 20%+ early MoM growth with 98% retention. Skilled in leading cross-functional teams, building high-performing organisations, and executing data-driven GTM and engagement strategies. Built a personal audience of 200,000+ across social", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/uditapal/", "x_url": "https://twitter.com/i_Udita", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/847f24e8831060ab612b06646b32f94297da1fdb.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25655, "name": "Anfin", "slug": "anfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/71de9f890b7d76a3b3372220d2a6dac105772772.png", "website": "https://anfin.vn/", "all_locations": "Ho Chi Minh City, Ho Chi Minh City, Vietnam; Ho Chi Minh City, Vietnam", "long_description": "Anfin is a modern trading platform that aims to democratize access to financial services and wealth management for Vietnam’s retail investors.\r\n\r\nOur mission is to help the underserved retail investor navigate the complexities of investments in Vietnam, from stock market to the underutilized commodity trading.\r\n\r\nWe are backed by international renowned investors such as YC, Goodwater Capital, Global Founders Capital, and many more.", "one_liner": "A multi-asset trading platform dedicated to retail investors", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1638749889, "tags": [ "Fintech", "Consumer", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Vietnam", "Southeast Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/anfin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/anfin.json", "year_founded": 2021, "city": "Ho Chi Minh City", "country": "VN", "linkedin_url": "https://www.linkedin.com/company/anfin-vn/mycompany/", "x_url": "", "fb_url": "https://www.facebook.com/anfin.vn/", "cb_url": "https://www.crunchbase.com/organization/anfin", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/71de9f890b7d76a3b3372220d2a6dac105772772.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 816970, "full_name": "Phuoc Tran", "title": "Founder", "founder_bio": "Phuoc Tran is the co-founder & CEO of Anfin, a modern trading and wealth management products for Vietnam's investors. Previously, he co-founded VRED. VRED onboarded sales agents in rural Vietnam to distribute e-commerce and financial products. VRED boasted 500,000+ sales agent, and it distributes $36M GTV monthly. Moreover, Phuoc co-founded Ahamove, one of the leading on-demand delivery platforms in Vietnam. During his tenure, Ahamove was conducting 20,000+ deliveries/day", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/phuoc-tran-b9979611/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d774ac865ab5ef45dfce50f9476247938d42218c.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator leads Vietnam fintech startup’s $4.8m round", "url": "https://www.techinasia.com/vietnam-fintech-anfin-raised-48m-led-combinator", "date": "Jun 23, 2022" }, { "title": "Vietnam-based Anfin makes stock investing accessible – TechCrunch", "url": "https://techcrunch.com/2022/06/21/vietnam-based-anfin-makes-stock-investing-accessible/", "date": "Jun 21, 2022" } ], "launches": [] }, { "id": 25658, "name": "Plumter", "slug": "plumter", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26e6bf80a0ca988ecbea293df344afa4d50189f7.png", "website": "https://plumter.com", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "We're providing a global platform for cross-border trade between importers and exporters. Leveraging powerful multi currency and stablecoin infrastructure, multilingual invoicing powered by AI, and deeply embedded apps that feel natural to traders around the world, we are making cross border trade as easy as texting.", "one_liner": "Financial tools for cross-border trade", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1647032280, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "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/plumter", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/plumter.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/plumter", "x_url": "https://twitter.com/PlumterHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/26e6bf80a0ca988ecbea293df344afa4d50189f7.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": 800022, "full_name": "Yinka Elujoba", "title": "Founder", "founder_bio": "I just want to do my work and leave.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yinka-elujoba", "x_url": "https://twitter.com/yinkaElujoba", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cdb181b571b40717512132806a8668e4f1d5f99f.jpg" }, { "user_id": 181860, "full_name": "Eni Joshua", "title": "Founder", "founder_bio": "Iterating...", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/enijoshua/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/65181e3e150cfda7320bbeb610aab282831a171a.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25660, "name": "PayCaddy", "slug": "paycaddy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c685fd670d0a729f3179d1688c8e32e5908da426.png", "website": "https://paycaddy.com/", "all_locations": "Panama City, Panama, Panama", "long_description": "PayCaddy enables Latam companies to launch financial products with an API based platform. Rather than building fintech from scratch, or dealing with a legacy bank, companies can use PayCaddy to open digital wallets with KYC checks, automate online payments, and issue personalized debit and prepaid cards for customers or employees. 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My experience comes from working in electronic payments since 2016, by helping mid and large sized companies handle cross border payments. Currently on a mission to make fintech accesible in Latam for any company looking to embed financial services. 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I have always been in Financial Corporate area, working in JPMorgan as well.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucrecia-porta", "x_url": "https://twitter.com/lucreporta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4694b760a30c9180a57c7bdb336241c70c2b9ce0.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25670, "name": "Eazipay Inc.", "slug": "eazipay-inc", "former_names": [ "Myeazipay Technology Services Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6d38a5e03130b41b7c1ced5d2b0e7c87a4c691.png", "website": "https://myeazipay.com", "all_locations": "Lagos, LA, Nigeria", "long_description": "Eazipay is Africa’s leading payroll and payment automation platform, making it easy for businesses to pay their teams accurately, on time, and with minimal effort. 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At AmplifyPay, he led sales strategies, acquiring significant banking clients, laying the groundwork for Curacel.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henrymascot", "x_url": "https://twitter.com/iamhenrymascot", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/29399af08c115351b743f68417bf16b0dfce6cf2.jpg" }, { "user_id": 570698, "full_name": "John Flash Dada", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/john-dada-16235b57/", "x_url": "https://twitter.com/DrFlash360", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e847cfe04ce09c75e73b67f980c64355fddf2736.jpg" } ], "jobs": [ { "id": 91494, "title": "Enterprise Account Executive - New (AI Pilled)", "url": "https://www.ycombinator.com/companies/curacel/jobs/rHtYUl8-enterprise-account-executive-new-ai-pilled", "location": "Lagos, LA, NG / Lagos, Lagos, NG / Nairobi County, KE / Cairo, Cairo Governorate, EG / Casablanca, Casablanca-Settat, MA / Cape Town, WC, ZA / Cape Town, Western Cape, ZA / Remote (Lagos, LA, NG; Lagos, Lagos, NG; Nairobi County, KE; Cairo, Cairo Governorate, EG; Casablanca, Casablanca-Settat, MA; Cape Town, WC, ZA; Cape Town, Western Cape, ZA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$12K", "equity_range": "0.05% - 0.50%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107825, "title": "Enterprise Account Executive - New (AI Pilled)", "url": "https://www.ycombinator.com/companies/curacel/jobs/1FPUusI-enterprise-account-executive-new-ai-pilled", "location": "Lagos, LA, NG / Lagos, Lagos, NG / Nairobi County, KE / Cairo, Cairo Governorate, EG / Casablanca, Casablanca-Settat, MA / Cape Town, WC, ZA / Cape Town, Western Cape, ZA / Remote (Lagos, LA, NG; Lagos, Lagos, NG; Nairobi County, KE; Cairo, Cairo Governorate, EG; Casablanca, Casablanca-Settat, MA; Cape Town, WC, ZA; Cape Town, Western Cape, ZA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$1.5K - $2K / monthly", "equity_range": "0.05% - 0.50%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Nigeria’s Curacel raises funding to power insurance offerings and expand into North Africa • TechCrunch", "url": "https://techcrunch.com/2023/02/14/nigerias-curacel-raises-funding-to-power-insurance-offerings-and-expand-into-north-africa/", "date": "Feb 14, 2023" }, { "title": "Backed by Y Combinator and Kepple Africa Ventures, Nigerian insurtech startup Curacel unveils new product to support the distribution of insurance to Africans | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/backed-by-y-combinator-and-kepple-africa-ventures-nigerian-insurtech-startup-curacel/qj7tzhm", "date": "Mar 11, 2022" }, { "title": "YC-backed Curacel unveils new API platform that enables tech-led businesses to offer insurance – TechCrunch", "url": "https://techcrunch.com/2022/03/10/yc-backed-curacel-unveils-new-api-platform-that-enables-tech-led-businesses-to-offer-insurance/", "date": "Mar 10, 2022" } ], "launches": [ { "id": 64527, "title": "Curacel Grow - Seamlessly add Insurance to your product", "tagline": "We help companies increase recurring revenues by offering digital, embedded insurance products to their customers", "body": "Hey there!\n\nHenry and Flash from [Curacel](https://www.ycombinator.com/companies/curacel) here, introducing **Curacel Grow** to you!\n\n**The Problem**\n\nTech-enabled companies want to offer insurance - to create additional value and build loyalty with their customers. They also see this as a secondary source of revenue.\n\nHowever, the process of making that happen today is extremely complex because the insurers don’t have the tools to make this happen seamlessly.\n\n**How does Curacel Grow solve this problem?** \n\nCuracel Grow  provides APIs and tools that enables anyone easily embed insurance products within other digital experiences. \n\nWith our API, any company can add any type of insurance to their product. Our API enables any digital business to display a real time insurance quote on their product, and their customers can complete a purchase without leaving the app.\n\n![uploaded image](/media/?type=post&id=64527&key=user_uploads/123045/08c0bda0-c628-45c6-ba1e-42b4fba6bde9)\n\n**Curacel Grow lets you:** \n\n* Increase Customer Lifetime Value\n* Increase Customer Loyalty\n* Increase Customer Retention\n\n**We’d love to hear from you!**\n\nWant to embed insurance quickly into your product? Book some time with us for a [demo.](https://www.curacel.ai/)\n\nFor any other questions or enquiries, feel free to send us an email at: [**grow@curacel.ai**](mailto:grow@curacel.ai)", "url": "https://www.ycombinator.com/launches/Gml-curacel-grow-seamlessly-add-insurance-to-your-product", "votes": 13, "created_at": "2022-07-11T22:52:50.635Z" } ] }, { "id": 25685, "name": "Boya", "slug": "boya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd660e44ef0d74bea007a7a875e98a17aab35613.png", "website": "https://boyahq.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Boya Makes it easy for businesses in Africa to issue corporate expense cards instantly and great software to control and track spending. 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I hope to build a company that long outlives me.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/farooqtirmizi/", "x_url": "https://twitter.com/FarooqTirmizi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/112ef408a78942b7dc2fd199bfd15aaa37f20e91.jpg" }, { "user_id": 520551, "full_name": "Uzair Mahmud", "title": "Founder", "founder_bio": "Tinkerer", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/uzair-mahmud/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa303dcd3a028e264411a8719c35cfa0af81306f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25713, "name": "Grey", "slug": "grey", "former_names": [ "Aboki Africa", "Grey", "Grey (formerly Aboki Africa)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.png", "website": "https://grey.co", "all_locations": "San Francisco, CA, USA; LA, Nigeria; Remote", "long_description": "Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.\r\n\r\n\r\n", "one_liner": "Banking services for remote workers and digital nomads", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644319662, "tags": [ "Fintech", "Consumer", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Nigeria", "America / Canada", "Africa", "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/grey", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/grey.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/greyfinance", "x_url": "https://twitter.com/greyfinance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.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": 556140, "full_name": "Idorenyin Obong", "title": "Founder", "founder_bio": "CEO at Grey. Ex Paystack", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kingidee/", "x_url": "https://www.twitter.com/kingidee", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dddac2c54af505551ba3d8e813c9d14fa719ccbb.jpg" } ], "jobs": [], "news": [ { "title": "Nigeria’s Grey is helping users exchange local currency and access foreign currencies - Disrupt Africa", "url": "https://disrupt-africa.com/2023/06/02/nigerias-grey-is-helping-users-exchange-local-currency-and-access-foreign-currencies/", "date": "Jun 01, 2023" }, { "title": "Nigerian fintech startup Grey picks Kenya as its East African hub - Disrupt Africa", "url": "https://disrupt-africa.com/2023/05/18/nigerian-fintech-startup-grey-picks-kenya-as-its-east-african-hub/", "date": "May 17, 2023" }, { "title": "Grey, a FinTech company based in Africa, has successfully completed a $2 million seed round. - Tech In Africa", "url": "https://www.techinafrica.com/grey-a-fintech-company-based-in-africa-has-successfully-completed-a-2-million-seed-round/", "date": "Sep 01, 2022" }, { "title": "Nigeria’s Grey raises $2M for cross-border payments play and regional expansion – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerias-grey-raises-2m-for-cross-border-payments-play-and-regional-expansion/", "date": "Aug 29, 2022" }, { "title": "Nigerian fintech Grey gets backing from Y Combinator – TechCrunch", "url": "https://techcrunch.com/2022/02/08/nigerian-fintech-grey-finance-gets-backing-from-y-combinator/", "date": "Feb 08, 2022" } ], "launches": [ { "id": 82277, "title": "Grey - US banking services for remote workers, freelancers, nomads, and creators in emerging markets", "tagline": "Now available in LatAm and SEA 🚀", "body": "![uploaded image](/media/?type=post&id=82277&key=user_uploads/556140/a5ad7448-63b6-42a8-934d-3a149c352ec1)\n\nWhen we started Grey in 2020, we just wanted to make it easy for people like us to receive payments for work without any stress. Over the last four years, we’ve enabled global banking access to digital nomads across the US, UK, Europe, Kenya, Tanzania, Uganda, and Nigeria.\n\nToday, I’m excited to announce that Grey is now available to remote workers, digital nomads, and creatives in **Brazil** 🇧🇷, **Ghana** 🇬🇭, **Indonesia** 🇮🇩, **Mexico** 🇲🇽, the **Philippines** 🇵🇭, and **South Africa** 🇿🇦! Get started at [grey.co](http://grey.co).\n\nIn the next few weeks, we’ll roll out to more Latin America (LATAM) and Southeast Asia (SEA) countries. If you’re a digital nomad, freelancer, or remote worker in these countries, you can enjoy the following:\n\n* Get a free USD, EUR, or GBP account to receive your salary and payments.\n* Convert to other currencies (MXN, BRL, PHP, IDR, ZAR, NGN, KES, TZS, GHS, etc) and send to your local bank account or mobile money wallet.\n* Get a virtual card to spend.\n* Send Stablecoins (USDC) to your external wallet addresses.\n\nWe’re on a mission to make globalisation work for everyone by providing inclusive banking solutions regardless of location, and this expansion takes us six steps closer today.\n\nIf you know any communities we should speak to or any person in these markets we should connect to, please let us know at [founders@grey.co](mailto:founders@grey.co).\n\nCheers", "url": "https://www.ycombinator.com/launches/LP3-grey-us-banking-services-for-remote-workers-freelancers-nomads-and-creators-in-emerging-markets", "votes": 14, "created_at": "2024-07-19T15:51:00.641Z" } ] }, { "id": 25717, "name": "Glep", "slug": "glep", "former_names": [ "Lenco" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "website": "https://glep.com", "all_locations": "San Francisco, CA, USA", "long_description": "Glep is America's AI-native financial operating system built for real estate businesses.\r\nOur AI-native platform combines virtual and physical cards, banking, bill pay, expense management, and accounting automation into a single operating system designed specifically for how real estate businesses operate.\r\n\r\nGlep puts more time in the hands of operators to grow their portfolio.", "one_liner": "AI-Native Spend platform built for Real Estate businesses", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1646228155, "tags": [ "Fintech", "Enterprise Software", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/glep", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/glep.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/GlepHQ", "x_url": "https://twitter.com/GlepHQ", "fb_url": "https://facebook.com/GlepFi", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 603467, "full_name": "Andrew Airelobhegbe", "title": "Founder", "founder_bio": "CEO & Co-founder of Glep - America's AI-native spend platform for real estate businesses.\nCEO & Co-founder of Lenco - pan-African digital bank for businesses", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-airelobhegbe/", "x_url": "https://twitter.com/andrewairelob", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/374493bfe81624cd9421cd1cfa73d6f97360dc5c.jpg" }, { "user_id": 604663, "full_name": "Impact Airelobhegbe", "title": "Founder", "founder_bio": "Co-founder and COO at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/impact-airelobhegbe-49187955", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b974e317a7f8e87b18a21553a1dd2b7b3d4e735.jpg" }, { "user_id": 604306, "full_name": "Godstime Asine", "title": "Founder", "founder_bio": "Co-founder and Lead,Engineering at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/godstime-asine-b089267b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6178756ec1eaa14f9f2216832c8e814a345c2516.jpg" }, { "user_id": 248953, "full_name": "Praise Osagie", "title": "Founder", "founder_bio": "Chief Technology Officer at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/praise-osagie-1b607811a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20856b0210c5f9b4051ffa20950a7fe78f1ed08c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25726, "name": "Vendy", "slug": "vendy", "former_names": [ "payeasy", "wepayeasy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2281bc324d5c5e58506c7f08aa342175a403f0bf.png", "website": "https://myvendy.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Vendy is a marketplace on WhatsApp. We provide customized WhatsApp shops for sellers, allowing buyers to browse inventory, place orders with automated invoicing, and make payments, all within WhatsApp. No app download or sign-up required.", "one_liner": "Vendy is a marketplace on WhatsApp", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1646358782, "tags": [ "Payments", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "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/vendy", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/vendy.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://linkedin.com/company/paywithvendy", "x_url": "https://x.com/UseVendyHQ", "fb_url": "https://web.facebook.com/usevendyhq/", "cb_url": "https://www.crunchbase.com/organization/vendy-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2281bc324d5c5e58506c7f08aa342175a403f0bf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 860769, "full_name": "Kayode Disu", "title": "Founder", "founder_bio": "Passionate about transforming the digital payment landscape in Africa with an emphasis on mobile consumer products, I bring over 15 years of expertise in building digital security and payment solutions for leading banks and payment switches in West Africa. Beyond technology you'll find me on the basketball court or enjoying a refreshing swim.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kayode-disu-55629a17", "x_url": "https://www.twitter.com/mrdisu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e0c18879e060eae551961e3e5bdcdc3736d63bf.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25728, "name": "Benson", "slug": "benson", "former_names": [ "Yunit Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e1e36c83b26eee167ac29306733958a30cb80c5.png", "website": "https://www.meetbenson.com/", "all_locations": "Alexandria, VA, USA; Oakland, CA, USA; Remote", "long_description": "Benson helps everyday people invest like the rich by helping them identify the best stocks to invest in. We help users know when to buy, how much to invest, and even when to sell. ", "one_liner": "Easily invest like the rich", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1644868857, "tags": [ "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "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/benson", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/benson.json", "year_founded": 2020, "city": "Alexandria", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e1e36c83b26eee167ac29306733958a30cb80c5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [], "jobs": [], "news": [], "launches": [] }, { "id": 25745, "name": "goodfin", "slug": "goodfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b052c26e0beb63cd2a5aef297f7855da685f8dc.png", "website": "http://www.goodfin.com", "all_locations": "Los Angeles, CA, USA", "long_description": "GoodFin is reimagining private wealth in the era of AI. Our mission is to empower a new generation to build wealth, starting with their investments in alternative assets. \r\n\r\nOur AI-native platform combines a design-forward experience with a backend powered by a system of intelligent agents. We are building a future where AI unlocks financial hyperpersonalization, automation and optimization for sophisticated financial products, which are typically gated by advisors and reserved for very wealthy clients. This highly fragmented $1.25T global services market will undergo a sea change in the coming years, as trillions pass in the largest intergenerational wealth transfer to date. \r\n\r\nIn a world where most financial decisions will become automated, we believe the next category-defining wealth company will still be human-driven at its core – powered by a high-value community like our membership base of professionals, founders and investors. The next generation financial giant will be an AI-native platform that makes wealth creation seamless, personalized, and social. That’s what we’re building.", "one_liner": "Building the next generation of wealth", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647606742, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "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/goodfin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/goodfin.json", "year_founded": 2022, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/74735848", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b052c26e0beb63cd2a5aef297f7855da685f8dc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 740131, "full_name": "Anna Joo Fee", "title": "Founder", "founder_bio": "Anna is a second-time fintech founder and former regulatory lawyer. She is a graduate of Harvard College and Harvard Law School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/annajfee/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e922099c465d4c872e75dafdf1df5c825469769.jpg" } ], "jobs": [ { "id": 89492, "title": "Staff AI Engineer", "url": "https://www.ycombinator.com/companies/goodfin/jobs/TWZ9MRF-staff-ai-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $300K", "equity_range": "0.50% - 2.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89580, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/goodfin/jobs/2nt2lZN-ai-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $180K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Machine Learning" ] }, { "id": 89581, "title": "Wealth & Investment Advisor — AI Product Consultant", "url": "https://www.ycombinator.com/companies/goodfin/jobs/ElnnH2M-wealth-investment-advisor-ai-product-consultant", "location": "San Francisco, CA, US / Remote (US)", "type": "Contract", "role": "Finance", "role_type": null, "salary_range": "$40 - $200 / hourly", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 25755, "name": "Rank (formerly Moni)", "slug": "rank", "former_names": [ "Moni" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "website": "https://www.userank.com/", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa. \r\n
\r\nWe launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa.\r\n
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I come with experience of working in traditional finance and early-stage fintech startups and scaling them. My skillset in Product Management, Growth, Operations, and Strategy are some of the key strengths developed out of working in a corporate and startup environment. All of this is complemented by a Master’s Degree focused in Finance from Texas A&M University - Mays Business School.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/manish-maryada/", "x_url": "https://twitter.com/maryadamanishi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/612ecc536d15a1d059d74c18e06862cfbce59835.jpg" }, { "user_id": 517544, "full_name": "Shourya Lala", "title": "Founder/CTO", "founder_bio": "Shourya Lala is the Founder and CTO of Third Chair. He previously founded game-based investments startup Fello (YC W22), scaling it to 2mn users and tens of millions in investments. ex-ODF, ex-BlackRock, 2x YC", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/shouryalala/", "x_url": "https://twitter.com/atShourya", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fd06dec4b566846e43ecc54c2a938e8e4bdd8542.jpg" } ], "jobs": [], "news": [ { "title": "Gamified Fintech Startup Fello Secures Funding To Help Youth Learn Savings", "url": "https://inc42.com/buzz/gamified-fintech-startup-fello-secures-funding-to-help-youth-learn-savings/", "date": "Jan 04, 2023" }, { "title": "Here’s How Fello Is Making Saving & Investment Fun", "url": "https://inc42.com/startups/heres-how-y-combinator-backed-fello-is-making-saving-investment-fun/", "date": "Jun 21, 2022" }, { "title": "India's First Game-Based Investment Start-Up Fello Raises 1 Million USD In Seed ", "url": "https://www.startupcityindia.com/business-express?for=N&Value=n7xP594MZN59MH48NwebVwgMkU25XLk1Xwiw%2b%2fey22qGUghle5Rbd6paJQI%3d", "date": "Jan 05, 2022" }, { "title": "Game-based investment startup Fello raises $1 mn in Seed funding | VCCircle", "url": "https://www.vccircle.com/game-based-investment-startup-fello-raises-1-mn-in-seed-funding", "date": "Jan 05, 2022" }, { "title": "Fello gets $1 mn in seed round led by Entrepreneur First", "url": "https://www.cnbctv18.com/startup/funding-rundownbessemers-220-mn-india-dedicated-fund-adda247-raises-20-mn-in-series-b-funding-round-eduncle-secures-750k-from-mumbai-angels-network-11650892.htm", "date": "Nov 30, 2021" } ], "launches": [] }, { "id": 25823, "name": "Joe", "slug": "joe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ce58f7b5b9b75008b98693547e6bf5c8ece59c5.png", "website": "http://www.joe-app.com/en", "all_locations": "Paris, Île-de-France, France", "long_description": "Joe is building a innovative and flexible DtoC Buy Now Pay Later App in Europe powered by Tech📲.\r\nIn Europe, only 15% of e-commerce have integrated BNPL solutions and consumers don’t have access to installments very easily. \r\n\r\nWithin Joe app and our virtual card you can buy now pay later on any store without any technical integration. 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Since 2021 we have provided $23M in working capital to 32,000 businesses in East Africa. \r\n", "one_liner": "Working capital for African micro businesses", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642704125, "tags": [ "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Uganda", "Africa", "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/numida", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/numida.json", "year_founded": 2016, "city": "Kampala", "country": "UG", "linkedin_url": "https://www.linkedin.com/company/numida-technologies", "x_url": "https://twitter.com/numidatech", "fb_url": "https://www.facebook.com/numidatech", "cb_url": "https://www.crunchbase.com/organization/numida-technologies", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1949250110cbb69424a4932710f3027d1163c017.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": 160749, "full_name": "Mina Shahid", "title": "Founder", "founder_bio": "Co-Founder and CEO of Numida. I'm a two time founder and along with Numida's CTO I previously worked on another lending company in Ghana that failed. I'm Egyptian and Canadian and have lived and worked in Uganda, Ghana, Zambia and Colombia. I fundamentally believe that the growth of micro and small businesses in Africa is the key to economic prosperity for hundreds of millions of people!", "is_active": true, "linkedin_url": "https://ug.linkedin.com/in/minashahid", "x_url": "https://twitter.com/_minashahid", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/36324d91cf0cdaba33715250278d93acc03be9b1.jpg" }, { "user_id": 218523, "full_name": "Catherine Denis", "title": "Founder", "founder_bio": "Co-founder and COO of Numida. I have lived and worked in Uganda, Rwanda, Burkina Faso, Mali, Haiti and Colombia for 8+ years figuring out how to build teams, build robust processes, and get things done in challenging environments. I hold an MPA/ID from the Harvard Kennedy School and graduated in Systems Design Engineering from the University of Waterloo. As a French Canadian, I always welcome the opportunity to work or connect in my mother tongue. 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Users can see their net worth, monthly cash flow and how their budget has changed over the past several months. All of this is automated and designed to help them achieve the savings goal which they have set .\r\n\r\nIn addition to money management, we focus on making investing easy with pre-built portfolios and automatic rebalancing. When you sign up for an account, it offers the option to pick an expertly built portfolio, or you can choose to build your own.", "one_liner": "WealthFront of Indonesia ", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640802022, "tags": [ "Fintech", "Machine Learning" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pina", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/pina.json", "year_founded": 2021, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/pinaindonesia/", "x_url": "https://twitter.com/PINA_ID", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3371ff710a135af2d2ac975d4af1b4b7ff5df24.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": 856862, "full_name": "Daniel van Leeuwen", "title": "Founder", "founder_bio": "Founder at PINA. Previously worked @ Grab as Country Marketing Head for Indonesia, where I was responsible for driving the brand and marketing strategy for the Grab mother brand and all products under the super app ecosystem. Have 15+ years experience across design, tech, and marketing. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dan-van-leeuwen-7429104/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/15f1d3ffe32c5c7fece222ff9840e61e68cdb539.jpg" }, { "user_id": 865835, "full_name": "Hendry Chou", "title": "Founder", "founder_bio": "Previously lead product and design in Zenius", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hendry-chou-42251125/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e904efee0acbfb9557056b8feab3991334461098.jpg" }, { "user_id": 861140, "full_name": "Christian Hermawan", "title": "Founder", "founder_bio": "Over 20 years experience in capital market. Managing a company with USD 150 million transaction value per month with USD 300 million asset under management. ", "is_active": true, "linkedin_url": "http://linkedin.com/in/christian-hermawan-26293952", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9cc6a98fbb7c52ed49aa868aa3222a573620e97d.jpg" }, { "user_id": 865833, "full_name": "Fajar Kuntoro", "title": "Founder", "founder_bio": "10+ years working at multinational digital & innovation design agency. led project on web, mobile, data, enterprise solution, marketing & personalisation stack, and digital transformation for FMCG and financial Industry / Brands. \n\nStarted my career as fullstack engineer, led a team of engineer after moved back from UK", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fajar-kuntoro-35860354/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8aa8a258ef61a9e0aea7001993cf4c1a8cd0b3e3.jpg" } ], "jobs": [], "news": [ { "title": "PINA offers wealth management for Indonesia’s growing middle- to upper-class – TechCrunch", "url": "https://techcrunch.com/2022/07/03/pina-offers-wealth-management-for-indonesias-growing-middle-to-upper-class/", "date": "Jul 03, 2022" } ], "launches": [] }, { "id": 25911, "name": "Cypher", "slug": "cypher", "former_names": [ "CypherD", "CypherD Wallet", "Cypher Wallet" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9c93afdca59e284c9f7ffb0e5af75d2830c485d1.png", "website": "https://cypherhq.io/", "all_locations": "San Francisco, CA, USA", "long_description": "Internet broke physical boundaries in commerce and made it global. It never happened in finance. Almost all financial consumer apps are country specific. Stablecoins are the internet moment for finance industry.\r\n\r\nCypher lets an user download an app from anywhere in the world and have a bank account in 5 mins and start transacting with the crypto card. Can instantly send USDC to anywhere in the world.", "one_liner": "Crypto Neo-Bank (WhatsApp moment for bank accounts)", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644960126, "tags": [ "DeFi", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "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/cypher", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/cypher.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/79070369", "x_url": "https://twitter.com/Cypher_HQ_", "fb_url": null, "cb_url": null, "github_url": "https://github.com/CypherD-IO", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9c93afdca59e284c9f7ffb0e5af75d2830c485d1.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": 324111, "full_name": "Kuberan Marimuthu", "title": "Founder", "founder_bio": "Built Cypher (Stablecoin Neobank) to $5M Annualized Revenue and sold to Nium", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kuberanmarimuthu/", "x_url": "https://twitter.com/ikuberan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5efc88603bc91b2946c68facac84c43b960a5888.jpg" } ], "jobs": [], "news": [ { "title": "The Block: Y Combinator leads $4.3 million round for multichain wallet Cypher", "url": "https://www.theblock.co/post/203711/y-combinator-multichain-wallet-cypher", "date": "Jan 19, 2023" } ], "launches": [] }, { "id": 25918, "name": "Venue.ink", "slug": "venue-ink", "former_names": [ "Venue", "Venue.live" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ed643fef7e35b17f37186448b5e1370b52b5b1.png", "website": "https://venue.ink", "all_locations": "Toronto, ON, Canada", "long_description": "Venue.ink is a booking app for tattoo artists and studios. Receive bookings, manage your calendar, chat with clients and get paid. We help artists spend more time on art, and less time on admin.", "one_liner": "Software for tattoo artists and studios", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1643648106, "tags": [ "Fintech", "SaaS", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/venue-ink", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/venue-ink.json", "year_founded": 2023, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/venue-ink/", "x_url": "", "fb_url": "https://www.instagram.com/venue.ink", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ed643fef7e35b17f37186448b5e1370b52b5b1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/00dce2e2e157165e12c353333dcc2b08f943ac90.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 254287, "full_name": "Jason Goldlist", "title": "Founder", "founder_bio": "I started my career as a business analyst at McKinsey & Company. After a quick operations tour at the Vancouver Olympic Games and an MBA at INSEAD, I worked at A Place for Mom in Seattle. I was an early employee at Wealthsimple (co-founded by Brett Huneycutt & Rudy Adler, prev. YC S10) before founding Venue. \n\nI live in Toronto with my wife Tenielle our two boys (Abe is 10, and Reuben is 7).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/goldlist/", "x_url": "https://twitter.com/goldlist", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8828b5f1a7ef4d53483e005d00baea4aa7d07fe.jpg" }, { "user_id": 820959, "full_name": "Danilo Cabello", "title": "Founder", "founder_bio": "I am computer engineer, born in Brazil, moved to Canada in 2012, I love seeing people using my creations, most recently working with WebRTC, React, Typescript and Ruby on Rails. Love to discuss and talk about tech, processes, ideas, product development.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/danilocabello/", "x_url": "https://twitter.com/cabellomania", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7623d3ede0190cc53fbc1b6b9345a42ab856b7b.jpg" } ], "jobs": [], "news": [ { "title": "Venue raises $4M from Accel and the CEOs of Slack, Remote, and SquareSpace to give team-wide video meetings a new breath of life – TechCrunch", "url": "https://techcrunch.com/2022/08/17/venue-raises-4m-from-accel-and-the-ceos-of-slack-remote-and-squarespace-to-give-team-wide-video-meetings-a-new-breath-of-life/", "date": "Aug 17, 2022" } ], "launches": [ { "id": 64235, "title": "Venue.live makes remote meetings more fun!", "tagline": "Companies like Shopify use Venue every day for Town Halls, Kickoffs, AMAs, and more.", "body": "### [**✨**](https://emojipedia.org/sparkles/#:\\~:text=Emoji%20Meaning&text=Generally%20depicted%20as%20a%20cluster,well%20as%20newness%20or%20cleanliness.) **Why Venue?**\n\nPeople enjoy working remotely because it’s convenient. But often they don’t find that remote work is fun or helps them feel better connected to their team and mission.\n\nWe’re building [Venue](https://www.venue.live/) to be a place where teams can:\n\n* Reflect their unique personality and culture.\n* Create a vibe that’s fun, energizing, authentic and spontaneous.\n* Provide a safe and inclusive space for colleagues to interact how they want to.\n\nAs a result, we’re seeing higher meeting attendance, better in-meeting engagement and remote team members that feel more energized and connected post meeting!\n\nIf you want to see Venue in action, check out our [YC W22 application demo video](https://www.youtube.com/watch?v=--MSWRhOAg8&list=PLID3W45QzIcjQJk67pOQIafUVc0P5E2AS).\n\n### [**❤️**](https://emojipedia.org/red-heart/) **Our clients really love us**\n\n* Stewart from **Shopify** says: “Anyone can stream a “broadcast-level” experience with Venue. Shopifolk love it.”\n* Attendees at a recent **Yelp** All Hands said:\n * “Our All hands was absolute 🔥”\n * “#venueforpresident”\n * “Venue was the winner today”\n * “As a hardcore introvert, this all hands was the most comfortable and fun one i’ve ever been to.”\n\n### [**🙏**](https://emojipedia.org/folded-hands/#:\\~:text=%F0%9F%99%8F%20Folded%20Hands&text=Two%20hands%20placed%20firmly%20together,Rarely%3A%20a%20high%2Dfive.&text=Android%20once%20showed%20a%20blob,closed%20eyes%20and%20folded%20hands.) **Introduce us to remote companies!**\n\nWe need your help! We want to speak with companies that are: \n\n* Remote-first or hybrid\n* Culture-obsessed \n* Run recurring 100+ person meetings (like All Hands, Town Halls, AMAs, etc)\n\nWe love speaking with leaders from People & Culture, Employee Experience, Internal Communications, Chief of Staffs, Broadcast / AV / IT teams, etc. \n\nIf this describes your company, your previous company, or someone you know, we would love to connect to share what we’ve learned and see how we can help. \n\n**Please reach out to us at** [**founders@venue.live**](mailto:founders@venue.live)**.**\n\n### **🤝 Give us a try!**\n\nWe’re offering to host your next team meeting in Venue for free. No commitments. This test drive includes optional white glove service helping you plan, train and even provide live production support.\n\nWe’ll also share best practices we’ve learned from working with leading remote work companies to help make your remote company culture really shine. \n\n**Sign up at** [**Venue.live**](https://venue.live) **or contact us at** [**founders@venue.live**](mailto:founders@venue.live)**.**", "url": "https://www.ycombinator.com/launches/Gi3-venue-live-makes-remote-meetings-more-fun", "votes": 36, "created_at": "2022-06-30T16:47:02.149Z" } ] }, { "id": 25921, "name": "Nophin", "slug": "nophin", "former_names": [ "Nophin Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d0455a652b85ac5ebbe8030cb953e41c7e4c2098.png", "website": "https://www.nophin.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Nophin helps commercial real estate professionals screen deals faster with Cresa, an AI Analyst that automates multifamily deal screening and diligence processes, freeing up time for what truly matters—closing the best opportunities.\r\n \r\nAcquisition teams are overwhelmed with manual tasks, from screening countless deals that don't meet buying criteria to analyzing complex documents and conducting market research. These inefficiencies lead to missed opportunities and slowed decision-making, making it difficult to focus on high-potential opportunities.\r\n\r\nCresa is the first fine-tuned multimodal Agent capable of handling various workflows for acquisition teams around the clock so they can focus on high-potential deals that align with their buying criteria. 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Experienced product and finance professional and CRE Investor. Previously, founder of a venture-backed B2B SaaS startup and served as MD, launching the first PPP coworking and incubator space in Queens, NY. Amateur cyclist and a faithful believer.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/weeksmensah/", "x_url": "https://twitter.com/weeksmensah", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4f4837c0977e925dba58177840f4a2bdcfcc773.jpg" }, { "user_id": 10653, "full_name": "Kwadwo Nyarko", "title": "Founder", "founder_bio": "Kwadwo is Co-Founder @ Nophin. Before Nophin, Kwadwo was Co-Founder and CTO @ Sourcediv and Envyl (YC W16), and Lead Engineer at WeWork, where he built a procurement system to furnish WeWork locations. Kwadwo was Born in Ghana, raised in The Bronx, NY, and studied CS at MIT ('12) and Cornell ('14).", "is_active": false, "linkedin_url": "http://www.linkedin.com/pub/kwadwo-nyarko/11/b07/938", "x_url": "https://twitter.com/kjnyarko", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19e513e27f81dd97fbdf90040027232a521bba3f.jpg" } ], "jobs": [], "news": [ { "title": "These Y Combinator-backed startups want to build the next Brex – TechCrunch", "url": "https://techcrunch.com/2022/04/04/these-y-combinator-backed-startups-want-to-build-the-next-brex/", "date": "Apr 04, 2022" } ], "launches": [ { "id": 84018, "title": "Nophin - Cresa, AI Analyst for CRE Deal Screening", "tagline": "Cresa is like having an analyst who quickly filters out deals that don’t fit your criteria and speeds up due diligence on the ones that do.", "body": "**Tl;dr**\\\nToday, to screen a multifamily deal, acquisition teams manually import rent rolls and operating statements and conduct market research for comps before running assumptions to see if a deal fits their criteria; Cresa automates the entire process. Cresa is a fine-tuned multimodal Agent that handles key workflows for acquisition teams 24/7 so they can focus on high-potential investments. Cresa can screen deals using your preferred acquisition model, analyze deal documents, conduct market research, and generate comprehensive reports. Try Cresa’s [Rent Comp Research](https://cresa.nophin.com/) — no signup or prior experience is needed.\n\n\n\n**Team**\\\nWe're Kwadwo and Weeks, a technical team of second-time YC founders and CRE investors on a mission to revolutionize commercial real estate investing. Having experienced the inefficiencies in CRE investing firsthand, we previously built an end-to-end underwriting solution. There, we uncovered a major pain point for investors: the top-of-the-funnel bottleneck of screening deals, where they waste time reviewing countless deals that don’t match their buying criteria.\n\n**Problem**\\\nAcquisition teams are bogged down by the manual tasks required to screen deals, from analyzing deal documents to conducting time-consuming comp research before testing assumptions in an Excel model. A thorough diligence process takes an average of two hours. The workflow is highly manual, yet each deal is unique, preventing easily scaled processes. These inefficiencies lead to missed opportunities and slowed decision-making, making it difficult to focus on high-potential opportunities.\n\n**Solution**\n\nCresa is an AI Screening Analyst that automates multifamily deal screening and diligence processes. Cresa is the first fine-tuned multimodal CRE Agent that handles key workflows for acquisition teams 24/7 so they can focus on high-potential opportunities. Cresa can screen deals using your preferred acquisition model, analyze documents, conduct market research, generate comprehensive reports, and send emails.\n\n![uploaded image](/media/?type=post&id=84018&key=user_uploads/289172/1b4daad8-fe9f-4816-a301-4e41f11994ed)\n\n**Cresa In Action**\n\n\n\n**Key Highlights**\n\n1. Specify your investment criteria, and Cresa will automatically screen and filter deals using your acquisition model — each time.\n2. Cresa can analyze and summarize deal documents like rent rolls, T-12s, OMs, and more and answer complex questions.\n3. Sync real-time data to your acquisition models and download the analysis in Excel.\n4. Run dynamic scenarios within your acquisition model.\n5. Ask Cresa to conduct real-time market research from web sources and email you or anyone on your team a comprehensive summary.\n6. Cresa can help generate investment memos using analyzed financials and market research, summarizing key takeaways for stakeholders.\n\n**Our Ask**\n\n* Connect us to acquisition teams focused on multifamily assets.\n* Try Cresa’s [Rent Comp Research](https://cresa.nophin.com/) — No prior experience is needed. Please give us feedback at [founders@nophin.com](mailto:founders@nophin.com)\n* Follow us and share this post on [LinkedIn](https://www.linkedin.com/company/nophin/) and  [X](https://x.com/NophinInc).", "url": "https://www.ycombinator.com/launches/Lr8-nophin-cresa-ai-analyst-for-cre-deal-screening", "votes": 14, "created_at": "2024-09-13T22:35:48.916Z" } ] }, { "id": 25930, "name": "SNAB", "slug": "snab", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/beed13dcdb170626c398b7c8ce66df8a3978a4e3.png", "website": "https://www.snabfinance.com/", "all_locations": "Madrid, Community of Madrid, Spain; Remote", "long_description": "Snab aims to automate & centralize access and management of global banking for complex business groups with multiple subsidiaries, and digitize their access to financial services.", "one_liner": "A global finance automation platform for complex multi-entity…", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648105204, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Spain", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/snab", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/snab.json", "year_founded": 2021, "city": "Madrid", "country": "ES", "linkedin_url": "https://www.linkedin.com/in/gorkaguirreh/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/beed13dcdb170626c398b7c8ce66df8a3978a4e3.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": 436247, "full_name": "Gorka Aguirre", "title": "Founder", "founder_bio": "Gorka Aguirre (CEO), has 6 years of experience doing Private Equity in New York, at a company that grew from almost zero to more than $2BN AUM during his period at the firm. Gorka's experience at different roles at the company includes 3 years supervising treasury of portfolio companies, becoming the root cause of starting Snab after suffering a continous inneficient business banking & B2B payments experience. Gorka holds two degrees in law and business administration and a masters in finance", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gorkaguirreh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/169e55b8a66587aa0751a5524ecc2e098df339b2.jpg" }, { "user_id": 861117, "full_name": "Juan coll Soler", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-coll-soler-50734566/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19276835790736de5c506ab5bfcb3efa12c5b67f.jpg" } ], "jobs": [], "news": [ { "title": "Spanish startup Snab snaps up €1.1 million for its B2B banking platform | EU-Startups", "url": "https://www.eu-startups.com/2023/02/spanish-startup-snab-snaps-up-e1-1-million-for-its-b2b-banking-platform/", "date": "Feb 06, 2023" } ], "launches": [] }, { "id": 25931, "name": "Amal Invest", "slug": "amal-invest", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0a95616054d8d844425f1285ebe1c5056e3a7f3.png", "website": "https://amalinvest.com", "all_locations": "Manama, Capital Governorate, Bahrain; Remote", "long_description": "Amal's an investing app for Muslims. Muslims only invest in Shariah-compliant business, but it's hard to know which businesses are compliant. That's because it's based on complex financial metrics that change over time. We take that burden away entirely.\r\n\r\nAmal can filter stocks but also, remarkably, funds. Set your filters up once, and you'll have access to a universe of investments that cater to your specific requirements. Sign up today at https://amalinvest.com", "one_liner": "Investing app for Muslims", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643623778, "tags": [ "Fintech", "Investing", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Bahrain", "Middle East and North Africa", "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/amal-invest", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/amal-invest.json", "year_founded": 2021, "city": "Manama", "country": "BH", "linkedin_url": "", "x_url": "https://twitter.com/amalinvest", "fb_url": null, "cb_url": null, "github_url": "https://github.com/amalinvest", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0a95616054d8d844425f1285ebe1c5056e3a7f3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 121, "full_name": "Yazin Alirhayim", "title": "Founder", "founder_bio": "I've spent the past 8 years in fintech, having previously founded White (a \"Stripe for the Middle East\"; acq '15) and Verify (a \"Plaid for the Mi..\" you get the drift). Before that, I spent several years working at GE — including a couple of years as a field engineer installing monitoring equipment on turbines in the desert!", "is_active": true, "linkedin_url": "https://linkedin.com/in/yazin/", "x_url": "https://twitter.com/yazins", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8c981b15fdc787dd7e0d401251beae8addd0ed68.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25948, "name": "Spade", "slug": "spade", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dc25342edef4b9f6942587780f3a5d96fae04f9c.png", "website": "https://www.spade.com", "all_locations": "New York City, NY, USA", "long_description": "We take messy transaction data and turn it into structured, verified records — with a platform, models, and tooling that help our customers use it everywhere it matters.", "one_liner": "Spade is the data and AI platform for modern finance.", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641512856, "tags": [ "Fintech", "Machine Learning", "Payments", "Data Labeling", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/spade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/spade.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/spadedata/", "x_url": "https://twitter.com/Spadedata", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/spade", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dc25342edef4b9f6942587780f3a5d96fae04f9c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 794205, "full_name": "Oban MacTavish", "title": "Founder", "founder_bio": "Oban MacTavish is the CEO of Spade. Before starting Spade Oban co-founded Hubly - a vertical SaaS platform for independent RIAs. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oban/", "x_url": "https://twitter.com/Obanmact", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/865ea81c5261591da4c1d4c61a26fae1a2014dce.jpg" } ], "jobs": [ { "id": 98588, "title": "Backend Engineer (Mid/Sr)", "url": "https://www.ycombinator.com/companies/spade/jobs/k9ZLlCc-backend-engineer-mid-sr", "location": "New York, NY", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$170K - $230K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] }, { "id": 98589, "title": "Finance Lead", "url": "https://www.ycombinator.com/companies/spade/jobs/ahCOFcZ-finance-lead", "location": "New York, NY / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$170K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98592, "title": "Technical Customer Support", "url": "https://www.ycombinator.com/companies/spade/jobs/2rT8fjC-technical-customer-support", "location": "New York, NY / Remote (US)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$85K - $108K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Spade raises $40M for transaction data enrichment", "url": "https://www.axios.com/pro/fintech-deals/2026/03/24/spade-40m-bank-transaction-data-tools", "date": "Mar 24, 2026" }, { "title": "Fintech Spade's Series a Pitch Deck Used to Raise $10 Million", "url": "https://www.businessinsider.com/fintech-spades-series-a-pitch-deck-raise-10-million-2023-12", "date": "Dec 18, 2023" }, { "title": "Spade digs into credit card fraud detection intelligence following new capital raise | TechCrunch", "url": "https://techcrunch.com/2023/12/06/spade-credit-card-fraud-detection/", "date": "Dec 06, 2023" }, { "title": "Spade raises $5m in seed funding round led by a16z", "url": "https://blog.spade.com/spade-raises-5m-in-seed-funding-led-by-a16z/", "date": "Feb 27, 2023" }, { "title": "Spade turns credit card transaction gibberish into clear, actionable data | TechCrunch", "url": "https://techcrunch.com/2023/02/27/spade-credit-card-data-a16z/", "date": "Feb 27, 2023" } ], "launches": [] }, { "id": 25960, "name": "Clupp", "slug": "clupp", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c36a2d5d5beb7bbd64012e028a1c2dfffa2b3fc9.png", "website": "http://clupp.com.mx/", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "At Clupp, we offer innovative insurance solutions for underserved markets. Whether it's B2C coverage for bicycle and scooter riders in Latin America, B2B SaaS solutions empowering insurance brokers worldwide, or creating new insurance products to guarantee financing for startups in the United States—we're pushing the boundaries of what's possible in the insurance industry.", "one_liner": "Innovative insurance solutions for underserved markets.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1641410394, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America", "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/clupp", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/clupp.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/24984730/admin/", "x_url": "https://twitter.com/cluppseguro", "fb_url": "https://www.facebook.com/cluppseguro", "cb_url": "https://www.crunchbase.com/organization/clupp", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c36a2d5d5beb7bbd64012e028a1c2dfffa2b3fc9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 413945, "full_name": "Omar Said López Tronco", "title": "Founder", "founder_bio": "CEO of Clupp. Actuary, CFA Charterholder, and full-stack developer. MSc in Risk Management. Winner of the Mexican Insurance Research Award (2015), and winner of the Mexican Insurance Innovation Award (2017).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/omartronco/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e676941e161fd77000e74a6d1a88668c23a311a1.jpg" }, { "user_id": 422757, "full_name": "Marisol Sánchez", "title": "Founder", "founder_bio": "I'm cofounder at Clupp and I’m the Chief Operation Officer, so I’m in charge of everything related to claims and fraud detection. I'm an expert in insurtech in Mexico. I’m the president of the Mexican Insurtech Association.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/marisolsn", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d673dedebba6acac31109c7ab6ecace05eb1f6a.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25973, "name": "BelozFi", "slug": "belozfi", "former_names": [ "Comerza (new name ---> Amiloz)", "AMILOZ", "amiloz", "Amiloz", "amiloz", "Amiloz", "amiloz" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b7064954b699944273829fa9f99e428be9bfa6f.png", "website": "https://www.belozfi.com.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "We are a Y Combinator / Latitud backed financial health focused micro-lending platform in Mexico led by people from companies such as Capital One, Bain, Konfio, DiDi etc. We are hyper focused on making sure our users understand and improve their financial health through their relationship with us. In a very short time, we have achieved significant traction with very good consumer outcomes and unit economics. We have built a solid AI foundation in product development, data science and lending operations that powers our product. 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", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gianfrancogentille/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4eaaaea3a1d82781c45041dc2161cbcf8cb2a7b0.jpg" } ], "jobs": [ { "id": 115289, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/belozfi/jobs/tAD6tbF-software-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$2K - $5K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Go", "Node.js", "Python", "React", "React Native", "TypeScript", "SQL", "Next.js" ] } ], "news": [], "launches": [] }, { "id": 25981, "name": "Arpari", "slug": "arpari", "former_names": [ "re-eval" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1daae7ef53262d8880fc5c5838278da9bea07522.png", "website": "https://www.arpari.com", "all_locations": "New York City, NY, USA", "long_description": "Treasury management platform built for multibank finance teams. Seamlessly consolidate company finances, manage payments and financial operations from a single dashboard. ", "one_liner": "Multibank treasury management", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648002361, "tags": [ "Fintech", "SaaS", "Real Estate", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "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/arpari", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/arpari.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arpari", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1daae7ef53262d8880fc5c5838278da9bea07522.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": 859217, "full_name": "Alexandra Zwiener", "title": "Founder/CEO", "founder_bio": "Hello, I'm Alex, Co-Founder of Arpari. \n\nI began my career as a quantitative developer at Goldman Sachs, where I developed automated trading strategies and other financial applications. I have experience in financial modeling and risk management. My experience and interest in improving financial services led me to co-found Arpari. \n\nI received a BA in Mathematical Economics and Computer Science from University of Pennsylvania. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexandra-zwiener/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7c180b8c3fff32a36e843b3b0303102b2bc503cd.jpg" }, { "user_id": 798032, "full_name": "Toby Edward", "title": "Founder", "founder_bio": "Passionate about solving problems. Working to improve the commercial real estate banking experience. Background in real estate investing.\n\n\n ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tobias-milligan-3b963564/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5bdb3a4d48fecb7d13ae68fa12656af1d0f9453f.jpg" } ], "jobs": [ { "id": 67584, "title": "Software Engineer (NYC)", "url": "https://www.ycombinator.com/companies/arpari/jobs/Nf4apLy-software-engineer-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$90K - $150K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Django", "Git", "Python", "React", "SQL" ] }, { "id": 68120, "title": "Full Stack Engineer (India)", "url": "https://www.ycombinator.com/companies/arpari/jobs/P0ToXTK-full-stack-engineer-india", "location": "IN / Remote (IN)", "type": "Contract", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹900K INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Django", "Git", "Python", "React" ] }, { "id": 71827, "title": "Sales Development Representative (NYC)", "url": "https://www.ycombinator.com/companies/arpari/jobs/fwgePE7-sales-development-representative-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $85K", "equity_range": "0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 89175, "title": "Arpari – Multibank treasury management", "tagline": "One login for multibank finance teams", "body": "# [**👋**](https://emojipedia.org/waving-hand) Hi YC,\n\nI’m Alex, founder of [Arpari](https://www.arpari.com/). Over the past 3 years, we’ve been working with commercial real estate finance teams to streamline their bank account data. We’ve built a multibank dashboard to provide a single login to teams working with hundreds of accounts across 10+ banks. \n\n💸 Today we’ve launched **multibank payments**, further reducing the need for teams to log into separate bank portals. Now, teams can fully manage their account inventory, reconcile transactions, and make transfers in a single dashboard.  \n\n🚀 Recently, we have **expanded our focus beyond** real estate to satisfy all entity structures. Whether you are a small finance team with a simple account structure or you deal with hundreds of subsidiaries and entities and the complexity that brings, Arpari makes it easy to streamline your bank-related processes. \n\n# **TL;DR**\n\n* Arpari centralizes account inventory, balances, and transactions across all your accounts, making month-end processes a breeze\n* Our dashboard works with any number of banks and complex entity structures \n* Today, we launched payments so your team just needs to log into a single portal to set up and approve all payments to vendors, investors and anyone else\n* Do you know any finance teams that work with more than one bank? Please introduce us! Email [Alexandra.zwiener@arpari.com](mailto:Alexandra.zwiener@arpari.com) or [book a demo here](https://www.arpari.com/book-demo)\n\n  \n\n# **❌ The Problem**\n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/57361321-c472-4677-955d-e6feecc21f04)\n\nFinance teams who are responsible for balance reporting and transaction reconciliation often scramble at month end, don’t report at the frequency they’d like, or sacrifice reporting accuracy altogether.   \n\n1. **ACCOUNT INVENTORY**: Using multiple banks can mean liquidity is an unknown, especially for teams who work with many accounts. Bank accounts tracked in Excel—many unnamed or vaguely labeled—makes effective management nearly impossible. Often accounts are missed, and cash misplaced. \n2. **MANAGING ACCESS**: Financial operations are severely hindered by fragmented bank access scattered across multiple team members. Accountants regularly need separate logins, deal with constant lockouts, and navigate multiple security code requests, reducing productivity. Add in payment approval workflows, and you have duplicate, complex permissions to manage across multiple portals. \n3. **DATA NORMALIZATION**: Beyond data access, when teams finally gather transaction data across banks, the data comes through in various formats. Many banks only offer PDF downloads, some banks don’t even provide export.  \n4. **TRANSFER MONITORING**: Teams need to log into multiple portals to monitor pending transactions and approvals. Additionally, when vendor or investor bank details change, they need to update the information across multiple portals.\n\n \n\nTeams who have tried to solve this problem have found treasury software that doesn’t work for multibank users. Incumbent solutions price with bank-by-bank implementation, which doesn’t work for users who have hundreds of accounts across 10+ banks, with their account and bank list constantly in flux. \n\n  \n\n# 👩‍💻  **Our Solution: One login for all finance teams needs**\n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/7bf3d96a-04c3-4687-b9a6-6d369a929170)\n\n  \n\nWe’ve built a dashboard for finance teams to interact in one place. When teams are doing the same manual tasks 10+ times, why not do them once? \n\n### STABLE CONNECTIONS\n\nWe leverage various connection methods to banks to provide stable, usable data daily to our customers. The account, balance, and activity information is the foundation to all workflows for our customers; unifying this information into a single place gives them back time for month-end reporting, peace of mind, and full transparency of their true cash flow.  \n\n### DASHBOARD CUSTOMIZATION\n\nWe offer added customization to help organize account, balance, and activity data. Our dashboard is built around teams with complex fund and entity structures and prioritizes easy navigation according to how our users think about their bank information. \n\n### SINGLE PORTAL ACCESS\n\nWith payment approval workflows and read-only access, finance teams no longer need to permission non-account signers into bank portals. Finance teams can conduct their day-to-day operations without needing to log into 10+ portals to make payments or pull activity. \n\n  \n\nWhether you are the controller sending investor distributions and paying vendors, an executive who wants a headline snapshot of cash, or an accountant reconciling transactions, Arpari saves you time. \n\n  \n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/a04f6c1b-0560-4b46-88f3-006cef73f664)\n\n# **🙏  Ask**\n\n* Follow us on [LinkedIn](https://www.linkedin.com/company/arpari/), and [book a demo](https://www.arpari.com/book-demo) with our team. \n* **Share this post!** -  Do you know anyone in your network who is a CFO, controller, account manager, or treasurer? Please share this post! \n* Learn more at [arpari.com](http://arpari.com)\n\n \n\n👉 Contact me at [Alexandra.zwiener@arpari.com](mailto:Alexandra.zwiener@arpari.com)   \n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/b6f6aded-20b6-408e-bcc9-b11e63c20305)\n\n ", "url": "https://www.ycombinator.com/launches/NCJ-arpari-multibank-treasury-management", "votes": 3, "created_at": "2025-04-02T12:30:40.465Z" } ] }, { "id": 26003, "name": "Mahaana Wealth", "slug": "mahaana-wealth", "former_names": [ "Dynasty Financial Advisors", "Mahaana" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://mahaana.com", "all_locations": "Karachi, Sindh, Pakistan; Islamabad, Islamabad Capital Territory, Pakistan", "long_description": "Pakistan has 401K style schemes for retirement but only 0.02% people have retirement accounts. Previously unallowed, Digital onboarding & KYC was adopted by the regulator in late 2021. We are the first & only licensed digital investment advisor and looking to take advantage of this regulatory tailwind. We are now licensed to create our own retirement funds & ETFs just like Vanguard", "one_liner": "Mahaana is first & only licensed digital wealth manager in Pakistan", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648305584, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mahaana-wealth", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/mahaana-wealth.json", "year_founded": 2021, "city": "Karachi", "country": "PK", "linkedin_url": "", "x_url": "", "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": 793409, "full_name": "Muhammad Shamoon Tariq", "title": "Founder", "founder_bio": "Before starting his startup in Pakistan, Mahaana, Shamoon has been working as a Partner in a Swedish based Investment manager & ranked as top 3 global investment manager in Frontier markets space. He is a CFA and FDP charter holder.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/muhammad-shamoon-tariq-cfa-24b40a80/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0cac07b4444da7f5b20d31c13d557628773aaea9.jpg" } ], "jobs": [], "news": [ { "title": "YCombinator-backed Mahaana Wealth announces $2.1mn pre-seed raise to digitise wealth management in Pakistan - Profit by Pakistan Today", "url": "https://profit.pakistantoday.com.pk/2022/08/23/ycombinator-backed-mahaana-wealth-announces-2-1mn-pre-seed-raise-to-launch-digital-wealth-management-company-in-pakistan/", "date": "Aug 22, 2022" } ], "launches": [] }, { "id": 26012, "name": "Postal", "slug": "postal", "former_names": [ "Plover Parametrics" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/911ebad4ffeccf83b0c6f626fa7f16fe4bb95679.png", "website": "https://usepostal.com", "all_locations": "New York City, NY, USA", "long_description": "Postal offers a modern virtual mailbox for businesses. Postal provides an official address for government, IRS, and vendor communications so companies don't have to use an apartment / shared office address.\r\n\r\nPostal's AI summarizes mail and recommends compliance actions, and its marketplace of service providers are ready to perform the mundane compliance work that otherwise falls through the cracks. \r\n\r\nCompanies get 6 months free (a $300 value), plus three free hours of compliance services (a $600 value). ", "one_liner": "An AI native virtual address & mailroom for businesses.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1646246347, "tags": [ "Compliance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/postal", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/postal.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/use-postal/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/911ebad4ffeccf83b0c6f626fa7f16fe4bb95679.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 904889, "full_name": "Max Clarke", "title": "Founder", "founder_bio": "Max studied History at Northwestern and Law at the University of Michigan. He spent 4 years practicing law (M&A and insurance regulatory work) before moving to Palantir, where he led business development efforts and implementation teams at the DoD and federal civilian agencies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-clarke-029821b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/480bc7fa2c150294f5906e95ba42dcbe79b0ab0a.jpg" }, { "user_id": 908371, "full_name": "Tommy Peeples", "title": "Founder", "founder_bio": "Tommy studied Physics at Harvard. He spent over four years at Palantir working on projects in the Defense, Intel, and Commerce spaces. He’s also a classically trained violinist and directed the Harvard mariachi band.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tommy-peeples-253641124/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b7fc4503b049af79d8312e922445c0248c6c0bca.jpg" } ], "jobs": [ { "id": 92480, "title": "Founding SDR and Customer Success", "url": "https://www.ycombinator.com/companies/postal/jobs/aiZ4s8a-founding-sdr-and-customer-success", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$75K", "equity_range": "0.10% - 0.15%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93475, "title": "CTO", "url": "https://www.ycombinator.com/companies/postal/jobs/4LDHfDt-cto", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200 - $250", "equity_range": "5.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 26016, "name": "Finku", "slug": "finku", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd2fc34605d4558d713fd1df46893a192df5b825.png", "website": "http://finku.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Finku is an AI powered personal finance app (budget & money manager) focused on geographies without Open Banking, such as Indonesia. \r\n\r\nFinku makes it easy for users to learn about their spending behaviors and recommends ways for user to achieve their goals faster (i.e saving more, etc.). Finku has helped 1 million Indonesian by offering a more seamless and innovative method of storing financial transactions, by processing these data-points & offering insightful suggestions for users, by providing access to a virtual financial assistant, hence creating a rewarding & sticky experience for our users.\r\n\r\nFinku is backed by B Capital, Partech, Golden Gate Ventures, Goodwater Capital, Trihill Capital and YCombinator.", "one_liner": "AI powered personal finance app for Indonesia", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640796466, "tags": [ "Fintech", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finku", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/finku.json", "year_founded": 2021, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/finku/mycompany/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/finku", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd2fc34605d4558d713fd1df46893a192df5b825.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": 546824, "full_name": "Reinaldo Tendean", "title": "Founder", "founder_bio": "At Finku our vision is to help people make better financial decisions regardless of their background!\n\nPreviously, I was a consultant at BCG where I helped detail out strategic roadmaps & incubate start-up concepts for large corporate together with BCG DV.\n\nGrowing up in Indonesia and having the privilege to study at Berkeley, I've grown to be passionate about financial inclusion, waste management, and sports. 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0.08%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "Node.js", "Python", "React Native", "Microservices", "Serverless" ] }, { "id": 93240, "title": "Senior Product Manager - Cards & Payments", "url": "https://www.ycombinator.com/companies/gosats/jobs/0TZL6W7-senior-product-manager-cards-payments", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 93243, "title": "Product Manager - AI / Product Intelligence", "url": "https://www.ycombinator.com/companies/gosats/jobs/fR7kQlK-product-manager-ai-product-intelligence", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1 INR", "equity_range": "0.05% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93244, "title": "Backend Engineer (SDE 2)", "url": "https://www.ycombinator.com/companies/gosats/jobs/E7MCpgX-backend-engineer-sde-2", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93248, "title": "Business Intelligence Engineer", "url": "https://www.ycombinator.com/companies/gosats/jobs/5UXdQu9-business-intelligence-engineer", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95384, "title": "VP, Credit Card Partnerships", "url": "https://www.ycombinator.com/companies/gosats/jobs/2J9Q2h0-vp-credit-card-partnerships", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Remote (IN)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103471, "title": "Head of Revenue & Monetisation", "url": "https://www.ycombinator.com/companies/gosats/jobs/4WiQml6-head-of-revenue-monetisation", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹4.5M - ₹7.5M INR", "equity_range": "0.02% - 0.09%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "GoSats Bags Funding To Make Consumers Earn More Cashbacks", "url": "https://inc42.com/buzz/bitcoin-reward-app-gosats-bags-funding-to-make-consumers-earn-more-cashbacks/", "date": "May 31, 2022" }, { "title": "Bitcoin rewards platform GoSats receives Y Combinator backing", "url": "https://www.freepressjournal.in/business/bitcoin-rewards-platform-gosats-receives-y-combinator-backing", "date": "Feb 26, 2022" }, { "title": "Bitcoin rewards platform GoSats receives Y Combinator backing", "url": "https://ibsintelligence.com/ibsi-news/bitcoin-rewards-platform-gosats-receives-y-combinator-backing/", "date": "Feb 24, 2022" }, { "title": "[Tech50] This startup helps you win Bitcoin rewards when you use Swiggy, Bigbasket, Flipkart, Amazon, Myntra", "url": "https://yourstory.com/2021/11/tech50-startup-gosats-bitcoin-rewards-crypto-startup-swiggy-flipkart-amazon-myntra/amp", "date": "Nov 28, 2021" }, { "title": "Bitcoin rewards company GoSats raises $700,000 in seed funding", "url": "https://www.livemint.com/companies/start-ups/bitcoin-rewards-company-gosats-raises-700-000-in-seed-funding-11628064005908.html", "date": "Aug 04, 2021" } ], "launches": [] }, { "id": 26109, "name": "Poko", "slug": "poko", "former_names": [ "Shoppa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9223cea998383ca05659ccb9f8a005d117395d4.png", "website": "http://www.pokoapp.xyz", "all_locations": "Singapore, Singapore", "long_description": "Poko enables seamless transfers from local payment rails to web3 infrastructure enabling web3 wallets, marketplaces, games and DApps to acquire more users. With Poko’s SDK, web3 builders can easily enable fiat-to-crypto onramping with 100+ common local payment methods or easily pay for NFTs with local payment methods. Poko's fiat-to-cryptoonramp aggregator reduces onramping costs by up to 70% and increases transaction success rates by up to 5x through a smart routing logic and a single integration to multiple onramps. It's Direct Checkout solution enables one step purchasing from fiat payment rails from any smart contract for 79% higher user conversion. The co-founders’ experience includes being chief strategy officer of a $2.4B coincap protocol, leading technical implementation of Singapore’s central bank’s experiment in cross-border payments on blockchain rails, policy experience as payments task force member at the World Economic Forum, ex-Ethereum Foundation Fellow, and CTO of a 2M+ user play to earn game.", "one_liner": "Seamless Fiat Payments for Web3", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641453325, "tags": [ "Developer Tools", "Crypto / Web3", "Payments", "Gaming", "Creator Economy" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Geoffrey See was CSO and founding team member of a $2.4B coin-cap protocol in 2018-2019. He led technical implementation for Singapore’s central bank’s experiment with cross-border payment settlement on blockchain rails and was a taskforce member on Cross-Border Digital Payments and the Digital Currency Governance Consortium at the World Economic Forum. Van Tran headed growth and strategy for Netflix in Southeast Asia, Australia, New Zealand, Hong Kong and Taiwan with $1B+ in annual revenue. Daniel Le was a banking and payments engineer at a YC unicorn before becoming CTO of a Play to Earn game, scaling it to 2M gamers and a 100+ team within 1 year. They met in Vietnam through their common interest in cross-border payment problem in the gaming and entertainment sector and have worked together for over 2 years." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "We went through a pivot post-YC demo day from building DAO tooling to focusing on frictionless payments for web3. We saw that this was a pain point as more web3 products and services tried to reach a wider audience. We also had to navigate significant industry turmoil (Terra, FTX, Silvergate, Signature, Celsius…etc.) and were glad that we were able to do so with no direct impact on us or our finances." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Enabling cross-border payments that is cheap, fast and efficient on blockchain rails is a multi-trillion dollar industry with high take rates. We believe crypto wallets will be the financial infrastructure of the future - especially for a global community." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "The internet of money will be the financial infrastructure Gen Z and beyond grow up with. It will be democratic, accessible and deeply integrated into core internet infrastructure." } ], "url": "https://www.ycombinator.com/companies/poko", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/poko.json", "year_founded": 2021, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/pokoapp/", "x_url": "https://twitter.com/poko_app", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9223cea998383ca05659ccb9f8a005d117395d4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 855612, "full_name": "Geoffrey See", "title": "Founder", "founder_bio": "Chief Strategy Officer and founding team of $2.4B coin cap (at peak) protocol Zilliqa. Launched a digital identity product and onboarded 20M users in India/Vietnam in 1 year. I am a former Ethereum Foundation Fellow, World Economic Forum Council member for Cross-Border Digital Payments and Digital Currency, and a Kauffman Fellow. At Bain & Co., I worked on private equity, technology and retail. I graduated from Wharton and Yale.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/geoffreysee/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c6b3f176e34b4c222f3f7e101b933d66f2bcd6f.jpg" }, { "user_id": 641685, "full_name": "Sean Ang", "title": "Founder", "founder_bio": "Experienced community builder, obsessed over customer service excellence. \n\nBuilt a community for thousands of youth in mental health to communicate under one platform. Started a podcast on Facebook and Youtube to interview experts on healthcare communications and psychological well-being and brought together healthcare professionals to propose changes to the practice for healthcare professionals in Singapore. \n\nPassionate about human connection, customer service and an avid squash player. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/seanangsr/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/273b403b5f50567707492db3e616a34e0df350ca.jpg" }, { "user_id": 855990, "full_name": "Van Tran", "title": "Founder", "founder_bio": "Van Tran has spent the last 3 years leading marketing strategy and growth for Netflix Southeast Asia and Australia to establish Netflix presence and build up fan communities in the region. Previously, she worked on building student communities for the first liberal art college in Singapore Yale-NUS. She also has experience working in management consulting at Bain & Co. and product manager at Amazon.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tranngocvan210/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d9aac268a7a42907eff8d6d11c3fcfc5920796c5.jpg" } ], "jobs": [], "news": [ { "title": "Poko raises $4.5m to reduce Web3 payments friction", "url": "https://www.techinasia.com/poko-raises-4-5m-to-reduce-web3-payments-friction", "date": "Jun 14, 2023" } ], "launches": [ { "id": 71045, "title": "Poko - Onramp aggregator and direct checkout for web3 wallets & marketplaces", "tagline": "Onramp with 70% lower costs and 6x transaction success rates", "body": "Hi all! Geoffrey and Van from [**Poko**](https://Pokoapp.xyz) here! \\\n\\\nI (Geoffrey) was at Devcon in Bogota trying to top up my wallet. Used Moonpay - transaction failed. Used Transak - transaction failed. Used Coinbase Pay - transaction failed. Fiat to Crypto onramps [fail anywhere from 30% to 90% of the time around the world](https://www.pokoapp.xyz/post/success-rates-fiat-onramps). We solve this problem through our Onramp Aggregator and Direct Checkout.\n\n**TLDR**\n\nWe provide wallets and marketplaces infra providers with an [Onramp Aggregator](https://www.pokoapp.xyz/onramp-aggregator) - a single integration for all localized onramps enabling them to onramp with **local payments,** at up to **6x transaction success rates** and [**70% lower costs** than Moonpay/Transak](https://www.pokoapp.xyz/post/problems-with-onramps-fees). We also provide a [Direct Checkout](https://www.pokoapp.xyz/direct-checkout) on local payment rails for users to pay seamlessly into a smart contract (e.g. for NFT purchasing) without the user needing to onramp. This enables far higher user conversion and transaction success rates. Our payment solutions reach 16M+ active wallets.\n\n**Who is it for**\n\nOur users are wallets, marketplaces, wallet- and marketplace-infra providers, and games/DApps seeking a better payments experience and monetization from their end users. For infrastructure partners, we provide features that serve them especially well (e.g. dashboards and data/flexibility to meet multiple use cases) and a revenue share for them to scale with transaction volume.\n\n# \n\n# 💵 **How does it work?**\n\n**Onramp Aggregator**\\\nWe route users to onramps with the highest success rates and lowest transaction costs for a particular currency, payment method, and token for Everytime Lowest Prices. We bring onboard onramps focused on a single country as they provide the highest success rates. This is because localized onramps provide rates, payment methods, and KYC processes that work best for their market. Onramps compete to provide the best rate and highest transaction success. \\\n\\\n_Check out a live demo (and live rates) here:_ \\\n\\\n_Read the product docs:_\\\n\n\n![uploaded image](/media/?type=post&id=71045&key=user_uploads/855612/147e959f-afd1-43fa-9f66-4ff5088da633)\n\n_Live rates with a **1400 basis point difference** between the lowest cost and highest cost onramp (Brazil)!_\n\n**Direct Checkout**\\\nOne-step NFT purchasing using cards and popular payment rails from any wallet or on any marketplace. This enables users to frictionlessly purchase gaming NFTs or other digital goods without onramping (we automate the onramp and swaps and hide this from users). This increases paid user conversion in web3 by 79% as users use the payment rails most available to them and avoid unnecessary friction like KYC or complicated token purchasing and swaps.\\\n\\\n_Check out a demo in staging here:_ \\\n_Product documentation:_ \\\n\n\n![uploaded image](/media/?type=post&id=71045&key=user_uploads/855612/21f3d0f0-3b86-42a1-9133-13a2e1f90175)\n\n**Why we built** [**Pokoapp.xyz**](http://Pokoapp.xyz)\\\nWe believe in giving web3 wallets, marketplaces, and DApps bank-like superpowers by connecting them with local payment rails so that assets can move between tradfi payment rails to crypto rails seamlessly. We believe we are helping builders build the banks of the future - and better ones!\\\n\\\n**Our Ask**\n\nKnow a wallet, marketplace or DApp needing onramps? **Put us in touch** or better yet, **send them our demo** so that they can see for themselves how much their users can save using our Onramp Aggregator!\\\n\\\n**Contact us**\\\nReach out via TG (), email ([geoffrey@pokoapp.xyz](mailto:geoffrey@pokoapp.xyz)) or schedule something here: ", "url": "https://www.ycombinator.com/launches/ITt-poko-onramp-aggregator-and-direct-checkout-for-web3-wallets-marketplaces", "votes": 7, "created_at": "2023-04-18T19:24:33.277Z" } ] }, { "id": 26183, "name": "Pantore Pay", "slug": "pantore-pay", "former_names": [ "Smart Kitchen", "Pantore" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/65917590bece98a83ec996e2cd822a5946a8451e.png", "website": "https://www.pantorepay.com.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "Pantore Pay is the solution for restaurants cash flow issues and allows restaurants to shop for supplies and pay any other bills using Pantore's credit line.", "one_liner": "Working capital for Brazilian restaurants", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642009581, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "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/pantore-pay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/pantore-pay.json", "year_founded": 2020, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/pantorebrazil/", "x_url": "", "fb_url": "https://www.facebook.com/pantorebrasil", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/65917590bece98a83ec996e2cd822a5946a8451e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 806352, "full_name": "Yonathan Faber", "title": "Founder", "founder_bio": "Passionate about creating new products, solving problems through technology, and helping other companies succeed with new disruptive solutions. Developed three successful consumer products in Brazil that were used by millions of customers.\n\nCurrently living in São Paulo with my wife, son, and dog. Hit me up if you need help!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yfaber/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea71f4fb64faed15da1a48f341cb7e98e70f9b76.jpg" }, { "user_id": 560164, "full_name": "Renan Pupin", "title": "Founder", "founder_bio": "Computer Scientist & Entrepreneur", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/renanpupin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e42b5241a83b7468271b65ade1c0fbf26b8bd341.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26242, "name": "Finnix", "slug": "finnix", "former_names": [ "Aigis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/967086215a90a3a36d46b7d111b26a6b9df49c40.png", "website": "http://finnix.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Finnix is a financial technology solutions provider for Indonesian creative businesses. 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Founded & managed a software factory with several dev. & infra. teams across different time-zones while creating products that impacted +1.5M users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lupena/", "x_url": "https://twitter.com/luismiguelpg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4a11df4aae5ef38c978ad9cec55e5b54f10887d7.jpg" } ], "jobs": [], "news": [ { "title": "Our 11 favorite companies from YC's S22 Demo Day: Part 1 • TechCrunch", "url": "https://techcrunch.com/2022/09/07/11-favorite-yc-demo-day-s22-startups/", "date": "Sep 07, 2022" } ], "launches": [ { "id": 64717, "title": "Pana: Challenger bank for fastest-growing population in the USA 💵📲", "tagline": "Made for the 62M Latinos who have a $1.7T buying power and are mostly underserved 🚀", "body": "### **TL;DR:**\n\nBanking app for 62M Latinos in the US by a team out of Scotiabank’s Digital Factory & 3 consumer-focused Unicorns\n\n### **Problem**\n\nLatinos are all looking for a banking product that speaks to our needs and worries\n\n### **Solution**\n\n**We’re building a new banking experience that starts by solving key pain-points:**\n\n* Opening a **US-Bank account online** (linked to a Visa Debit Card) with just a passport instead of having to visit a bank branch with a painful paperwork when lacking an SSN\n* A friendly banking app with **Group Chats** we can join to lend or borrow money from each other **globally** instead of relying on Alternative Financial Services or cash\n* **Sending remittances in minutes with zero fees** vs paying on ave. 6% ($18 for the ave. $300 monthly remittance)\n\n### **Team**\n\nWe’ve previously built Digital Banking products for millions of customers in LatAm and have personally lived through the struggles of migrating to the USA.\\\n\\\nNow, we’re on a mission to remove financial barriers for Latinos in the USA and we’re doing it with a social approach because we all know that not everyone might need a bank, but everyone needs a Pana _(Spanish for pal)._\n\n### **Our ask:**\n\n* [Try out Pana](https://www.joinpana.com/) & help us spread the word ([IG](https://instagram.com/pana.app?igshid=YmMyMTA2M2Y=)/[FB](https://www.facebook.com/panaapp)/[in](https://www.linkedin.com/company/panaapp/)/[Twitter](https://twitter.com/joinpana))\n* Let us know of any business you know whose employees or potential buyers lack a bank account. Our product solves one of their biggest headaches", "url": "https://www.ycombinator.com/launches/Gpp-pana-challenger-bank-for-fastest-growing-population-in-the-usa", "votes": 60, "created_at": "2022-07-19T00:20:25.505Z" } ] }, { "id": 26658, "name": "Magic", "slug": "magic-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7c07bd32af8c505350f6f299e82710d7ff784503.png", "website": "https://www.joinmagic.com/", "all_locations": "", "long_description": "Magic is the next-generation platform for payments, loyalty, and rewards.", "one_liner": "Pay by Bank Platform", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1679893540, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "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/magic-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/magic-2.json", "year_founded": 2022, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/joinmagic/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/magic-8953", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7c07bd32af8c505350f6f299e82710d7ff784503.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 324390, "full_name": "Chetan Kulhari", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/chetankulhari/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5e4b463043563878db81b908bc7cbba9749d10a9.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26659, "name": "Weltio", "slug": "weltio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb7c309bff6f12dbf8b78ad14581d2fc53495f8.png", "website": "https://www.weltio.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Weltio gives users access to a fully fledged brokerage account in USD, through unique features such as local instant cash rails, a robo-advisor, and tailored portfolios for the LatAm user. Starting with MX we’re going after a market with a potential in AUM of >$60B and 40M accounts", "one_liner": "First LatAm W3 WealthTech for AutoInvesting in securities & crypto", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1657547591, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Retail" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Mexico", "Latin America", "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/weltio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/weltio.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/weltio/", "x_url": "https://twitter.com/WeltioApp", "fb_url": "https://www.facebook.com/weltioapp", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb7c309bff6f12dbf8b78ad14581d2fc53495f8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1007350, "full_name": "David Abusaid", "title": "Founder", "founder_bio": "David Abusaid holds a BS Civil Engineering from Tec de Monterrey and an MBA from IESE Business School in Barcelona. He has more than 12 years of experience providing consulting services to financial institutions, working in more than 15 countries globally with McKinsey & Company and Oliver Wyman in Mexico and Miami. David is one of the co-founders of Weltio, where he has been working for the last 9 months, leading the areas of Administration, Legal, Partnerships, Human Capital and Accounting.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/david-abusaid/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/90f139859c56aa48bcf349fda30ad0f4334f77eb.jpg" }, { "user_id": 1013260, "full_name": "George Marvin", "title": "Founder", "founder_bio": "George has over 4 years of product managment experience in fintech, working for Klarna and Wayfair in Berlin, previously he helped tradicional financial institutions embark on their digital transformations during his 8 years of consulting at McKinsey. He holds an MBA from London Business School, and BS in mechatronics engineering from Tec de Monterrey.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gcookmarvin/", "x_url": "https://twitter.com/georgecook", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/abfbfd7505780a63349dea5a8d5cfab302220375.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64327, "title": "Weltio - Wealth Management platform designed for Latin America", "tagline": "Providing access to global financial assets to grow wealth in Latin America ", "body": "Hey everyone! We are excited to launch [Weltio](https://weltio.com/) - a low cost platform designed for Latam users to open a brokerage account in US dollars for investment in US equities and 20+ cryptocurrencies. Weltio is built on an API first model that allows us to focus on the user experience by building features for the middleware and front end.\n\n**The Problem**\n\nThere is a historical challenge to create and transfer wealth through generations in Latin America.  There is a lack of access to world-class assets for the middle and middle-upper classes, costs are high, education is low, and customer experience is lagging behind advanced economies.  In the past 30 years, investing in the US markets has yielded a 5x benefit (adjusted for inflation), while in Mexico, as an example, yields negative returns.  \n\nThe chart below summarizes how big the overall disparity of investment outcomes between the investing in local assets vs. global assets:\n\n![uploaded image](/media/?type=post&id=64327&key=user_uploads/1007350/c3c8fb28-46bf-4251-abc6-1f397e15bd0a)\n\n**The Solution**\n\nWeltio allows users to open a brokerage account in the US in less than 5 minutes with a smooth onboarding process.  Once the account is open, users can fund their accounts with a domestic wire (in our initial geography Mexico, wires are made in MXN).  The user then receives a deposit in USD in their account in less than 30 minutes!  From their account they can invest in stocks and ETFs and buy/sell cryptocurrencies (20+ available) - we have zero cost for trading and have a very competitive commissions structure for crypto.  Additionally, we believe it is our duty to enable our users to make the best investment decisions by providing essential information and education modules for them to make the best decisions.\n\n![uploaded image](/media/?type=post&id=64327&key=user_uploads/1007350/4b06e230-dfb5-401f-88d0-0913e7c64b0b)\n\n**Background on the Idea and Founders**\n\nWeltio started in fall 2021, but the desire to give access to high-quality financial services to people in Latin America started years before that.  David has spent most of his professional career as a consultant for McKinsey and Oliver Wyman, advising financial institutions in more than 15 countries in 4 continents, where he has seen, first-hand, the vast difference in financial products and services offered.  George spent several years as a consultant for McKinsey, also advising financial institutions.  After deciding to leave for tech, he joined Wayfair and Klarna in Berlin, where he developed expertise in product.  David and George met more than 10 years ago at McKinsey, where they worked together on several projects and have remained good friends since then. \n\n**Asks for the Community**\n\nDownload the platform and tell us your thoughts! Although the platform is for now only covering Mexico, feedback on the platform helps us build a world-class product, ping us directly and we can provide a test-user account.\n\nIf you or someone you know offers API based investing, or yield as a service please reach out! We’d love to connect and explore a potential partnership going forward. \n\n**Reach Out**\n\nFeel free to reach out to us on social media: Instagram (@weltioapp), Facebook (/weltioapp), twitter (@weltioapp), LinkedIn (Weltio) or at: [founders@weltio.com](mailto:founders@weltio.com)", "url": "https://www.ycombinator.com/launches/GjX-weltio-wealth-management-platform-designed-for-latin-america", "votes": 32, "created_at": "2022-07-05T14:43:32.891Z" } ] }, { "id": 26661, "name": "Stream", "slug": "stream", "former_names": [ "Beam" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "website": "http://www.stream.claims", "all_locations": "San Francisco, CA, USA", "long_description": "At Stream, we’re on a mission to modernize the insurance industry. Our product—the Stream AI Claims Workbench—uses custom AI agents to turn a constant stream of PDFs into automated workflows and high-value signals. This helps claims teams focus on the human work—getting people the medical treatment they need and the benefits they’re owed—while reducing costs for insurance companies.", "one_liner": "The AI Claims Workbench automating insurance claims ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1656542941, "tags": [ "Fintech", "SaaS", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/stream", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/stream.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/streamclaims/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fed200ffe2e7cf2ea0699b0a0c072fb967cc94aa.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 986387, "full_name": "Eilam Levitov", "title": "Founder", "founder_bio": "Co-founder and CTO of Stream Claims, the AI platform for insurance defense. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/eilamlevitov", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/03f8cd6b78b61ea29f348cf34437350494e0d99c.jpg" } ], "jobs": [ { "id": 65425, "title": "Staff Software Engineer ", "url": "https://www.ycombinator.com/companies/stream/jobs/YHRZT8i-staff-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$210K - $265K", "equity_range": "0.25% - 0.75%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Python", "TypeScript", "DynamoDB", "Machine Learning", "Serverless" ] } ], "news": [ { "title": "Stream secures $5.3M seed for workers compensation documentation", "url": "https://www.axios.com/pro/health-tech-deals/2024/10/09/stream-seed-workers-compensation", "date": "Oct 09, 2024" } ], "launches": [ { "id": 65582, "title": "Stream ~ modernizing the workers' comp claim process", "tagline": "Automating claim adjuster workflows and producing better claim outcomes", "body": "Hey there 👋 We’re [@Eric Yen](https://www.linkedin.com/in/yeneric/) & [@Eilam Levitov](https://www.linkedin.com/in/eilamlevitov/) founders of [Stream](https://www.stream.claims/) (S22).\n\n**tl;dr**\n\nThe two of us are insurance and tech veterans innovating in commercial insurance claims. At Stream we automate the high-touch workflows workers’ comp claims adjusters do on a daily basis. Our platform saves adjuster time spent on repetitive tasks like calling and faxing, allowing the adjuster to focus on the high-value claim activities that improve the injured workers’ claim experience and optimize financial outcomes for insurance companies.\n\n**The Problem** 🤕\n\nWorkers’ Compensation (WC) insurance is a government-mandated program that provides benefits to workers who get hurt on the job. When a workplace injury occurs, a claim is filed on behalf of the injured worker. This claim pays out for the wages and medical treatment needed to get the employee back to work.\n\nToday, claim adjudication is a grossly manual process which involves adjusters spending the majority of their day either on the phone tracking down information or entering unstructured notes into legacy systems. The average adjuster handles 140 cases at any single time and takes 5 business days to respond to inquiries from injured workers.\n\nConsequently, the Injured worker is left alone to navigate an unfamiliar and complex claims process. Imagine feeling vulnerable with no clue how your bills will be paid. This pushes injured workers to the brink and inevitably to the front door of their local injury lawyer. In states like CA & FL, over one third of all WC claims are litigated - and the moment an attorney gets involved, that claim balloons 5x in cost.\n\n**\\~ Stream**\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/9172c9b2-5a9e-4064-80b6-d180a335c129)\n\nThe two of us met at Next Insurance, where Eric led WC product and Eilam led Risk Engineering. Eric also previously worked at Liberty Mutual as a WC claims adjuster for 5 years. At Next, we realized nothing has changed since Eric’s days as an adjuster and none of the automation we were building for the underwriting side exists in claims management today. That’s why we left to build Stream.\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/9c055997-8925-4c23-b75b-7117213d6550)\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/b33699f2-0c61-43aa-a3fc-a98ddeca5c3f)\n\nStream saves up to 40% of an adjuster’s time spent on the phone, sending faxes, and manually typing notes into their claim system. Moreover, we also improve the claim experience for the injured worker by providing real-time information such as claim status and financial updates, and help facilitate services such as transportation to doctors offices - all via text.\n\n**Our ask**\n\nKnow anyone working in commercial insurance or with experience in claims processing? We’d love an intro!\n\n\\\nFeel free to reach out to us - [founders@stream.claims](mailto:founders@stream.claims)\n\n\\\nThanks,\n\nEric & Eilam\n\n[www.stream.claims](http://www.stream.claims)", "url": "https://www.ycombinator.com/launches/H3m-stream-modernizing-the-workers-comp-claim-process", "votes": 34, "created_at": "2022-08-23T19:30:31.281Z" } ] }, { "id": 26681, "name": "Alma", "slug": "alma", "former_names": [ "Alma Financial", "Derisk", "Alma Financial" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/581364464788680f269b799b7681e692ba938361.png", "website": "https://www.myalmafi.com", "all_locations": "Seattle, WA, USA; Palo Alto, CA, USA; Remote", "long_description": "", "one_liner": "Gamified mobile banking app where people can win $1M every Wednesday", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1657738883, "tags": [ "Fintech", "Payments", "Gaming", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "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/alma", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/alma.json", "year_founded": null, "city": "Seattle", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/581364464788680f269b799b7681e692ba938361.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 972531, "full_name": "Agni Bhattacharya", "title": "Founder", "founder_bio": "Formerly product leader at Meta, Zynga and a series D fintech startup. Once ran a mobile gaming side hustle, in which I launched a word game and scaled it to over 1M users. Sold game IP to a gaming studio. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/agnib/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b0becf2263b26ba537ea2afb4046ddf2ce60e7a.jpg" }, { "user_id": 328719, "full_name": "Allison Bellows", "title": "Founder", "founder_bio": "Into math and its siblings", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/allison-bellows-533212123/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1c4c983927e47150ed6b5e66e65eb2fd3e6899e2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26704, "name": "Two Dots", "slug": "two-dots", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c738449ceac7bc3068c3a0510a285b6078503d.png", "website": "https://www.twodots.com", "all_locations": "San Francisco, CA, USA", "long_description": "We're building an AI consumer underwriting automation agent. ", "one_liner": "AI fraud prevention and underwriting agent", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1652906962, "tags": [ "Fintech", "Real Estate", "B2B", "AI", "ML" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "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": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "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. Still hard to believe the serendipity sometimes." } ], "url": "https://www.ycombinator.com/companies/two-dots", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/two-dots.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/two-dots-financial", "x_url": "https://twitter.com/TwoDotsFinance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c738449ceac7bc3068c3a0510a285b6078503d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 965090, "full_name": "Henson Orser", "title": "Founder", "founder_bio": "Building Two Dots - AI fraud prevention and underwriting agent. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henson-orser/", "x_url": "https://twitter.com/HensonOrser1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8ad18bb808ecb7004e70e21894f7eb49867be519.jpg" } ], "jobs": [ { "id": 76935, "title": "Product Engineer", "url": "https://www.ycombinator.com/companies/two-dots/jobs/ntVRsMt-product-engineer", "location": "San Francisco HQ", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$175K - $225K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Node.js", "PostgreSQL", "Python", "React", "TypeScript" ] }, { "id": 76936, "title": "Sales Development Representative", "url": "https://www.ycombinator.com/companies/two-dots/jobs/GxUeTh3-sales-development-representative", "location": "San Francisco HQ", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$85K - $125K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 76937, "title": "Member of the Technical Staff - Machine Learning", "url": "https://www.ycombinator.com/companies/two-dots/jobs/ohLqqLG-member-of-the-technical-staff-machine-learning", "location": "San Francisco HQ", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$350K - $400K", "equity_range": "0.10% - 1.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Torch/PyTorch", "Deep Learning", "Natural Language Processing", "Computer Vision", "LLMs" ] }, { "id": 95426, "title": "Chatbot Engineer", "url": "https://www.ycombinator.com/companies/two-dots/jobs/13hZxc3-chatbot-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$175K - $275K", "equity_range": "0.10% - 1.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Chatbots", "Prompt Engineering", "LLMs", "AI Agents" ] }, { "id": 95427, "title": "Backend Engineer - Document Processing and Workflows", "url": "https://www.ycombinator.com/companies/two-dots/jobs/upEi8yp-backend-engineer-document-processing-and-workflows", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$175K - $250K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Kubernetes", "PostgreSQL", "Python", "Distributed Systems", "Machine Learning", "Data Analytics" ] }, { "id": 104067, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/two-dots/jobs/NYVYkLL-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$275K - $300K", "equity_range": "0.10% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 64985, "title": "Two Dots - Income & Employment Verification for Lenders", "tagline": "Two Dots is making it easy for underwriters, starting with large apartment managers, to make sure applicants make enough money to afford their products (like apartment rentals)", "body": "### **The Problem**\n\nTraditionally when a consumer wants to borrow money, take out a mortgage, or rent an apartment, they need to provide the underwriter with a bunch of financial documents to prove they can afford the product.  This is a time consuming & fraud ridden process!\n\n### **Our Solution**\n\nTo solve this problem we’re first automating the process of verifying income and employment data for large property managers. 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": 26707, "name": "Chariot", "slug": "chariot-2", "former_names": [ "StreamD" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed1abcaa2a964bf97b774958baa4648406f9c9ca.png", "website": "https://givechariot.com/", "all_locations": "New York City, NY, USA", "long_description": "Chariot is building the financial infrastructure for the $326 billion donor-advised fund (DAF) market, the fastest-growing segment of philanthropy. Our gift processing platform is an end-to-end solution for managing DAF payments, making it easier for grantmakers to send grant payments and nonprofits to receive, reconcile, and enrich their donation data.\r\n\r\nChariot also powers DAFpay, the industry’s first integrated DAF payment option and a TIME’s Best Invention of 2025. It is embedded on over 100,000 nonprofits’ donation forms—including American Cancer Society, Memorial Sloan Kettering Cancer Center, and University of Pennsylvania—and is a primary payment option on leading fundraising platforms like GoFundMe and GiveButter.\r\n\r\nHundreds of millions are already moving through Chariot’s platform, and we’re just getting started.", "one_liner": "A payment network connecting nonprofits to the $326B in DAFs", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1656346176, "tags": [ "Fintech", "SaaS", "Payments", "Nonprofit", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/chariot-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/chariot-2.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/givechariot/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed1abcaa2a964bf97b774958baa4648406f9c9ca.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 859445, "full_name": "Salomon Serfati", "title": "Founder", "founder_bio": "Salo is the CEO of Chariot. Before Chariot, Salo was a backend engineer at BlackRock and a founding engineer at Forage (YCS21). Salo graduated from the University of Pennsylvania with a degree in computer science. Salo was a President Innovation Prize finalist and at the age of 18 co-built a roommate app with 5,000+ users in 2 months with 0 CAC, 5 interns & 50+ brand ambassadors. Salo was born in Caracas, Venezuela.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/salomon-serfati-8ba836112/", "x_url": "https://twitter.com/SalomonSerfati", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6e5b3972b1ff06e535249270bd3a19884a665f83.jpg" }, { "user_id": 1001037, "full_name": "Aaron Kahane", "title": "Founder", "founder_bio": "Aaron is the COO of Chariot. Before Chariot, he was a consultant at Bain & Company. At Bain, he worked for a $100B+ hedge fund looking at public equities in the tech/telecom space. Aaron graduated Summa Cum Laude from the University of Pennsylvania, receiving the highest distinction in his major. He also worked with Adam Grant on his NYTimes’ best-selling book Think Again and Angela Duckworth on her book Situated. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aaron-kahane-98a86013b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/376c6c6257490af2d28362c40d9c93fe2c05e803.jpg" }, { "user_id": 1018255, "full_name": "Drew Schneider", "title": "Founder", "founder_bio": "Drew is the Chief Product Officer of Chariot. Before Chariot, he was a consultant at Bain & Company. At Bain, he ran due diligence on software systems for top healthcare providers. Drew graduated Summa Cum Laude from Dartmouth College with a degree in Human-Centered Design. He has an extensive background in UI/UX and the design workflow process.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-schneider-130b77190/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b2b240c8df6a4150e9ceeb07cdf700457d9b57a.jpg" } ], "jobs": [ { "id": 100356, "title": "Mid-Market Account Executive", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/WkTULyy-mid-market-account-executive", "location": "Chariot HQ / New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100357, "title": "Chariot Labs Engineer", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/fWKWR2M-chariot-labs-engineer", "location": "Chariot HQ / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100359, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/fKCBk6n-backend-engineer", "location": "Chariot HQ / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100361, "title": "Partnerships", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/kyl3TnX-partnerships", "location": "Chariot HQ / New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103007, "title": "Senior Product", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/4gKgFrR-senior-product", "location": "Chariot HQ", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$190K - $240K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104034, "title": "Nonprofit Partnerships", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/PEq2ToG-nonprofit-partnerships", "location": "Chariot HQ", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105813, "title": "Software Engineer, Agentic Infrastructure", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/AdTPjZ7-software-engineer-agentic-infrastructure", "location": "Chariot HQ", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 105814, "title": "Backend Engineer, Payments", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/C4qKUdv-backend-engineer-payments", "location": "Chariot HQ", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 105815, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/5h3cGaq-software-engineer", "location": "Chariot HQ", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 105816, "title": "Site Reliability Engineer", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/nRqtMQX-site-reliability-engineer", "location": "Chariot HQ", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106176, "title": "Head of Product", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/wDahI0O-head-of-product", "location": "New York City", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$275K - $350K", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116838, "title": "Implementations", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/GVIFBKw-implementations", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120 - $170", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117098, "title": "Product Marketing", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/axfRmly-product-marketing", "location": "Chariot HQ", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$175K - $215K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117099, "title": "Content Marketing", "url": "https://www.ycombinator.com/companies/chariot-2/jobs/1Oyx4MN-content-marketing", "location": "Chariot HQ", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$125K - $165K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Our Investment in Chariot. At Maveron, we were at the frontlines… | by Maveron | Aug, 2024 | Medium", "url": "https://maveron.medium.com/our-investment-in-chariot-e356459cd15a", "date": "Aug 09, 2024" } ], "launches": [] }, { "id": 26713, "name": "Pasito", "slug": "pasito", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/99d6144bd15df315cd76d735be86467d893d772a.png", "website": "https://pasito.ai", "all_locations": "New York City, NY, USA; Remote", "long_description": "Pasito builds AI agents for insurance and benefits—transforming how benefits are built, delivered, and experienced.\r\n\r\nOur Core AI ingests and understands plan documents and employee census data to build structured benefit intelligence.\r\n\r\nOur Engagement AI Agents orchestrate complex workflows—powering decision support, plan comparisons, guides, highlight sheets, microsites, communications, claims reminders, RFP management, document audits, translations, and more—all from a single intelligent database.\r\n\r\nWith Pasito, carriers, brokers, and benefits vendors eliminate manual work, accelerate growth, and deliver the personalized benefits experiences employees deserve—all powered by compliant, scalable AI systems.\r\n\r\nBacked by Y Combinator, Core Innovation Capital, and other leading investors.", "one_liner": "AI agents for insurance and benefits", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1657142710, "tags": [ "Health Tech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/pasito", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pasito.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pasitoinc/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/pasito", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/99d6144bd15df315cd76d735be86467d893d772a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 685180, "full_name": "Pauline Roteta", "title": "Founder", "founder_bio": "Pauline is the co-founder and CEO of Pasito (YC S22). Before Pasito, she was a Senior Investor & Portfolio Manager at BlackRock. Pauline is a Certified Financial Planner®, CFA, Fulbright Scholar, and holds a B.Eng. from Vanderbilt University. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/paulineroteta/", "x_url": "https://twitter.com/PaulineRoteta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a062a622527c1764563cea9ac9b714f2985d6355.jpg" } ], "jobs": [ { "id": 88004, "title": "Fullstack Engineer - UI", "url": "https://www.ycombinator.com/companies/pasito/jobs/YOwfhsH-fullstack-engineer-ui", "location": "US / AR / BR / CO / MX / Remote (US; AR; BR; CO; MX)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $170K", "equity_range": "0.05% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "React", "TypeScript", "Next.js" ] }, { "id": 109817, "title": "Technical Product Owner", "url": "https://www.ycombinator.com/companies/pasito/jobs/ckQBGYP-technical-product-owner", "location": "AR / UY / BR / CO / MX / CL / Remote (AR; UY; BR; CO; MX; CL)", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$60K - $80K", "equity_range": "0.05% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 65910, "title": "Pasito - Saving companies and employees money on healthcare and payroll", "tagline": "We integrate payroll, financial, and claims data to optimize employee benefits coverage and utilization", "body": "**_Tl;dr:_** _Pasito uses personal health, payroll, and financial data to guide employees to elect and use their health and voluntary benefits. For companies, we drastically cut avoidable healthcare and payroll spending. For employees, we provide personalized guidance on their healthcare and benefits and save them time and money._ [_Connect with Pasito today._](https://joinpasito.com/)\n\n\\\nHi everyone, we are Pauline, Ignacio, and Julie and we're on a mission to improve financial and health outcomes for individuals and their families through smarter employee benefits elections and engagement.\n\n![](https://lh3.googleusercontent.com/7giIUNKO13jrLMyDx0uPrK4RUw-1oydIUD2hU9OKBjnmzA3uzPgvNQwBbwHEcanedgG8yBM3p_dO6c9USZ6rEfo6IipFoTHz0c1dL1hSu2tKXyxXL38uLZlB_q8q8aa_1rGz8Ks5say1sNxvJGsJOfkoyePM4h7xfJXO9bY6ZxoisJ7o065yFKY6ng)\n\n### **🧨 The Problem: Health and wealth benefits are a maze**\n\nEmployees blindly select their health and wealth benefits which means employees are often over-insured while under-saving for retirement. \n\nTake our client Sarah as an example. Sarah elects her company’s PPO health plan because she isn’t sure which option to choose. Based on her family’s income and health data, Sarah could have saved over $2,000 by electing and using an HSA-eligible health plan. These savings could have gone to paying for medical expenses, paying down debt, or saving for retirement.\n\nSince Sarah’s company pays 80% of health insurance premiums, they have also overspent $3,000+. \n\n### 🎉 **The Solution: Personalized benefits selection and engagement at scale**\n\nPasito saves companies money on healthcare and payroll by guiding their employees to make better and more efficient health and retirement benefits decisions. Our webapp uses company and personal data to optimize benefits coverage and help employees use their benefits year-round including: \n\n💼 Payroll data \n\n❤️ Health data \n\n🪙 Financial data \n\n👱🏽 Family data \n\n🏢 Benefits data \n\n![](https://lh4.googleusercontent.com/030tk1g9d968V-120hXBe5m-jxZMg2LhKWbhIU7CpTjlr_liNMDTlpgYYk0ehI7u2RSS2Wb8vpT_LAetNf1xRUMT5W9RQ1FIH69eTw21Uf87dEBGqVsG3veqIy7X6E7emdnCUaO71M2Wh41Dvc05bkU)\n\nUsing Pasito, **employees**: \n\n✔️ Save $2,000+ on average \n\n✔️ Finallyyyy understand how to use their benefits \n\nAnd **companies**: \n\n✔️ Save thousands (if not millions) of dollars on premiums, healthcare expenses, and payroll taxes \n\n✔️ Show the value of their full benefits package to employees and candidates\n\n✔️ Reduce the personal questions received from employees \n\n### \n\n### 💲**Opportunity: The thrilling scope and impact of our market**\n\nThere are 300 Sarahs in every company of 1,000 employees. That’s almost $1m in wasted health and benefits spend for Sarah’s company. \n\nAcross the US there are 48 million Sarahs and a mind-shattering $200+ billion is wasted each year from poor health insurance and benefits elections. This capital could instead be invested to deliver better financial and health outcomes, and to reduce the $190+ billion in US medical debt. \n\n \n\n### **👋** **Ask: How you can help**\n\n* Connect us to CFOs and HR leaders in your network. [Click here](mailto:pauline@joinpasito.com?subject=Connecting%20you%20to%20Pauline%20at%20Pasito). \n* Connect us to your insurance broker. [Click here](mailto:pauline@joinpasito.com?subject=Connecting%20you%20to%20Pauline%20at%20Pasito). \n* Give us product feedback as an employee user. Book a [15 minute demo here](https://calendly.com/juliescotland/15-minutes-pasito-demo-launch-yc?from=slack).", "url": "https://www.ycombinator.com/launches/H94-pasito-saving-companies-and-employees-money-on-healthcare-and-payroll", "votes": 274, "created_at": "2022-09-07T20:23:52.636Z" } ] }, { "id": 26716, "name": "erad", "slug": "erad", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d0ed957088f6e7aa3ae2c4441c38d0cfd8d0fe4.png", "website": "https://erad.co/", "all_locations": "Riyadh, Riyadh Province, Saudi Arabia", "long_description": "erad provides startups in the Middle East with non-dilutive growth capital. Connect your sales, marketing and banking data and receive an offer within 48 hours. Get access to key insights and analysis about your business.", "one_liner": "Non-dilutive funding and payments in the Middle East", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1653900418, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Saudi Arabia", "Middle East and North Africa", "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/erad", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/erad.json", "year_founded": 2022, "city": "Riyadh", "country": "SA", "linkedin_url": "https://www.linkedin.com/company/eradco/", "x_url": "https://twitter.com/geterad", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d0ed957088f6e7aa3ae2c4441c38d0cfd8d0fe4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 933968, "full_name": "Salem Abu-Hammour", "title": "Founder", "founder_bio": "Previously worked in M&A and banking, after working on an online coffee store with my current co-founder, Faris. Passionate about building, investing and data.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/salem-abu-hammour-8717a6100/", "x_url": "https://twitter.com/SalemAbuHammour", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d4a976255c2e39574f98dfecdf09782080fdc50b.jpg" }, { "user_id": 996951, "full_name": "Youssef Said", "title": "Founder", "founder_bio": "CTO, in charge of tech @ erad\nLed large scale e-commerce programs in the Middle East from idea to development, after spending 10 years in tech consulting and building products as an engineer in Europe.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/youssef--said", "x_url": "https://twitter.com/yucefucef", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c24a43eee29dfa2ee21c47df6fbd0729e7e57602.jpg" }, { "user_id": 696736, "full_name": "Faris Yaghmour", "title": "Founder", "founder_bio": "Accidentally launched my first business, a coffee e-commerce store, with my current co-founder Salem, 6 years ago! Then stumbled into the Financial services world and spent 4 years learning about product and operations in retail & corporate banking. I then joined a BNPL startup before founding erad.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/farisyaghmour/", "x_url": "https://twitter.com/farisyagh1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/83c73cd4a2596307853372ba6e6a3d0e7610517b.jpg" } ], "jobs": [], "news": [ { "title": "erad raises $2.4m in Pre-Seed", "url": "https://www.erad.co/announcing-our-pre-seed-round", "date": "Sep 19, 2022" } ], "launches": [ { "id": 65346, "title": "erad - Non-dilutive funding and payments for online businesses in the Middle East", "tagline": "We’re on a mission to grow the digital economy in the Middle East 🚀 ", "body": "Hey everyone 👋 \n\nThis is [Salem](https://www.linkedin.com/in/salem-abu-hammour-8717a6100/), [Faris](https://www.linkedin.com/in/farisyaghmour/), and [Youssef](https://www.linkedin.com/in/saidyoussef/) from erad. We are excited to share with you what we are building.\n\n**🤔 The Problem**\n\nOnline businesses face a capital problem with limited funding options. Equity is dilutive and debt requires assets and collateral that most online businesses do not have.\n\n**💡 The Solution**\n\nerad provides payment processing and non-dilutive funding to online businesses in the Middle East. We underwrite these businesses by accessing their accounting, sales, payments, and marketing data. \\\nOur process involves connecting to your systems and offering you financing in 48 hours. We automate repayments by processing your online payments.\n\n![](https://lh4.googleusercontent.com/cnoTXYLdFmVyHrMEKmtnjGvyZWEYq7aE88wSJ8n52N-uHOh7BIeNn7p2LzQ9fod_Jqb6aM1oElceC_SURl5v398hT5eMCyGkVG6MWIYtpJjFDrCUY6Kre6T_qWgDqeYbFzTgMrHoK-wKFqjl5Jyvrvo)\n\n**🕑 Our Backstory**\n\nBefore launching erad, we owned an online business that we sold due to the lack of capital. We then worked in banking, M&A and built enterprise e-commerce programs in the Middle East.\n\nLooking for alternative funding sources for your online business in the Middle East - [**Talk to us!**](https://calendly.com/d/dnn-tfb-wbn/erad-demo)", "url": "https://www.ycombinator.com/launches/Gzy-erad-non-dilutive-funding-and-payments-for-online-businesses-in-the-middle-east", "votes": 19, "created_at": "2022-08-13T17:06:42.461Z" } ] }, { "id": 26719, "name": "Alterya", "slug": "alterya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f7e22aa96dc1d6baabade2bc3dad88a3cdc9bb8.png", "website": "https://www.alterya.dev/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Alterya helps financial institutions, fintechs, and crypto service providers prevent APP fraud by detecting scams targeting their users and exploiting their platform.", "one_liner": "Protecting Humans from Scams", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1654343424, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Analytics", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "Israel", "Middle East and North Africa", "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/alterya", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/alterya.json", "year_founded": 2022, "city": "Tel Aviv-Yafo", "country": "IL", "linkedin_url": "https://www.linkedin.com/company/alterya/", "x_url": "https://x.com/AlteryaIO", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f7e22aa96dc1d6baabade2bc3dad88a3cdc9bb8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 646526, "full_name": "Elad Fouks", "title": "Founder", "founder_bio": "Cyber security group leader in 8200 unit. \nManaged cross-functional teams across R&D and intelligence personnel. \nA former senior officer in the special ops. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/elad-fouks-478a95110/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/50bd55cb78ac86812b7508a8f946b7936f9a2484.jpg" }, { "user_id": 1017622, "full_name": "Shahaf Gonen", "title": "Founder", "founder_bio": "Graduated from the Talipot Elite Program.\nLed a cybersecurity team in the 8200 unit, collaborating with R&D and intelligence teams.\nFormer Google employee.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shahaf-gonen-640998108/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/35d6415e90dbfc9ccb0bf0d85374d124d94ddc63.jpg" } ], "jobs": [], "news": [ { "title": "Blockchain Giant Chainalysis Acquires AI-Agent Startup Alterya - Business Insider", "url": "https://www.businessinsider.com/ai-agent-startup-alterya-acquired-by-chainalysis-2025-1", "date": "Jan 13, 2025" } ], "launches": [] }, { "id": 26724, "name": "Coupl", "slug": "coupl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "website": "https://coupl.money/", "all_locations": "Bengaluru, KA, India", "long_description": "Coupl is a digital joint account for Indian households. We help couples and families easily manage their shared and household payments from one shared account.\r\n\r\nOver 20 million Indians marry each year, creating a $300 billion market opportunity in household expenses. Couples juggle multiple accounts, cards, and expense-tracking tools. Joint accounts involve lengthy paperwork, rejections, and minimum balance requirements, making them inconvenient for modern couples. Beyond married couples, this need extends to engaged partners, live-in couples, roommates, and families seeking simpler ways to manage shared expenses.\r\n\r\nCoupl offers a digital, zero-balance joint account with co-branded debit cards and in-app bill payments, set up in just 60 seconds. Couples can use the account for all shared expenses, with an analytics dashboard to help them stay on top of their finances.\r\n\r\nCoupl is powered by RuPay, NPCI and IDFC FIRST Bank.", "one_liner": "Banking designed for Indian couples.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1659760442, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coupl", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coupl.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/coupl/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coupl", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b3df2abe96a583e926cf36673879189f640c4331.png" ], "primary_partner": null, "founders": [ { "user_id": 917079, "full_name": "Kushagra Manglik", "title": "Founder/CEO", "founder_bio": "Kushagra is the Co-Founder and CEO of Coupl. He graduated with a Bachelor's degree in Electrical Engineering from IIT Kanpur in 2019. \n\nHe was a Research Software Engineer at IBM Research for close to 2 years in their AI for Supply Chain team, building multiple production level APIs for some of the top retail companies in the lifestyle space. During his stint with IBM Research, he published multiple papers at Tier 1 Data Science conferences and has 6 patents to his name.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kushagra-manglik-906399120/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/867c39c3f919aceba379f291f7b2d20db48afffd.jpg" } ], "jobs": [], "news": [ { "title": "Coupl", "url": "https://www.forbes.com/profile/coupl/", "date": "May 30, 2024" } ], "launches": [ { "id": 76340, "title": "Coupl: India's first neobank for couples ❤️", "tagline": "We help couples easily manage their shared payments from one account.", "body": "Hi everyone!\n\nWe are Srini & Kushagra, co-founders of [Coupl](https://coupl.money)!\n\nCoupl is the easiest & fastest way for any couple to set up a joint account. Using the Coupl: Shared Banking mobile app, couples can open a joint account in under 60 seconds, with no paperwork and start managing money together.\n\n![](https://lh7-us.googleusercontent.com/xrKAKPYu3yoz_fDRCi8096hIMjB5riObQekHQmUq_SP43nRFJFw60bsgUY8xQNOtz6RpJ_QvzG9meJWUSCABLWQygq00kkN3iKFKXzZshEQKOhgvozi4uGa9eUV6p72__hrrOK3pXZ3TgYnglZCiWnQ)\n\n### 😤 **Problem**:\n\n### **Couples have evolved. Yet, the conventional joint account hasn’t kept pace.**\n\nToday, couples start managing expenses together well before tying the knot. They proactively track, split and settle shared expenses. Newlyweds are even more intentional about the way they manage home bills & shared expenses. They end up using multiple tools to manage their shared finances, such as, Splitwise, WhatsApp groups, Google Sheets or Notion.\n\n**So – why don’t people just use traditional joint accounts?** \\\n**Because they’re cumbersome to open & expensive to maintain.**\n\n* They’re only accessible to **married couples**\n* It takes **days** to open the account\n* High chances you’d have to **physically** go the bank\n* Even if you’re married, you’d need **matching** addresses/last names on your IDs\n* They come with **high minimum balance** requirements\n* They come with **zero expense management** features\n* Extremely **outdated** user interface\n\n### \n\n### **💡 Solution:**\n\n### **We fixed the joint account!**\n\nUsing the Coupl: Shared Banking app, you can set up a **zero-balance joint account in under 60 seconds**, and start managing all your shared expenses from it! We offer **two linked RuPay cards** for payments, easy **in-app utility bill payments** and a host of **budgeting & expense categorisation features** that make sense when you’re playing ‘multi-player’ finance **💍**\n\n![](https://lh7-us.googleusercontent.com/Th5KLEre8BlwMIYmvKvbKvAcjE9FAiem4qGFf-MYiC5ZJKwI-f7YCegjKM33AzOGnxUidkKsay7gGXGES2XG-05dMgyI7LXgb04etFulYT6u9EOWmD4QmERmthvJOOq-XaxnNULQ-aH98kkGuMl0HRQ)\n\n🤺 **How we compare against traditional joint accounts:**\n\n![](https://lh7-us.googleusercontent.com/xX6TRPbrReV95MrvdTaYcLP7oDwOgPvJ4WgJP1S6RbtSBetaBrG4iMnDS6XGYDyuqVMvijUlKE3yyMH5HdsiAuwGRYIK_SYN9ZqQbuuRKxyIHE02j-VONUs3S3pp6IygSKGG5Ym7UoJ57Kck-xZ1TE4)\n\n### \n\n### **🚀 Early Traction**\n\nWith over **10M weddings taking place in India each year**, and a growing consumer preference for digital payment products in India - we think we’re the right solution for a large market.\\\nSince our low-key launch in September 2023, we’ve opened **8,000 joint accounts** and processed transactions worth over **$400K**. With no advertising spend.\n\n### **👨‍💻 Meet the Team**\n\nKushagra & I founded [Coupl](https://coupl.money) in 2022.\n\nWe’re alums of **IIT Kanpur** and **BITS Pilani**, and have extensive experience in business, finance & technology – having worked at blue-chip management consulting firms and large technology companies.\n\nWe are also engaged & in a live-in relationship with our respective partners, and have spent countless hours in tracking and managing shared expenses. We soon learnt that managing money was the most cited pain-point in long term relationships. Today, our goal with Coupl is to bring the best of technology and banking to modern couples in India – to make shared payments easier.\n\n### 💜 **Want to try out Coupl?**\n\nThe Coupl: Shared Banking app is available across the App Store and Google Play. [Link to Download](https://tinyurl.com/CouplLaunchYC).\n\n**Scan to Download**\n\n![uploaded image](/media/?type=post&id=76340&key=user_uploads/980959/88baff20-45d6-4ced-8773-0602d9ad30f1)\n\nWe’re always taking feedback on how we can make Coupl even better for you.\\\nReach out to us at [hello@coupl.money](mailto:hello@coupl.money)!\n\n### 👋 **Social Connect**\n\n* [Website](https://coupl.money)\n* [LinkedIn](https://www.linkedin.com/company/coupl)\n* [Instagram](https://www.instagram.com/paywithcoupl/)\n* [Srini’s LinkedIn](https://www.linkedin.com/in/srinivas-sarkar/)\n* [Kushagra’s LinkedIn](https://www.linkedin.com/in/kushagra-manglik-906399120/)", "url": "https://www.ycombinator.com/launches/JrI-coupl-india-s-first-neobank-for-couples", "votes": 14, "created_at": "2023-11-20T15:49:15.779Z" } ] }, { "id": 26725, "name": "CODEXA", "slug": "codexa", "former_names": [ "Kapstar", "ECSA", "E C S A", "KAPSTAR TECHNOLOGIES", "ECSA" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/315e211ddda1814fa9db4077702d9dd3f91a8723.png", "website": "https://codexa.com.br", "all_locations": "Manaus, AM, Brazil", "long_description": "Our agents run tax, customs clearance, and supply chain workflows, helping companies navigate complex regulations and reduce the cost of international trade. By running these operations, Codexa becomes the natural platform for customers’ payments and foreign exchange.\r\n\r\nWe execute transactions through our own financial institution, regulated by the Central Bank of Brazil, connecting operational workflows directly to financial infrastructure. Customers approve payments, and Codexa moves the money through traditional and stablecoin rails.\r\n\r\nToday, 51 enterprise customers use our agents, and 84% have adopted our financial products. We process approximately $800M in monthly financial volume, including $160M settled through stablecoins. Our customers include Fortune 500 and Global 500 companies.", "one_liner": "The AI-native financial platform for enterprises", "team_size": 38, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655314683, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Supply Chain", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "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/codexa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/codexa.json", "year_founded": 2022, "city": "Manaus", "country": "BR", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/315e211ddda1814fa9db4077702d9dd3f91a8723.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": 1015898, "full_name": "Joao Victor Aguiar", "title": "Founder", "founder_bio": " ECSA Co-founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jo%C3%A3o-aguiar-8663b5230/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bb0d6a927ec9654cd8adaa0f87ab35c2e9986e0e.jpg" }, { "user_id": 996660, "full_name": "Rodrigo Marino", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rodrigomfogaca/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c815d0123b3891d46475d35b56ba0feb83773903.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26727, "name": "Moneco", "slug": "moneco", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "website": "https://moneco.app/", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed. ", "one_liner": "Neobank for African migrants in Europe", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1657033408, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moneco", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/moneco.json", "year_founded": 2022, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/monecohq/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 932567, "full_name": "Shams Radjabaly", "title": "Founder", "founder_bio": "Born and raised in Madagascar, educated in France, lived in Singapore and the US, worked in Morocco, I thrive in an international setting.\nI have worked in the financial markets and in management consulting, and want to make the best use of my experiences to build an outstanding banking product for the African diaspora.\nApart from that, I am passionate about food (both cooking and eating it !)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shams-radjabaly/", "x_url": "https://twitter.com/shamsradja", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/82c4b28958d0131c95ee2fea5920c165221bbb3c.jpg" }, { "user_id": 1028544, "full_name": "Bilal Dahlab", "title": "Founder", "founder_bio": "My name is Bilal Dahlab, I have a multicultural background (Algeria, England, Italia) and grew up in a popular neighborhood in Geneva. \n\nI have a business profile with some knowledge in technology, gathered some experience in strategic consulting, finance, energy and blockchain. Today, my goal is to financially serve African communities in Europe, and then in Africa where we have bigger challenges!\n\nI spend most of my freetime with my friends, I like rap/hip-hop, football (soccer) and boxing. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bilal-dahlab-3a98a243/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d87776b24d74caed99c9a67e7d296b19190d3e30.jpg" }, { "user_id": 1030365, "full_name": "Kuassi Jimmy Kumako", "title": "Founder", "founder_bio": "I’m Jimmy, I was born in Benin, grew up in several countries across West Africa. I’ve worked with some great startups like Paystack, co-founded some (CoinAfrique…) and also with larger institutions such as IFC. \nMy main focus is to build products to solve some of the most challenging issues African communities are facing in and beyond Africa\n", "is_active": true, "linkedin_url": "http://linkedin.com/in/jkumako", "x_url": "https://twitter.com/KuassiKumako", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/68a3a074e3696c1e7d512296996d8c87216d6e55.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26743, "name": "EthosX", "slug": "ethosx", "former_names": [ "Ethos" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/996567c41c2cfe38cba0451d132a3ac62a13e9ec.png", "website": "https://www.ethosx.finance/", "all_locations": "Claymont, DE, USA; Bengaluru, KA, India; Mumbai, MH, India; Remote", "long_description": "EthosX is a decentralized finance platform creating end-to-end financial derivatives on blockchains. No centralized exchanges, clearinghouses, depositories, clearing banks, CSD participants etc. required.\r\n\r\nWe are starting with cryptocurrency options first, with the intention to move towards other crypto derivatives and traditional finance derivatives eventually.\r\n\r\nFor example, one can buy a bitcoin hedging token directly from EthosX without involving any exchange or counterparty and earn profits when the bitcoin price is falling (similar to a put option). It is perpetual and is completely on-chain, end-to-end. It is held as a token in wallets and can be sold/transferred to anyone at any time.\r\n\r\nAt institutional level, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk.\r\n\r\nWe are also providing derivatives infrastructure to other crypto companies who want to use these products as a part of a larger package to their customers.\r\n\r\nGlobal derivatives ecosystem is broken. Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. Crypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences.\r\n\r\nWe at EthosX intend to pick the best of both worlds and change the way retail and institutional financial derivatives are traded world over.", "one_liner": "The protocol for derivatives on blockchains", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657620541, "tags": [ "DeFi", "Fintech", "Crypto / Web3", "Consumer", "B2B" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ethosx", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/ethosx.json", "year_founded": 2022, "city": "Claymont", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ethosx/", "x_url": "https://twitter.com/ethosx_finance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/996567c41c2cfe38cba0451d132a3ac62a13e9ec.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": 626077, "full_name": "Deepanshu .", "title": "Founder", "founder_bio": "Deepanshu is Co-founder and CEO of EthosX. He has been a quantitative finance professional for over 8 years. He is very passionate about using the blockchain technology generally and cryptocurrencies specifically to solve real world problems, especially problems related to financial markets. He was Vice President of Quantitative Research in the Global Derivatives Clearing business at JP Morgan Chase before EthosX . He studied engineering at IIT Kharagpur and obtained his MBA from IIM Calcutta.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/deepanshu1/", "x_url": "https://twitter.com/deepanshuiitkgp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a46bbc8657e6b1f6d4db85c4c6f2938b998912a2.jpg" }, { "user_id": 1010765, "full_name": "Smit Patoliya", "title": "Founder", "founder_bio": "Smit did B.Tech. in Chemical Engineering from IIT Madras. He has worked in quantitative finance most of his career and has keen interest in financial derivatives. At EthosX, he aims to build end-to-end derivatives solutions on blockchain.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/smit-patoliya", "x_url": "https://twitter.com/Smit_Patoliya", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/241179272bc4cbb33dde06052094b1df00b1f51a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65269, "title": "EthosX: Decentralized finance platform for crypto & traditional derivatives", "tagline": "We make it unbelievably easy for financial institutions to trade derivatives and manage financial risk", "body": "Hi all, we are [Smit](https://www.linkedin.com/in/smit-patoliya/) & [Deepanshu](https://www.linkedin.com/in/deepanshu1/) and we are super stoked to announce EthosX!\n\n### \n\n### 🚀TL;DR\n\n \n\nEthosX makes it easy for crypto companies and financial institutions to sell on-chain derivatives to their customers and trade with each other. For example, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk.\n\n \n\n### ❓Problem\n\n \n\n**Global derivatives ecosystem is broken.** Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. This leads to inefficiencies and things falling apart every other day. As insiders, we have seen how much everything hangs by a thread. With **USD 600 Trillion dollars (notional value) at stake**, one would expect things to be better, but they aren’t.\n\nCrypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences, as was clearly evident in the last few months. With every other crypto exchange/bank running away with user’s funds, one can hardly blame the users/traders/investors if they don’t trust centralized entities for complex products like derivatives.\n\n### 🎯Solution\n\n \n\nWe are bringing the entire derivative trading lifecycle on blockchains end-to-end (trading, clearing and settlement).\n\nInstitutions can trade directly with each other on-chain via smart contracts created by us without involving any banks, brokers or exchanges. These trades have zero counterparty risk as the net payoffs are locked in the code. The settlement of these derivatives is automatic and done with the help of on-chain oracles and therefore the settlement risk is also zero. \n\nWe are also adding a Request-For-Quote system which will help bring more liquidity to these trades.\n\nNow, due to regulatory and technical reasons, this cannot be done yet for traditional finance derivatives, so we are starting with cryptocurrency derivatives first and will eventually go towards traditional finance as well.\n\nWe are providing derivatives infrastructure to other crypto companies as well who want to use these products as a part of a larger package to their customers. E.g. DeFi lending protocols can offer liquidation protection to their borrowers using our solutions.\n\nWe have also created perpetual options which are live (testnet) on our website and can be traded by retail traders and institutions alike. The instructions to trade them are [here](https://youtube.com/playlist?list=PL7wovngMr1uo6ZpBB_1fSluC1bLJnq5DK). \n\n \n\n### 📒Backstory\n\nTogether we have spent nearly 15 years in quantitative finance and have seen, very closely, all the points where the derivatives ecosystem falls apart. Deepanshu was a Vice President at the Quantitative Research team of JP Morgan Chase and Smit was working at a quantitative hedge fund trading options before they came together again for EthosX. **It is kind of an open secret that blockchain tech can potentially eliminate many of the issues in derivatives life-cycle which have persisted for years/decades.**\n\n ‘\n\n# 💁How can you help\n\n \n\n1. If you are at a financial institution and want to understand how large derivative trades can be done on-chain with no settlement risk and zero counterparty risk, please reach out to us at [contact@ethosx.xyz](mailto:contact@ethosx.xyz) or directly [message us on Linkedin](https://www.linkedin.com/in/deepanshu1/)\n2. If you are at a crypto company/protocol and need to use crypto derivatives for hedging your treasury or offering some price-volatility-protection to your customers, we will be happy to help! ([email](http://contact@ethosx.xyz) / [Linkedin](https://www.linkedin.com/in/deepanshu1/))\n3. If you are a trader, please try out our (testnet) perpetual options at [www.ethosx.xyz](http://www.ethosx.xyz) (metamask required)", "url": "https://www.ycombinator.com/launches/Gyj-ethosx-decentralized-finance-platform-for-crypto-traditional-derivatives", "votes": 207, "created_at": "2022-08-10T14:31:41.732Z" } ] }, { "id": 26749, "name": "Ballerine", "slug": "ballerine", "former_names": [ "Whis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40c2e4d4f16e7f43d9fe9f060296b72b7d16de22.png", "website": "http://www.ballerine.com", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Ballerine is an AI-native risk intelligence platform built for financial institutions, acquirers, and payment providers that need to underwrite and monitor merchants at scale in real time.\r\n\r\nInstead of relying on fragmented point solutions, Ballerine unifies data from business registries, transaction patterns, sanctions lists, and web intelligence into one composable infrastructure. \r\n\r\nIts AI Agents continuously analyze these signals to deliver dynamic and explainable risk assessments across the merchant lifecycle.\r\nWith a modular architecture, teams can automate underwriting, detect emerging risks, and monitor merchant behavior while aligning to their own policies and compliance frameworks.\r\n\r\nUnlike traditional systems with static models, Ballerine’s AI Agents learn and adapt from live data, uncovering changes in merchant behavior that indicate fraud, laundering, or non-compliance.\r\n\r\nAlready deployed across multiple regions, Ballerine has enabled acquirers and fintechs to accelerate underwriting decisions, reduce manual reviews, and cut false positives, redefining how modern institutions manage merchant risk.\r\n", "one_liner": "Agentic Intelligence Layer for Merchant Risk Decisions", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659913917, "tags": [ "Compliance", "Fraud Detection" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Israel", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ballerine", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/ballerine.json", "year_founded": 2022, "city": "Tel Aviv-Yafo", "country": "IL", "linkedin_url": "https://www.linkedin.com/company/ballerine-inc", "x_url": "https://twitter.com/Ballerine_io", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/40c2e4d4f16e7f43d9fe9f060296b72b7d16de22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 401171, "full_name": "Noam Izhaki", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/noamizhaki/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c579c0b3b08b74017abe8932ade3b8edb58f4159.jpg" }, { "user_id": 996688, "full_name": "Nitzan Gelbard", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nitzan-guy-63ba9142/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/382b0f2b170e6614de85751f93dd6d2403553057.jpg" }, { "user_id": 813430, "full_name": "Alon Peretz", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alonp", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8da0d4f745c4bfc59a3cd15c37ecb6059add34e2.jpg" } ], "jobs": [], "news": [ { "title": "Ballerine brings open source to banks' risk and identity decision-making | TechCrunch", "url": "https://techcrunch.com/2023/05/23/ballerine-brings-open-source-to-banks-risk-and-identity-decision-making/", "date": "May 23, 2023" } ], "launches": [ { "id": 74539, "title": "Ballerine: Open-source & global KYB platform, now with LLM-based OCR!", "tagline": "LLM plugin with OCR capability that can scan various document types (e.g. bank statements, utility bills, etc.) in different formats and languages ", "body": "So, it’s not new that Ballerine is a global platform for KYB (Know Your Business), built on top of open source core. But — we’ve just released a new LLM OCR plugin 🚀\n\nOne big challenge of KYB is managing documents in different formats and languages. We’ve built a new LLM plugin with OCR capability that can scan various document types (e.g. bank statements, utility bills, etc.) in different formats and languages and map the information to the appropriate fields, which allows you to apply rules on top of it. \\\n\\\n[Watch the demo](https://www.youtube.com/watch?v=YbCNExY4wzY) and let us know if you’d like access!\n\n[Founders@ballerine.com](mailto:Founders@ballerine.com)", "url": "https://www.ycombinator.com/launches/JOF-ballerine-open-source-global-kyb-platform-now-with-llm-based-ocr", "votes": 8, "created_at": "2023-08-31T16:30:57.749Z" }, { "id": 65187, "title": "Ballerine: Open & self-served user risk decisioning platform", "tagline": "Automate your decisions for onboarding, transaction monitoring, credit underwriting, and more, without boundaries.", "body": "Ballerine is the first Open Source Infrastructure for Identity and Risk management.\n\n**TL;DR: Ballerine is an Open Source Infrastructure for Identity and Risk management.**\n\n**Use Ballerine to get:**\n\n* **KYC/KYB UI flows**\n* **A case management dashboard for manual user approval**\n* **Integrations with identity verification providers**\n* **A rule engine to automate your decisioning process.**\n\n**All are open for you to customize and extend to your needs.**\n\nCompanies offering financial services need to identify their customers and assess their risk to avoid fraud and money laundering.\n\nEach company has different audience types, services offered, geographies in which they operate, changing regulations, risk appetite, and more\n\nThis means every company needs to take different risk measures, and wants to provide different experiences to their customers.\n\n### Problem\n\nThe vendors in the market today offer solutions that are:\n\n1. **Closed** - The solutions in the market come with minimal customizability, you can’t change things to fit your changing needs, making it not future-proof.\n2. **Single point solutions** - to cover the whole range of a company’s specific needs it would need to put in extra work instead of focusing on its product.\n3. **Not white label** - The user experience and trust level of a company’s user is hurt by going through a flow that doesn’t look like the rest of the product.\n\n### Solution\n\nBallerine helps you build your KYC/KYB and risk workflows using open-source building blocks for user identity and risk management.\n\nAllowing any business to compose solutions for any vertical and geographical-specific use case.\n\n**Why Open Source?**\n\n* Future proof - modular and extendable building blocks\n* Global - Multiple vendors are accessible in one UI\n* White label - Customizable UX and UI\n* Strong and secure - Tested and maintained by the community\n\nAll of those provide a flexible, long-term solution that won't fail you along the way.\n\n**What is included**\n\n* KYC/KYB UI flows\n* A case management dashboard for manual user approval\n* Integrations with identity verification providers\n* A rule engine to automate your decisioning process\n\n**Examples**\n\nCompanies who already used Ballerine were able to create various solutions like:\n\n* Low-cost KYC solution made out of Identity verification building blocks\n* Multi-vendor KYC flow for users from multiple geographies\n* KYB document collection flow with UI and case management dashboard\n* Vendor-agnostic UI for a company where multiple bank partners that are approving their users\n* And more.\n\n### Build with Ballerine\n\nIn the upcoming weeks, we’ll be gradually releasing our code to our public repository for you to be able to start building with.\n\nLearn more about the project here: \n\nYou can already sign yourself up to get early access [here](https://ballerine.io/request-access)\n\nFeel free to reach out to us at [noam@ballerine.io](mailto:noam@ballerine.io).\n\nWe would love to talk to you and get your feedback regarding what we’re building.\n\nThank you,\n\nNoam, Alon, and Nitzan from Ballerine.", "url": "https://www.ycombinator.com/launches/GxP-ballerine-open-self-served-user-risk-decisioning-platform", "votes": 27, "created_at": "2022-08-07T22:37:45.445Z" } ] }, { "id": 26755, "name": "Sunlight", "slug": "sunlight", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "website": "https://www.sunlightapi.com/", "all_locations": "New York City, NY, USA", "long_description": "Sunlight moves B2B payment volume onto card without asking a single supplier to onboard. Our AI agents determine where a bill can be paid by card without a surcharge, then execute that payment through the vendor's own billing or AR portal, returning a confirmed status, receipt, and structured remittance data through a single API.\r\n\r\nFor decades, moving invoice spend onto card meant building a rail or signing suppliers up one at a time. Both are slow, and both leave most of the volume behind. Sunlight takes a different path. Because our agents pay through the portals suppliers already use, the network reaches every supplier without any of them having to join it.\r\n\r\nAP platforms and bank card programs issue their own cards, send them to us, and capture the interchange on volume that would otherwise have defaulted to ACH or check. We are the AI infrastructure layer that makes that volume reachable.", "one_liner": "The intelligence and execution layer for agentic B2B card payments.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655927638, "tags": [ "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/sunlight", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/sunlight.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1011212, "full_name": "Guy Ziv", "title": "Founder", "founder_bio": "Guy Ziv is the Co-Founder and CEO of Sunlight, a seasoned business executive, and entrepreneur with a wealth of experience in introducing disruptive technologies to medium and large financial institutions worldwide. With a robust background in product delivery, sales strategy, and execution, Guy has a track record of successfully forming dozens of strategic partnerships and delivering innovative solutions in the ever-evolving realm of financial technology.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gyziv/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c49dd8bc0702a87f80cbb6331634982b6af24730.jpg" }, { "user_id": 982039, "full_name": "Leo Chanea", "title": "Founder", "founder_bio": "Product executive, entrepreneur & community expert with a versatile experience in building sticky products. Ex-Moovit (acquired by Intel)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/leo-chanea-12545a40/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/28249bc497dcd3feb417fef1d8ca76af8717c82b.jpg" }, { "user_id": 1012285, "full_name": "Gil Peretz", "title": "Founder", "founder_bio": "Gil Peretz is an experienced and passionate entrepreneur in the tech space. With a background in R&D, he has held positions such as Group Manager at Moovit, and has a wealth of experience in building high performance systems serving 1B+ users. His expertise spans from integrating systems, data scraping, and modeling on a large scale.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gil-peretz-25404031/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32ba083e8ed95a9680b22f5087e897c963f4ab84.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64261, "title": "Sunlight🔆- The Universal Card-on-File API", "tagline": "Meet Sunlight, the API to change the card-on-file with apps and subscription services.", "body": "Guy, Gil and I are thrilled to introduce [Sunlight](https://www.sunlightapi.com/) to help Fintechs automatically make their cards top-of-wallet immediately after they're issued! \\\n\\\n**Card-on-file is the digital commerce growth engine:**\n\n82% of consumers use digital payments. Merchants, service providers and subscriptions-based businesses everywhere now offer their customers the ability to save a debit/credit card on file, so they can pay their bills on time, buy in one click, or earn rewards. And globally, 79% of consumers currently have saved a card on file or are open to doing so.\n\n\\\n**The Problem:**\n\nIn recent years, card-issuing-as-a-service has made it easy for any company to start their own card business, leading to an all-time high in the number of cards issued in 2021. For users, however, switching banks or opening a new credit card account comes with an additional hurdle: they need to update their payment info across multiple services. And on the other side of the equation, financial institutions that are issuing those cards are struggling to get their users to switch their spend from their old card to the new one. FIs have a very low conversion rate because they have no visibility and no control over the card-on-file updating process.\n\n**The Solution:**\n\nWith our universal get-your-card-on-file API, FIs can offer their users at any point in their journey a quick and easy way to update their debit/credit card info everywhere they shop or pay online, without ever leaving their Apps. The Sunlight API works on every platform that has a card-on-file option (think Uber, Amazon, Netflix, DoorDash, Starbucks and so many more…), is as seamless as a Plaid connection, and always gets the card number right and CVV code on the first try!\n\n\\\n**Our Ask**\n\nIf you’re offering cards to your users and want to increase the usage of those cards to generate more revenue, email [founders@sunlightapi.com](https://mailto:founders@sunlightapi.com) to skip the waiting list and start using our API!\\\n\\\nCheck out our website: [sunlightapi.com](https://www.sunlightapi.com/)\n\n🚀☀️", "url": "https://www.ycombinator.com/launches/GiT-sunlight-the-universal-card-on-file-api", "votes": 98, "created_at": "2022-07-01T13:10:07.642Z" } ] }, { "id": 26764, "name": "Tranch", "slug": "tranch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8b861c2c1bab1a070d8a629f1ffa13248ae51a6.png", "website": "https://tranch.com", "all_locations": "London, England, United Kingdom", "long_description": "Tranch is the invoice to payments platform for enterprises who want to optimize cash flow by offering their business clients an unparalleled payment experience.\r\n\r\nBased out of New York City and London we enable Services firms, software and marketplaces to be paid faster via our automated invoice to payment solutions. Our frictionless payment methods include Pay Now via FedNow, Pay by Card, Pay by Crypto and Pay Later from 2 to 12 months up to $1M.\r\n\r\nFind out more about how we simplify and accelerate accounts receivables for enterprises with the most innovative workflows and payment solutions at www.tranch.com.\r\n\r\nTranch is backed by leading investors including: Global Founders Capital, TracVC, UpHonest Capital, Soma Capital, FoundersX and Y Combinator.", "one_liner": "Tranch is the invoice to payments platform for enterprises.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1652970732, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tranch", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/tranch.json", "year_founded": 2021, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/tranch", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tranch", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8b861c2c1bab1a070d8a629f1ffa13248ae51a6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1011313, "full_name": "Philip Kelvin", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/philipkelvin", "x_url": "https://twitter.com/PKelvin7", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ad5d938309704bef472c5b4ef35a656a1da8346a.jpg" }, { "user_id": 1014990, "full_name": "Beau Allison", "title": "Founder", "founder_bio": "CTO and Co-Founder of Tranch (YC S22)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/beauallison/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/63e888d326451cd91ec23f3a0fcc0b4924892518.jpg" } ], "jobs": [], "news": [ { "title": "Elite Acquires Tranch to Streamline Payments for Law Practices", "url": "https://www.pymnts.com/acquisitions/2025/elite-acquires-tranch-to-streamline-payments-for-law-practices/", "date": "Jan 06, 2025" }, { "title": "Breef Adds Payment Infrastructure to B2B Marketplace for Agencies", "url": "https://www.pymnts.com/news/b2b-payments/2023/breef-adds-payment-infrastructure-to-b2b-marketplace-for-agencies/", "date": "Jun 05, 2023" }, { "title": "The 10 fastest growing startups in the UK | Sifted", "url": "https://sifted.eu/articles/10-fastest-growing-startups-uk", "date": "May 28, 2023" }, { "title": "B2B BNPL platform Tranch raises $100 million in debt and equity", "url": "https://www.finextra.com/newsarticle/41656/b2b-bnpl-platform-tranch-raises-100-million-in-debt-and-equity", "date": "Jan 24, 2023" }, { "title": "Tranch Offers BNPL for Goodwin Law Firm | PYMNTS.com", "url": "https://www.pymnts.com/news/b2b-payments/2022/tranch-offers-bnpl-for-law-firm-goodwin/", "date": "Nov 29, 2022" } ], "launches": [ { "id": 64690, "title": "tranch - B2B Buy Now, Pay Later for Software and Services", "tagline": "Embedded payment flexibility from $10k - $250k for SaaS and Services", "body": "Tranch enables SaaS and Service providers to get paid upfront while offering their customers payment flexibility. Customers can spread invoices from $10k to $250k over 3 to 12 months.\\\n\\\n[tranch.com - launch video](https://www.youtube.com/watch?v=NKPApUN5HAI)\n\n## As startup execs, we dreaded large invoices\n\nPhilip’s time as a scale up CFO taught us\n\n1. Payment options are inflexible for crucial SaaS tools and professional services.\n2. Monthly repayments required lengthy negotiation and often a 20%+ premium.\n3. Large invoices are usually offline, email based journeys.\n\n## Payment options for the big stuff suck\n\n1. SaaS companies want recurring revenue upfront and Services have limited cash flow to defer payments. Customers want to spread large invoices. It’s always a negotiation.\n2. SaaS companies & Services can’t offer credit (risk, regulation, etc).\n3. Credit cards don’t work for larger items:\\\n \\- SaaS companies and Services won’t accept them due to high fees\\\n \\- They provide only short term improvement to a buyer’s cashflow\n\n## Collect revenue now & offer flexibility to your customers\n\n1. Using a Pay with tranch checkout, businesses can offer flexible terms for SaaS tools & Services - up to $250k - over 3 to 12 months.\n2. Businesses can use their tranch account to fund other large invoices with other suppliers (even those not on our platform).\n3. We handle the complexity: underwriting, payments, collections and regulatory obligations.\n\n![uploaded image](/media/?type=post&id=64690&key=user_uploads/1014990/890855b0-bf16-4d83-8d03-6a153f966827)\n\nYou increase your revenue, reduce churn and collect payment upfront.\\\n\\\nWe’ve now expanded to the US - sign up at [tranch.com](http://tranch.com) and see what you could Pay with tranch.\n\nWant to offer Pay with tranch to your customers? No code required - sign up at [tranch.com/suppliers](http://tranch.com/suppliers)", "url": "https://www.ycombinator.com/launches/GpO-tranch-b2b-buy-now-pay-later-for-software-and-services", "votes": 39, "created_at": "2022-07-18T06:27:57.826Z" } ] }, { "id": 26770, "name": "Bridgecard", "slug": "bridgecard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "website": "https://bridgecard.cards", "all_locations": "Lagos, LA, Nigeria", "long_description": "Bridgecard makes it easy for fintechs to issue MasterCard or Visa cards that work anywhere in the world. We provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in weeks instead of months.\r\n\r\nFor nearly three years, we’ve supported Africa’s top startups with stable, high-growth card solutions. Thanks to our stability, over 50% of our clients have grown their volumes by more than 5X within 6 months. Our commitment is to deliver great cards that work, provide reliable support, and unbeatable uptime so that your users can be satisfied.", "one_liner": "Card issuer for Africa", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1660576632, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "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/bridgecard", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/bridgecard.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/mybridgecard/?viewAsMember=true", "x_url": "https://twitter.com/mybridgecard", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bridgecard-82df", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1003803, "full_name": "Tunde Adewole", "title": "Founder", "founder_bio": "Building Awaithumans, the infrastructure that lets AI agents hand off tasks to humans or other agents with a single function call.\n\nI previously scaled Bridgecard (YC S22) to over $1M ARR before exiting. I love machine learning, recently trained an embedding model (SearchMap Preview) to outrank Gemini on the MTEB leaderboard with 5k+ downloads on Hugging Face.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tunde-adewole-b223729a/", "x_url": "https://twitter.com/llm_money", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81fe989052c10ab9182c83716fc711b7eca0582c.jpg" }, { "user_id": 1008256, "full_name": "Festus Owumi", "title": "Founder", "founder_bio": "Festus is a Senior Software Engineer with experiences ranging from Mobile, Machine Learning and Backend Development. He has 5 years experience with companies offering financial services in Africa including TradeDepot, Kippa e.t.c. ", "is_active": false, "linkedin_url": "https://linkedin.com/in/owumi-festus-3151aa172/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2114e05113969b913d4d6b600efa9290992af896.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65391, "title": "Bridgecard 💳 The card issuer for Africa", "tagline": "Meet Bridgecard, we help fintech companies issue cards in Africa. ", "body": "Hello 👋, we are Tunde and Festus, the founders of [Bridgecard](https://issuecards.bridgecard.co).\n\n**The problem 😓:**\n\nData has become affordable in most parts of Africa, for example, the price of mobile data has dropped by over 75% in Nigeria over the past 5 years.\n\nLocal people have started consuming global services like Netflix, AWS, AliExpress, Udemy, etc. but don’t have a card to pay for these services. Local banks in Africa haven’t been able to support international transactions on the local currency cards.\n\nI traveled to the US for the first time 2 months ago and almost got stranded at the airport because I found out that Uber in SanFrancisco does not accept cash and my local bank card didn’t work. I was able to hack together a card, add it to the app, and Uber down to my location.\n\n**Our Solution 💳:**\n\n[Bridgecard](https://issuecards.bridgecard.co) makes it easy for any fintech company to issue their customers a card that will carry a MasterCard or Visa logo and work anywhere in the world.\n\nWe provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in 5 days or less.\n\nMy co-founder and I got into YC to build something different but our previous card issuer stopped supporting over 20 other companies and us in Nigeria alone so we couldn’t keep our product in the market.\n\nWe woke up one morning and decided to be the card issuer ourselves.\n\n**Ask 🤝:**\n\nIf you’re building a fintech product and you need to issue cards in Africa, check out [Bridgecard](https://issuecards.bridgecard.co) or send me a mail at [tunde@bridgecard.co](mailto:tunde@bridgecard.co).\n\nWe’ll be glad to work with you.", "url": "https://www.ycombinator.com/launches/H0h-bridgecard-the-card-issuer-for-africa", "votes": 28, "created_at": "2022-08-16T07:56:19.887Z" } ] }, { "id": 26778, "name": "Blee", "slug": "blee", "former_names": [ "inReal" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b50abb1455badd5a7f2f1bbd879bfd105b4cf71a.png", "website": "https://www.blee.com", "all_locations": "New York City, NY, USA", "long_description": "Blee easily integrates across the content creation workflow, combining instant feedback and faster approvals with scalable review and recordkeeping. Helping companies maximize revenue by moving faster to market while minimizing risk", "one_liner": "Smart, fast, and collaborative compliance reviews ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1662135686, "tags": [ "Fintech", "LegalTech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/blee", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/blee.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/weareblee", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b50abb1455badd5a7f2f1bbd879bfd105b4cf71a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 967311, "full_name": "Guy Shahar", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/guy-shahar", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e7536f2f2b232b8a531fef5c9ddf0543b288b5d.jpg" } ], "jobs": [ { "id": 93341, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/blee/jobs/0gFmCj8-ai-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$150K - $210K", "equity_range": "0.30% - 1.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94761, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/blee/jobs/JWAY4kJ-account-executive", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94764, "title": "Pre-Sales Solutions Engineer", "url": "https://www.ycombinator.com/companies/blee/jobs/6NgI9ny-pre-sales-solutions-engineer", "location": "United States / New York, NY, US / San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$160K - $220K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94765, "title": "Product Marketing Manager", "url": "https://www.ycombinator.com/companies/blee/jobs/peJzS5u-product-marketing-manager", "location": "San Francisco / New York City / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 26794, "name": "Capix", "slug": "capix", "former_names": [ "Supercool", "Blockfy", "Kubefy", "CapixAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2790b307969e113fe655dd576fbc316e90c13310.png", "website": "http://capix.ai/", "all_locations": "New York City, NY, USA", "long_description": "Capix makes finding private equity firms fast and accurate by aggregating and enriching data from multiple sources into one customizable platform.", "one_liner": "AI-powered private equity intelligence.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659418447, "tags": [ "Fintech", "Finance", "Sales Enablement" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/capix", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/capix.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/capixai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2790b307969e113fe655dd576fbc316e90c13310.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": 1006562, "full_name": "Bruno Jacob", "title": "Founder", "founder_bio": "Co-Founder of Capix. We automate deal sourcing for IB and PE", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bruno-jacob-40b6a9192/", "x_url": "https://twitter.com/bruno_supercool", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cce091e9255dd488d7632691a5add9e822228766.jpg" } ], "jobs": [ { "id": 78172, "title": "Social Media & Growth Intern", "url": "https://www.ycombinator.com/companies/capix/jobs/N7aREz2-social-media-growth-intern", "location": "New York, NY, US / Remote (US)", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "$22 - $40 / hourly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 82289, "title": "Founding Senior Full Stack Software Engineer", "url": "https://www.ycombinator.com/companies/capix/jobs/cC4joeg-founding-senior-full-stack-software-engineer", "location": "New York, NY, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $260K", "equity_range": "0.50% - 5.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [] }, { "id": 26795, "name": "Gullak Money", "slug": "gullak-money", "former_names": [ "Gullak (Piggy Bank is known as Gullak in Hindi)", "Gullak" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02dc5ca39f0b84d551575438e1537fbaa5ba8983.png", "website": "https://gullak.money", "all_locations": "Bengaluru, KA, India", "long_description": "Gullak is a mobile app that automates savings & invests these in Gold. We launched in India 60 days ago and have grown from 0 to 40k transacting users and hit a monthly GTV of $280K already. We are growing 25% week on week.\r\n\r\nIndia is a nation of savers but the way the majority of India saves is non-smart & does not create wealth. There are 200 Mn Indians who save manually in bank deposits, the returns from these instruments do not even beat India's inflation. \r\n\r\nGold is an instrument that India loves - 30Bn worth gold is purchased in India every year by middle income households. Gold has great cultural significance in India & there is high familiarity with the asset class. Despite gold being a familiar asset class & giving 5% higher returns than bank deposits, 200 Mn Indians still save manually in these non wealth creating bank deposits. This is largely because the ways to save in Gold required painful discrete activities such as manually accumulating money to buy gold, going to offline stores to buy this gold, incurring storage charges & more. The minimum ticket size for purchasing gold at these stores is $50 adding to more friction to saving in Gold.\r\n\r\nUsing automated savings, Gullak now makes it extremely easy for users to save small amounts regularly($1/day) in digital Gold.This was not possible a year ago because the underlying infrastructure(UPI Autopay) was missing. \r\n\r\nWith 50 Mn Indians saving $2/day & with gold backed lending, this is a $1.5Bn market opportunity.\r\n\r\nGullak’s Founding team is the team which built BHIM UPI App(10Mn Downloads in 10 Days), this was launched by the PM of India. We built large scale payment systems for partners like GooglePay / Amazon, processing more than 30Mn payments/day. This is the same team that has built more than 40+ consumer brands & their initial growth strategy.\r\n", "one_liner": "Gullak automates savings & invests these in gold", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659945230, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gullak-money", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/gullak-money.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/gullak-money/", "x_url": "https://twitter.com/gullakmoneyapp", "fb_url": "https://www.facebook.com/gullakit", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02dc5ca39f0b84d551575438e1537fbaa5ba8983.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": 1045536, "full_name": "Naimisha Rao", "title": "Founder", "founder_bio": "Naimisha is the co-founder at Gullak Money, leading growth & marketing. Prior to this, she was head of growth marketing at Twin Health - a Sequoia funded Series C company where she handcrafted their growth strategy, contributing to 80% of Twin’s revenue then. Prior to that, she has worked on 40+ brand’s growth/marketing strategies & executed a lot of these strategies herself.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/naimisha-rao/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/de42d01ffb84279065d526c67a8791a66849cbef.jpg" }, { "user_id": 917360, "full_name": "Dilip Jain", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dilipjain09", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c1bbc00328374e01967f626653b99656541b1676.jpg" }, { "user_id": 918745, "full_name": "Manthan Shah", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/manthan-shah-12b38a45/", "x_url": "https://twitter.com/manthan197", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37e2c87f8928d7970956cef284a929b13b9d4064.jpg" } ], "jobs": [], "news": [ { "title": "Savings & Investment Startup Gullak Raises Seed Funding To Offer New Financial Products", "url": "https://inc42.com/buzz/savings-investment-startup-gullak-seed-funding-new-financial-products/", "date": "Jan 19, 2023" }, { "title": "Gullak unveils Rishton ki Gullak campaign | The Financial Express", "url": "https://www.financialexpress.com/brandwagon/gullak-unveils-rishton-ki-gullak-campaign/2616093/", "date": "Nov 08, 2022" }, { "title": "Our 11 favourite companies from YC's S22 Demo Day: Part 1 • TechCrunch", "url": "https://techcrunch.com/2022/09/07/11-favorite-yc-demo-day-s22-startups/", "date": "Sep 07, 2022" }, { "title": "Gullak Raises INR 10 Crore In Pre-Seed Funding", "url": "https://www.entrepreneur.com/en-in/news-and-trends/gullak-raises-inr-10-crore-in-pre-seed-funding/429737", "date": "Jun 17, 2022" } ], "launches": [ { "id": 65271, "title": "Gullak - Automated savings app designed for India", "tagline": "Gullak is a mobile app that automates savings & invests these in Gold", "body": "Hi everyone, we are Dilip, Manthan, Naimisha & we are here to introduce Gullak.\n\nGullak is a mobile app that automates savings & invests these in gold. With Gullak, users can get started with auto saving just $1/day or with auto saving spare change. \n\nWe went from 200 to 30000 MTU in just 50 days & have hit an MRR of $2000. We are growing 25% Week on Week.\n\n**A little more about us:**\n\nManthan, Built ‘Visa Safe Click’ from scratch, the first one-click card authentication solution in India. Is a power house of ideas & loves experimenting\n\nDilip, In just the first 2 years of his career built India’s first large scale UPI app -  BHIM(10M users in 10 Days, launched by the PM of India). Does not stop till he solves the problem at hand\n\nNaimisha, having worked with 40+ brands comes with a rich experience in handcrafting Consumer Brands. Loves talking to & understanding the users\n\n**India Loves Savings But,** \n\nIndia loves savings but the way the majority of India(next 100 Mn) saves is manual, unstructured & non wealth creating. 200 Mn Indians save manually in assets such as Savings Accounts/FD/LIC Policies and these instruments do not beat inflation.\n\n**Gold SIPs to the rescue**\n\nAutomating savings in Gold using UPI Autopay removes the problem of manual & unstructured savings & hence making it easier for everyone to create more wealth.\n\n**Features our users love**\n\nSave on every spend\n\n![uploaded image](/media/?type=post&id=65271&key=user_uploads/1045536/c4455ab2-8344-45ff-b1ac-23b15183182f)\n\n> Daily/Monthly SIPs\n>\n> ![uploaded image](/media/?type=post&id=65271&key=user_uploads/1045536/b22d429f-fc67-4101-9b5e-87c4257b4298)\n\n\n> **Here’s a 1 minute Product Explainer**\n\n[Product Explainer](https://www.youtube.com/watch?v=xRPymS_2zdE)\n\n**Our Ask**\n\n1. Download the [app](https://gullak.app.link/CB7U808Cnsb) & let us know your experience\n2. Share this post & spread the word, taking us closer to our mission of creating wealth for a billion Indians\n\n**The India we envision**\n\n![uploaded image](/media/?type=post&id=65271&key=user_uploads/1045536/577896e2-613c-4af4-af38-38ad83a55bcb)\n\n", "url": "https://www.ycombinator.com/launches/Gyl-gullak-automated-savings-app-designed-for-india", "votes": 18, "created_at": "2022-08-10T14:53:27.458Z" } ] }, { "id": 26797, "name": "Rio", "slug": "rio", "former_names": [ "Rampa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.png", "website": "https://www.rio.trade", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Rio is the premier stablecoin liquidity provider for the LATAM market. We enable access to stablecoins for financial innovators to scale their products.", "one_liner": "LATAM’s largest stablecoin FX and liquidity provider", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1658795593, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Latin America" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "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/rio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/rio.json", "year_founded": 2022, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/rio-transfer/", "x_url": "https://twitter.com/rio_transfer", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.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": 1011235, "full_name": "Eudelio Garza", "title": "Founder", "founder_bio": "Eudelio is the CEO of Rio. Prior to Rio, he was a Product Manager at BlockVigil, a dev platform that provides Matic nodes as a service. He onboarded 30 developers and helped the company reach 1 billion API calls/day. When talking to web3 devs, he realized the need for better on-and-off ramping infrastructure in emerging markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eudelio-garza-5abb7a13b/", "x_url": "https://twitter.com/leyogarza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0d4ff823006d869bf3b01d4ca00e5584dca3fa91.jpg" }, { "user_id": 1015465, "full_name": "Javier Roberts", "title": "Founder", "founder_bio": "Building Rio", "is_active": true, "linkedin_url": "http://linkedin.com/in/javierroberts", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07fd3123d019274e0dfaab749abe141c93b2535d.jpg" }, { "user_id": 995362, "full_name": "Ricardo Villarreal Chapa", "title": "Founder", "founder_bio": "Co-founder of Rio (YC S22). Studied Computer Engineering at Boston University. Ex engineering product manager (for banks) and private equity analyst. Enjoys training BJJ, rockclimbing, and tennis. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ricardo-villarreal-chapa/", "x_url": "https://twitter.com/ricardo_vch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/96e28e280c7c6f1ccf06e0876596063922398d62.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26803, "name": "Tank Payments", "slug": "tank-payments", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.png", "website": "https://www.tankpayments.com/", "all_locations": "Austin, TX, USA", "long_description": "Tank Payments is building modern financial infrastructure for the trucking industry. We offer payables automation software for logistics businesses that make hundreds of payments to trucking businesses every day. For trucking businesses, we provide a best-in-class banking platform, designed to meet the unique financial needs of the trucking sector.", "one_liner": "Modern financial infrastructure for the trucking industry.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1659420849, "tags": [ "Fintech", "SaaS", "Payments", "Logistics", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/tank-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/tank-payments.json", "year_founded": 2022, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/82513538", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tank-payments", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.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": 765179, "full_name": "Dane Cook", "title": "Founder", "founder_bio": "Dane is a co-founder of Tank Payments. Prior to Tank, Dane managed product teams at Amazon. Before that, he worked at a startup building a semantic knowledge graph and a startup that sold data to hedge funds. Dane started his career at a Wall Street investment bank.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dane-cook-b8402922/", "x_url": "https://twitter.com/danecooked", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77b7f0d48a431bc1443e57f1a0ded1b6a471ca48.jpg" }, { "user_id": 1086453, "full_name": "Jad Rahbany", "title": "Founder", "founder_bio": "Jad is a co-founder of Tank Payments. Prior to Tank, Jad was a Software Engineer at Amazon working on the Alexa AI team, and a Product Manager at Google and Graphiq (acq. by Amazon). Originally from Lebanon, Jad graduated from Cornell University with a degree in Computer Science and a minor in Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jadrahbany/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/08edf98e6dfd34d9aae8d29b1fbcf81654799a93.jpg" }, { "user_id": 793427, "full_name": "Matthew Rybak", "title": "Founder", "founder_bio": "Matthew Rybak is the co-founder of Tank Payments. Matthew heads factor business development and product at Tank. He started out in financial services (Citigroup), but quickly moved to a tech startup in Santa Barbara CA (FindTheBest/Graphiq), which was acquired by Amazon Alexa AI in 2017. Since departing Amazon, he has started a RE development firm, a website (Truckinfo.net), and Tank Payments. He earned a Bachelors and Masters in Systems Engineering from the University of Pennsylvania.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthewrybak/", "x_url": "https://twitter.com/captainrybak", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1eed17c86d493beb4042fed9177133676521db76.jpg" } ], "jobs": [ { "id": 102422, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/tank-payments/jobs/AGM7jgV-software-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $165K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102423, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/tank-payments/jobs/ugnOzaS-senior-software-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $220K", "equity_range": "0.10% - 0.25%", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Forbes 30 Under 30: Jad Rahbany", "url": "https://www.forbes.com/profile/jad-rahbany/?list=30under30-manufacturing-industry/", "date": "Dec 02, 2024" }, { "title": "Trucking fintech company Tank Payments nets economic empowerment prize - FreightWaves", "url": "https://www.freightwaves.com/news/trucking-fintech-company-tank-payments-nets-economic-empowerment-prize", "date": "Oct 19, 2023" } ], "launches": [ { "id": 65088, "title": "Tank Payments: The neobank built for trucking businesses", "tagline": "We get truckers paid faster.", "body": "We’re Dane, Jad, and Matt, and we’re excited to introduce Tank Payments.\n\n### **❌ The Problem**\n\nWhen truckers haul loads, shippers stipulate 30 to 90 day payment terms, which is too long for many trucking companies that operate on thin margins. To access cash faster (1-3 days), trucking companies sell their invoices to financing companies called “factors” for a 2-5% fee. Many truckers end up paying up to $40 in fees per invoice to wire money from their factors if they need cash from their factors immediately, meaning that **some truckers give up close to 10% of their income to get access to the money they’ve already earned.**\n\nMoney movement in freight is not efficient, causing truckers to stitch together a variety of tools (Cash App, local commercial banks, factoring, fuel cards, and more) to manage their businesses. Even the business that pay truckers (e.g. factors) use dated payments infrastructure, exacerbating delays. This leaves an opportunity for software that addresses these financial needs in a way that’s purpose-built for the freight industry.\n\n## **✨ Our Solution**\n\n![uploaded image](/media/?type=post&id=65088&key=user_uploads/793427/be064c4e-46a5-4172-8c84-dd10830f6b9a)\n\n**Tank Payments is a banking experience specifically designed for the freight industry, and its first feature allows truckers to get paid faster.** We give truckers instant access to their money by putting factors and truckers on the same financial infrastructure. Factoring companies partner with Tank because our infrastructure reduces their time spent on accounts payable, and helps them retain customers by offering a better funding experience.\n\nOver time, the Tank Payments will become the finance department for trucking SMBs, supporting the many unique financial requirements of freight businesses. We’ve pinpointed payroll, expense management, insurance, and P2P payments as areas of priority that our neobank is well-positioned to serve.\n\n![uploaded image](/media/?type=post&id=65088&key=user_uploads/793427/e85b3331-683f-4031-bd75-51747ce4bb4c)\n\nOur team worked together for the past 7 years, first at a startup (Graphiq, acq. 2017) and then at Amazon Alexa AI. We bring experience in financial services, data analytics, digital security, and natural language processing to a freight industry in the midst of a tech adoption boom.\n\n### **🙏 Asks**\n\n1. We would love to connect with founders and teams that have **experience embedding 1) payroll, 2) card rewards (e.g. fuel discounts), and 3) insurance into their software**.\n2. Tank wants to expand and distribute its neobank through entities that pay truckers, beyond factors. We want to learn more about how players like international freighters (e.g. Maersk), freight forwarding companies (e.g. Flexport), domestic shippers (e.g. Kroger’s Markets), and third-party logistics providers (e.g. C.H. Robinson) **perform payouts and if they could benefit from payment speed and/or coordination.**", "url": "https://www.ycombinator.com/launches/Gvo-tank-payments-the-neobank-built-for-trucking-businesses", "votes": 39, "created_at": "2022-08-03T05:00:27.064Z" } ] }, { "id": 26881, "name": "Bitstack", "slug": "bitstack", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6506d6d40e0fefed9444b740b5be015ee0d8f5a3.png", "website": "https://www.bitstack-app.com", "all_locations": "Paris, Île-de-France, France", "long_description": "Bitstack is building a new neobank powered by crypto. Bitstack has gone from a simple product that turns your spare change into bitcoin to a bitcoin-native neobank that is bringing a better way to manage all things money, with better money. We believe getting started with Bitcoin should be simple, fun and accessible to everyone.\r\n\r\nBitcoin is an unparalleled financial alternative: a radically new way to transact and store value all around the world. It is a new kind of currency that isn't centrally controlled by any business, government or bank and that cannot be debased. Bitcoin will redefine the future of finance, from payments to savings, and wealth preservation. It is the first open and borderless monetary network with a fixed supply of 21 million, making bitcoin the most scarce financial asset ever.", "one_liner": "All things money, with better money", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657049685, "tags": [ "Crypto / Web3", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "France", "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/bitstack", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/bitstack.json", "year_founded": 2021, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/bitstack-app", "x_url": "https://twitter.com/bitstack_", "fb_url": "https://www.facebook.com/bitstack", "cb_url": "https://www.crunchbase.com/organization/bitstack", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6506d6d40e0fefed9444b740b5be015ee0d8f5a3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 710971, "full_name": "Alexandre Roubaud", "title": "Founder", "founder_bio": "Alexandre Roubaud is the co-founder and CEO of Bitstack. He previously led Product at Moka, Canada's fastest-growing saving and investing app (acquired by Mogo). Originally from France, Alexandre graduated from McGill University where he received a Bachelor of Commerce.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexandreroubaud/", "x_url": "https://twitter.com/alexroubaud", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6a5850fb61b8a0ab686e82377725940d06935405.jpg" }, { "user_id": 711533, "full_name": "Kabir Sethi", "title": "Founder", "founder_bio": "Co-founder & CTO @ Bitstack: Lowering the barrier to entry to saving in Bitcoin in Europe.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kabir-sethi-02148ba5/", "x_url": "https://twitter.com/setkabir", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e1e54815082ce271bd7662b66e8d06e75a2a67cf.jpg" } ], "jobs": [], "news": [ { "title": "Bitstack, France’s #1 Bitcoin Savings App, raises €5 million to reinvent the bank of tomorrow", "url": "https://www.bitstack-app.com/en/actualites/bitstack-raises-5-million-euros-to-reinvent-the-bank-of-tomorrow?c=EUR", "date": "Dec 12, 2024" } ], "launches": [ { "id": 64459, "title": "Bitstack — the easiest way to save and invest in Bitcoin in Europe 🇪🇺", "tagline": "Bitstack rounds up your daily purchases and invests the spare change in Bitcoin.", "body": "**tl;dr:** Bitstack is the easiest way for people in Europe to get their first crypto wallet. Users can get started by rounding up their purchases and investing the spare change in bitcoin, and then use our app to buy, sell, earn and spend cryptocurrencies like bitcoin. We believe getting started with Bitcoin should be simple, fun and accessible to everyone. **Download the app 👉** \n\nHi YC! We’re [@Alexandre Roubaud](https://bookface.ycombinator.com/user/710971) & [@Kabir Sethi](https://bookface.ycombinator.com/user/711533), the founders of Bitstack.\n\n[**Bitstack**](https://bitstack-app.com/) **is the easiest way to save and invest in Bitcoin in Europe. 🇪🇺**\n\n![uploaded image](/media/?type=post&id=64459&key=user_uploads/710971/48d95d1b-f5d5-43b3-93f0-89bd95091a38)\n\nBitstack is the easiest way for people in Europe to get their first crypto wallet. Users can get started by turning their spare change into bitcoin and then use the app to buy, sell, earn and spend new digital currencies like bitcoin.\n\nSimply download the app, securely link your bank account and you’re all set. Bitstack will automatically round up your everyday purchases to the nearest euro and invest the spare change in Bitcoin.\n\nThere is no need to determine the right time to buy and no investment knowledge required.\n\n### **Why should you save in Bitcoin?**\n\nToday, 2 out of 3 people are worried about not achieving their financial goals, whether that’s buying a house, saving for retirement, a vacation, or their children’s future.\n\nUnfortunately, most people continue saving in low-interest savings accounts that are consistently outpaced over the years by rising inflation.\n\nBut Bitcoin fixes this. Bitcoin is the first open, global and permissionless monetary network with a fixed supply of 21 million bitcoins, ever, and protected by a distributed network of users all around the world.\n\n**So we built Bitstack to finally make it simple, fun and accessible for everyone to save and invest in Bitcoin.**\n\n### **What our users say**\n\nSince the launch of our Beta 3 months ago, we’ve already helped our users save **1.5+ billion satoshis**. Did you know? 1 Bitcoin = 100 million satoshis.\n\n* “Bitstack is a fun way to build up savings and get started with Bitcoin!”\n* “It’s the best app for me as I don’t know how to save.”\n* “Very convenient to dollar-cost-average without having to think about it.”\n\n### **How do I get started?**\n\n**Download the app now 👉** \n\n**Ask**: Give us feedback at [founders@bitstack-app.com](mailto:founders@bitstack-app.com) so we can make this product even better, and tell your family and friends in Europe to try us out!\n\nThanks! **🧡**\n\nThe Bitstack Team", "url": "https://www.ycombinator.com/launches/Glf-bitstack-the-easiest-way-to-save-and-invest-in-bitcoin-in-europe", "votes": 26, "created_at": "2022-07-08T13:51:07.154Z" } ] }, { "id": 26884, "name": "Alphawatch AI", "slug": "alphawatch-ai", "former_names": [ "StableBank", "AlphaWatch AI", "RaptorGrid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/446e9f4bf87776b8fa9dfd70c551f35885fd6463.png", "website": "https://alphawatch.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Rolo is a new product by Alphawatch AI allows deal teams to track and develop banker, GP, and target relationships.", "one_liner": "Relationship Coverage for Deal Teams", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1675123352, "tags": [ "Generative AI", "Finance", "Enterprise", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/alphawatch-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/alphawatch-ai.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/alphawatch-ai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/446e9f4bf87776b8fa9dfd70c551f35885fd6463.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": 1048469, "full_name": "Jackson Chen", "title": "Founder", "founder_bio": "Founder at Alphawatch AI. Previously at Plaid & Google.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jchen8630/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/574e3ca529dc4c3fada2246d0ec1d57b06250e01.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26897, "name": "AviaryAI", "slug": "aviaryai", "former_names": [ "Cambio" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40b545f0827e44a735f2287cc0b17aea7e65e7ff.png", "website": "http://www.helloaviary.ai", "all_locations": "Chicago, IL, USA", "long_description": "AviaryAI is the industry's first outbound AI service team for banks, credit unions, and insurance companies. In a landscape where only 18% of financial service providers make proactive outbound calls and rely heavily on emails, AviaryAI offers a groundbreaking solution. Powered by a private LLM, our suite of products helps institutions leverage Generative AI while adhering to stringent regulatory and compliance standards.", "one_liner": "Outbound AI voice agents for the financial services industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1654737893, "tags": [ "Fintech", "B2B", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/aviaryai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/aviaryai.json", "year_founded": 2022, "city": "Chicago", "country": "US", "linkedin_url": "https://www.linkedin.com/company/helloaviary", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/aviaryai", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/40b545f0827e44a735f2287cc0b17aea7e65e7ff.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/9ab033d49d83987dad34b478053d258e4035d43b.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 796542, "full_name": "Blesson Abraham", "title": "Founder", "founder_bio": "Blesson Abraham is a two-time founder and is the CEO of Cambio. He started his career at a retail bank as a leadership development associate and went on to lead marketing, sales and helped start their analytics team. In 2014, he co-founded SavvyIntel, a SaaS analytics solution for banks and credit unions. In 2017, SavvyIntel was acquired by CUNA Mutual Group. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/blessonjabraham", "x_url": "https://twitter.com/Babraham_FI", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6f451ba7d17df974762577409899588da0143f23.jpg" }, { "user_id": 1071567, "full_name": "Jay Patel", "title": "Founder", "founder_bio": "Jay Patel is a two-time founder and is the CTO of Aviary AI . In 2020 he started the non-profit social-justice app FireWatch. He leads the development and engineering efforts at Aviary AI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jay-patel-2017/", "x_url": "https://twitter.com/jay1jp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e82d10c635fe4e35967823cd572406402261ca41.jpg" } ], "jobs": [ { "id": 109278, "title": "Account Executive (Full Cycle)", "url": "https://www.ycombinator.com/companies/aviaryai/jobs/Lxfz6dw-account-executive-full-cycle", "location": "Chicago, IL", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109279, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/aviaryai/jobs/m5Dm1Qa-forward-deployed-engineer", "location": "Chicago, IL", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$80K - $120K", "equity_range": "0.01% - 0.10%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109280, "title": "Strategic Account Manager", "url": "https://www.ycombinator.com/companies/aviaryai/jobs/lk9fk0O-strategic-account-manager", "location": "Chicago, IL", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "YC-backed Cambio puts AI bots on the phone to negotiate debt, talk to a bank’s customers | TechCrunch", "url": "https://techcrunch.com/2024/02/13/yc-backed-cambio-puts-ai-bots-on-the-phone-to-negotiate-debt-talk-to-a-banks-customers/", "date": "Feb 13, 2024" }, { "title": "This Chicago Startup Is Using AI to Help People Improve Their Credit | Built In Chicago", "url": "https://www.builtinchicago.org/2023/03/16/chicago-future-5-company-cambio-q1-2023", "date": "Mar 16, 2023" } ], "launches": [ { "id": 64180, "title": "AviaryAI - Outbound voice agents for the financial services industry", "tagline": "Drive revenue and engagement with automated and compliant AI voice interactions", "body": "**TLDR**\\\n[AviaryAI](https://www.helloaviary.ai) is the industry's first outbound AI service team for banks, credit unions, and insurance companies. In a landscape where only 18% of financial service providers make proactive outbound calls and rely heavily on emails, AviaryAI offers a groundbreaking solution. Powered by a private LLM, our suite of products helps institutions leverage Generative AI while adhering to stringent regulatory and compliance standards.\n\n**The problem**\n\n* **Limited Outbound Calls:** Only 18% of banks, credit unions, and insurance companies make outbound calls, missing crucial engagement opportunities throughout the customer lifecycle.\n* **Inefficiency and Missed Opportunities:** Internal employees, often untrained or unmotivated, handle outbound calls which leads to incomplete interactions and lost revenue.\n* **Challenges with GenAI Adoption:** Financial institutions hesitate to use general-purpose models like ChatGPT due to their lack of transparency and regulatory compliance concerns.\n* **Complex Interactions:** Automating post-call workflows (e.g., opening new accounts, activating cards) is challenging due to the need for multiple systems to work together seamlessly.\n\n**Our Impact**\n\n* **Proven Success Rate:** 26% of our AI-driven calls have resulted in successful customer interactions, significantly boosting engagement and revenue for our clients.\n* **High Interaction Rate:** 72% of all answered calls have an interaction with our voice agents beyond a simple “hello”. \n\n[Service Agent For Financial Institutions](https://youtu.be/IIeoPoZ_wVc)\n\n**The Founding Team**\n\n* Blesson Abraham | Co-founder, CEO: Blesson Abraham spent 5 years in leadership roles at Baxter Credit Union (BCU) before founding SavvyIntel (Acquired by TruStage in 2017) a SaaS analytics solution built for banks and credits union. \n* Jay Patel | Co-founder, CTO: Jay Patel is a two-time founder and started the non-profit social-justice app FireWatch in 2020. He leads development for Cambio’s consumer and enterprise LLMs.\n\n**Why Now?**\n\nIn the face of financial and regulatory pressures, banks, credit unions, and insurance companies are hesitant to adopt new technologies due to compliance fears. AviaryAI addresses this by offering a vertical-specific LLM, fine-tuned with industry data to tackle the unique challenges of financial services.\\\n\\\n\\*\\*Our Ask?\\*\\*\\\nIf you are in the financial services industry and are looking to move simple interactions to AI, reach out to us at [info@helloaviary.ai](mailto:info@helloaviary.ai)", "url": "https://www.ycombinator.com/launches/GhA-aviaryai-outbound-voice-agents-for-the-financial-services-industry", "votes": 87, "created_at": "2022-06-29T15:27:46.242Z" } ] }, { "id": 26901, "name": "FlyCode", "slug": "flycode", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "website": "https://www.flycode.com", "all_locations": "Boston, MA, USA", "long_description": "FlyCode helps subscription merchants maximize revenue. We reduce involuntary churn by managing payment failures intelligently.\r\n\r\nWe’re Jake, Etai, and Tzachi and we’re building FlyCode.\r\n\r\nTL;DR: If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\r\n\r\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\r\n\r\n❌ THE PROBLEM: Recovering Failed Payments is Complex\r\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\r\n\r\n💰 Bottom line?\r\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\r\n\r\nFLYCODE SOLUTION 💡\r\nFlyCode leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\r\n\r\n⚡️Automatically recover failed subscription payments and reduce passive churn\r\n\r\n⚡️Use ML & AI based payment optimization to find the best time to charge your customers\r\n\r\n⚡️ Improve customer experience by coordinating payment retries with customer emails/SMS\r\n\r\n🛠️ We support OOTB + Custom Integrations for Merchants and White-Label for Platforms\r\n", "one_liner": "Recover failed subscription payments to increase retention and LTV", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657031035, "tags": [ "Fintech", "Payments", "E-commerce", "Subscriptions", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/flycode", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/flycode.json", "year_founded": 2021, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/flycodehq", "x_url": "https://twitter.com/FlycodeHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 506517, "full_name": "Tzachi Davidovich", "title": "Founder", "founder_bio": "CEO & Cofounder FlyCode ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tzachidaviovich/", "x_url": "https://twitter.com/TzachiDav", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8c6e610f7a24a948cdf1257b93c7ca0f5e42d1a5.jpg" }, { "user_id": 735888, "full_name": "Etai Avrahami", "title": "Founder", "founder_bio": "CTO & Co-Founder at FlyCode", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/etaia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c84c40b1b39246056be5110c632239951af7825b.jpg" }, { "user_id": 651566, "full_name": "Jake Vacovec", "title": "Founder", "founder_bio": "Co-Founder at FlyCode", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jake-p-vacovec-28417869/", "x_url": "https://twitter.com/jvacovec", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b708841106d1c7adb6bedad02a3a7eab37769ecb.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92902, "title": "🪄 FlyCode - increase Stripe revenue, by leveraging backup cards ✨", "tagline": "TL;DR:  We’re launching a new product helping Stripe customers to boost revenue with backup payments method. Netflix and Amazon do this—now every SaaS can too.", "body": "👋 Hey everyone, this is [Jake](https://www.linkedin.com/in/jake-p-vacovec/), [Etai](https://www.linkedin.com/in/etaia/) and [Tzachi](https://www.linkedin.com/in/tzachidaviovich/). We’re the co-founders of [FlyCode](https://www.flycode.com/)\n\n**TL;DR:**  We’re launching a new product helping Stripe customers to boost revenue with backup payments method. Netflix and Amazon do this—now every SaaS can too.\n\n[FlyCode](https://www.flycode.com/) makes it easy for AI and SaaS companies to recover lost revenue due to failed payments and involuntary churn - a major hidden revenue killer.\n\n**❌ THE PROBLEM: no easy way to leverage backup cards**\n\nWhen a customer’s default card fails and you exhausted retries, the subscription will be cancelled (often after 30 days). It means lost revenue and churn.\n\n**FLYCODE SOLUTION 💡**\n\nFlyCode automatically attempts payment recovery using backup cards during that 30-day window, before the subscription gets cancelled.\n\n**The ask?** Get our Stripe app:\n\nhttps://marketplace.stripe.com/apps/flycode-payments\n\nFREE payment audit. No code changes. No manual workflows. No service disruption.\n\n![uploaded image](/media/?type=post&id=92902&key=user_uploads/506517/f39e78ef-0478-4193-b6ad-be71e8247777)\n\n**It’s the industry standard for large SaaS**\n\nWe’ve seen an 18%–20% increase in payment recovery rates with our recovery and with this new product. Companies like Netflix and Amazon have always done this internally, but it hasn’t been accessible to smaller SaaS companies until now.\n\n**Get the [Stripe app](https://marketplace.stripe.com/apps/flycode-payments) or Email us at [hello@flycode.com](mailto:hello@flycode.com) for feedback**", "url": "https://www.ycombinator.com/launches/OAQ-flycode-increase-stripe-revenue-by-leveraging-backup-cards", "votes": 26, "created_at": "2025-08-12T00:20:58.000Z" }, { "id": 77964, "title": "🪄 FlyCode: Recover failed payments with AI to increase ARR growth ✨", "tagline": "If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.", "body": "**Hey YC Community 👋**\n\nWe’re Jake, Etai, and TD and we’re building [**FlyCode**](https://www.flycode.com/).\n\n**TL;DR:** If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\n\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\n\n> **20%-40% of a Merchants ARR is lost due to payment failures, errors like insufficient funds or processing errors. Most rely on brute force or fixed-interval retry strategies, a legacy approach that ultimately reduces retry success rates and increases customer churn.**\n\n![uploaded image](/media/?type=post&id=77964&key=user_uploads/506517/509fe9ac-1daf-4b13-b551-44c1c9240a1b)\n\n### **❌ THE PROBLEM: Recovering Failed Payments is Complex**\n\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\n\n### **💰 Bottom line?**\n\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\n\n### 🎟 **What causes payment failures and involuntary churn?**\n\nThere’s no single cause of this problem that can be isolated. In fact, there are dozens of reasons \\[insufficient funds, fraud, expired cards, AVS, SCA, invalid card, etc.\\], and solutions to each failure need to be applied individually. Let’s look at a few examples:\n\n1. **Batch Processing and Fixed-Interval Retries.** The majority of subscription payments and retries are processed in bulk during off-hours. If your customers are based in multiple time zones, this can increase payment failures and reduce the success rate of retries. Remember when you had to notify your bank when you were traveling? The concept is the same, a 3am charge is more likely to get flagged as fraud than a 9am charge.\n2. **Expired Cards or Invalid Card Numbers:** These are frustrating because you think you have to ask your customers to do something, surprisingly there are many cases when you don’t. When you lose a credit card and replace it, do you ever wonder how Netflix still manages to charge you? It’s all thanks to Card Account Updater and Network Tokenization — if you don’t have it implemented, it’s an easy win.\n3. **Customers with Insufficient Funds:** Timing is a critical factor, especially with these types of errors. If they don’t have funds, don’t force it. When retry attempts are spread out or targeted around periods of the month when cash inflow is expected, success rates will go up.\n4. **Payments that are incorrectly classified as fraud:** This can cause financial losses, as well as a negative impact on customer experience. It is important to prevent those legitimate payments from failing.\n\n\\-\n\n# **FLYCODE SOLUTION 💡**\n\n[**FlyCode**](https://www.flycode.com/) leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\n\n⚡️**Automatically** recover failed subscription payments and reduce passive churn\n\n⚡️Use ML & AI based payment optimization to find the **best time** to charge your customers\n\n⚡️ Improve **customer experience** by coordinating payment retries with customer emails/SMS\n\n🛠️ We support **OOTB + Custom Integrations** for Merchants and White-Label for Platforms\n\n![uploaded image](/media/?type=post&id=77964&key=user_uploads/506517/f44a3ddb-06e1-4e78-9bf5-b7fa76a555bf)\n\n### **We’d love your support 🍻**\n\n* **\\[FREE\\] 🎯** Let FlyCode analyze your payment health and show you how much revenue can be recovered \n* Email us for feedback and partnership [hello@flycode.com](mailto:hello@flycode.com)", "url": "https://www.ycombinator.com/launches/KHU-flycode-recover-failed-payments-with-ai-to-increase-arr-growth", "votes": 50, "created_at": "2024-01-30T16:01:41.702Z" }, { "id": 65130, "title": "FlyCode: Recover failed payments with AI to increase ARR growth", "tagline": "🧑‍🚀 On a mission to help developers increase their teammate's autonomy", "body": "**Hey YC Community 👋**\n\nWe’re Jake, Etai, and TD and we’re building [**FlyCode**](https://www.flycode.com/).\n\n**TL;DR:** If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\n\n“Involuntary” churn is a hidden Revenue Killer 💳 for Subscription Businesses\n\n> **8%-10% of a Merchants ARR is lost due to payment failures, errors like insufficient funds or processing errors. Most rely on brute force or fixed-interval retry strategies, a legacy approach that ultimately reduces retry success rates and increases customer churn.**\n\n![uploaded image](/media/?type=post&id=65130&key=user_uploads/506517/4591dae8-f05f-4314-b44a-c60d3e4e6d85)\n\n### **❌ THE PROBLEM: Recovering Failed Payments is Complex**\n\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\n\n### **💰 Bottom line?**\n\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 8-10%\n\n### **🎟 What causes payment failures and involuntary churn?**\n\nThere’s no single cause of this problem that can be isolated. In fact, there are dozens of reasons \\[insufficient funds, fraud, expired cards, AVS, SCA, invalid card, etc.\\], and solutions to each failure need to be applied individually. Let’s look at a few examples:\n\n1. **Batch Processing and Fixed-Interval Retries.** The majority of subscription payments and retries are processed in bulk during off-hours. If your customers are based in multiple time zones, this can increase payment failures and reduce the success rate of retries. Remember when you had to notify your bank when you were traveling? The concept is the same, a 3am charge is more likely to get flagged as fraud than a 9am charge.\n2. **Expired Cards or Invalid Card Numbers:** These are frustrating because you think you have to ask your customers to do something, surprisingly there are many cases when you don’t. When you lose a credit card and replace it, do you ever wonder how Netflix still manages to charge you? It’s all thanks to Card Account Updater and Network Tokenization — if you don’t have it implemented, it’s an easy win.\n3. **Customers with Insufficient Funds:** Timing is a critical factor, especially with these types of errors. If they don’t have funds, don’t force it. When retry attempts are spread out or targeted around periods of the month when cash inflow is expected, success rates will go up.\n4. **Payments that are incorrectly classified as fraud:** This can cause financial losses, as well as a negative impact on customer experience. It is important to prevent those legitimate payments from failing.\n\n\\-\n\n# **FLYCODE SOLUTION 💡**\n\n[**FlyCode**](https://www.flycode.com/) leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\n\n⚡️**Automatically** recover failed subscription payments and reduce passive churn\n\n⚡️Use ML & AI based payment optimization to find the **best time** to charge your customers\n\n⚡️ Improve **customer experience** by coordinating payment retries with customer emails/SMS\n\n🛠️ We support **OOTB + Custom Integrations** for Merchants and White-Label for Platforms\n\n### **We’d love your support 🍻**\n\n* **\\[FREE\\] 🎯** Let FlyCode analyze your payment health and show you how much revenue can be recovered https://www.flycode.com/churn-audit-failed-payments\n* Email us for feedback and partnership [hello@flycode.com](mailto:hello@flycode.com)", "url": "https://www.ycombinator.com/launches/GwU-flycode-recover-failed-payments-with-ai-to-increase-arr-growth", "votes": 120, "created_at": "2022-08-04T12:23:08.639Z" } ] }, { "id": 27045, "name": "Argovox", "slug": "argovox", "former_names": [ "Ruffo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/623713958db43f2325683bc120f59f299af5545e.png", "website": "https://www.argovox.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help healthcare providers increase profitability and cashflow by automating their patient billing and collections processes.\r\n\r\nToday, healthcare providers in the US are leaving up to 20% of their profit margins on the table due to subpar patient billing and collections processes. Billing patients and collecting their payments is a complex process that requires specialized skills and a lot of effort. Traditionally, healthcare providers have done this manually, with limited automation around one-way reminders. This leads to limited engagement with payers and subpar collection results.\r\n\r\nArgovox changes this by making new levels of payer engagement possible at scale. Through both voice and text conversations, our AI agents can engage in complex, multi-turn patient billing and collection conversation. This leads higher engagement with payers and optimal collection results.", "one_liner": "Voice AI agents for patient billing and collections", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655180175, "tags": [ "Fintech", "Healthcare", "LegalTech", "Call Center", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "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/argovox", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/argovox.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/623713958db43f2325683bc120f59f299af5545e.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": 1007927, "full_name": "Noe Branagan", "title": "Founder", "founder_bio": "Engineering leader with over 10yrs leading engineering efforts for companies in different stages; Passionate about knowledge sharing and education, especially those that help other developers grow or get people into software development; likes to mentor/coach. If you have anything in mind, send me a message @noeBranagan. Currently, co-founder & CTO @ Ruffo making cross-border real estate transactions easy for everyone. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/noebranagan/", "x_url": "https://twitter.com/noeBranagan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9c1e0f01e69f72a2393d209c26be6b9b9de88d1.jpg" }, { "user_id": 1013752, "full_name": "Luis Pellerano", "title": "Founder", "founder_bio": "Founder of Ruffo/Argovox (YC S22). Built AI voice agent for patient billing support (Argovox) and app for signature and apostille of cross-border real estate transaction documents (Ruffo).\n\nM&A and capital markets attorney for 8+ years at Simpson Thacher (NYC and Palo Alto).", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/luis-r-pellerano/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/70d18455df6c366c925555b75871912f989e6c49.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64900, "title": "Ruffo 🏝🏠 Cross-border real estate transactions", "tagline": "We're the simplest way for you to complete the purchase of property abroad", "body": "**TL;DR -** When buying a home abroad, Ruffo lets buyers complete the required documents 100% online instead of having to get on a plane, go to a foreign consulate, or hire a foreign attorney.\n\n🙄 **The problem**\n\nWhen purchasing real estate abroad, signing transaction documents is a huge pain. You either get on a plane to sign in person, take your chances going through a maddening DMV-like experience at the nearest consulate, or pay thousands of dollars to (often questionable) foreign attorneys for signing in your name.\n\nThe risks, hassles, and costs of today’s cross-border document completion process drives many buyers to abandon their purchase halfway through, and forces many other would-be buyers to hold back. On top of stifling the homeownership dreams of buyers, today’s process also costs home sellers, real estate agents and mortgage lenders millions of dollars in lost sales every year.\n\n![](https://lh6.googleusercontent.com/FpPiykbH8NQkTX3KxSy3oAlLOemXqafh-x66kcjUbyD_pEjzWMJlXEP52n0JR8RdR7bmcO9piJm_DJTlNu-qKSdV3UM1IImfwNaMq1gxl1gbA9tY4sS_hcgzrUztnA759US0RIXp9_2I1Rp4o7clYK0)\n\n\n😌 **The Solution**\n\nWe allow buyers to complete, sign and notarize foreign transaction documents from their computer or mobile phone in just minutes. Ruffo generates the relevant transaction documents and connects the buyer to a notary in the U.S. to sign and notarize online. Ruffo then obtains the required government certifications to ensure that the document is legally valid in the foreign country where it will be used. The end result is a seamless foreign document generation and signature experience that saves the buyer time and money, while helping home sellers, real estate agents and mortgage lenders close more sales in less time.\n\n![](https://lh4.googleusercontent.com/8jFLBHCCeTIzLl_WorfdtCVagFyAHhQ1so48F_PnKiWNqP4WRGYqt3XfDytJJN3g24y0SrBsnHdoOHbA6lAurJT8zy6k8AtT7aV6V80DODrnooGLEvFFLSqONSZgBECBy1QIdspfRy-yWtYCs25XQQg)\n\n\n**In the words of one of our customers:**\n\n_“I’ve seen the difficulties other US buyers have gone through when trying to complete their documents \\[for the purchase of property abroad\\]. My experience has been completely different. Ruffo made the process quick and easy. I was able to complete it from my house, without having to go to a consulate or waste money.” -_ Rosa Parra, New York, NY.\n\n🙏🥺 **The Ask**\n\n1. **Introduce us to anyone you know who works (directly or indirectly) in real estate in Mexico, specially in areas frequented by tourists and expats like Cabo, Tulum, and etc.**. Real estate developers, agents, mortgage lenders, home marketplaces, mortgage marketplaces, appraisers, etc. Would love to chat with any of them!\n2. If you or anyone you know is trying to purchase real estate in Mexico or the Dominican Republic, let us know! We’ll make it a lot simpler :)\n3. If you know of anyone who has purchased real estate in a country they did not reside in, send them our way! We’ll pay them to tell us about their experience.\n4. If you have ever had to deal with cross-border paperwork, we’d love to hear about it! Whether you loved or hated the experience, we’ll probably learn something from it and might learn of new ways our platform could create value.", "url": "https://www.ycombinator.com/launches/Gsm-ruffo-cross-border-real-estate-transactions", "votes": 21, "created_at": "2022-07-26T15:57:44.534Z" } ] }, { "id": 27048, "name": "Payfura", "slug": "payfura", "former_names": [ "Rampay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.png", "website": "https://www.payfura.com", "all_locations": "Delaware City, DE, USA; Delhi, DL, India; Remote", "long_description": "Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods.\r\n\r\nKey Features:\r\n- Currencies supported: 150+ fiat currencies, 100+ crypto currencies.\r\n- Regions supported: US, Europe, LATAM, SEA, Africa.\r\n- Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more.\r\n- Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders\r\n- Handle KYC and AML compliances of local regions.\r\n- API and SDK integration.", "one_liner": "Global payment gateway to buy/sell crypto", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655701269, "tags": [ "DeFi", "Fintech", "SaaS", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/payfura", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/payfura.json", "year_founded": 2022, "city": "Delaware City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/payfura/", "x_url": "https://twitter.com/payfura", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.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": 1010150, "full_name": "Gajendra Khatri", "title": "Founder", "founder_bio": "Head of Engineering | YC Founder (S22) | AI Agents, RAG, MCP, LLM Orchestration | Node.js, TypeScript, Python | Built 0→1 at Payfura & ExpaHealth | Distributed Systems | Kubernetes | Crypto/Fintech | Open to Remote Roles", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gajendra-khatri-9955a14a/", "x_url": "https://twitter.com/gkhatri94", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a6a069e08fd8194ae761506ab26df347c36477cc.jpg" }, { "user_id": 852362, "full_name": "Sagar Agarwal", "title": "Founder", "founder_bio": "CTO at Payfura", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sagar-agarwal-625317a1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/725968fd96a1729ec2ccf2355bc42e7299c87e99.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65348, "title": "Rampay - Fiat<>Crypto on/off ramp payment gateway for web3 applications.", "tagline": "Our state of the art APIs makes it seamlessly easy for web3 applications to allow conversion of fiat to crypto and vice-versa on their platform.", "body": "Hi All, we are [Gajendra](https://www.linkedin.com/in/gajendra-khatri-9955a14a/) & [Sagar](https://www.linkedin.com/in/sagar-agarwal-625317a1/), we are super excited to introduce [Rampay](https://rampay.io/)!\n\n### **🚀TL;DR**\n\n[Rampay](https://rampay.io) allows web3 applications like crypto exchanges, wallets, NFT marketplaces etc. to enable their users to convert fiat to crypto and vice-versa using local payment methods of a region.\n\nThe compliance requirements regarding KYC and AML are handled within the solution and the integration is available over API and widget.\n\n### **❓Problem**\n\n* Web3/Blockchain applications need a seamless bridge between fiat and crypto to onboard users globally.\n* Lack of buying/selling crypto with local payment methods of a region.\n* High platform fees and price spread in the existing solutions.\n\n### **🎯Solution**\n\nAt Rampay we are building a next generation payment infrastructure to on/off ramp crypto with fiat, so our partners can grow business across different geographies in a compliant way by just integrating with us. Key features are:\n\n* **Currencies supported**: 150+ fiat currencies, 100+ crypto currencies.\n* **Regions supported**: US, Europe, LATAM, SEA, Africa.\n* **Payment methods**: Credit/Debit cards, SEPA, Apple pay, Google pay, E-wallets, Bank transfers and many more.\n* **Partner Dashboard:** A powerful dashboard for partners to get detailed insights and analytics for their orders\n* Handle KYC and AML compliances of local regions.\n* API and IFrame integration.\n\n### **🚀Flow**\n\n![uploaded image](/media/?type=post&id=65348&key=user_uploads/1010150/a163675c-2eaf-4b33-be5f-5cbdab7c5e60)\n\n![uploaded image](/media/?type=post&id=65348&key=user_uploads/1010150/369310e3-5db1-4d51-84c9-5eb05a97c1f9)\n\n### **📒Backstory**\n\nBoth the founders have around 7 years of experience in the software engineering field, we have worked with small startups to big MNCs, we have been involved in the blockchain space for 4 years now.\n\nAfter having worked with web3 companies, we understood that allowing users to convert their fiat to crypto is a big pain point hindering growth of these companies and solving this requires a lot to be done on the compliance/regulatory side.\n\nAlso, we believe onboarding next billion users to web3 could not be achieved without there being a platform which allows seamless  conversion of fiat to crypto and vice versa with local payment methods of a region.\n\n### **💁Ask**\n\n1. If you are a web3 application looking out for an on/off ramp solution. Do reach out!\n2. If you have built fiat rails for emerging market, we would like to partner with you. Do reach out!\n3. If you have build a crypto liquidity solution, we would like to partner with you. Do reach out!\n\nPlease reach out to us at [gajendra@rampay.io](mailto:gajendra@rampay.io) or message us on [Linkedin](https://www.linkedin.com/in/gajendra-khatri-9955a14a/).\n\n### **Thanks**\n\nFeel free schedule a chat/demo with us at . Feedback is very welcome!", "url": "https://www.ycombinator.com/launches/H00-rampay-fiat-crypto-on-off-ramp-payment-gateway-for-web3-applications", "votes": 38, "created_at": "2022-08-13T18:19:59.713Z" } ] }, { "id": 27049, "name": "Anchor", "slug": "anchor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "website": "https://getanchor.co/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Anchor provides APIs, dashboard and tools that help developers easily embed and build banking products. This includes APIs for creating bank accounts, funds transfers, savings products, issuing cards and offering loans.\r\n\r\nWe also provide regulatory coverage and continuous compliance support to our partners.", "one_liner": "Embedded finance platform for African businesses", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1660159414, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "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/anchor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/anchor.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/getanchor/", "x_url": "https://twitter.com/withanchor", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1013452, "full_name": "Segun Adeyemi", "title": "Founder", "founder_bio": "Segun is the CEO & Co-founder of Anchor, the BaaS and embedded finance platform for Africa. He is an entrepreneur with years of experience in the African fintech space. He previously co-founded Amplifypay, a payment company that he sold in 2019 and helped JUMO expand into Nigeria.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/segunadeyemi/", "x_url": "https://twitter.com/segunhq", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/06e1a34db0714b0d07368961fbc16a5ea37f2754.jpg" }, { "user_id": 571824, "full_name": "GBEKELOLUWA OLUFOTEBI", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://nl.linkedin.com/in/olufotebig", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/97ed80bafc2987d9c0e0ffe038ce8b8808b34a62.jpg" }, { "user_id": 1013961, "full_name": "Olamide Sobowale", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/olamide-sobowale-4677a261/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e831db026386a761c793766a60416822fd47ed0a.jpg" } ], "jobs": [], "news": [ { "title": "Nigerian banking-as-a-service startup Anchor raises $1m pre-seed round - Disrupt Africa", "url": "https://disrupt-africa.com/2022/09/02/nigerian-banking-as-a-service-startup-anchor-raises-1m-pre-seed-round/", "date": "Sep 02, 2022" }, { "title": "Nigerian YC-backed startup Anchor comes out of stealth with $1M+ to scale its banking-as-a-service platform – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerian-yc-backed-startup-anchor-comes-out-of-stealth-with-1m-to-scale-its-banking-as-a-service-platform/", "date": "Aug 29, 2022" } ], "launches": [ { "id": 65296, "title": "Anchor - Banking as a service platform for Africa", "tagline": "Build accounts, cards, savings and payments into any app! 🚀", "body": "Hey YC Fam! 👋\n\nSegun, Olamide and Gbeke here to introduce [Anchor](https://bookface.ycombinator.com/company/27049)!\n\n**_TL;DR_: Anchor makes it easy to offer accounts, money movement, savings and card products in Africa. We provide APIs, dashboard and regulatory support for developers to build, embed and launch banking products.**\n\nCheck out our documentation [here](https://docs.getanchor.co/reference/overview) & request invite [here](https://airtable.com/shr4yvnnM9obXKhVe).\n\nWe released our private beta in May. We’ve signed-on 30+ companies including the largest telco in Africa and YC companies like [Fingo](https://bookface.ycombinator.com/company/23986), [Pivo](https://bookface.ycombinator.com/company/27262), [Tizeti](https://bookface.ycombinator.com/company/1442), [Curacel](https://bookface.ycombinator.com/company/25684), etc.\n\n**Why we built this**\n\nAcross Africa today, businesses spend \\~$0.5m and wait 18months before they can go to market with simple banking products. \n\nThis is because they have to cross many hurdles including:\n\n1. rigorous licensing and compliance processes; \n2. build many integration layers; \n3. manage complex banking and third party relationships; and \n4. invest in complicated core-banking infrastructure\n\nAs founders, we witnessed these pain first-hand in our experience building and working with fintechs. \n\nWe built Anchor to abstract away the complexities, so businesses can get started in 5minutes with a few lines of code.\n\n![uploaded image](/media/?type=post&id=65296&key=user_uploads/1013452/304627b7-0a38-43d9-a652-516420774395)\n\n**Who we are**\n\nWe are repeat founders with experience in the fintech space. Segun sold his previous payment company to [Carbon](https://getcarbon.co) and worked at [JUMO](https://jumo.world/). Olamide & Gbeke have worked with top African fintechs like [Kuda](https://kuda.com/), Carbon, and [TeamApt](https://teamapt.com/), and global tech giants like Google and [Booking.com](http://Booking.com).\n\n**Our ask 🙏**\n\n1. Contact us if you want to offer wallets, accounts, cards or savings products to your African customers.\n2. Connect us with digital businesses (fintechs, Saas companies, marketplaces/e-commerce platforms, etc).  \\\n \\[\\*\\*_\\* Quick forwardable blurb_\\*\\*_: A team of YC-backed, fintech engineers recently released an API to help developers build banking products. Check them out at_ [_getanchor.co_](http://getanchor.co) _and contact_ [_founders@getanchor.co_](mailto:founders@getanchor.co)_\\]_\n\n ", "url": "https://www.ycombinator.com/launches/GzA-anchor-banking-as-a-service-platform-for-africa", "votes": 19, "created_at": "2022-08-11T13:36:59.717Z" } ] }, { "id": 27086, "name": "AiPrise", "slug": "aiprise", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/770962df89cc8c39a3d3d7296d9e2bc0f02b1ea2.png", "website": "https://aiprise.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Verify your customers globally with a single platform. 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Previously led spam protection and Caller ID at Google.", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/chaitanyasarda", "x_url": "https://x.com/sardachaitanya", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/917e6a4fa86f922df03828423c7d6810410ce5a3.jpg" }, { "user_id": 991872, "full_name": "Rushabh Shah", "title": "Founder/Co-CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rushabh-shah-b7197198/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d47b43c725a7c88b7a2c47a531a12cf90b18727e.jpg" } ], "jobs": [ { "id": 82857, "title": "Account Executive - US", "url": "https://www.ycombinator.com/companies/aiprise/jobs/05SAS6H-account-executive-us", "location": "Bellevue, WA, US / San Jose, CA, US / New York, NY, US / Austin, TX, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80K - $90K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 87103, "title": "Account Executive - UK & EU", "url": "https://www.ycombinator.com/companies/aiprise/jobs/4KFw70w-account-executive-uk-eu", "location": "GB / Dublin, D, IE / Berlin, BE, DE / Remote (GB; Dublin, D, IE; Berlin, BE, DE)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "£60 - £67 GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 87104, "title": "Account Executive - LATAM", "url": "https://www.ycombinator.com/companies/aiprise/jobs/F6DedWi-account-executive-latam", "location": "Mexico City, CDMX, MX / SP, BR / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote (Mexico City, CDMX, MX; SP, BR; Buenos Aires, Buenos Aires, AR; Bogotá, Bogota, CO)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$45K - $50K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90107, "title": "Software Engineer II (USA)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/DldFdln-software-engineer-ii-usa", "location": "San Jose, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - 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$25K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95322, "title": "Software Engineer III (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/HWXS4fS-software-engineer-iii-bangalore-india", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 96243, "title": "Software Engineer II", "url": "https://www.ycombinator.com/companies/aiprise/jobs/QDwmfaa-software-engineer-ii", "location": "San Jose", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $185K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 96244, "title": "Account Executive - US", "url": "https://www.ycombinator.com/companies/aiprise/jobs/xrNmumL-account-executive-us", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 100235, "title": "Head of Customer Engineering", "url": "https://www.ycombinator.com/companies/aiprise/jobs/ISn5LBS-head-of-customer-engineering", "location": "San Jose", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$175K - $225K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100236, "title": "Software Engineer III - Senior Engineer", "url": "https://www.ycombinator.com/companies/aiprise/jobs/oqyXQsq-software-engineer-iii-senior-engineer", "location": "San Jose", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100238, "title": "Enterprise Account Manager - US", "url": "https://www.ycombinator.com/companies/aiprise/jobs/JdEk95s-enterprise-account-manager-us", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $120K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104002, "title": "Security Architect (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/Qc7W486-security-architect-bangalore-india", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹5M - ₹8M INR", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 104681, "title": "Software Engineer I (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/FwgWNWb-software-engineer-i-bangalore-india", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹1.5M - ₹3M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 105469, "title": "Senior Content Marketing Manager", "url": "https://www.ycombinator.com/companies/aiprise/jobs/7bvL6nM-senior-content-marketing-manager", "location": "San Jose / New York City", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105470, "title": "Product Designer II", "url": "https://www.ycombinator.com/companies/aiprise/jobs/cu6W9ZM-product-designer-ii", "location": "Bengaluru", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "₹2.5M - ₹3.5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106409, "title": "Security Architect (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/tYFN1nA-security-architect-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106410, "title": "Software Engineer III (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/Mc2WTCt-software-engineer-iii-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹5M - ₹8M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106411, "title": "Software Engineer II (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/xwWg5UF-software-engineer-ii-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106412, "title": "Software Engineer I (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/Yy2ZIqq-software-engineer-i-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹1.5M - ₹3M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 108189, "title": "Software Engineer I", "url": "https://www.ycombinator.com/companies/aiprise/jobs/F9rwzmT-software-engineer-i", "location": "San Jose", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$115K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109183, "title": "Bilingual Forward Deployed Engineer (English/Spanish)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/AGXNOXK-bilingual-forward-deployed-engineer-english-spanish", "location": "San Jose", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$115K - $130K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110847, "title": "Senior Manager, Revenue Partnerships", "url": "https://www.ycombinator.com/companies/aiprise/jobs/GsZq5xU-senior-manager-revenue-partnerships", "location": "San Jose, CA, US / Remote (New York, NY, US; Atlanta, GA, US; San Jose, CA, US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $160K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112057, "title": "Performance Marketing Manager", "url": "https://www.ycombinator.com/companies/aiprise/jobs/enmJTWS-performance-marketing-manager", "location": "San Jose, CA / New York City", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112059, "title": "Senior Product Marketing Manager", "url": "https://www.ycombinator.com/companies/aiprise/jobs/xKvR9Zl-senior-product-marketing-manager", "location": "San Jose", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$140K - $170K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 113075, "title": "Senior Manager, Revenue Partnerships", "url": "https://www.ycombinator.com/companies/aiprise/jobs/dNoy89t-senior-manager-revenue-partnerships", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116447, "title": "Software Engineer II, Frontend (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/Oj00FKI-software-engineer-ii-frontend-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 116451, "title": "Software Engineer II, Full Stack (Frontend Focused) (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/zrL3BmH-software-engineer-ii-full-stack-frontend-focused-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "AiPrise raises $12.5M to unify global KYB", "url": "https://www.axios.com/pro/fintech-deals/2025/10/08/aiprise-12-million-global-compliance", "date": "Oct 08, 2025" }, { "title": "Announcing our $2M raise | AiPrise", "url": "https://aiprise.com/blog/post/announcing-our-2-m-raise", "date": "Nov 01, 2022" } ], "launches": [ { "id": 77760, "title": "BusinessID by AiPrise 🚀 - Onboarding and verifying businesses made easy", "tagline": "Say goodbye to cumbersome onboarding processes and welcome a streamlined approach to business verification.", "body": "At [AiPrise](https://aiprise.com/), we are thrilled to unveil BusinessID, an innovative solution set to transform Know Your Business (KYB) checks, ushering in a new era of speed and efficiency. Say goodbye to cumbersome onboarding processes and welcome a streamlined approach to business verification.\n\n### **Why?**\n\nImagine you want to onboard a business on your platform. Here is what the traditional verification setup looks like - \n\n**Step 0:** Design a complicated Typeform (Requires 7-10 days)\n\n**Step 1:** Send a Google / Typeform link to the business/merchant to collect the following information about the company -\n\n* Name & Tax ID\n* Legal Information\n* UBO Information / Ownership Structure\n* Website Information\n* Registration documents \n* Address Proof\n* UBO Identity documents\n\n**Step 2:** Semi-automated validation of the above information (4-5 days)\n\n* Lookup business Tax ID and name in the local business registry\n* Order OFAC/AML/Sanctions/Adverse Media checks on the business\n* Document verification / KYC checks on each UBO + Legal Representative\n* Order OFAC/AML/Sanctions/Adverse Media checks on each UBO\n* Manually verify address proof\n* Follow up with customer for any missing information\n\n**Step 3:** Risk Analysis (0.5-1 hour)\n\n* Manually go through the website\n* Lookup business information and employee count on LinkedIn\n* Google search of the business to get insights on customer reviews/news articles, etc.\n* Manually go through provided documents and completely rely on intuition to spot fraudulent documents\n\n**Challenges of Traditional Verification:**\n\n* Time-consuming\n* Relies on inconsistent data sources\n* Difficulty scaling with diverse regulations across multiple geographies\n* Prone to fraud due to manual verification errors\n\n### **What is BusinessID?**\n\nBusinessID is a robust, comprehensive tool that drastically cuts down the time spent on verifying companies. This platform has a customizable onboarding UI, risk-based workflows, a case management tool, and country-specific templates.\n\n* **Customizable Onboarding Experience:** Tailored UI for efficient and brand-aligned verification.\n* **Comprehensive Verification Suite:** Streamlined business registry lookups, tax/VAT checks, and beneficial owner verification.\n* **Global Coverage with Local Precision:** Services in over 100 countries, ensuring compliance and thorough verification.\n* **Enhanced Risk Mitigation**: Advanced tools for fraud prevention and thorough due diligence.\n* **UBO Verification**: Seamless KYC on ultimate beneficial owners\n* **Access to Government Registries:** Where accessible, for authentic documentation\n\n### **How does it work?**\n\n[Watch BusinessID in action](https://youtu.be/wv7gybUpR2s)\n\n🤖 **Automated Verification at Its Finest**\n\nBusinessID conducts thorough checks within minutes, including:\n\n* Business registry lookup\n* Tax/VAT number verification\n* Beneficial owner verification\n* Address, phone, email, and website verification\n* Online presence analysis\n* Registration document verification\n* Document extraction from government registries \n* Occupation/nature of business checks\n* Sanctions, PEP, and adverse media checks\n\n**🚀 Elevate Your Business with BusinessID**\n\nBusinessID is more than a tool – it's a transformative solution for businesses seeking efficiency, security, and compliance. Don't let outdated KYB processes hold you back.\n\n**👉 Ready to Experience the Future of KYB Checks?**\n\nVisit us at [AiPrise](https://aiprise.com) to schedule your demo and see how BusinessID can revolutionize your business verification process.", "url": "https://www.ycombinator.com/launches/KEC-businessid-by-aiprise-onboarding-and-verifying-businesses-made-easy", "votes": 16, "created_at": "2024-01-23T15:00:37.955Z" }, { "id": 65290, "title": "AiPrise: Identity Verification Made Simple", "tagline": "Harness the power of all identity vendors through one platform", "body": "tl;dr We let you ensure that your users are really who they claim to be. We do this by integrating with multiple vendors and exposing them all through one single platform.\n\nHey everyone, Rushabh & Chaitanya here. We’re a team of enthusiastic product builders. Chaitanya brings 4+ years of experience in the Trust and Safety space as a tech lead from Google, while Rushabh brings an in-depth experience in building developer focussed products through his role as a Staff Engineer at Meta. We are super excited to publicly announce the launch of AiPrise. **We officially went live with our first few customers in just under 45 days!**\n\n### **⚠️ Problem**\n\nDoes your platform require you to know who your customers are (aka - KYC / identity verification)?\n\nPeople who have hunted for KYC/KYB providers in the past are probably already thinking - “Oh ok - here goes one more KYX provider”.\n\n_Hint: We aren’t yet another KYX provider_\n\nTrue identity verification is super challenging. **No one** provider is usually sufficient to meet all your needs. Each country has different compliance requirements, each platform has a different risk appetite, and simply checking the KYC boxes is usually not enough to prevent real fraud on a platform.\n\nOn an average, a company ends up integrating with **10+ identity providers** over time. Layering multiple vendors is not just more fraud proof, but also cost effective in certain cases.\n\nInteresting stuff we heard from other companies:\n\n1. **Cost Optimization** Local providers tend to be cheaper for a given region, but have limited coverage. Use a local provider for requests from a certain country, if it fails - fall back to a more expensive global provider.\n2. **Device Attributes:** Regular KYC checks have become too easy for fraudsters. In one case, fraudulent users gained access to legitimate IDs, but the attack was thwarted as all the requests came in with a specific screen resolution set by a bot farm.\n\nWe can go on and on about the list here, But the gist is that on an average, a company ends up writing **100+ rules** using a varied combination of APIs just to prevent account opening scams.\n\nThink about the complexity of the decision engine over time and the resources it takes to maintain them!\\\n\\\n**💡 Solution**\n\nMeet AiPrise: AiPrise provides companies with a single platform with pre-integrated APIs to pick and choose from and easily manage their identity stack.\n\nYou can quickly drag and drop the vendors that best suit your needs into a workflow, add conditional logic on top of it and voila! You are done!\n\nNo more talking to 10 different vendors and negotiating contracts with them. No more reading through the docs of 10 different vendors and integrating them one by one. **You only need to integrate with us once, and get access to all the APIs you need on the go!**\n\nWe already have 15+ vendors integrated on our platform - enabling not just the usual documentary checks, but also KYB and fraud detection.\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=65290&key=user_uploads/991872/05cd0a28-d59c-41ed-bda5-673ef156fd3c)\n\n_Glimpse of how you can manage your identity stack with AiPrise_\n\n**What’s more?**\n\n1. We also provide a client-side SDK with completely customizable onboarding screens, that you can integrate with in less than a day.\n2. AiPrise also comes with a set of predefined templates to get you compliance ready super quickly!\n3. Don’t see the API you need? Just shoot us an email and we will work with the API provider to make it available for you.\n\nAt AiPrise, we believe that identity verification is essential to establishing trust on any platform, and that it should be available to startups and big enterprises alike. Hence - **our platform has 0 upfront costs**!\n\n## **Asks**\n\n1. If you are using an existing KYC provider or are looking for one, we can help you future proof your compliance needs. Do reach out! \n2. If you have insights / experience in this space - we would love to learn from you! Please drop a comment and we will reach out to you.\n\nPlease reach out to us at [founders@aiprise.com](mailto:founders@aiprise.com) and we are happy to help set up your compliance and customer onboarding policy.\n\n**Thanks**\n\nFeel free schedule a chat/demo with us at . Feedback is very welcome!", "url": "https://www.ycombinator.com/launches/Gz4-aiprise-identity-verification-made-simple", "votes": 35, "created_at": "2022-08-11T06:42:56.668Z" } ] }, { "id": 27094, "name": "nsave", "slug": "nsave", "former_names": [ "Masref" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7bc3b22de4f9bb839b5daa69fa3ee21bb19e5fb.png", "website": "https://www.nsave.com", "all_locations": "London, England, United Kingdom", "long_description": "nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.", "one_liner": "Trusted $€£ accounts abroad for people from unstable economies.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659872123, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/nsave", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/nsave.json", "year_founded": 2022, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/nsavecom", "x_url": "https://twitter.com/withnsave", "fb_url": "https://www.facebook.com/nsavecom", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7bc3b22de4f9bb839b5daa69fa3ee21bb19e5fb.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": 794827, "full_name": "Amer Baroudi", "title": "Founder", "founder_bio": "Syrian-born entrepreneur and Rhodes Scholar, Amer holds two degrees from the University of Oxford and is a governance, policy, and finance expert. He co-founded award-winning international companies, built properties in Europe, served as the founding president of the Oxford Syria Society, and advised clients ranging from government authorities to a Premier League FC. He is a tireless optimist, an expert problem solver, and, secretly, a music composer.\n\nAmer is co-founder & CEO at nsave.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amer-baroudi/", "x_url": "https://twitter.com/Baroudi_Amer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/329c71a87206f7915e0c725f1f36dad9e21eb33c.jpg" }, { "user_id": 577114, "full_name": "Abdallah AbuHashem", "title": "Founder", "founder_bio": "Abdallah is the Co-founder of Masref. He is a Rhodes Scholar from Gaza, Palestine and a Stanford alum having worked at a number of Silicon Valley companies and startups. In his free time, Abdallah plays chess (yes because of the Queen's Gambit), reads books, and repeats watching the same 3 TV shows.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aabuhash/", "x_url": "https://twitter.com/aabuhashem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3173a1438dd4bff96ba1ea541d0d9162276f9715.jpg" } ], "jobs": [ { "id": 82144, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/nsave/jobs/aaWByx1-backend-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "£1 GBP", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "Sequoia, Y Combinator Join Fundraising by UK-Swiss Fintech Startup Nsave - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-01-10/sequoia-y-combinator-join-fundraising-by-uk-swiss-fintech-startup-nsave", "date": "Jan 10, 2025" }, { "title": "Swiss fintech nsave gets $4M to enable people from unstable economies open offshore accounts | TechCrunch", "url": "https://techcrunch.com/2024/03/22/nsave-gets-4m-seed-funding/", "date": "Mar 22, 2024" } ], "launches": [ { "id": 79615, "title": "🇨🇭nsave 🔒 - Trusted $€£ account abroad for people from unstable economies.", "tagline": "Helping people from countries where inflation in high and banking is broken protect their money and access safe financial services.", "body": "Hello! Amer from [nsave](https://www.nsave.com) here.\n\n[nsave](https://www.nsave.com) opens a trusted $€£ account abroad for people from unstable economies.\n\n![uploaded image](/media/?type=post&id=79615&key=user_uploads/794827/4e721169-1c41-4ff6-bfb8-c98bdce7309e)\n\n**Why?** 🔥\n\nI grew up in Syria and saw my family lose their life savings due to inflation and the inability to open a safe bank account abroad after the war.\n\nUnfortunately, when you come from a distressed country, banks label you as a \"high-risk\" client and, in most cases, refuse to provide banking services.\n\nI worked abroad in the black market for two years, and when I had to move again, I traveled with my savings in cash, literally strapped to my body.\n\nI had no choice. And like me, there are 700 million people globally who don't have access to safe banking purely because of their origin. This is wrong.\n\nThat's why we started nsave. Because everyone deserves the right to protect their hard-earned money in a safe place, regardless of where they come from.\n\n**Who are we?** 😃\n\n[Amer](https://www.linkedin.com/in/amer-baroudi/) (CEO), and [Abdallah](https://www.linkedin.com/in/aabuhash/) (CTO), two Rhodes Scholars who grew up in Damascus and Gaza and had destiny bring us to meet in Oxford. Together with an incredible team, we are on a mission to build a more inclusive global financial system.\n\nCollectively, we have experience in banking, regulatory compliance, and fintech and have worked for Morgan Stanley, Revolut, EY, Checkout, BNYM, Microsoft, and Robinhood.\n\n![uploaded image](/media/?type=post&id=79615&key=user_uploads/794827/946ee2f8-89c1-4ee7-8711-1588765b4059)\n\n**Our ask** 🙏\n\n* **Help spread the word:** tell your friends from **Lebanon** 🇱🇧, **Egypt** 🇪🇬, **Argentina** 🇦🇷, or similar countries 🌍 that suffer from high inflation about [nsave](https://www.nsave.com).\n * Quick blurb to copy & paste: _The nsave team 🇨🇭 is on a mission to provide trusted $€£ accounts abroad to people from unstable economies. Check them out at _[_www.nsave.com_](http://www.nsave.com/)_._\n* Show some love on social media: [LinkedIn](https://www.linkedin.com/company/nsavecom/), [Instagram](https://www.instagram.com/nsavecom/), [Twitter](https://twitter.com/withnsave), [Facebook](https://www.facebook.com/nsavecom).\n\nOur hope is to help as many people as possible. And if you are among the fortunate ones who don't need an nsave account, I hope you will support us in our endeavour.\n\nSincerely,\n\nAmer\n\nCo-Founder & CEO", "url": "https://www.ycombinator.com/launches/Ki7-nsave-trusted-account-abroad-for-people-from-unstable-economies", "votes": 31, "created_at": "2024-03-22T16:10:20.869Z" } ] }, { "id": 27137, "name": "PrimeVault", "slug": "primevault", "former_names": [ "Exchecker", "Excheqr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.png", "website": "https://www.primevault.com", "all_locations": "Bengaluru, KA, India; Remote", "long_description": "PrimeVault is the all-in-one digital asset and stablecoin platform for enterprises and financial institutions. Built for modern finance, PrimeVault combines secure wallets, programmable treasury, compliance, and market access in one seamless solution. \r\n\r\nWith robust security and modular infrastructure, PrimeVault empowers institutions to issue, manage, and move digital assets at scale.\r\n\r\nDiscover how we makes digital asset finance simple at primevault.com.", "one_liner": "Infrastructure powering stablecoin and digital finance", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1659127326, "tags": [ "Fintech", "Crypto / Web3", "Payments", "B2B", "Infrastructure" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/primevault", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/primevault.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/primevault", "x_url": "https://twitter.com/primevaultHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/excheqr", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.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": 982839, "full_name": "Prashant Upadhyay", "title": "Founder", "founder_bio": "Co-founder @ PrimeVault - turnkey technology platform for enterprises and financial institutions to launch and scale their digital assets use case: stablecoin-powered payments and issuance, RWA tokenization, crypto trading / brokerage and more. Formerly, first PM @ Rippling (YC W17) building and scaling payroll, payments, compliance, risk and accounting products. Math, payments and travel nerd.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/prashant-upadhyay/", "x_url": "https://twitter.com/prashantupd", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/17bbdd3ebf93ec39702cd94d4953478a00f5aa0c.jpg" }, { "user_id": 587423, "full_name": "Vivek Kumar", "title": "Founder", "founder_bio": "Co-founder @ PrimeVault,\nFormer Tech lead at Rippling", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivek-kumar-578013119/", "x_url": "https://twitter.com/vivek_kumar_15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/201e6eab4b6bcbcb45124b879c90179fe3e3a9b3.jpg" } ], "jobs": [ { "id": 65428, "title": "Full-time Backend Engineer", "url": "https://www.ycombinator.com/companies/primevault/jobs/zH4amoV-full-time-backend-engineer", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$40K - $45K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79609, "title": "Marketing & Growth Lead ", "url": "https://www.ycombinator.com/companies/primevault/jobs/3FXwQzR-marketing-growth-lead", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Dubai, Dubai, AE", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$20K - $34K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "YC-backed PrimeVault Builds the Future of Institutional DeFi - Decrypt", "url": "https://decrypt.co/154919/yc-backed-primevault-builds-the-future-of-institutional-defi", "date": "Sep 04, 2023" }, { "title": "Enterprise insights from YC S22 Demo Day | Wing Venture Capital", "url": "https://www.wing.vc/content/enterprise-insights-from-yc-s22-demo-day", "date": "Sep 15, 2022" }, { "title": "Crypto and web3 stands out in the YC Summer 2022 batch", "url": "https://techcrunch.com/2022/09/07/y-combinator-crypto-investment-summer-2022/", "date": "Sep 07, 2022" } ], "launches": [] }, { "id": 27150, "name": "Drip", "slug": "drip", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/daa4c79b64eaa4047ce7c01e17626b3c4aa7bbee.png", "website": "https://dripapp.com.br/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Drip combines the best of Pix and a credit card. We enable customers to pay with credit and earn 2%+ cashback with the speed and widespread acceptance of Pix.\r\n\r\nThrough our app customers can onboard, shop nearly anywhere and manage their payments. We're enabling transactions via Pix's existing network (85%+ of e-comm).", "one_liner": "Shop and pay in installments anywhere ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1654285945, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "Latin America", "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/drip", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/drip.json", "year_founded": 2021, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/usedrip/", "x_url": "https://twitter.com/pixdrip", "fb_url": "https://www.facebook.com/UseDripApp/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/daa4c79b64eaa4047ce7c01e17626b3c4aa7bbee.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": 806701, "full_name": "Patrick McDougall", "title": "Founder", "founder_bio": "Drip co-founder and CEO.\nWork exp: Previously at Nubank leading projects around Pix, e-commerce, and open banking, among others. Prior to joining Nubank, worked with fintech (Guiabolso), strategy consulting (Bain), and Private Equity (NASDAQ: VINP).\nEducation: INSEAD MBA + CFA.\nRunning enthusiast living in São Paulo/BR.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/patrick-mcdougall-sterea/", "x_url": "https://twitter.com/patrickfromdrip", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3d6b52b1b3ccfbdc613c52e8ea43df51ef8569fc.jpg" }, { "user_id": 1042011, "full_name": "Paulo Albuquerque", "title": "Founder", "founder_bio": "Paulo Albuquerque is the co-founder of Drip and leads the Engineering team. Engineering Manager for the last years, Paulo has been leading many teams in the Fintech industry. He is graduated in Computer Science with MBA in project management from Fucapi. ", "is_active": false, "linkedin_url": "http://linkedin.com/in/p-albuqueqrue", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77241e2eef106a50f87bd1a77cf5e7ae7bceb432.jpg" }, { "user_id": 1033288, "full_name": "Bianca Orsini", "title": "Founder", "founder_bio": "Bianca Orsini is the co-founder of Drip, which she leads with Patrick Mc Dougall Sterea and Paulo Albuquerque. A Product Manager for the most part of her career, she now drives the company’s product strategy and manages the product and design teams. Originally from Brasilia, Brazil, Bianca graduated from the Universidade de Brasilia where she received a Bachelor of Science in Civil Engineering and an MSc degree with specialization in Tunnel Construction.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/bianca-orsini-de-oliveira/", "x_url": "https://twitter.com/bianca_orsini", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a0c87635440fe78dc3792821d8cb343aa185796a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69129, "title": "Drip - Shop and pay in installments anywhere", "tagline": "Drip combines the best of a credit card with instant payments", "body": "tl;dr: Drip combines the best of Pix and a credit card. We enable customers to pay with credit and earn cashback with the speed and widespread acceptance of Pix.\n\n———————-———————-———————-————————————\\\nHi everyone! We are [Paulo](https://www.linkedin.com/in/p-albuquerque/), [Bianca](https://www.linkedin.com/in/bianca-orsini-de-oliveira/), and [Patrick](https://www.linkedin.com/in/patrick-mcdougall-sterea/) and we created Drip after working at Nubank because we believe a solution built on [Pix](https://www.bcb.gov.br/en/financialstability/pix_en) (Brazil's new instant payment scheme) can solve several of the problems with a credit card.\n\n![uploaded image](/media/?type=post&id=69129&key=user_uploads/806701/73d3523e-d0ac-4d4b-a8ce-47590cfcedbe)\n\n**🥵The problem with payments in Brazil**\n\nBrazil is pretty unique: 30% ($160B) of retail payments are already made in installments but the existing solutions are still uninspiring and 70% of the population want an alternative.\n\n* Exorbitant credit card APRs of 400%+\n* Undifferentiated credit card rewards of 0-1%\n* No prevailing easy payment button (e.g. Paypal, Apple Pay)\n\n \n\nMerchants do not get it better since they pay up to 10-20% to receive funds from a sale.\n\n**🤩Our solution**\n\nDrip combines the best of Pix and a credit card. We enable customers to pay with credit and earn 2%+ cashback with the low cost, speed, and widespread acceptance of Pix (80%+ of Brazilian e-commerce stores).\n\n![uploaded image](/media/?type=post&id=69129&key=user_uploads/806701/9c581e88-ba27-4513-8d22-1ae199d42a24)\n\n🔮**How it works**\n\n1. Download our app\n2. Choose your favorite store\n3. Browse and shop how you like\n4. Select to pay with Drip through Pix\n\n ![uploaded image](/media/?type=post&id=69129&key=user_uploads/806701/4da6ffbd-8750-4de1-a56d-c715f58c6b98)\n\n\n**💪Ask**\n\n* If you're in Brazil, [try it out](https://dripapp.com.br/). We're available on iOS, Google Play\n* Share feedback with us at [founders@dripapp.com.br](mailto:founders@dripapp.com.br)", "url": "https://www.ycombinator.com/launches/Hyz-drip-shop-and-pay-in-installments-anywhere", "votes": 29, "created_at": "2023-02-08T16:25:21.256Z" } ] }, { "id": 27160, "name": "Drahim 💰", "slug": "drahim", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/96103cd7aac43855d9ebc13e579a9aacb9a1126b.png", "website": "https://drahim.sa", "all_locations": "Riyadh, Riyadh Province, Saudi Arabia", "long_description": "\"Drahim\" is a slang for money in Arabic (from the ancient Greek Drachma).\r\n\r\nThe app integrates with banks and provides individuals meaningful spending insights and generates auto savings and investment advice.\r\n\r\nFor the meaningful insights, the app integrates with banks and automatically categorizes all of your transactions (All of your accounts in one place) and spots spending patterns and behaviors.\r\n\r\nDrahim then suggests a saving and investing plan that allows the user to continue living comfortably and to keep spending guilt-free.\r\n\r\nOur focus is not necessarily to save you money, rather we grow your money discreetly. Drahim allows you to continue spending but feeling way better doing it.", "one_liner": "WealthFront for Saudi & Middle East", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1653766161, "tags": [ "Fintech", "Analytics", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Saudi Arabia", "Middle East and North Africa", "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/drahim", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/drahim.json", "year_founded": 2021, "city": "Riyadh", "country": "SA", "linkedin_url": "https://www.linkedin.com/company/drahim", "x_url": "https://twitter.com/drahimapp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/96103cd7aac43855d9ebc13e579a9aacb9a1126b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 869550, "full_name": "Sultan Alkhayal", "title": "Founder", "founder_bio": "Sultan previously founded a software development agency that built products for 20+ enterprise customers, including 2 unicorns, that reached 80+ million users around the world.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sultanalkhayal/", "x_url": "https://twitter.com/sultankme", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7e21e48519a36871f4baac6a9a9a8074a6324794.jpg" }, { "user_id": 954880, "full_name": "Yasser Alshurihi", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/y1sser/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f1e0cb03c389991abcb8ea4469797fa4e3a22b2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27178, "name": "Pump.co", "slug": "pump-co", "former_names": [ "Pump" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e52daa194550c954ede0338084d6994d0aeefde.png", "website": "https://www.pump.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Pump saves up to 60% off AWS for early stage startups, and for free (yes, that's right). Using group buying and AI, Pump automates cost savings that require no engineering effort. #GetPumped ", "one_liner": "The Costco for cloud is here 🔥🔥", "team_size": 75, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1681178261, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/pump-co", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pump-co.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pumpbilling/", "x_url": "https://twitter.com/pumpdotco", "fb_url": "https://www.facebook.com/pumpbilling", "cb_url": "https://www.crunchbase.com/organization/pump-b398", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e52daa194550c954ede0338084d6994d0aeefde.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/68e6586a1593ff9aae0f0f07cacf0e9478a55a4f.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1048566, "full_name": "Spandana Nakka", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Pump.co - Building the Costco of cloud.\nPreviously built a fintech startup, Sleek that was acquired by Snackpass in 2021.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/spndn07/", "x_url": "https://www.twitter.com/spndn07/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1074d2d92904d25efb73aff3b33314672f39060f.jpg" } ], "jobs": [ { "id": 60455, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/r0JLcxL-senior-backend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $200K", "equity_range": "0.10% - 0.40%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Node.js", "PostgreSQL", "Python", "React", "TypeScript", "Redshift" ] }, { "id": 65127, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/pump-co/jobs/UuqyQg7-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$290K - $430K", "equity_range": "0.01% - 0.10%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 69101, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/pump-co/jobs/KHgx10l-business-development-representative", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $80K", "equity_range": "0.01% - 0.05%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 69858, "title": "Frontend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/qPjM5lP-frontend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$100K - $160K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Node.js", "PostgreSQL", "Python", "React", "TypeScript", "Redshift" ] }, { "id": 70932, "title": "Solutions Architect", "url": "https://www.ycombinator.com/companies/pump-co/jobs/sVIZja5-solutions-architect", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$70K - $150K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Node.js", "PostgreSQL", "Python", "React", "TypeScript", "Redshift" ] }, { "id": 77044, "title": "Senior Frontend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/uVGN9qX-senior-frontend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 77323, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/Ny4eT9d-backend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$120K - $160K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] }, { "id": 80181, "title": "Channel Partnerships Manager—GCP", "url": "https://www.ycombinator.com/companies/pump-co/jobs/wukMaym-channel-partnerships-manager-gcp", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $160K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud" ] }, { "id": 80182, "title": "Channel Partnerships Manager- AWS", "url": "https://www.ycombinator.com/companies/pump-co/jobs/BHk6it8-channel-partnerships-manager-aws", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $160K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)" ] }, { "id": 97372, "title": "DevOps Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/saieOA4-devops-engineer", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $200K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "PostgreSQL", "Python", "Terraform" ] }, { "id": 103203, "title": "Brand Designer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/u4TAJkO-brand-designer", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103205, "title": "Engineering Manager", "url": "https://www.ycombinator.com/companies/pump-co/jobs/lllpVvx-engineering-manager", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103206, "title": "Brand Designer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/Q6Lg05D-brand-designer", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103207, "title": "In-House Counsel", "url": "https://www.ycombinator.com/companies/pump-co/jobs/HMuXu3v-in-house-counsel", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103208, "title": "Engineering Manager", "url": "https://www.ycombinator.com/companies/pump-co/jobs/GU634nt-engineering-manager", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103210, "title": "In-House Counsel", "url": "https://www.ycombinator.com/companies/pump-co/jobs/tINhe6s-in-house-counsel", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107334, "title": "Customer Success Manager", "url": "https://www.ycombinator.com/companies/pump-co/jobs/HZde7q3-customer-success-manager", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107335, "title": "Partnerships Lead", "url": "https://www.ycombinator.com/companies/pump-co/jobs/25KODLP-partnerships-lead", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "How Tech Startups Can Crack the Code of Cloud Infrastructure Costs | Inc.com", "url": "https://www.inc.com/sean-kim/how-tech-startups-can-crack-code-of-cloud-infrastructure-costs.html", "date": "Apr 13, 2024" }, { "title": "The 18 most interesting startups from YC's Demo Day show we're in an AI bubble | TechCrunch", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/", "date": "Apr 03, 2024" }, { "title": "Pump: cutting cloud service expenses like no other platform can", "url": "https://www.digitaljournal.com/business/pump-cutting-cloud-service-expenses-like-no-other-platform-can", "date": "Nov 23, 2023" }, { "title": "How Pump is redefining cloud cost savings | VentureBeat", "url": "https://venturebeat.com/business/how-pump-is-redefining-cloud-cost-savings/", "date": "Nov 20, 2023" }, { "title": "Group Buying Brings Relief to Ever Rising Cloud Costs | Entrepreneur", "url": "https://www.entrepreneur.com/en-in/technology/group-buying-brings-relief-to-ever-rising-cloud-costs/464578", "date": "Oct 31, 2023" } ], "launches": [ { "id": 75947, "title": "Pump India - Save 60% on AWS for free, now live in India 🇮🇳💚", "tagline": "With group buying and AI, startups can save like the big tech", "body": "**TL;DR -**\n\n[**Forbes called us ‘Costco of Cloud compute’ recently**](https://www.forbes.com/sites/davidprosser/2023/10/05/how-pump-promises-to-slash-your-runaway-cloud-computing-costs/). With group buying and AI, Pump can save you up to 60% on your AWS compute spend without any engineering effort or financial risk. We signed up over 250+ customers in the last 6 months, including over 50+ YC companies.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=75947&key=user_uploads/1048566/a5968ddd-cd3b-4eb2-8a64-79f8ab7dea8f)\n\n**How does Pump work?**\n\nAWS incentivizes long term commitments, 1 year to 3 year with high discounts. Not only does this require careful planning & thorough future forecasting, but small startups are often not able to commit for such long periods. That’s where Pump comes in, we bring companies together under one umbrella - as long as there’s other companies within the same region and using the same instance as you, Pump rotates these commitments across Company A to B and so on; thus shrinking a 3 year commitment to just about a month; maximum savings and minimal risk 😀\n\n![](https://assets-global.website-files.com/634b9f9236d9ffdc11dc0eb6/65041ea8580984bf8c7e4065_pump-schema.webp)\n\n**What’s new with this launch?**\n\nPreviously, we could work with companies around the world with the exception of India (irony much?). For legal and tax reasons, AWS has set up a completely different entity for the country and to work with Indian customers, we ourselves had to setup a subsidiary in India. Our second highest traffic & signups always came from India since our launch in April, and given this strong pull we decided to go down this path even as a young company.\n\nWe are beyond PUMPED to go live in India and save Indian customers up to 60% on AWS costs!\n\n**Why this launch is important?**\n\nWhile adapting our product for India wasn’t that much work, we went through a grueling 4 months of copious paperwork, legalese and tests of patience.\n\nThere was just so much monumental effort that went in that we essentially had to package this as a launch :’)\n\n**How to get started?**\n\n![uploaded image](/media/?type=post&id=75947&key=user_uploads/1048566/7f11d87f-9555-44a2-bff9-a96ce9679e39)\n\n**🙏 Our ask:**\n\nIf you’re an Indian company (or otherwise too), sign up at [**app.pump.co**](https://www.forbes.com/sites/davidprosser/2023/10/05/how-pump-promises-to-slash-your-runaway-cloud-computing-costs/) and to see your estimated savings.\n\n[**https://youtu.be/5L5SEQaXlNw**](https://www.forbes.com/sites/davidprosser/2023/10/05/how-pump-promises-to-slash-your-runaway-cloud-computing-costs/)", "url": "https://www.ycombinator.com/launches/Jkx-pump-india-save-60-on-aws-for-free-now-live-in-india", "votes": 6, "created_at": "2023-11-02T14:55:14.978Z" }, { "id": 71529, "title": "Pump: The fastest way to save 60% on AWS", "tagline": "Use AI to optimize your cloud savings on autopilot. Meet Pump, FinOps fully automated with AI.", "body": "[Pump](https://bit.ly/3ZeSLWM) is the FASTEST to save up to 60% on your AWS bills with zero engineering effort and financial risk.\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/9e12619b-721e-4678-99f3-a8a18080e2ed)\n\n**🤖 How Pump saves so much:**\n\nPump’s AI to continuously optimizes AWS discount commitments, our customers get the best price without needing to constantly monitor and adjust their AWS usage. Our optimization algorithms identify which hourly commitments are most cost-effective for your specific usage patterns, so you never pay for more than you need. Additionally, we offer a group volume tier discount, similar to Groupon, based on combined usage across all our customers.\n\nList of all the AWS services we support is [here](https://help.pump.co/overview/list-of-aws-discounts). We are the **_ONLY_** company that has this breadth on market.\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/18daa710-01d2-4183-b9b7-d6a5d5a6664f)\n\n**😎 Our Happy Customers:**\n\nSince we launched last month on Product Hunt as #1 of the day, we have had signups reaching up to over 100+ customers, saving them hundreds of thousands of dollars. Check out what they have to [say!](https://www.pump.co/#love)\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/1cd2bdd1-d070-448b-88ba-6676f8a83804)\n\n**⚙️ How to get started:**\n\nJust 3 clicks to start saving and a fully self serve experience that doesn’t force you to talk to a human (unless you want to?)\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/59c0d8ae-7374-44cc-8c5a-311c7a0f828d)\n\n**😎 Why we are a _no-brainer_:**\n\nPump monetizes through a small percentage from the volume discounts of the collective large spend achieved. 100% of our revenue comes from AWS. We believe saving costs should not be a cost in itself for our customers.\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/9f098122-6f23-49a5-ba23-4cb3b31abd13)\n\n**🙏 Our ask:**\n\nSign up today at [www.pump.co](http://www.pump.co) to see your estimated savings even if you are already cost optimized, no obligation to use us if you don’t like that additional savings $ that Pump can save you! - if you have any questions please contact me at [sn@pump.co](mailto:sn@pump.co) :)\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/fcf2b0e9-c942-4b1a-85e5-8e42a485bb00)\n\n", "url": "https://www.ycombinator.com/launches/Ibh-pump-the-fastest-way-to-save-60-on-aws", "votes": 158, "created_at": "2023-05-11T21:43:35.399Z" } ] }, { "id": 27191, "name": "AlgoTest", "slug": "algotest", "former_names": [ "Fintrix" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee27828a872551486a5a61cefdc3f0f73dca1b91.png", "website": "https://algotest.in", "all_locations": "Delhi, DL, India", "long_description": "AlgoTest is an algorithmic options trading platform for Indian retail traders. For the first time ever, day traders will be able to trade using the same technology as the top hedge funds and high-frequency trading firms of the world.\r\n\r\nThe company is founded by Raghav Malik (Financial Engineering @ Columbia Univ), an HFT technologist and former options market-maker in the US.", "one_liner": "Ecosystem for options trading in India", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658736780, "tags": [ "Fintech", "No-code" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/algotest", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/algotest.json", "year_founded": 2021, "city": "Delhi", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/algotest", "x_url": "https://twitter.com/AlgoTest_in", "fb_url": "https://www.facebook.com/AlgoTestIndia/", "cb_url": "https://www.crunchbase.com/organization/fintrix", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee27828a872551486a5a61cefdc3f0f73dca1b91.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": 91048, "full_name": "Raghav Malik", "title": "Founder", "founder_bio": "Raghav (CEO) started his career as an options market-maker in New York. He then made the shift from trading to technology, building low-latency trading software from the ground up for Indian HFT firms.\n\nHe holds a bachelor’s degree in Mathematics from University of Waterloo and a Masters degree in Financial Engineering from Columbia University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/raghav-malik-96a8932/", "x_url": "https://twitter.com/rogue_hft", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e1658a99bca84e1aa088af76ea2bb7184cbb9fb.jpg" } ], "jobs": [ { "id": 55672, "title": "Founding Frontend Engineer (ReactJS)", "url": "https://www.ycombinator.com/companies/algotest/jobs/Revs078-founding-frontend-engineer-reactjs", "location": "New Delhi, Delhi, India", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$15K - $25K", "equity_range": "0.10% - 0.35%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "CSS", "JavaScript", "React" ] }, { "id": 56643, "title": "Founding Full Stack Engineer", "url": "https://www.ycombinator.com/companies/algotest/jobs/8WmJHTX-founding-full-stack-engineer", "location": "DL, IN / Delhi, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$10K - $30K", "equity_range": "0.10% - 0.50%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Flask", "JavaScript", "Python", "React", "Microservices" ] }, { "id": 60856, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/algotest/jobs/970JFzZ-product-designer", "location": "New Delhi, DL, IN", "type": "Full-time", "role": "Design", "role_type": "UI / UX", "salary_range": "₹600K - ₹1.2M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Figma" ] } ], "news": [], "launches": [ { "id": 64897, "title": "AlgoTest - Algorithmic Trading Platform for India's Day Traders", "tagline": "We bring cutting edge research and execution to India's day traders", "body": "### **tl;dr:** On AlgoTest, you can test your trading strategies for free and deploy them to the live market, without writing any code 😎😎\n\nWe’re [Raghav](https://www.linkedin.com/in/raghav-malik-96a8932/) and [Rajat](https://www.linkedin.com/in/jaiswal-rajat/), founders at [AlgoTest](https://algotest.in)!\n\n### **The Problem**\n\nOver the last 5 years, the number of day traders in India has 💥**EXPLODED💥**. Last year, more options traded in India’s National Stock Exchange than in all US exchanges combined!\n\nBUT, the tools that these day traders use to trade are **nascent**, **inefficient**, and **costly**.\n\n### **How do we help?**\n\nWe’ve built similar tools for institutions like hedge funds and HFT firms before. Our tools are **10x more powerful**, and **cost a fraction** of what retailers currently pay.\n\nOur first tool, a free options backtester with a no-code interface, now comes with a Live Execution Engine.\n\nThis means that any strategy you test with our backtester can now be deployed to the live market at the click of a button!\n\n### **The ASK**\n\nIf you have a trading account in India, check us out on [algotest.in](http://algotest.in), or give us a shoutout on [Twitter](https://twitter.com/algotest_in).", "url": "https://www.ycombinator.com/launches/Gsj-algotest-algorithmic-trading-platform-for-india-s-day-traders", "votes": 209, "created_at": "2022-07-26T15:00:54.937Z" } ] }, { "id": 27194, "name": "REVER", "slug": "rever", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3a30a32b053472aa128b79b5f8e1a099aa963a1b.png", "website": "https://itsrever.com/", "all_locations": "Barcelona, CT, Spain; CT, Spain", "long_description": "We receive any product in 24h anywhere on the planet, but... Why can't we also return & get refunded just as quickly?\r\n\r\nREVER is a game-changing shopping experience that makes eCommerce returns possible in 2 clicks and refunds in 24h.\r\n\r\nThe REVER team is shaping the future of eCommerce bringing frictionless, superfast and sustainable returns to everyone, anytime, anywhere. Because returning should be as easy as buying. \r\n\r\nREVER's ambition is to dominate ALL eCommerce post-sale services by creating the world's first global platform for online returns.\r\n\r\nREVER is currently handling +100M€ in yearly returns, with more than 50M€ in revenues\r\n\r\nIf you are an eCommerce and want to revolutionise your returns experience find out more at: www.itsrever.com", "one_liner": "Changing the way people buy by giving superpowers to shoppers", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658154864, "tags": [ "Fintech", "SaaS", "B2B", "Logistics", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rever", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/rever.json", "year_founded": 2022, "city": "Barcelona", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/itsrever", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3a30a32b053472aa128b79b5f8e1a099aa963a1b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 873036, "full_name": "Marius Montmany", "title": "Founder", "founder_bio": "Founder @ REVER", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mmv1/", "x_url": "https://twitter.com/mmrtsv", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e476a8b2ff665e849edfdf20e0b99a67fce6db45.jpg" }, { "user_id": 976038, "full_name": "Oriol Hernandez i Fajula", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oriolhf/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/802c2af18b3ac58ca85fe4758e95df03af68de33.jpg" } ], "jobs": [ { "id": 60029, "title": "Global Operations & AI Intern", "url": "https://www.ycombinator.com/companies/rever/jobs/bClINAp-global-operations-ai-intern", "location": "Barcelona, CT, ES", "type": "Internship", "role": "Operations", "role_type": null, "salary_range": "€600 - €1.2K EUR / monthly", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 70713, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/rever/jobs/fy3YaaK-software-engineer", "location": "Barcelona, CT, ES / ES", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€40K - €70K EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 78494, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/rever/jobs/CjCpj0t-backend-engineer", "location": "Barcelona, CT, ES / ES", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "€40K - €70K EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 78495, "title": "Account Executive Spain (Enterprise)", "url": "https://www.ycombinator.com/companies/rever/jobs/H6t6mR3-account-executive-spain-enterprise", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$40 - $55", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 78550, "title": "Key Account Manager (large accounts)", "url": "https://www.ycombinator.com/companies/rever/jobs/vOfUmst-key-account-manager-large-accounts", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79291, "title": "Key Account Manager (Italy Market)", "url": "https://www.ycombinator.com/companies/rever/jobs/ItpH6OL-key-account-manager-italy-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79306, "title": "SDR Senior US Market", "url": "https://www.ycombinator.com/companies/rever/jobs/nQFMCOU-sdr-senior-us-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES / Remote", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$40K - $55K", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 81463, "title": "Key Account Manager (Spanish Market)", "url": "https://www.ycombinator.com/companies/rever/jobs/4KZldf0-key-account-manager-spanish-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 81584, "title": "Junior Software Engineer", "url": "https://www.ycombinator.com/companies/rever/jobs/TkoX6t1-junior-software-engineer", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€30 - €70 EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 82961, "title": "SDR French Market", "url": "https://www.ycombinator.com/companies/rever/jobs/K8722eq-sdr-french-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€25K - €35K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85978, "title": "Founding Account Executive - German speaking", "url": "https://www.ycombinator.com/companies/rever/jobs/ejbx3Kj-founding-account-executive-german-speaking", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "0.10% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85979, "title": "Founding Sales Development Representative - German speaking", "url": "https://www.ycombinator.com/companies/rever/jobs/YfPwzJW-founding-sales-development-representative-german-speaking", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "0.10% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 98156, "title": "Founding SDR Internship - German speaking", "url": "https://www.ycombinator.com/companies/rever/jobs/pzQ6oqJ-founding-sdr-internship-german-speaking", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "€1K - €2K EUR / monthly", "equity_range": "0.10% - 1.00%", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 98762, "title": "Founding Market Operations Launcher (DACH)", "url": "https://www.ycombinator.com/companies/rever/jobs/jzPXTKf-founding-market-operations-launcher-dach", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€35K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 116459, "title": "FDE (Forward Deployment Engineer)", "url": "https://www.ycombinator.com/companies/rever/jobs/G96JvtT-fde-forward-deployment-engineer", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Engineering", "role_type": "AI engineer", "salary_range": "$35K - $50K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Y Combinator-backed Rever aims to modernize refunds and returns | TechCrunch", "url": "https://techcrunch.com/2023/06/19/y-combinator-backed-rever-aims-to-modernize-refunds-and-returns/", "date": "Jun 19, 2023" }, { "title": "Y Combinator-backed Rever aims to modernize refunds and returns | TechCrunch", "url": "https://techcrunch.com/2023/06/19/y-combinator-backed-rever-aims-to-modernize-refunds-and-returns/", "date": "Jun 19, 2023" }, { "title": "Forbes 30 Under 30 2023: Retail & Ecommerce", "url": "https://www.forbes.com/30-under-30/2023/europe/retail-ecommerce?profile=rever", "date": "Jan 01, 2023" }, { "title": "Four-month-old Rever revs up e-commerce returns, joins Y Combinator - Tech.eu", "url": "https://tech.eu/2022/07/20/four-month-old-rever-revs-up-e-commerce-returns-joins-y-combinator", "date": "Jul 20, 2022" } ], "launches": [ { "id": 64735, "title": "REVER: easy returns, faster refunds", "tagline": "We make eCommerce returns possible in 2 clicks and refunds in minutes", "body": "# **TLDR;**\n\n[REVER](https://www.itsrever.com) is a game-changing shopping experience that makes eCommerce returns possible in 2 clicks and refunds in 24h.\n\nIf you are an eCommerce and want to revolutionise your returns experience find out more at: [www.itsrever.com](http://www.itsrever.com)\n\n![uploaded image](/media/?type=post&id=64735&key=user_uploads/873036/be6533fe-8eb5-41ec-a6b3-5a4bafa6ebd7)\n\n# **What are we solving?**\n\nReturns are the new normal, reaching up to 30% of online sales in western markets, making reverse logistics a $500B/year industry globally. Moreover, margins and growth are at risk for eCommerces if they don't adapt:\n\n* **70% of customers** check the return policy before buying\n* **89% of customers won't buy again** after a bad return experience\n* **10 working days** is the average time it takes to get refunded after an online return\n\n# **Solution**\n\n1. A customizable whitelabel returns portal for eCommerce and retailers of the world, so that their end customers are able to request returns in **2 just clicks**\n2. Once a return request comes in, REVER has a **superfast** refund solution, that makes customers get refunded in less than **1 minute** (vs. 21 days today!)\n3. We are integrated with **+50 logistics carriers** to make the collection process easier and faster too, and centralize the information in a single dashboard (SaaS) that enables eComs to manage their returns more efficiently.\n\n# **Why are we doing this?**\n\nBecause returning should be as easy as buying. REVER is shaping the future of eCommerce bringing frictionless, superfast and sustainable returns to everyone, anytime, anywhere. Our's ambition is to dominate ALL eCommerce post-sale services by creating the world's first global platform for online returns.\n\nMarius, while at Glovo as Global Head of Logistics, was approached by multiple clients (Aliexpress, Apple, Nike, etc.) who wanted a solution for returns management, Glovo was offering them a Last Mile solution, but they also needed a solution for returns.\n\nOriol carried out the reverse logistics strategic plan USA's biggest carrier while at BCG and, working at Bank of America Merrill Lynch, participated a series of multi-billion deals involving the world's biggest fashion marketplaces and detected that returns are a critical part of the operations and financial performance for eCommerce.\n\n# **How to get started?**\n\nWe are offering a 1-month free trial to retailers that want to join the future of eCommerce. If you are struggling with your returns, send us an email at [sales@itsrever.com](mailto:sales@itsrever.com).", "url": "https://www.ycombinator.com/launches/Gq7-rever-easy-returns-faster-refunds", "votes": 40, "created_at": "2022-07-19T16:21:19.191Z" } ] }, { "id": 27205, "name": "Kashin", "slug": "kashin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "website": "https://kashin.app/", "all_locations": "Lima, Callao Region, Peru; Lima, Lima Province, Peru; Remote", "long_description": "Credit for the emerging economy in Latam.\r\nWe have 10K users and nearly $2M in annualized revenue, from our small loans to micro-merchants and individuals in the informal economy.\r\nWe do our underwriting with our proprietary AI risk model processing 250+ variables from the user's smartphone and credit bureau.", "one_liner": "Credit for the emerging economy in Latam", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1659548596, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Peru", "Latin America", "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/kashin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/kashin.json", "year_founded": 2020, "city": "Lima", "country": "PE", "linkedin_url": "https://www.linkedin.com/company/68777723", "x_url": "https://twitter.com/kashin_app", "fb_url": "https://www.facebook.com/kashinpe", "cb_url": "https://www.crunchbase.com/organization/kashin", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 586979, "full_name": "Christophe Robilliard", "title": "Founder", "founder_bio": "Engineer with a passion for solving problems.\nFormer experiences: McKinsey Consultant, Easy Taxi General Manager, Cabify Regional Manager, and Ligo COO.\nLove sports: surf, tennis, soccer, squash, and more.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chrobilliard/", "x_url": "https://twitter.com/CRobilliard", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cc45496bcb52ff22547bfeec734b69b8cbdc05a.jpg" }, { "user_id": 597708, "full_name": "Jose Palacios", "title": "Founder", "founder_bio": "Founder and Critical Thinking Officer @ Kashin", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thetex/", "x_url": "https://twitter.com/iamt3x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d5bf4c795541b5656be06a65854164e0d49bed7.jpg" } ], "jobs": [], "news": [ { "title": "Our 10 favorite startups from YC's S22 Demo Day: Part 2 • TechCrunch", "url": "https://techcrunch.com/2022/09/08/our-10-favorite-startups-from-ycs-s22-demo-day-part-2/", "date": "Sep 08, 2022" }, { "title": "Estos exejecutivos de Cabify crearon en Perú una fintech de nanocréditos que acaba de ingresar a Y Combinator", "url": "https://forbes.pe/negocios/2022-08-03/estos-exejecutivos-de-cabify-crearon-en-peru-una-fintech-de-nanocreditos-que-acaba-de-ingresar-a-y-combinator/", "date": "Aug 03, 2022" } ], "launches": [ { "id": 65160, "title": "Kashin: The preferred financial app for the underbanked in Latam", "tagline": "Meet Kashin, the digital wallet that is trusting the underbanked in Latam", "body": "Hi everyone, we are **Kashin**, and our goal is to give access to financial products - not just bank accounts - to the informal economy in Latin America.\n\n![uploaded image](/media/?type=post&id=65160&key=user_uploads/586979/12f259f3-349a-432c-8f60-20424c451d9b)\n\nWe serve users directly through our app. Our core product is a digital wallet, but we decided to start with the most difficult value-added product of all: Loans.\n\nThe main issue behind lending in this segment is the high default rate - traditionally around 15%, and we have it below 8%. Our major disruption is our **collaborative credit algorithm** so that our users create their own social network of endorsers in our mobile app. The benefits improve according to the behavior of the user and his friends.\n\nSince many of our users are micro-entrepreneurs, we are developing our second product: a Soft-POS so that our users can receive credit and debit card payments immediately directly from our app without any initial cost.\n\nWe have launched in Peru, but will soon expand to Colombia. We are currently a more than 50 people fully remote team with several nationalities, so we expect to serve several Latam countries soon.\n\nWe are happy to collaborate with micro-entrepreneurs service providers in the region that can add value to their users with our products.\n\n[Chris](https://www.linkedin.com/in/chrobilliard/) and [Tex](https://www.linkedin.com/in/thetex/) - Founders\n\n![uploaded image](/media/?type=post&id=65160&key=user_uploads/586979/84882fa1-8718-4014-a661-fc12f22a61d8)\n\n", "url": "https://www.ycombinator.com/launches/Gwy-kashin-the-preferred-financial-app-for-the-underbanked-in-latam", "votes": 31, "created_at": "2022-08-05T18:05:00.154Z" } ] }, { "id": 27250, "name": "Axle", "slug": "axle", "former_names": [ "Axle (Axle Labs", "Inc.)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.png", "website": "https://axle.insure", "all_locations": "New York City, NY, USA", "long_description": "Axle is the AI-native clearinghouse for property and casualty insurance. Our infrastructure and AI agents automate complex insurance workflows for third parties including verification, monitoring, and policy updates. We've helped Fortune 500 businesses like Rocket Mortgage, Avis, and Experian speed up workflows by 95% while recovering over $220M in potential losses. Axle is backed by Gradient, Y Combinator, and the founding team of Plaid.", "one_liner": "AI-native clearinghouse for insurance", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658084084, "tags": [ "Developer Tools", "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/axle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/axle.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axle-labs", "x_url": "https://twitter.com/axlelabs", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/axle-f2b6", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.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": 1050387, "full_name": "Cameron Duncan", "title": "Founder/CEO", "founder_bio": "I’m passionate about solving problems at the intersection of business, technology, and design. Previously, I led a product team at Clutch (acquired by Cox Automotive) that enabled brands like Porsche deliver new ways to access and own vehicles.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cam-duncan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/544230013b6be913ffa8cbbad540c09351fd84bb.jpg" }, { "user_id": 666958, "full_name": "Nihar Parikh", "title": "Founder/CTO", "founder_bio": "I build tools to help developers abstract complex problems and focus on providing great experiences for their customers. Previously, I led product at a seed-stage devtools company and founded Emory’s first startup accelerator.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/niharaparikh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d2997e69c3750e740d3ebe380d3c1487e018da62.jpg" }, { "user_id": 1054546, "full_name": "Armaan Sikand", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/armaan-sikand", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d9c30b66c1cc51034cc0e8275b62f132aeee0b6.jpg" } ], "jobs": [ { "id": 64104, "title": "Staff Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/fsGXBTC-staff-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$215K - $270K", "equity_range": "0.20% - 0.40%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "TypeScript" ] }, { "id": 70354, "title": "Senior Product Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/NMP8typ-senior-product-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$160K - $215K", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "React", "TypeScript" ] }, { "id": 79903, "title": "Product Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/8wAy0QH-product-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $160K", "equity_range": "0.05% - 0.15%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "React", "TypeScript" ] }, { "id": 82360, "title": "Enterprise Sales Director, Automotive", "url": "https://www.ycombinator.com/companies/axle/jobs/HNgtvPp-enterprise-sales-director-automotive", "location": "New York, NY, US / Atlanta, GA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$260K - $320K", "equity_range": "0.05% - 0.15%", "experience": "11+ years", "visa": "Will sponsor", "skills": [] }, { "id": 93374, "title": "Implementation Specialist", "url": "https://www.ycombinator.com/companies/axle/jobs/iAZeuSu-implementation-specialist", "location": "Atlanta, GA, US / New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$80K - $95K", "equity_range": "0.02% - 0.03%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 95554, "title": "Customer Success Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/CFZbGcn-customer-success-engineer", "location": "Atlanta, GA, US / New York, NY, US", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$90K - $120K", "equity_range": "0.05% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97369, "title": "Senior Partnerships Growth Manager", "url": "https://www.ycombinator.com/companies/axle/jobs/9eWDQcz-senior-partnerships-growth-manager", "location": "Atlanta, GA, US / New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$145K - $170K", "equity_range": "0.03% - 0.05%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 97373, "title": "Sr. Forward Deployed Product Manager", "url": "https://www.ycombinator.com/companies/axle/jobs/NkH8YUB-sr-forward-deployed-product-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97457, "title": "Lead Deployment Strategist", "url": "https://www.ycombinator.com/companies/axle/jobs/jE3sxRP-lead-deployment-strategist", "location": "New York, NY, US / Atlanta, GA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$190K - $240K", "equity_range": "0.15% - 0.30%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 97458, "title": "Senior Deployment Strategist", "url": "https://www.ycombinator.com/companies/axle/jobs/JurCHwR-senior-deployment-strategist", "location": "New York, NY, US / Atlanta, GA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $200K", "equity_range": "0.08% - 0.15%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 103832, "title": "Infrastructure & Security Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/1aTKKE2-infrastructure-security-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$180K - $250K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103866, "title": "Marketing Lead", "url": "https://www.ycombinator.com/companies/axle/jobs/xn5uUub-marketing-lead", "location": "New York, NY, US / Atlanta, GA, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$140K - $200K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Axle raises $17.5M for insurance data clearinghouse", "url": "https://www.axios.com/pro/fintech-deals/2026/08/11/axle-insurance-data-clearinghouse-startup", "date": "Aug 11, 2026" }, { "title": "Gradient Ventures backs Axle’s ‘Plaid for insurance’ approach to data verification | TechCrunch", "url": "https://techcrunch.com/2023/04/10/gradient-ventures-axle-plaid-insurance-verification/", "date": "Apr 10, 2023" }, { "title": "50 top YC companies hiring now", "url": "https://bit.ly/50-top-yc-companies-hiring-now", "date": "Dec 15, 2022" }, { "title": "Our 10 favorite startups from YC's S22 Demo Day: Part 2 • TechCrunch", "url": "https://techcrunch.com/2022/09/08/our-10-favorite-startups-from-ycs-s22-demo-day-part-2/", "date": "Sep 08, 2022" } ], "launches": [ { "id": 64702, "title": "Axle: Plaid for Insurance", "tagline": "Axle is an open platform for insurance, enabling companies to instantly collect, verify, and monitor insurance through consumer-consented data. ", "body": "[Get started today!](https://axle.insure)\n\n### **What’s the problem?**\n\nToday, both **consumer services** - like rental car companies and lenders - and **gig services/ employers** - like rideshare and food delivery - rely on legacy systems, paper, and hours on the phone each day to verify insurance for their customers or contractors with no real way to monitor coverage after the fact. This leads to friction in the checkout/onboarding process, heavy manual overhead for operations teams, and gaps in coverage that result in painful subrogation or expensive claims against umbrella policies.\n\n![uploaded image](/media/?type=post&id=64702&key=user_uploads/1050387/634c242f-59c3-452a-aa6c-c29094d0d29f)\n\n### **How do we help?**\n\nAxle automates collection, verification, and monitoring of insurance - enabling you to make better-informed decisions in seconds instead of hours.\n\nAxle is built for both operations and product teams. You can get started verifying customers in minutes - no code required - using our Dashboard, or embed Axle’s consent interface directly into your application via our API for a seamless customer experience.\n\n![uploaded image](/media/?type=post&id=64702&key=user_uploads/1050387/7caae2e5-ef12-40e9-b0dc-2d9fedd000b5)\n\n### \n\n**Backstory**\n\nI (Cam) have spent the last 3 years building new ways to access (rental, subscription, etc.) and own (home delivery, service pickup and delivery, etc.) vehicles. Time and time again I’ve painfully collected unverified images of insurance cards and dec pages while leveraging tools like Microblink and Acuant to capture and verify identity documents.\n\nI reached out to a few more operators in our network and quickly validated that they were facing the same issue, so I partnered with Nihar to build Axle: a painless way for consumers to link their insurance data to companies they trust.\n\n### **Get started today!**\n\nLooking to save time on insurance verification & monitoring and offering a seamless experience for your customers?\n\nBook some [time](https://calendly.com/axle-cam/30min) with us for a demo and to discuss how Axle can change your insurance process.\n\nFor any other questions, feel free to send me an email at [cam@axle.insure](mailto:cam@axle.insure)!", "url": "https://www.ycombinator.com/launches/Gpa-axle-plaid-for-insurance", "votes": 44, "created_at": "2022-07-18T17:12:01.762Z" } ] }, { "id": 27252, "name": "Landeed", "slug": "landeed", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0810eca0d686750cb529fa49d82db4a6ef2d2a5b.png", "website": "https://www.landeed.com/", "all_locations": "Hyderabad, Telangana, India", "long_description": "Landeed is the AI-native digital infrastructure for property intelligence, verification, and transactions in India. We provide read/write rails that transform fragmented property and regulatory systems into continuously verified, machine-interpretable state. Powered by Terra, our proprietary property intelligence engine, Landeed converts messy, multi-source records into structured, queryable knowledge that supports legal-grade due diligence, collateral verification, title search, transfers, and property payments. With coverage across 24 states, enterprises go live nationally from day one. We are trusted by Fortune India 500 companies across BFSI, real estate, and retail.\r\n\r\nLandeed is the blue tick for property.", "one_liner": "Landeed is India’s digital infrastructure for property intelligence,…", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656366086, "tags": [ "Documents", "Fintech", "Legal", "Proptech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/landeed", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/landeed.json", "year_founded": 2022, "city": "Hyderabad", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/landeed/", "x_url": "https://twitter.com/LandeedInc", "fb_url": "https://www.facebook.com/LandeedIND/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0810eca0d686750cb529fa49d82db4a6ef2d2a5b.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": 95984, "full_name": "Sanjay Mandava", "title": "Founder", "founder_bio": "2x YC founder. First time with GoLorry and now Landeed. Before startups, I worked as proprietary trader/investment analyst at Knight Vinke (Activist Hedge Fund) and as a real estate developer. Currently, I am CEO and Founder of Landeed with focus on building India's (later for the developing world) fastest and most comprehensive property title search engine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/sanjay-mandava/24/6aa/206", "x_url": "https://twitter.com/mandava_sanjay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bd9c5dc6c65fb1885725a0ccba7fda256b061715.jpg" }, { "user_id": 117814, "full_name": "ZJ Lin", "title": "Founder", "founder_bio": "Co-founder and CPO of GoLorry (YC W16): 2015 - 2022\nCo-founder and CPO of Landeed (YC W22): 2022 - present", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zjlin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/408b589d73d3fd0cdffa184d5592c64e23da55ee.jpg" }, { "user_id": 117813, "full_name": "J Richards", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonathan-richards-26259bb6/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a283374f298717aae60f288d7876e8532be913ce.jpg" } ], "jobs": [ { "id": 57082, "title": "Head of Corporate Affairs, Public Policy and Government Relations (CPG)", "url": "https://www.ycombinator.com/companies/landeed/jobs/DVY3BMa-head-of-corporate-affairs-public-policy-and-government-relations-cpg", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "$20K - $50K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 57083, "title": "Senior Legal Associate", "url": "https://www.ycombinator.com/companies/landeed/jobs/TuXBTBn-senior-legal-associate", "location": "Gurugram, HR, IN / Gurugram, Haryana, IN / New Delhi, DL, IN / New Delhi, Delhi, IN / DL, IN / Delhi, IN / Mumbai, MH, IN / Mumbai, Maharashtra, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "₹40K - ₹75K INR / monthly", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 57298, "title": "Product Owner", "url": "https://www.ycombinator.com/companies/landeed/jobs/UYsLGSi-product-owner", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1.5M - ₹3.5M INR", "equity_range": "0.10% - 0.20%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Wireframing", "Figma" ] }, { "id": 60420, "title": "Growth and Marketing Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/DGgwOhw-growth-and-marketing-lead", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹600K - ₹1.2M INR", "equity_range": "0.10% - 0.25%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 60434, "title": "EIR: Entrepreneur In Residence", "url": "https://www.ycombinator.com/companies/landeed/jobs/Xt8mnKh-eir-entrepreneur-in-residence", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$20K - $60K", "equity_range": "0.15% - 0.40%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 65257, "title": "Business Development And Enterprise Sales (BDES)", "url": "https://www.ycombinator.com/companies/landeed/jobs/4l4knno-business-development-and-enterprise-sales-bdes", "location": "Hyderabad, TS, IN / Mumbai, MH, IN / Bengaluru, KA, IN / Chennai, TN, IN / DL, IN / Gurugram, HR, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹1M - ₹2.5M INR", "equity_range": "0.10% - 0.20%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 65258, "title": "Operations Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/HYva7F4-operations-lead", "location": "Mumbai, MH, IN / Bengaluru, KA, IN / Hyderabad, TS, IN / Gurugram, HR, IN / Gurugram, Haryana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹480K - ₹1.2M INR", "equity_range": "0.01% - 0.02%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 65259, "title": "Support Executive", "url": "https://www.ycombinator.com/companies/landeed/jobs/SZyQjR3-support-executive", "location": "Hyderabad, TS, IN / Mumbai, MH, IN / Chennai, TN, IN / Bengaluru, KA, IN", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "₹240K - ₹500K INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 65260, "title": "Content and Community Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/v2Wfj2O-content-and-community-lead", "location": "Hyderabad, TS, IN / Bengaluru, KA, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹600K - ₹1.8M INR", "equity_range": "0.01% - 0.02%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79527, "title": "Senior GIS Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/YZ8WIvS-senior-gis-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "₹900K - ₹2.5M INR", "equity_range": "0.01% - 0.03%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79528, "title": "Senior/Staff Frontend Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/XdJRjFi-senior-staff-frontend-engineer", "location": "Hyderabad, Telangana, India", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹2M - ₹4M INR", "equity_range": "0.10% - 1.00%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "React", "React Native", "Next.js" ] }, { "id": 79600, "title": "Senior/Staff Engineer: Backend (India)", "url": "https://www.ycombinator.com/companies/landeed/jobs/v9JBNfn-senior-staff-engineer-backend-india", "location": "Hyderabad, Telangana, India", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹2.5M - ₹5M INR", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "Python" ] }, { "id": 84880, "title": "Legal Ops Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/MEoD32X-legal-ops-lead", "location": "Chennai, TN, IN / Chennai, Tamil Nadu, IN / Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Ahmedabad, GJ, IN / Ahmedabad, Gujarat, IN / Pune, MH, IN / Pune, Maharashtra, IN / Gurugram, HR, IN / Gurugram, Haryana, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "₹400K - ₹1.2M INR", "equity_range": "", "experience": "11+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85313, "title": "Ex-founder - Technical, India", "url": "https://www.ycombinator.com/companies/landeed/jobs/fFYK3Hd-ex-founder-technical-india", "location": "Hyderabad, Telangana, India", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹6M INR", "equity_range": "0.10% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88432, "title": "Accountant", "url": "https://www.ycombinator.com/companies/landeed/jobs/tipcFfI-accountant", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹360K - ₹420K INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 91926, "title": "Associate Solutions Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/l7L0SeB-associate-solutions-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹600K - ₹800K INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95120, "title": "Customer Relationship Manager", "url": "https://www.ycombinator.com/companies/landeed/jobs/rwIYQSC-customer-relationship-manager", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹25K - ₹45K INR / monthly", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95121, "title": "Senior Customer Relationship Manager", "url": "https://www.ycombinator.com/companies/landeed/jobs/WBenvVy-senior-customer-relationship-manager", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹45K - ₹90K INR / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95828, "title": "Product Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/5ER5jHm-product-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1.5M - ₹3.5M INR", "equity_range": "0.10% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "React", "React Native", "Data Analytics", "Evals" ] }, { "id": 95916, "title": "Member of Technical Staff - Post-Training Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/GL2b1aZ-member-of-technical-staff-post-training-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "₹2.5M - ₹4.5M INR", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Torch/PyTorch", "Machine Learning", "Reinforcement learning (RL)", "Natural Language Processing", "Computer Vision", "LLMs", "Transformers", "Fine-tuning" ] }, { "id": 106709, "title": "Property Advisor - II", "url": "https://www.ycombinator.com/companies/landeed/jobs/Ay1U4eN-property-advisor-ii", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹730K - ₹1.01M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 106710, "title": "VIP Client Advisor", "url": "https://www.ycombinator.com/companies/landeed/jobs/NV3HYUX-vip-client-advisor", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹880K - ₹1.22M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 106711, "title": "Priority Case Manager", "url": "https://www.ycombinator.com/companies/landeed/jobs/MVVWBdh-priority-case-manager", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹780K - ₹1.06M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 108452, "title": "People & Operations Associate (HR & Admin)", "url": "https://www.ycombinator.com/companies/landeed/jobs/SkrpiOU-people-operations-associate-hr-admin", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Operations", "salary_range": "₹500K - ₹750K INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Building trust in India’s property system through digitisation", "url": "https://www.moneycontrol.com/news/opinion/building-trust-in-india-s-property-system-through-digitisation-13750337.html", "date": "Dec 31, 2025" }, { "title": "Indian proptech at an inflection point: Panelists at VCCircle summit", "url": "https://www.vccircle.com/indianproptech-at-an-inflection-point-panelists-at-vccircle-summit", "date": "Oct 29, 2025" }, { "title": "Landeed: Mapping ownership through AI", "url": "https://www.newindianexpress.com/cities/hyderabad/2025/Oct/09/landeed-mapping-ownership-through-ai", "date": "Oct 08, 2025" }, { "title": "Landeed: Mapping ownership through AI", "url": "https://www.newindianexpress.com/cities/hyderabad/2025/Oct/09/landeed-mapping-ownership-through-ai", "date": "Oct 08, 2025" }, { "title": "Landeed Introduces Zero-Fee Bill Payments Feature for Property Transactions", "url": "https://www.rprealtyplus.com/allied/landeed-introduces-zero-fee-bill-payments-feature-for-property-transactions-119421.html", "date": "Apr 03, 2025" } ], "launches": [ { "id": 100213, "title": "🏠 Terra: Turning Indian property from a who-you-know market into a what-you-know market.", "tagline": "Indian property, finally legible. ", "body": "Today we're launching Terra: the thing we've wanted to build since day one.. If you caught our original launch: you know we've spent three years building India's property infrastructure. More than a million people use Landeed monthly searching millions of properties and growing at an increasing pace. The result of that work is Terra - India’s first and most intelligent property AI trained on 500M+ title documents. 24 states. 22 languages.\n\nEven more importantly, we built Terra on the foundations of our groundwork not guesswork. The answers are backed by verifiable records from regulatory registries and ground truth minimizing hallucination risks. Furthermore, this is the third major launch from Landeed Labs (our internal AI division) after AITSR our flagship product for enterprises which has now evolved into Terra Black.\n\nCheck it out below:\n\n\n\n**Here's what's broken.**\n\nIndia is two markets stitched together: _who you know_ and _what you know_. Most of India's economy has shifted toward what-you-know over the last twenty years. Real estate has not. It is the most extreme who-you-know market in the country.\n\nWho you know determines what you can buy, what price you pay, what risks you discover, and whether your title holds up in court. If you have the right cousin in the registrar's office, the right lawyer in the right city, the right broker who owes you a favor — you have edge. If you don't, you're flying blind with your life savings.\n\nThis is why India has $10 trillion in property and most of it is **dead capital** — Hernando de Soto's phrase. You own it but you can't prove it. You inherit it but you can't read it. You want to buy it but you can't verify it. Many call this dead capital but at Landeed we call this just another Tuesday. The data was always there. It was just illegible, scattered across 28 state systems, locked in 22 languages, and impossible to reason about.\n\n**Here's what we built.**\n\nTerra is the first product that makes data competitive with relationships in Indian property — and wins.\n\nYou just talk to it. In English, Hindi, Telugu, Tamil — whatever you think in.\n\n\"Find me 2BHK apartments in Gachibowli under 1 crore and with nice gym.\" Or drop the link or url from your favorite listing to explore more about the property in detail like guideline value or average rentals. Terra shows you real listings across all aggregated from listings platforms, helps you create watchlists, calculate price trends and check property risks all in one screen in real time in one conversation.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/c59d4a61-5060-44eb-bdc9-ee30b31e2d74)\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/4a929008-2772-42f7-b0a8-bd7e19e4f86b)\n\n\"Who has owned that property since it was built?\" Ownership tree. Every transaction. Linked to source documents you can open.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/6a4338fb-af05-4c24-bc80-0d5dc9e3b049)\n\n\"Are there any encumbrances or legal issues?\" Light diligence in minutes. Not a lawyer's 2-week report.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/b035d906-223a-4a67-8b4f-3305132df9d4)\n\n\"Compare this to the one in Kondapur I was looking at yesterday.\" Side by side.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/7914e052-0078-469a-9947-e2af051b4f7d)\n\nUnder the hood: a system of specialized AI agents working in parallel. Live integrations with 24 state governments. Proprietary OCR for 22 Indian languages including handwritten records from the 1980s. Terra doesn't guess. It reads the actual government records — the same ones a lawyer would read — and reasons about them in real time.\n\n**One moment that shows what this unlocks.**\n\nA user told Terra about his property next to a biryani shop in Chennai. Terra pulled the documents _and_ found a municipal announcement from that week — the user was now eligible to build additional square footage on his existing plot. He didn't know to ask. Terra found it anyway.\n\nThat's the point. Terra doesn't just answer questions. It tells you things you didn't know to ask.\n\n**Early traction.**\n\nSoft-launched on web a month ago. 50,000 users showed up without a rupee of paid acquisition.\n\n**Try it:** [https://web.landeed.com/terra](https://web.landeed.com/terra?thread=a3c27682-da8c-462a-8855-5d2ebcd80632) or download our app from play store or iOS\n\n**What we want from the community:**\n\n* Know anyone buying, selling, or inheriting property in India? Send them to Terra. Especially NRIs — they have the worst version of this problem.\n* Know a bank, NBFC, or real estate operator in India? We have Terra Black (enterprise API) already running with HDFC Bank, Hero FinCorp, Amazon India, Vastu Housing, and others. Warm intros welcome: [sanjay@landeed.com](mailto:sanjay@landeed.com)\n* Feedback, ideas, critiques — send them straight to us.\n\nIndia's property market has been a who-you-know game since the British left. Terra is how it finally becomes a what-you-know market. We make this inevitable. 🐂", "url": "https://www.ycombinator.com/launches/Q4L-terra-turning-indian-property-from-a-who-you-know-market-into-a-what-you-know-market", "votes": 107, "created_at": "2026-04-25T15:27:09.197Z" }, { "id": 89737, "title": "Landeed Bill Pay: Property bills, tax, and documents — handled in one app", "tagline": "India's first property super-app: pay property tax, electricity, water & more — all linked to your property", "body": "**🏡 We’re Landeed — the fastest way to access property documents _and_ pay property-related bills in India**\n\nHey YC — we’re the team behind **Landeed**, a property super-app used by over 1 million people across India to instantly retrieve legal property documents like Encumbrance Certificates, Survey Maps, and Sale Deeds.\n\nToday we’re launching **Landeed Bill Payments** — a major upgrade that lets users instantly pay for all their property-related bills, directly in the same app.\n\n---\n\n### ❌ The Problem\n\nIndia’s government has digitized property documents — but property _bill payments_ are still a mess.\n\nEvery billing cycle, property owners deal with:\n\n* 3–5 broken government portals (BBMP, BESCOM, BWSSB, etc.)\n* Clunky UIs with mismatched property IDs and consumer numbers\n* OTP loops, failed UPI/card transactions, no real support\n* No central history or receipts\n\nIt’s painful for anyone — and 10x worse for landlords managing multiple properties across cities.\n\n---\n\n### 🧑‍💼 Meet Ramesh, a typical Bangalore landlord\n\n![uploaded image](/media/?type=post&id=89737&key=user_uploads/95984/6f635ff1-7dea-4270-bc01-3526f95f8022)\n\n### ✅ Our Solution\n\nWe built **Landeed Bill Payments** right into the same app our users already trust for property documents.\n\nNow users can:\n\n* 💡Instantly pay **Property Tax, Electricity, Water, Gas, Broadband**\n* 💳 Use **UPI, cards, or wallets**\n* 🏙️ Access **20+ utility boards** across India\n* 📂 Automatically save receipts per property\n* 📈 View full **payment history** across all properties\n\nNo logins, no portal hopping, no stress.\n\n---\n\n### 💡 Why Now\n\nIndia digitized land records — but not the ownership experience.\\\nYou can _see_ your property online. But you can’t act on it.\n\nWe’re building the **operating system for property ownership** — starting with documentation, and now enabling transactions.\n\n---\n\n### 🚀 Traction\n\n* 1M+ users across 400+ districts\n* Cover 24 states and union territories in India\n* Live integrations with 20+ major utilities & DISCOMs\n* Multi-lingual support and over 12 vernacular languages supported\n\n---\n\n### 🎥 Product Demo\n\n\n\n> _See how Ramesh pays 3 bills in under 60 seconds, directly from his property dashboard._\n\n---\n\n### 🙌 What You Can Do\n\n* **Try it now**: — no fees, no logins\n* **Share this** with landlords, real estate operators, or civic tech folks\n* **Talk to us**: [founders@landeed.com](mailto:founders@landeed.com)\n\nThanks for checking us out — we’d love your feedback and intros.", "url": "https://www.ycombinator.com/launches/NLN-landeed-bill-pay-property-bills-tax-and-documents-handled-in-one-app", "votes": 100, "created_at": "2025-04-22T14:56:32.985Z" }, { "id": 72566, "title": "Landeed XF (LXF): Founder's real estate concierge 🚀", "tagline": "Real Estate reimagined for Founders by Founders 🤝", "body": "# **Landeed XF (LXF): Your Ultimate Real Estate Ally!**\n\n**Quick Summary:** Landeed is thrilled to launch LXF! We present an all-encompassing real estate solution tailored for founders, ensuring hassle-free accommodation and workspace solutions, along with legal support for your company setup. No deposits, no brokerage fees, just an annual contract that bundles everything you need into a single monthly invoice.✨\n\n## **💥 What’s The Issue?**\n\nFounders are swamped with responsibilities and need to be laser-focused on their vision. Real estate complications, finding the perfect workspace, and dealing with legal requirements for company setup are all distractions that no founder needs. The market lacks an efficient, all-in-one solution that caters specifically to the founders' real estate and legal needs. Landeed XF is here to change that.\n\n## **🎯 Here’s What We Offer**\n\nLandeed XF is your one-stop solution, specially curated for founders looking to set their foot in India and vice versa. We’re here to enable you to hit the ground running.\n\n🧾 **Single Monthly Payment Mechanism**: Experience the simplicity of our financial structure. No deposits or brokerages; only transparent, all-inclusive monthly invoicing.\n\n🏡 **Move-in Ready Living Spaces**: No more endless apartment hunting or paperwork. Live comfortably in our fully-furnished apartments and enjoy single monthly payments sans any brokerage fees.\n\n👩‍💻 **Workspace That Matches Your Drive**: Choose from a range of coworking spaces and private offices, ensuring your workspace is conducive to your vision. We find the best locations for you and your team!\n\n👩‍⚖️ **Legal Entity Structuring**: Our expert partners will guide you through the complex maze of legal entity structuring between the US and India. We’ve negotiated discounted fees for you.\n\n🛂 **Hassle-free Company Setup**: We manage all the administrative tasks such as entity formation and government registrations, so you can focus on what matters most – your startup.\n\n⏩ **Fast-Track Your Launch**: Don’t let delays hinder your momentum. Our efficient lease negotiations and expedited legal processes mean you can be operational in just 2 weeks!\n\n## **📢 Landeed + YC Founders = Unstoppable Force**\n\nWe're on a mission to pave the way for your startup’s triumphant journey in India. With Landeed XF by your side, you can leave the real estate and legal complexities to us, and focus on what you do best – building and scaling your business.\n\n## **🎉 YC Exclusive Deal! 🎉**\n\nAs a special launch celebration, we’re excited to offer an exclusive deal for our YC community! Find out more about this limited-time offer [**here**](https://deals.ycombinator.com/deals/1847).\n\n## **🤝 Let’s Get Started**\n\nReady to take the leap? We’d love to hear from you. Reach out to [**namansrivastava@landeed.com**](mailto:namansrivastava@landeed.com) and let's explore how Landeed XF can propel your startup to new heights.\n\nJoin us on this exciting journey. Landeed XF is here to revolutionize real estate for founders! 🚀💡🏢", "url": "https://www.ycombinator.com/launches/IsQ-landeed-xf-lxf-founder-s-real-estate-concierge", "votes": 90, "created_at": "2024-01-09T22:13:42.397Z" }, { "id": 65182, "title": "🌆Landeed: Do you own your property in India? Are you sure? Let's check 🕵🏽", "tagline": "Landeed is India's first, fastest and only multi-state property title checker🥇 ", "body": "**TL; DR We make it easy for real estate agents, owners, developers, bankers and legal advisors to instantly check property titles. Our Landeed** [**app**](https://www.landeed.com/) **retrieves government generated Encumbrance Certificate (EC) within seconds. This document summarizes all present and past transactions pertaining to a property going back multiple decades.**\n\nNamaste 🙏🏽 we are Jonathan, ZJ and Sanjay, the three musketeers fighting for your land rights. This is our second YC startup together and have known one another for 7 (lucky) years.\n\n### **💀** **Serious Problem 🚨**\n\nApproximately 67% of all court cases in India deal with land-related disputes. This is due to India’s legal framework of “presumptive ownership.” Under this model, the due diligence on property purchases falls on the buyer with government claiming no responsibility. Furthermore, there is no concept of a single “title document” leading to prolonged due diligence phase ranging from 2-6 months whereas most property transactions in US can be concluded in 2-4 days.\n\n### 🧪**Landeed Solution ⚡**\n\nLandeed is a national property title search engine. Use our [app](https://www.landeed.com/) and check property transaction ledger going back 20 years in 2 seconds. Think of it as “Google of real estate titles.” We built a standardized interface simplifying the multiple search methods across states into an intuitive and fluid user experience. Next up, Landeed for the world not just India!\n\n### 🪄**Let’s talk about the magic 👏🏽**\n\nLandeed weaves together multiple government departments across various states producing a “plaid-like” property summary data. Whereas government platforms focus on taxing users for civic micro-services and document generation, our product is built around specific user profiles that have strong intent to transact. The end-result of this approach is a consumer-centric product with enterprise capabilities. Search property titles 10x faster guaranteed or money back ! (it’s free for YC)\n\n### 🤵🏽**Damn I look good (the app)** 📲\n\n![landeed app encumbrance certificate screenshot 1](https://static.wixstatic.com/media/acf78d_f957a692fca24048b10ea00073c1a49a~mv2.png/v1/crop/x_736,y_180,w_1037,h_2120/fill/w_238,h_488,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/ec_details_portrait.png)\n\n![landeed app encumbrance certificate screenshot 2](https://static.wixstatic.com/media/acf78d_92d55dce18e54a0e8c491f12cceb502a~mv2.png/v1/crop/x_731,y_171,w_1041,h_2128/fill/w_238,h_488,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/webview_portrait.png)\n\n🗺️And yes, we support multiple states (Home court advantage: TS 🏏)\n\n🙏🏽Asks\n\n1. Download Landeed [app](https://www.landeed.com/) if you or anyone that you know have property in India\n2. Request a state to launch if we are not currently covering it! We have a high demand waitlist and are constructing our build plans accordingly\n3. Follow us on [twitter](https://twitter.com/LandeedInc?s=20&t=nWcLlnd9LyDH_vTopux4wA) and give us your feedback. It’s still day zero at Landeed.\n4. If you have any other feedback, we’d love to hear it at [founders@landeed.com](mailto:founders@landeed.com)\n5. And of course, if you feel what we are building is impactful, we would appreciate the upvote!\n6. Full disclosure and request: Do not illegally trespass, set up meat shacks (it will be bulldozed 🐂) or try to sell our lands without our express written consent and permission\n7. Nothing to see here except it’s our lucky number and proof that some of you have read all the way to the end. If so, slack or email Jonathan, ZJ or Sanjay simply with the message “7\" and get a surprise gift from us 🧧🎁", "url": "https://www.ycombinator.com/launches/GxK-landeed-do-you-own-your-property-in-india-are-you-sure-let-s-check", "votes": 913, "created_at": "2022-08-07T08:56:12.741Z" } ] }, { "id": 27260, "name": "Coverage Cat", "slug": "coverage-cat", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "website": "https://www.coveragecat.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "Coverage Cat, the AI-native insurance broker, fixes your coverage limits and finds cheaper premiums. \r\n\r\nWe provide both AI and human support so you can get fast answers on your policy and quickly get a response from a human agent so you can protect you assets or close on a new home. \r\n\r\nThe AI-first approach drives core search, support and shopping experiences to ensure you get the best prices with the correct coverage. ", "one_liner": "Consumer Optimized Insurance", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1659454514, "tags": [ "Fintech", "Machine Learning", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/coverage-cat", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coverage-cat.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/coverage-cat", "x_url": "https://twitter.com/coveragecats", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coverage-cat", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1047431, "full_name": "Max Cho", "title": "Founder", "founder_bio": "I once knocked my teeth out and spent the next few weeks reading insurance policies to try to pay for their replacements. Prediction tasks with software and data are my jam. I love studying why people do what people do, esp. with ads & marketing.\n\nPreviously: Marketing products @ Google, financial prediction software @ Two Sigma, and catching software exceptions @ Microsoft. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-cho-0a376a24/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ba94ef687ad8abdeed36a551eb2f5d11a42d83c9.jpg" }, { "user_id": 123258, "full_name": "Gabriel Botelho", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO @ Coverage Cat. \n\nShop for umbrella and home insurance at www.coveragecat.com! ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gb-cc", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32db7698c55b453d919d3891cce7d25bd1d9d225.jpg" } ], "jobs": [ { "id": 60678, "title": "[PAUSED] Senior Engineer", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/rOkcL9B-paused-senior-engineer", "location": "CA, US / Remote (CA, US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K", "equity_range": "0.05% - 0.50%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88545, "title": "[PAUSED] Fractional Operations Specialist (Contract)", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/TH81d0Y-paused-fractional-operations-specialist-contract", "location": "Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$10 - $15 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94308, "title": "[PAUSED] Growth Engineer (Contract)", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/NJXH199-paused-growth-engineer-contract", "location": "Remote", "type": "Contract", "role": "Engineering", "role_type": "Full stack", "salary_range": "$15 - $25 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Growth design" ] } ], "news": [ { "title": "How Silicon Valley Turned on Silicon Valley Bank - WSJ", "url": "https://www.wsj.com/articles/how-silicon-valley-turned-on-silicon-valley-bank-ee293ac9", "date": "Mar 12, 2023" }, { "title": "The biggest moonshots in YC's S22 batch • TechCrunch", "url": "https://techcrunch.com/2022/09/08/the-biggest-moonshots-in-ycs-s22-batch/", "date": "Sep 08, 2022" }, { "title": "Coverage Cat is backed by YC", "url": "https://www.coverager.com/coverager-cat-is-backed-by-yc/", "date": "Aug 03, 2022" } ], "launches": [ { "id": 116242, "title": "Shop for umbrella insurance via your personal agent (Muse, Instinct, OpenClaw, Hermes, etc.)", "tagline": "Your agent + Coverage Cat's API/MCP = better insurance", "body": "![uploaded image](/media/?type=post&id=116242&key=user_uploads/123258/c95ab970-fa7e-4c6c-b106-0343c5321734)\n\nWe’re proud to release our agent-native solution for consumers to compare and shop for umbrella and home insurance.\n\nPoint your preferred agent (Instinct, Codex, ClaudeCode, OpenClaw, Hermes, Jo, etc.) or any tool-using assistant (ideally with access to your context). Just tell it to:\n\n`Shop for umbrella insurance with Coverage Cat`\n\nOr, point it at [coveragecat.com](http://coveragecat.com) and tell it to do the same. What used to be a week of forms, phone tag, and PDF underwriting shrinks to a minimal prompt, review of your information, and credit consent.\n\nYour agent gathers your context, calls the calculators, compares carriers, and delivers a bindable quote — the complex, cross-carrier judgment call happens where it belongs: inside the loop with you and your AI, not on hold with a sales person.\n\nIt will pre-fill applications from what it already knows about you, ask for your review and confirmation, then hand back a resumable checkout link — all in a single conversation.\n\nWant something more packaged? Check out other agentic interface access options below:\n\nBrowse the catalog at [coveragecat.com/ai/skills](https://www.) or the source at [github.com/Coverage-Cat/skills](https://github.com/Coverage-Cat/skills).\n\nWant to use our MCP? Install it up and get access to both the comparison/purchase tools as well as read-only calculators, agent finders, and estimate tools — discovery lives at [coveragecat.com/api/agent](https://www.coveragecat.com/api/agent), the OpenAPI spec is at [coveragecat.com/api/agent/openapi.yaml](https://www.coveragecat.com/api/agent/openapi.yaml).\n\nPower users can install the CLI for operators:\\\n`npm install -g @coveragecat/cli # npm`\n\nor via Homebrew\n\n```\nbrew tap Coverage-Cat/coveragecat && brew install coveragecat # Homebrew\n```\n\nWant your agent to check out our broader developer portal? .\n\nHappy shopping!", "url": "https://www.ycombinator.com/launches/UEs-shop-for-umbrella-insurance-via-your-personal-agent-muse-instinct-openclaw-hermes-etc", "votes": 4, "created_at": "2026-09-22T15:38:06.824Z" }, { "id": 106902, "title": "Coverage Cat AI Insurance Leaderboard", "tagline": "How do frontier models perform on complex insurance tasks?", "body": "# Coverage Cat AI Insurance Bench\n\nWe’re Coverage Cat. We built an AI insurance benchmark to measure how frontier models perform on real insurance workflows, not trivia or generic reasoning tasks.\n\n### TL;DR\n\n![uploaded image](/media/?type=post&id=106902&key=user_uploads/123258/e54c9091-f0a5-4500-b9f8-125255d46418)\n\nCoverage Cat’s AI Insurance Benchmark compares 7 frontier models on two insurance-specific evals:\n\n* Price estimation: can a model estimate umbrella insurance quote ranges accurately?\n* Brokerage/Agent task: can a model answer practical insurance questions the way a good broker or agent would?\n\nThe public leaderboard ranks models by Elo Rating, Win Rate, Quote Coverage, Quote MAPE, Winkler Loss, and judged brokerage-task quality.\n\nView it here: Coverage Cat AI Insurance Benchmark ()\n\n### The Problem\n\nMost AI benchmarks don’t tell you whether a model is useful inside a real insurance workflow or whether consumers can really trust it for insurance information.\n\nInsurance work is full of messy edge cases: pricing uncertainty, underwriting rules, coverage terminology, household risk factors, and questions where the answer needs to be both correct and concise.\n\nThere has been good prior work on insurance AI benchmarks, including UNDERWRITE, which evaluates multi-turn underwriting agents with domain experts, noisy tools, and simulated users. That work focuses on enterprise underwriting agent behavior and found meaningful gaps between general model performance and enterprise readiness.\n\nOur benchmark is different: it focuses on consumer insurance workflows Coverage Cat actually needs to automate, including umbrella quote estimation and broker/agent-style answers. It is also designed as a public, continuously updated leaderboard rather than a one-time research benchmark.\n\n### What We Built\n\nThe first public version includes:\n\n* 2,800+ price-estimation scenarios\n* 19,000+ quote model results\n* 1,200+ brokerage/agent task questions\n* 8900+ QA model results\n* 7 tested models\n\nThe benchmark uses anonymized eval data, no-retention/no-logging model platforms, and aggregate-only public snapshots. Customer data is not exposed to model providers.\n\n### What’s Next\n\nWe’ll update the leaderboard soon with newer frontier models as they become available through our approved model-provider paths. We also expect to expand the benchmark with more brokerage workflows, richer human review, and additional insurance product lines.\n\nOur goal is simple: make it obvious which AI models are actually good at insurance work and help those models improve.\n\nView the leaderboard: Coverage Cat AI Insurance Benchmark ()\n\nIf you’re shopping for umbrella coverage, you can also start here: Coverage Cat Umbrella Insurance ().", "url": "https://www.ycombinator.com/launches/RoE-coverage-cat-ai-insurance-leaderboard", "votes": 2, "created_at": "2026-07-22T22:45:07.812Z" }, { "id": 92734, "title": "Coverage Cat: Your AI-Native Insurance Agent", "tagline": "Insurance questions cause headaches. Coverage Cat is the relief.", "body": "Coverage Cat, the AI insurance agent, answers any questions you might have about home, auto, umbrella, life, and disability insurance. No more waiting on hold or puzzling over policy jargon. Coverage Cat's assistant can help you figure out if you should buy that policy, file that claim, or shop around for a better price at the click of a button.\n\n---\n\n## Expert Answers for Home, Auto, and Umbrella Insurance\n\nCoverage Cat is trained to provide the right answers about personal lines coverage:\n\n* **Home Insurance**: Learn what your policy covers, from water damage to liability limits.\n* **Umbrella Insurance**: Understand when and how your extra liability protection kicks in.\n* **Auto Insurance**: Get clear explanations on coverage. Never worry about what collision or comprehensive mean again.\n\n---\n\n## Policy Reviews Powered by AI\n\nDon't get bamboozled by the fine print. Just upload your insurance documents, and Coverage Cat examines policy terms to highlight important coverage details.\n\n---\n\n## Estimates for Claims and Coverage\n\nCurious about how a claim or coverage change might impact your premiums? Coverage Cat can create estimates based on specialized tools tools to offer cost and claims insights. Understand your financial exposure before you make your decisions!\n\n---\n\n## Coverage Cat Saves You Time and Money\n\nComplexity benefits insurers, not policyholders. Coverage Cat leverages our rich insurance data sets to create price transparency, and put valuable information into your hands.\n\n---\n\n## Easy Insurance Conversations Start Now\n\nInsurance need not frustrate. Coverage Cat turns your questions into straightforward answers. Clarity makes all the difference when dealing with a stressful part of your personal finances.\n\n---\n\n## Try Coverage Cat Today!\n\nJust visit us at [coveragecat.com](http://coveragecat.com) where you can get answers and shop for insurance.\n\n![uploaded image](/media/?type=post&id=92734&key=user_uploads/123258/9fdcf95e-d78a-44c5-956f-5ea7d8728fed)\n\n", "url": "https://www.ycombinator.com/launches/O7i-coverage-cat-your-ai-native-insurance-agent", "votes": 13, "created_at": "2025-08-05T02:01:00.343Z" }, { "id": 65072, "title": "Coverage Cat - Insurance For People Who Don't Believe In Insurance", "tagline": "The Best Way to Buy Umbrella/Home/Life/Disability/Auto Insurance", "body": "Do you have any of: a net worth over $1million; a house; a car; a high paying job? Then Coverage Cat is the best way to buy insurance. We provide **real quotes**, aggressively comparison shop for you across policy types, and **never sell your data**. The result is thousands of dollars saved and weeks of work and phone calls.\n\n![uploaded image](/media/?type=post&id=65072&key=user_uploads/123258/92e2c8d5-44e3-4cf8-9df6-2ddecf5f19a4)\n\n### Fill out one form and we handle the rest\n\nDon’t waste another minute getting harassed by spam/sales people or figuring out if you bought the right policy. We will shop for you, explain your options, and ensure you get you the best policy for your needs. \n\n* Need umbrella insurance? Shop and learn on our [explainer page!](https://www.coveragecat.com/umbrella-insurance)\n* Need home, car, life, or disability insurance? Visit our [homepage](https://coveragecat.com).\n* Want to learn more about insurance? Check out our [blog](https://www.coveragecat.com/blog).\n* Live in California or Florida and worried about a price jump or non-renewal on your homeowners insurance? See our reviews of carriers that are still underwriting in both states: [Delos \\[CA\\]](https://www.coveragecat.com/review/delos), [Bamboo \\[CA\\]](https://www.coveragecat.com/review/bamboo), [Kin \\[FL\\]](https://www.coveragecat.com/review/kin).\n\n👋 We’re Max & Gabriel, co-founders of Coverage Cat.\n\n### Opportunity: Insurance - An essential product, often poorly purchased\n\nInsurance is an all-time great financial innovation. It represents a way for people to pool and mitigate significant risks when events have shaken out for the worst. \n\nBut the way insurance is been bought and sold has generated a mismatch between the protection from risk that insurance products SHOULD provide. This forces tens of thousands of people to go bankrupt every year from risks that could be properly insured– Often while overpaying for coverage that doesn't protect them from catastrophic risk.\n\n### Problem: Insurance is complicated\n\nThe web of carriers, brokers, contracts, and claims that ensure your risks are properly handled can be an absolute nightmare for people who just want to feel like the things that are important to them are protected.\n\n### The Solution: A one-step process to find the best insurance\n\nWe collect information on how much you feel comfortable losing, in addition to standard insurance questions. Coverage Cat’s AI and team of specialists then searches across available carriers to find the policies and prices for your needs. If you’re in CA, FL, NY, TX, or WA we’d appreciate the opportunity to save you a bundle!\n\nCheers, Max & Gabriel 🐱", "url": "https://www.ycombinator.com/launches/GvY-coverage-cat-insurance-for-people-who-don-t-believe-in-insurance", "votes": 46, "created_at": "2022-08-02T16:06:51.203Z" } ] }, { "id": 27262, "name": "Pivo Technology Inc", "slug": "pivo-technology-inc", "former_names": [ "Pivo Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.png", "website": "http://www.pivo.africa", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains.\r\n\r\nStarting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems.\r\n\r\nThis will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow. ", "one_liner": "Digital Bank for Freight Carriers in Africa.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656940518, "tags": [ "Fintech", "Payments", "B2B", "Supply Chain", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "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/pivo-technology-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pivo-technology-inc.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/75046532", "x_url": "http://www.twitter.com/PivoAfrica", "fb_url": "http://www.facebook.com/Pivo-Financial-Services-102162352150721", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.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": 810653, "full_name": "Ijeoma Akwiwu", "title": "Founder", "founder_bio": "COO/Legal Engineer building Pivo Africa.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ijeoma-akwiwu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a657b2bb00a658157a0c2ae42632489ffc4c248a.jpg" } ], "jobs": [], "news": [ { "title": "Pivo, a Nigerian fintech company run by women, raises $2 million in a seed round - Tech In Africa", "url": "https://www.techinafrica.com/pivo-a-nigerian-fintech-company-run-by-women-raises-2-million-in-a-seed-round/", "date": "Nov 24, 2022" }, { "title": "Pivo powers up Nigerian freight carriers with a bespoke digital bank, gets $2M seed funding • TechCrunch", "url": "https://techcrunch.com/2022/11/24/pivo-powers-up-nigerian-freight-carriers-with-a-bespoke-digital-bank-gets-2m-seed-funding/?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAANDKVeU48Z3OLIXGQdgcwpNXX8KOit_fh-Thu-cllO8ICvCNk9_4IkhoPfPHTtIH_NFXj1VaXzKNdXgMjVcFmnGXY7eedSF9lNAbBuXDTXcRzQ7AHoIZF4NLdx7wPNbtFa9CIf09YJ2XmxiI24HUJDDOI-rvrxhhMmh6oEZRK2vb", "date": "Nov 24, 2022" }, { "title": "Pivo Africa secures $2M seed round - Business Africa Online", "url": "https://businessafricaonline.com/pivo-africa-secures-2m-seed-round/", "date": "Nov 24, 2022" }, { "title": "Pivo Africa raises $2M seed fund to expand product offerings to supply chain SMEs", "url": "https://www.benjamindada.com/pivo-africa-secures-2m-seed-to-expand-into-east-africa/", "date": "Nov 24, 2022" }, { "title": "How Pivo is providing fast and reliable financial services for Africa’s supply chain businesses", "url": "https://techpoint.africa/2022/03/14/pivo-supply-chain-financing", "date": "Mar 14, 2022" } ], "launches": [ { "id": 65366, "title": "Pivo - Bank Accounts and Payments for Freight Carriers in Africa", "tagline": "Meet Pivo, a platform that centralizes the way freight carriers collect, make and track payments.", "body": "**The Problem**\n\nSMEs in supply chains are constantly battling cash flow problems. These SMEs do not get paid in advance and have narrow windows (2 to 7 days) to execute orders. Yet their invoices take as long as 90 days to pay. This is further compounded by an inefficient way to track how and when they get paid. They are left struggling to execute large client orders and miss out on significant business opportunities and earnings.  \n\n**The Pivo Solution**\n\nStarting with freight carriers, Pivo provides easy access to a smart bank account, debit card and digital invoicing tools that track payments so they can get paid faster. \n\n![uploaded image](/media/?type=post&id=65366&key=user_uploads/147283/c94afb6e-46c0-424c-9633-9c94b17b6364)\n\nThis will be further augmented by more fundamental financial products such as access to credit and expense management, to improve cash flow for these SMEs. \n\nOur goal is to build an end-to-end financial operating system for these businesses.  \n\n**Our Ask** \n\nKnow any supply chain companies or tech platforms looking for a smart financial partner for their SME vendors? We’d love to connect with them. Send us an email: [founders@pivo.africa](mailto:founders@pivo.africa).", "url": "https://www.ycombinator.com/launches/H0I-pivo-bank-accounts-and-payments-for-freight-carriers-in-africa", "votes": 91, "created_at": "2022-08-15T13:40:28.304Z" } ] }, { "id": 27267, "name": "Ping", "slug": "ping", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9b87c65de1557a4548c55d16dabf0051c7a1e7d.png", "website": "https://www.letsping.com/", "all_locations": "Buenos Aires, CABA, Argentina; Miami, FL, USA; Remote", "long_description": "Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.\r\n", "one_liner": "The global neo-bank for contractors and freelancers", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657547998, "tags": [ "Crypto / Web3", "Payments", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Argentina", "United States of America", "Latin 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/ping", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/ping.json", "year_founded": 2021, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/hola-ping/", "x_url": "https://twitter.com/holapinglatam", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9b87c65de1557a4548c55d16dabf0051c7a1e7d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1075999, "full_name": "Mary Saracco", "title": "Founder", "founder_bio": "My goal is to revolutionize international payments and make them as easy as sending an email.\nI have previously worked at UBS as an M&A Investment Banker and at the World Bank before switching to applying my knowledge to work on cross-border payments full time.\n\nBefore Ping, my team and I created Latamex, LatAm's largest fiat-to-crypto gateway, providing services to top exchanges like Binance, OKEX, Huobi and blockchains such as Stellar, IOTA, amongst others.", "is_active": true, "linkedin_url": "http://linkedin.com/in/marysaracco", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7af612c138f6856e394391410ba37194e63b0c5.jpg" }, { "user_id": 1076001, "full_name": "Pablo Orlando", "title": "Founder", "founder_bio": "Recognized as one of the top Innovators in Latam Under 35 by MIT. Fintech entrepreneur with more than 16 years of experience leading the development of customized solutions for fintech and e-commerce in LATAM. Former COO of Bluesmart, world's first smart connected luggage. ", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/orlandopablo", "x_url": "https://twitter.com/orlandopablo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/db2fdb31c85caccfd902a7e2330a74454f9f90c0.jpg" }, { "user_id": 327959, "full_name": "Jack Saracco", "title": "Founder", "founder_bio": "I previously led the international expansion and growth of LatamEx, Latin Americas largest Crypto-to-Fiat on-ramp service. Providing on ramp service to the largest exchanges, wallets and ecosystems in the crypto industry including Binance, Okex, Huobi and blockchains such as Stellar, IOTA amongst others.\n\nCo-created the first Latin American stablecoin and enabled +100,000 users adopt cryptocurrencies. Crypto public speaker and advisor. \n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jacksaracco/", "x_url": "https://twitter.com/jacksaracco", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e261a10dfa890c65c609a63d6a9468abb7ca07f3.jpg" } ], "jobs": [], "news": [ { "title": "Ping wants to simplify global payments while helping Latin Americans embrace crypto • TechCrunch", "url": "https://techcrunch.com/2022/11/09/ping-payments-crypto/", "date": "Nov 09, 2022" } ], "launches": [ { "id": 64311, "title": "Ping - Neo bank for remote workers", "tagline": "Meet Ping: The solution for paying and getting paid remotely", "body": "### **Ping - A Neo Bank that allows remote workers to invoice their employers and receive payments in USD & crypto and convert to local currencies**\n\n![uploaded image](/media/?type=post&id=64311&key=user_uploads/1075999/126b0c53-296b-4241-b724-6eab26d59cf5)\n\n**The problem Ping solves**\n\nCurrently, global workers use a complicated mix of solutions to access their contractors' fees (usually involving 3 different platforms or more), all of these options are expensive and time-consuming and it is very hard for them to convert the funds to local currencies. \n\n\\\n**How does Ping solve this?**\n\nPing offers an **ALL-IN-ONE platform that generates invoices, receives USD payments, deposits, international transfers, local currencies and crypto/stablecoins** to handle global cross-border payments instantly, with low fees and a positive contractor-employer experience.\n\n\\\n**How you can help**\n\nTry it for yourself! \\\n\\- **If you are a contractor:** signup at [www.letsping.com](http://www.letsping.com)  create and send beautiful invoices to whomever you want to get paid from.\\\n\\- **If you are a company:** register at [www.letsping.com](http://www.letsping.com) to start paying your contractors and employees. As a company you can also receive payments even investment through direct wire transfer.\\\n\\\nStart using Ping! click [here](https://letsping.com/).\n\n**We’d love to hear from you!**\n\nEmail us at: [founders@holaping.com](mailto:founders@holaping.com) \n\nTwitter: \n\nInstagram: \\\n\\\nLet’s Ping together!", "url": "https://www.ycombinator.com/launches/GjH-ping-neo-bank-for-remote-workers", "votes": 295, "created_at": "2022-07-04T18:30:20.948Z" } ] }, { "id": 27669, "name": "Laminate", "slug": "laminate", "former_names": [ "laminate" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9a8e80c0706c21a5dbb22cbba1cbd67df40314d5.png", "website": "https://www.uselaminate.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1670987296, "tags": [ "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/laminate", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/laminate.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/uselaminate", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9a8e80c0706c21a5dbb22cbba1cbd67df40314d5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 897, "full_name": "Khurram Aslam", "title": "Founder", "founder_bio": "Founder, Laminate", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khurramaslam/", "x_url": "https://twitter.com/_khurramaslam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f9732c60d5b6d0e59d6e0a9abf70d9f59491181.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": 27674, "name": "OneText", "slug": "onetext", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9918e6f95f34bd512b7ab9b29b23ebfc3b8a58dd.png", "website": "https://onetext.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "OneText is disrupting SMS marketing and payments. We win incremental sales for direct to consumer brands by making every purchase as effortless as paying with your hotel room number. OneText shoppers literally reply and buy with one text.\r\n\r\nIn our first year, we’ve onboarded 50 fast-growing e-commerce brands and have added as much as 14% in incremental revenue to their bottom lines. In March, we generated $597,000 dollars in payments. In April, we’ll book $50,000 dollars in revenue. \r\n\r\nFounders Jonathan Fudem/CEO and Daniel Brain/CTO met at PayPal Checkout where we designed and launched some of the world’s best checkout experiences. We left PayPal to build a payments company that actually helps merchants acquire customers and win sales.\r\n\r\nThe CMO of our largest customer, a $90M clothing brand, says we have revolutionized marketing for his company, and are, quote: “the best thing that’s happened to SMS marketing in forever.”\r\n\r\nWe are excited to share what you can do with OneText.", "one_liner": "Frictionless payments via SMS", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1666741733, "tags": [ "Fintech", "Payments", "Consumer", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Shop and buy with one text" }, { "question": "What is your company going to make? Please describe your product and what it does or will do.\n", "answer": "OneText makes commerce frictionless by turning every phone number into a card on file. Our text to buy product for Direct to Consumer brands drives 10X as many sales as conventional SMS marketing.\r\n\r\nWe bring together automation, communication and payments to create an unmatched sales tool. Shoppers literally reply and buy with one text." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/onetext", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/onetext.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/shop-with-onetext/", "x_url": "https://twitter.com/OneText", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9918e6f95f34bd512b7ab9b29b23ebfc3b8a58dd.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/27728/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAPNM4H2ZD%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022709Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJIMEYCIQC39P4yQgLmT71RDgpP7SzleQQnonC709CIthldibwFEQIhAIaTmz7itB2BSOcbLvHSEqR5atrCru8331p2nxswpFPlKuUDCDoQABoMMDA2MjAxODExMDcyIgyIHFNA%2BoAC3h6UfhkqwgMWrnQPAwVxcPSn8YGKQ67Z0i8w7sabSqzPmNg6qiVIbYfg3K4FwKrIr3%2BTMgYX%2F%2BeX%2Bpa1NffuFltcS%2FaD5i3P1PA7HKH7LJyFtww7k%2BA5KO%2BhkePkfgEpsky%2B%2BePphwBgc9LL2ObqwtvM0EqR2dvmGwK0pOjv9X9%2BotFVgCBEydgR1IOnYN56T1k%2BOXenbO9d9Elhw1Z78OO2wXYiR75z4yo1s5wz6zr4twai2ELFmfsMX3W7R4ZZZe%2FltqATVqoeN%2FywW0mOfO0EHxXkvuMbE2ccH5poFJFhBb8IND4h0Y0gH2T23H64cQtXSV4AJYWTQ9iYcaV%2Bwd8ByovUNO3fYdg187s5BLUfU6Jqn%2By5CtTj18WZzbB9V4IJIDVws7aW1cDLr1nbZLZ69tv7aAhMwPgsaLz1uFXCVWijHk29oa4VVNLMHAyfE6%2FTVNP0MjolUOhxV9p7md%2BhVVj5DiVMg%2FtlzSKh2keTbpP3xzzrXmlnSljux%2BPIztNqkDf3jvu4gdCKV3knadzxbWZoxCCNtJ2mZf3hqB7qsmn0%2Fj2keORPeqosWjC%2BM1Yvo7staxmYofRhKRaufjshsfrZz9fARksw5%2F3a1gY6pAGKRpigvHO1ZInNRWL4VQjhyvyyI4jWG5oD9NiiTxRQkTVPRsVYZrMtNGSYxvbfyty52pgjuw%2FBLRGM361snatBfs2Y4YLb7qqHcAHDCD1xDcZbIqioGiGF6I0iKm%2Bj4lDuUpeY4bb92wwFFie%2FgZRgfL%2FkayhSZmr4ZeWf%2FGCpxzwDak8O1KvjgDMiuzmVtIhavK0gyCxgFPfLUd0luRL5fYuYrg%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=36a0bfa01a070cad2599f4708e24fe1629e5a1c2f7ef476442f1206f6c55b4de", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 280952, "full_name": "Jonathan Fudem", "title": "Founder", "founder_bio": "Building frictionless payments by SMS @ OneText\n- 🌁San Francisco native\n- 🧱 Previously worked in product at PayPal Checkout\n- ⚔️ Once broke into windmill with a sword\n- 🚀 Future space tourist", "is_active": true, "linkedin_url": "http://linkedin.com/in/jonathanfudem/", "x_url": "http://twitter.com/jfudem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/59089bd77a3651330ecd9000b08a61d62ec59f23.jpg" }, { "user_id": 252253, "full_name": "Daniel Brain", "title": "Founder", "founder_bio": "I'm an engineer, I write code, sometimes that code works!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bluepnume/", "x_url": "https://twitter.com/bluepnume", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/47010bba27e299325d879214a3201667cf79dac2.jpg" } ], "jobs": [], "news": [ { "title": "OneText raises $4.5M from Y Combinator, Khosla to reinvent shopping by text | TechCrunch", "url": "https://techcrunch.com/2025/07/08/onetext-raises-4-5m-from-y-combinator-khosla-to-reinvent-shopping-by-text/", "date": "Jul 08, 2025" } ], "launches": [] }, { "id": 27694, "name": "Paperplane", "slug": "paperplane", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "website": "https://www.paperplane.ai/", "all_locations": "New York City, NY, USA", "long_description": "Paperplane helps builders', plumbing, and timber merchants mitigate their credit risk by predicting which customers will default 4+ weeks before anyone else. Instead of relying solely on credit reports and lagging public data, Paperplane uses the company's own transaction data and customer knowledge directly from sales reps to make more accurate predictions in real-time. ", "one_liner": "Credit risk management platform for builders' merchants", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1677010587, "tags": [ "Fintech", "SaaS", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "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/paperplane", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/paperplane.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/paperplaneai", "x_url": "https://twitter.com/paperplaneai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/paperplane-f079", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ae8699fd0c21faed211d7580b3aa10c0483fc5a7.png" ], "primary_partner": null, "founders": [ { "user_id": 1695624, "full_name": "Daniel Kwak", "title": "Founder", "founder_bio": "Computational physics + ML PhD dropout. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dnlkwak/", "x_url": "https://x.com/dnlkwk", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ffac86868b4058660ea591519727d5bdfdb82bc1.jpg" }, { "user_id": 177665, "full_name": "Jack Hopkins", "title": "Founder", "founder_bio": "I left Cambridge with a post-graduate degree in Advanced Computer Science and peer-reviewed research in generative language models receiving almost 100 citations in the field. \n\nI started a company applying LMs to API security, where I met Daniel Kwak, who led my Seed Round. I left this company to join Daniel and Ben in building NLP for Sales.\n\nIn my spare time I enjoy rowing long distances. Once I rowed unsupported from Africa to America in 40 days.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jack-ww-hopkins/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ba5419608dbb594843bc35dbd286c8a39887ef12.jpg" }, { "user_id": 1159397, "full_name": "Ben Magolan", "title": "Founder", "founder_bio": "Previous ML Ops tech lead at Xometry and software engineer at the Naval Nuclear Laboratory. Attained his PhD in Nuclear Engineering at MIT specializing in reactor coolant modeling and simulation.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ben-magolan-69537611a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1ac5cbcd5a91a6d1c0a35c145d924e349a8ffc1.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 70012, "title": "Paperplane - Automatically update Salesforce after sales calls using NLP.", "tagline": "We analyze sales calls to update all of the fields, objects, and notes you need in Salesforce.", "body": "**TLDR**: ✈️ [**Paperplane**](https://www.paperplane.ai/) **automatically updates Salesforce after sales calls. Sales teams at fast-growing B2B companies do 14%+ more calls per week because they no longer have to spend hours updating their CRM.**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=70012&key=user_uploads/312272/108c66cb-2f3c-4a62-865b-c88b96f03b74)\n\n### **The Problem:**\n\nThere are over **3 million** B2B salespeople in the US, and each of them spends 3-6 hours each week manually updating their CRM with data about their customers and live deals. \n\nThis creates a problem at every layer of large and fast-moving sales teams.\n\nReps at companies like Nextdoor, Twilio, Checkr, and Front spend **10-15% of their time** on data entry versus actually selling; Sales leaders spend hours chasing reps for updates; and sales-ops / rev-ops teams deal with their **CRM missing \\~50% of opportunity data**. This has always made it difficult for sales teams to know what is really happening and which deals are at risk.\n\nIn an environment where many B2B companies have to do more with less, something has to give.\n\n### **Our Solution:**\n\n**Paperplane solves this problem by automatically updating Salesforce after every sales call.** \n\nWe plug into a sales team’s conversational intelligence platform (e.g. Gong, Chorus, Wingman) and Salesforce.\n\nAfter the call, Paperplane transcribes and extracts the required Salesforce fields (eg. next steps, follow-ups, pain points, MEDDIC) and notes. No keywords, tracking words, or scripts to adhere to. Paperplane’s NLP model is built to retrieve the correct data regardless of phrasing and is grounded to mitigate hallucinations that are common with language models today.\n\n![Paperplane application dashboard](https://assets.website-files.com/61dda3a6f044ba05c5199801/63c85e1f69303cf09805823d_PIc%203.svg)\n\n![uploaded image](/media/?type=post&id=70012&key=user_uploads/312272/b1a55bb7-eba1-42d4-b245-fcbc8dd9e1c8)\n\nOnce done, sales leaders get the updates and notes they need in minutes and reps no longer spend hours moving data from their notes into Salesforce.\n\nWe’re currently working with a handful of fast-growing B2B companies to increase their pipeline visibility, improve sales productivity, and help them understand why they’re winning/losing.\n\n## **Our Ask 🙏**\n\n1. If you’re interested in a pilot, please email us at [founders@paperplane.ai](mailto:founders@paperplane.ai).\n2. Share this post with any sales or revops leaders or sales teams that fight Salesforce everyday. We’ll send you a WHOOP or Paperplane swag!", "url": "https://www.ycombinator.com/launches/IDE-paperplane-automatically-update-salesforce-after-sales-calls-using-nlp", "votes": 34, "created_at": "2023-03-07T20:08:00.230Z" } ] }, { "id": 27740, "name": "Mercoa", "slug": "mercoa", "former_names": [ "Dinora" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b67b90e4f6e84745cd503648bae4a2ed818421e4.png", "website": "http://mercoa.com", "all_locations": "San Francisco, CA, USA", "long_description": "Mercoa helps AP and Spend management platforms drive more virtual card volume from their BillPay customers. Our agent identifies card-eligible invoices and securely pays them through supplier portals or payment links. ", "one_liner": "AI Agent for Billpay platforms to pay invoices with virtual cards", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1676998433, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "We spent all of 2023 building our core product with a select group of core customers. In 2024, we invested in our go-to-market motion and are now growing at 20% month-over-month. " } ], "url": "https://www.ycombinator.com/companies/mercoa", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/mercoa.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/mercoa/", "x_url": "https://twitter.com/MercoaFinance", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/mercoa", "github_url": "https://github.com/mercoa-finance", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b67b90e4f6e84745cd503648bae4a2ed818421e4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 6155, "full_name": "Sai Arora", "title": "Founder", "founder_bio": "Founder at Mercoa\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saiarora", "x_url": "https://twitter.com/Sarora27", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cdaae56239bc9674742a763c6b03ae527c5b6444.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92877, "title": "Mercoa CardPay: AI Agents for B2B Virtual Cards", "tagline": "Mercoa converts check & ACH payments to virtual card payments.", "body": "# TL;DR\n\nMercoa converts check & ACH payments into virtual card payments. Our CardPay agent knows which vendors accept cards, what fees they charge, and pays them through portals, links, phone, or email.\n\nhttps://youtu.be/Qg5im2qhwlQ\n\n# The Problem\n\nIf you process millions of dollars in B2B payouts to vendors, you know virtual cards make money.  Our data across 11 BillPay platforms shows that **15-30% of all ACH transactions processed could be paid by card**. \\\n\\\nWhen a vendor accepts your virtual card, you make a percent back through interchange. Unfortunately, a majority of AP platforms, procurement software, supply chain systems, and enterprises with card issuing programs pay vendors through ACH & check. This volume is missed interchange revenue.\\\n\\\nToday, platforms try capture this revenue by:\n\n**1) Asking users to deliver the card themselves**\n\nCustomers use your BillPay for control over approvals and payment timing. Forcing them to generate virtual cards and key them into vendor portals undermines that control.\n\nFor example, Brex BillPay asks users to assign a member of their team to pay a vendor bill using a virtual card.\n\n![uploaded image](/media/?type=post&id=92877&key=user_uploads/6155/14c18a23-33ea-4d8a-9ce6-8c031e890909)\n\nWhen you ask your customers to deliver the card themselves, you’re also asking them to figure out if a vendor will accept cards. This is a side quest your users do not want to complete. Your customers end up choosing the path of least resistance (ACH & Check) instead of paying by card.\n\n**2) Hiring a vendor enablement team.**\n\nThe other solution is to hire a vendor enablement team. These teams identify vendors who accept cards, check their fees, and process payments by:\n\n* Logging into portals & manually entering card details\n* Calling vendors & reading card details over the phone\n* Emailing card details directly to the vendor\n\nThis approach is slow, expensive, and impossible to scale without adding more people. \n\nSome platforms hire these teams internally. We spoke with one AP platform that staffs 40 vendor ops employees solely to call vendors or type card numbers into portals by hand. \\\n\\\nOthers outsource the work to issuer services like FIS, or Corpay. These providers deliver a poor experience, send cards by email without context, and pressure vendors to join a network.\n\n# The Mercoa CardPay Agent\n\nMercoa automates the entire vendor payment workflow; from identifying which vendor will take a card to delivering that card through the right channel.\\\n\\\nWe do this by: \n\n1. **Plugging directly into your AP or Bill Pay product**. When your customer schedules an invoice, we analyze it in real time and flags if it is cardable and whether fees apply.\n2. **Automating card delivery.** On the scheduled date, our agent takes a card (**issued by you**)  logs into the vendor portal, uses the invoice link, or follows the vendor’s required process to submit a virtual card payment. No human involvement is required.\n3. **Providing full confirmation:** We return a payment confirmation along with a receipt back to your system so the bill is marked as paid, keeping your workflow intact.\n\n![uploaded image](/media/?type=post&id=92877&key=user_uploads/6155/2c2bc28d-86d1-4d3a-86d6-0d5f8c24d7f5)\n\nDrop in our agent with **2 API calls** and start capturing the margin you are missing today. \n\nOur Agent requires zero changes to your customer experience and works with your card issuing program. \n\nA company using Mercoa can make up to **$26k for every $1 Million processed** through cards. \n\n# How did we get here?\n\nWe were building an embedded Bill Pay platform for SaaS companies to offer AP/BillPay to their customers. We launched Bill Pay for 11 platforms in under a year. \n\nWhile processing their invoices, we kept seeing the same thing:\n\n**15–30% of payments could be paid by card with no fee, but weren’t.**\n\nThe roadblocks were always the same:\n\n1. No one knew which vendors would take a card\n2. What the fee would be,\n3. How to deliver it without breaking the workflow.\n\nThen bigger AP platforms started calling us. They didn’t want our whole Bill Pay product. They just wanted the part that solved vendor acceptance and delivery.\n\nThat’s when we realized the bigger play wasn’t building another AP platform. It was giving every platform and enterprise the ability to turn vendor payments into profits. We’re starting with virtual card payments and see a large opportunity to handle the full vendor enablement journey.\n\n## Our Ask:\n\nAre you a platform or enterprise that wants to make more vendor payments through cards? Do you have a vendor ops team that’s drowning in manual work?\n\nWe’d love to show you how you can capture more card margin without more ops. \\\n\\\nEmail [sai@mercoa.com](mailto:sai@mercoa.com) or book a [demo](https://calendly.com/sai-mercoa/30-minute-chat) today!", "url": "https://www.ycombinator.com/launches/OA1-mercoa-cardpay-ai-agents-for-b2b-virtual-cards", "votes": 8, "created_at": "2025-08-11T15:12:35.662Z" }, { "id": 69478, "title": "Mercoa: The accounts payable & BillPay API for B2B fintechs", "tagline": "Offer B2B BillPay & AP to your customers and monetize payments out.", "body": "Hi everyone! We’re Sai and Sandeep and we’re building Mercoa.\n\n### TL;DR\n\n[Mercoa](https://mercoa.com) lets any B2B fintech offer BillPay and Accounts Payable services to their customers. Use our drop-in iframe or API to offer your users one place to manage and pay all of their invoices.\n\n### The Problem:\n\nB2B fintechs want to be the one-stop-shop for their customers to manage their business finances. Customers want to manage their open bills & invoices on the same platform where they are receiving payments.\n\nHelping customers get paid is usually one of the first things a B2B fintech builds. Customers are willing to pay a payment processing fee, so monetizing incoming payments is seen as an easy win.\n\nOn the other hand, helping customers make invoice and bill payments is not as simple. Aside from building the complex software needed to manage and process these payments, most fintechs do not see a clear way to monetize payments out.\n\n### Monetizing Payments Out:\n\nThe best way to make money from B2B BillPay is to offer premium payment options that help customers maintain their cash flow while ensuring their vendors are paid on time. These options include:\n\n![uploaded image](/media/?type=post&id=69478&key=user_uploads/6155/329aba45-12ca-4c42-90d4-7227c80aa20e)\n\nBefore a business can offer these options to their customers, they first need to build a software experience that lets their customers pay their bills & invoices with confidence. This experience consists of eight different components that must be tightly integrated together:\n\n![uploaded image](/media/?type=post&id=69478&key=user_uploads/6155/b5468918-1141-42c3-9ef2-8f4feeb4d11a)\n\nMost companies piece together a solution with some but not all of these components in an effort to launch as quickly as possible. They find themselves in an endless cycle of optimizing an experience with no meaningful end in sight to start monetizing. Some companies we spoke with spent three years optimizing their BillPay experience. Others ended up abandoning their BillPay efforts.\n\n### Our Solution: A white-labeled, embedded BillPay experience with pre-built payment monetization\n\nWith Mercoa, offering BillPay and Accounts Payable services to your users is as simple as dropping our iframe into your product.\n\n![uploaded image](/media/?type=post&id=69478&key=user_uploads/6155/07acf804-a804-4e6b-821d-66349d464ab3)\n\nUsing our drop-in iframe or API, you can offer your users one place to:\n\n* Manage open invoices & bills\n* Schedule payments\n* Invite vendors to choose how they want to receive their payment\n\nWhen you offer AP using Mercoa, your users can:\n\n* Pay any invoice by credit card\n* Pay any invoice by ACH\n* Pay any invoice with BNPL\n\nAnd your user’s vendor can:\n\n* Receive their payment via check\n* Receive their payment via ACH\n* Receive their payment via Virtual Card\n\nThe best part is whenever a user or a vendor chooses a premium payment option, Mercoa shares revenue generated with you.\n\nOur payments-focused BillPay experience decouples a bill payment transaction; allowing payers to pay how they want and letting vendors choose how they want to receive their payment. Our goal is to be a payments orchestration engine that can power any BillPay or Accounts Payable process.\n\n### BillPay is so boring! Why are we working on this?\n\nIn a previous life, Sai was a payments lead at [Bill.com](http://Bill.com). There, he integrated [Bill.com](http://Bill.com) with a neobank and led the Instant Transfer line of business. Both of these experiences exposed him to the challenges B2B neobanks face in offering BillPay to their customers. Sai realized that [Bill.com](http://Bill.com)’s systems were completely unoptimized for an embedded use case which is becoming more common with the rise of B2B vertical SaaS and fintech platforms.\n\nWe believe we’re still in the very early innings of digital B2B BillPay and see a massive opportunity to digitize the $25 trillion in annual business payments in the US and eventually the globe!\n\n### Our Ask:\n\n* Want to offer Accounts Payable services to your customers? Book a [demo](https://calendly.com/sai-mercoa/insider-s-guide-chat-clone?back=1&month=2023-02) or email Sai at [sai@mercoa.com](mailto:sai@mercoa.com)\n* Know a company who is looking to offer Accounts Payable services to their customers? Share this post with them!\n* Want to learn more about what it takes to stand up an Accounts Payable experience? Check out our [Insider’s Guide to Accounts Payable](https://docs.google.com/document/d/1kZukm7smcP932BgdyUMHAh8q7Txg73KCOlKs1On_UYE/edit#)", "url": "https://www.ycombinator.com/launches/I4c-mercoa-the-accounts-payable-billpay-api-for-b2b-fintechs", "votes": 108, "created_at": "2023-02-21T16:14:17.815Z" } ] }, { "id": 27806, "name": "Ruby Card", "slug": "ruby-card", "former_names": [ "Ruby Card, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cbe3ea3f22fe3582cf726551f2d874c197a6aa0.png", "website": "https://www.spendruby.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Ruby is a neobank that offers e-commerce businesses a flexible spend management solution and direct integrations with commerce platforms. \r\n\r\nBy combining banking and commerce data, Ruby provides businesses with a real-time, unified view of their financial health and money movement, empowering them to make better financial decisions and scale their operations.", "one_liner": "Neobank for e-commerce businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1678731837, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/ruby-card", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/ruby-card.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ruby-card", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cbe3ea3f22fe3582cf726551f2d874c197a6aa0.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": 1036168, "full_name": "Shariar Kabir", "title": "Founder", "founder_bio": "CEO of Ruby Card. Former engineer @ Salesforce, Heroku and NFL.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shariar-kabir/", "x_url": "https://twitter.com/ShariarK8", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86d67804009780f9e6ade5367a3a8fcf353244ba.jpg" }, { "user_id": 1152815, "full_name": "Miguel Acero", "title": "Founder", "founder_bio": "CTO of Ruby Card. Former engineer @ Google & HBO Max", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/miguel-acero-238b88148/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/585293a612d29f4ddb19d25ae3c65e81e13ae178.jpg" }, { "user_id": 1161059, "full_name": "Jordan Yaqoob", "title": "Founder", "founder_bio": "CFO of Ruby Card. Former engineer @ Capital One", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jordan-yaqoob-49b7b1152/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8576c305c61149382ece2e88685abf6b0e8596b2.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 70434, "title": "💎 Ruby Card: The bank for e-commerce businesses", "tagline": "A neobank with expense management and integrations built for e-commerce businesses ", "body": "👋 Hi everyone! We are Shariar, Jordan, and Miguel and we are excited to introduce you to Ruby!\n\nRuby is a neobank for e-commerce businesses. We offer a robust and flexible expense management solution with the ability to manage spend in the way that works best for each business. We integrate into the platforms that make them money, such as Shopify, Stripe, and Amazon, and aggregate their financial and commerce data to give them a unified view of the financial health of their business, empowering business owners to make smarter decisions. Ruby is live and we have already **processed millions in transactions** 💵 since joining YC.\n\n![uploaded image](/media/?type=post&id=70434&key=user_uploads/1036168/224c627a-ec16-4d7a-b380-09d592d27f43)\n\n### 🚨 **Problem**\n\nTraditional banking services often fail e-commerce businesses because:\n\n* Bespoke expense management solutions **aren’t flexible enough** to fit the unique expense patterns of each business\n* Slow money movement makes businesses **wait 3-5 days** to use their money which creates a bottleneck for the business’ order fulfillment and cash flow\n* Each commerce platform has become its own pseudo-bank. Cash positions and **money movements are scattered** between different platforms\n* **Tons of manual work** is required to aggregate this data which is prone to errors and makes it difficult to determine simple metrics such as cash flow\n\n### 💡 **Solution**\n\nRuby provides a better banking experience that is catered to the issues faced by e-commerce businesses. We offer:\n\n💳 A flexible spend management system that allows you to categorize your spend as granular as you need to fit your business structure\n\n⚡️ Instant deposits (even on the weekends!) to ensure your cash flow isn’t restricted. Businesses no longer need to wait days for deposits to fulfill orders\n\n⚙️ Integrations into commerce platforms, like Shopify, Stripe, and Amazon, to unify all their data into one place and give them a complete picture of their finances and business operations\n\n📊 Real time analytics on commerce and financial data that makes it seamless for users to answer questions like:\n\n* What are my true expenses for each platform I sell on?\n* What is my cash position and cash flow?\n* Am I profitable?\n\n### 👨🏻‍💻 **The Team**\n\nShariar, Jordan, and Miguel have built e-commerce stores together and it became clear how restrictive traditional banking was for our businesses and how big of a pain it was to get an accurate full picture of our finances. It became impossible to keep track of spend and revenue without wasting hours making manual calculations from all the tools we were using.\n\nWith engineering experience from top companies like Google, Capital One, and Salesforce, the team decided to come together to tackle all these issues and create a banking solution that makes tracking the financial health of your e-commerce business a breeze.\n\n### 🙌🏼 **Asks**\n\n* If you are or know anyone who is an e-commerce business owner who wants a better banking experience and control of their finances, reach out to [founders@spendruby.com](mailto:founders@spendruby.com) or sign up for our waitlist so we can reach out to you directly!\n* Reach out if you are building for the e-commerce space. Always looking for cool products to partner with to add value for our users!", "url": "https://www.ycombinator.com/launches/IK2-ruby-card-the-bank-for-e-commerce-businesses", "votes": 73, "created_at": "2023-03-21T00:58:09.319Z" } ] }, { "id": 27812, "name": "Dataglade", "slug": "dataglade", "former_names": [ "Feather" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/744f46d0d325c233ded71498a19cdf197a21cade.png", "website": "https://dataglade.com", "all_locations": "New York City, NY, USA", "long_description": "Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.", "one_liner": "The smart way to research stocks.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677170450, "tags": [ "Fintech", "Generative AI", "SaaS", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/dataglade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/dataglade.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/dataglade", "x_url": "https://twitter.com/dataglade", "fb_url": "https://facebook.com/dataglade", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/744f46d0d325c233ded71498a19cdf197a21cade.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 311219, "full_name": "Ash Rai", "title": "Founder", "founder_bio": "Ash is the Co-Founder and CEO of Dataglade. Before Dataglade, Ash founded a hedge fund from his freshman dorm room at Vanderbilt and grew it to $1 million AUM before turning 20. He was the country’s youngest-ever registered investment advisor. While running the fund, Ash was cut off from his university’s Bloomberg Terminal for overuse, so he built his own solution. Ash graduated early from Vanderbilt University with degrees in Economics, History, and Classics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ashraiofficial/", "x_url": "https://twitter.com/ashraioff", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea5692e1df6ea6fa4083c3989ee0fc74b468a1d2.jpg" }, { "user_id": 1168760, "full_name": "Patrick Higgins", "title": "Founder", "founder_bio": "Patrick grew up tinkering with whatever computers he could get his hands on, building apps with his friends, and learning lessons from trying to trade the stock market. Now, he's building Dataglade.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/50793bc0a0a45e3d7e219740d9f26f762c3c6710.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27817, "name": "loopfour", "slug": "loopfour", "former_names": [ "Loopfour", "JustPaid.io (Loopfour Inc)", "Loopfour Inc", "JustPaid (Loopfour Inc)", "JustPaid", "JustPaid.io", "JustPaid.ai", "JustPaid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/16284384d06d6162a400238a8b4e998e471fe35b.png", "website": "https://www.loopfour.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "loopfour builds reliable, automated workflows across the tools your business already uses, including NetSuite, QuickBooks, Stripe, and Salesforce.\r\n\r\nNo fragile integrations. No AI hallucinations. Just financial operations that work, every time.\r\n\r\nWe also make JustPaid, our billing automation product.", "one_liner": "Workflow automation, without AI hallucinations.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1676918637, "tags": [ "AI-Enhanced Learning", "Workflow Automation", "Automation", "Operations", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/loopfour", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/loopfour.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/loopfour/", "x_url": "https://twitter.com/getloopfour", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/loopfour", "github_url": "https://github.com/loopfour", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/16284384d06d6162a400238a8b4e998e471fe35b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 33968, "full_name": "Daniel Kivatinos", "title": "Founder/CEO", "founder_bio": "loopfour CEO & cofounder.\n\nI’ve worked across multiple startups and raised millions of dollars of venture capital funding over the last several years for my startups.\n\nCofounded DrChrono, acquired in 2021, making DrChrono a top 1% YC exit.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kivatinos/", "x_url": "http://x.com/danielkivatinos", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c5470edad26a70417bbb76253849ec572e80b3e5.jpg" }, { "user_id": 75267, "full_name": "Anelya Grant", "title": "Founder", "founder_bio": "Immigrant founder solving B2B billing", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anelya/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ecb189e5e9b74bb022cae24a7f7314772d105318.jpg" }, { "user_id": 352359, "full_name": "Vinay Datta Pinnaka", "title": "Founder", "founder_bio": "Vinay is a co-founder and founding engineer at Loopfour with over 10 years of experience in building scalable web applications. He scaled the billing system for Drchrono to handle $4B+ worth transactions. Vinay holds a master's degree in Computer Science with a specialization in Human-Computer Interaction. He is responsible for overseeing Loopfour's technology strategy and product development", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vinaydatta2020", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/108dc200c3307f336d46050c343f27319e6ee4eb.jpg" } ], "jobs": [ { "id": 100479, "title": "Social Media Intern", "url": "https://www.ycombinator.com/companies/loopfour/jobs/j8cWw7Z-social-media-intern", "location": "Remote (US)", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "$25 / hourly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Marketing design" ] } ], "news": [ { "title": "Top 5 AI Workflow Automation Tools for Business Operations in 2026 | The AI Journal", "url": "https://aijourn.com/top-5-ai-workflow-automation-tools-for-business-operations-in-2026/", "date": "Aug 21, 2026" }, { "title": "The startup JustPaid drew inspiration from the sitcom Silicon Valley gag into an AI engineer", "url": "https://www.rdworldonline.com/the-startup-justpaid-drew-inspiration-from-the-sitcom-silicon-valley-gag-into-an-ai-engineer/", "date": "Apr 28, 2026" }, { "title": "Meet the Startup That Used AI and OpenClaw to Automate Its Own Developers", "url": "https://www.wsj.com/tech/ai/meet-the-startup-that-used-ai-and-openclaw-to-automate-its-own-developers-9e733351", "date": "Mar 31, 2026" }, { "title": "JustPaid.ai - Automate your AR/AP, Amplify your Cash Flow", "url": "https://www.venturescout.io/p/justpaid", "date": "Mar 12, 2026" }, { "title": "2026 Tech Predictions: The 17 Shifts that will Actually Matter – Silicon Valleys Journal", "url": "https://siliconvalleysjournal.com/2026/02/03/2026-tech-predictions-the-17-shifts-that-will-actually-matter/", "date": "Feb 03, 2026" } ], "launches": [ { "id": 84140, "title": "JustPaid.ai - Automate accounts receivable with the most powerful platform", "tagline": "Meet JustPaid.ai, the billing platform for complex B2B sales.", "body": "[JustPaid.ai](http://JustPaid.ai) is reimagining B2B accounts receivable workflows, stepping away from rigid legacy CPQs, and entering a new era of finance efficiency, connecting CRO and CFO in one place.\n\nWithin seconds, the platform converts fully executed complex sales contracts into dynamic revenue records (customer names, billing parameters, customer notes) - where the journey of each invoice is timely generated, payments are reconciled automatically, and human-like collections workflows guide the cash gently into your bank account.\n\nHere’s a preview: \n\nJustPaid.ai excels in managing complexity and effortlessly handling consumption, tiered plans, renewals, price discounts, and custom SLAs.\n\nIntegrations to support your workflows with:\n\n* API or CSV usage data upload \n* eSignature (Dropbox, PandaDoc, DocuSign, Box)\n* CRM (SalesForce, HubSpot, [Close.io](http://Close.io), PipeDrive, Attio)\n* ERP (Intuit, NetSuite, Xero, Sage)\n* Sales Tax (Avalara, TaxJar)\n* Payments Checkout (Bank payments and Credit Card)\n\n**JustPaid.ai is positioned to help any growing enterprise.**\n\n**Ready to step into the future and consolidate the tools you are using for billing? Email** [**sales@justpaid.ai**](mailto:sales@justpaid.ai)\n\n_Story on the founders:_\n\nJustPaid.ai is the brainchild of Anelya Grant, Daniel Kivatinos, and Vinay Pinnaka.\n\nAnelya is a two-time female founder with a profound understanding of accounting and finance. She led a top accounting practice for tech startups in Silicon Valley for 15 years.\n\nDaniel is a two-time founder and the co-founder of DrChrono, the first YC healthcare company and one of the YC’s top healthcare exits.\n\nVinay is an exceptional software talent with expertise in ML and AI and years of experience building complex billing architecture.\n\nAccounts Receivable is a massive multibillion-dollar market, with around 12%—15% projected growth over the next few years. With companies focusing on improving cash flow management, JustPaid.ai helps them step into the future and reduce the time spent on billing per month, payment reconciliation, and collections.\n\n![uploaded image](/media/?type=post&id=84140&key=user_uploads/75267/38fbbf8b-8120-4d9b-8817-bba675f4f414)\n\n", "url": "https://www.ycombinator.com/launches/Lt6-justpaid-ai-automate-accounts-receivable-with-the-most-powerful-platform", "votes": 51, "created_at": "2024-09-19T16:02:05.483Z" }, { "id": 69443, "title": "JustPaid.io (Loopfour) - Spend confidently with smart financial tools", "tagline": "Automatically check bills and bank charges against contractual pricing from vendors to ensure there are no billing errors.", "body": "### TL;DR\n\n[JustPaid.io](http://JustPaid.io) is the AI-powered controller you wish you had earlier, so you will never have to worry about overpaying bills again.\n\n### Problem\n\nCompanies' current financial processes are disconnected from what you _agreed_ to pay vs. what you were _actually_ charged, even when your vendor makes a billing error. This is what we’re here to resolve.\n\nOn average, United States businesses lose over $300,000 per year alone from invoice fraud totaling $12B. Don’t be a statistic. \n\nWith expanding teams, a lot of vendor workflows are stuck in Slack and inboxes.  We are automating workflows to successfully manage vendors, including contracts, projected spend, W9/W8BEn collection, payment approval and remittance. \n\n### Solution\n\nSaving thousands of dollars in real-time overview of your usage and billing, [JustPaid.io](http://JustPaid.io) provides a centralized experience to automate and manage vendor relationships, overspending, and more to ensure no matter the stage of your organization, you are always in control.\n\nWe collect data from your contracts all in one dashboard and compare it to both your historical as well as ongoing spend. We work with your existing bill payment solution or you can leverage our multi-approval workflow.\n\n### Backstory\n\nOur backstory is founded on personal experience that is often shared by many in the YC Community:\n\n“_My firm and I were handling all the bookkeeping, accounting and controller functions for over 1,000 startups in the past 10 years. It’s the same issues with the lack of workflow. There is always the same persistent disconnect of management and finance teams. Endless emails between so many stakeholders due to the contract negotiation process with no meaningful control when the bill is due. Additionally, collecting W9/W8BEN forms, and setting up payment accounts.”_ \n\n_- Anelya Grant // Co-CEO_ [_JustPaid.io_](http://JustPaid.io) _(Loopfour)_\n\n_“As a second-time founder, I know it can be a burden to keep a daily eye on spend, yet it is a necessary part of running a successful startup looking into what is owed and what is paid. I wanted to create a tool I wish I had that gave real-time financial insights. Founders and their teams need a copilot providing a usable dashboard to make them certain about cash flow visibility into their company, giving financial insights real-time.”_\n\n_- Daniel Kivatinos // Co-CEO_ [_JustPaid.io_](http://JustPaid.io) _(Loopfour)_\n\n_“I want every founder out there to have accurate financial information at their fingertips so that every employee can feel secure.”_\n\n_- Vinay Pinnaka // Co-Founder and Founding Engineer_ [_JustPaid.io_](http://JustPaid.io) _(Loopfour)_\n\n![](https://lh6.googleusercontent.com/aaAXDhjlpZgFRCKiGdU36ksQkCeDyTb-2lNZJYaYrw3Dcle9U271Z_ic4GI8zI6E-Zz1a8MbEPerpl0I76302PBIhVIZVyyaw-Y2bN7FA3jLrCTkEcu0oeGtFV96yBDco3HngTqTXMuyGGGdzKOKhMs)\n\n### Asks\n\nFrom [_JustPaid.io_](http://JustPaid.io) _(Loopfour)_, YC members and others are able to easily self-onboard, connect bank accounts and provide contracts to jump-start the process of agreed vs. charged bill analysis and manage payments. We’re excited to welcome an early adoption of users to not only alleviate their current headaches but also create an open collaboration of feedback together to better advance our solution to exceed your expectations. We are also providing a 50% discount to all YC Companies.", "url": "https://www.ycombinator.com/launches/I43-justpaid-io-loopfour-spend-confidently-with-smart-financial-tools", "votes": 178, "created_at": "2023-02-20T18:34:57.555Z" } ] }, { "id": 27832, "name": "Trigo", "slug": "trigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "website": "https://trigodata.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. No solution exists to consistently furnish this rent verification to landlords and lenders today. The largest database has only 3% coverage of rent data.\r\n\r\nTrigo is a Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We are repeat founders with consumer data and finance experience across Harvard, Citigroup, Experian, and Amazon.", "one_liner": "Rent verification API for landlords and lenders", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1675306671, "tags": [ "Fintech", "B2B", "Proptech", "API", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "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/trigo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/trigo.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trigo-data/", "x_url": "https://twitter.com/TrigoData", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 741033, "full_name": "Sam Stein", "title": "Founder", "founder_bio": "Sam is the Co-founder & CEO of Trigo. Sam joins Trigo as a repeat founder previously in the food tech space. Prior to that, he spent 8 years in finance and private company investing at Citi, Richard Branson's Virgin Group, and RedBird Capital. Sam is a mission-driven founder excited about social impact. Born and raised in Atlanta, GA. Currently based in New York City. Sam has a B.A. in Government from Harvard.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sam-s-8300188/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4613485b3a1220dd854a1c7d0720afa23c808235.jpg" }, { "user_id": 1092278, "full_name": "Abe Wheeler", "title": "Founder", "founder_bio": "Abe built Trigo (YC W23), the first API for consumer rent data. Trigo was acquired by Snappt in August 2025.\n\nAbe is currently building the agent operations platform at Alignbase.\n\nBefore Trigo, Abe built AI adtech systems at Amazon. He has a B.S. in Computer Science from the University of Southern California.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abrahamwheeler/", "x_url": "https://x.com/AbeWheeler5", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/54bcac822afe309a0b8920baa84fcd3f24b81aea.jpg" } ], "jobs": [], "news": [ { "title": "Snappt Acquires Trigo, Secures $50M Growth Financing - Los Angeles Times", "url": "https://www.latimes.com/b2b/ai-technology/story/2025-08-06/snappt-acquires-trigo-secures-50m-growth-financing", "date": "Aug 06, 2025" }, { "title": "Snappt Acquires Trigo to Strengthen Trust Infrastructure in Multifamily Leasing - Multifamily Executive", "url": "https://www.multifamilyexecutive.com/technology/snappt-acquires-trigo-to-strengthen-trust-infrastructure-in-multifamily-leasing", "date": "Aug 05, 2025" }, { "title": "Snappt Acquires Trigo to Enhance Applicant Trust Platform for Multifamily Housing, Secures $50M Growth Financing", "url": "https://finance.yahoo.com/news/snappt-acquires-trigo-enhance-applicant-160000786.html", "date": "Aug 04, 2025" }, { "title": "Snappt Acquires Trigo to Enhance Applicant Trust Platform for Multifamily Housing, Secures $50M Growth Financing – Company Announcement - FT.com", "url": "https://markets.ft.com/data/announce/detail?dockey=600-202508051200BIZWIRE_USPRX____20250805_BW739999-1", "date": "Aug 04, 2025" } ], "launches": [ { "id": 69852, "title": "🏠 Trigo 🏠 Rent data API for landlords and lenders", "tagline": "Approve better tenants & write more loans with rent data", "body": "Hi! We’re [Sam](https://www.linkedin.com/in/samsonstein/) & [Abe](https://www.linkedin.com/in/abrahamwheeler/), founders of [Trigo](https://trigodata.com/).\n\n**TLDR:** **Trigo** aggregates **consumer rent history** to help **landlords approve better tenants** and **lenders write more loans**. We have **25x more coverage** than the credit bureaus, and we’ve already consolidated **tens of thousands of rental units** to provide data instantly.\n\n![uploaded image](/media/?type=post&id=69852&key=user_uploads/1092278/edd9cd08-b7d8-48f6-8830-8a7d9f3d4731)\n\n## ❓ Rent Data is Missing\n\n🏠 **Landlords**: **Bad debt & evictions are at all time highs** in the U.S., and landlords need more data for added protection across the **60+ million tenants screened annually**. Applicants with positive rent history are **4x more likely** to pay their rent on-time and in full.\n\n🏦 **Lenders**: In 2021, financial institutions including Fannie Mae and Freddie Mac added rent payment data to their underwriting models to expand access to credit. Without rent data to input into these models, **lenders are writing 17% fewer loans than they could**. That’s a lot of missed loans across the **300 million consumer loan originations** annually in the U.S.!\n\n❌ **No solution exists** to consistently furnish this data to landlords and lenders today. The largest database has only **3% coverage** of rent data.\n\n## 🔌 Trigo Rent API\n\n**Trigo** is a federally regulated **Consumer Reporting Agency (CRA)** that provides this missing rent data set through a **real-time API** and web application. We’ve already consolidated **tens of thousands of rental units** to provide **instant data**. Where we don’t yet have data coverage, we **automate outreach** to landlords.\n\n## 👋 About Us\n\nWe’re repeat founders with consumer data and finance experience across Experian, Citigroup, and Amazon.\n\nTrigo began when Sam pulled his own credit report and realized not one of his landlords over the past decade had reported a single month’s rent payment to the credit bureaus. With a little research, we discovered that **this data has only 3% coverage in the market today**.\n\nSam met Abe through [YC cofounder matching](https://www.ycombinator.com/cofounder-matching) (amazing product - 🤝 YC!), and the rest is history.\n\n## 🙏 Our Ask\n\nThanks for reading about us. If you or someone you know is interested in our data, you can reach us at [**contact@trigodata.com**](mailto:contact@trigodata.com). In particular, we would love to talk to:\n\n1. **Landlords**\n2. **Property managers**\n3. **Proptech providers**\n4. **Lenders**: financial institutions or fintechs—mortgages, personal loans, credit cards, auto loans, etc.", "url": "https://www.ycombinator.com/launches/IAe-trigo-rent-data-api-for-landlords-and-lenders", "votes": 78, "created_at": "2023-03-01T22:01:50.095Z" } ] }, { "id": 27842, "name": "Chart", "slug": "chart", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09db813dada056c514e465d4e87a8f422f954e3c.png", "website": "https://trychart.com", "all_locations": "San Francisco, CA, USA", "long_description": "Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.", "one_liner": "Realtime Access to Verified Tax Records", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677011489, "tags": [ "FinOps", "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/chart", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/chart.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trychart", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/09db813dada056c514e465d4e87a8f422f954e3c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 742211, "full_name": "Fatih Celikbas", "title": "Founder", "founder_bio": "Building the only real-time API for verified tax data.\n\nPreviously at Meta.\nYale 20'", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fatih-celikbas", "x_url": "https://twitter.com/clkbsfth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/58645dff06cd393e922af666c7bf99817bfab87f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27859, "name": "No Cap", "slug": "no-cap", "former_names": [ "Carbon Science", "Carbon Search", "Intently", "Socap.ai" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cf30e5fb4585b9d43dd92dd9ebe9b279cd7f68a.png", "website": "https://www.nocap.so", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The world's first AI agent that coaches founders & invests in them. Currently led by a repeat AI founder Alexander Nevedovsky (exit to Farfetch), who joined post-YC batch: https://www.linkedin.com/in/ednevsky 👋", "one_liner": "AI startup investor, No Cap", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1680292727, "tags": [ "Investing", "AI", "Fundraising" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech" ], "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/no-cap", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/no-cap.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/nocapso", "x_url": "https://x.com/nocap_so", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cf30e5fb4585b9d43dd92dd9ebe9b279cd7f68a.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": 181691, "full_name": "Slava Solonitsyn", "title": "Founder", "founder_bio": "2 times YC alum: Mighty Buildings (W18), No Cap (W23). Angel investor. No Cap 🚫🧢", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/solonitsyn/", "x_url": "https://twitter.com/solonitsyn", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e868406528e5e41435776dd8975a4d49ba71a74.jpg" }, { "user_id": 255469, "full_name": "Mika Melchanka", "title": "Founder", "founder_bio": "Serial entrepreneur, an avid learner, wearing lots of hats, and doing lots of projects.\nThe main area of interest are technological fusion (AI/Data analytics + traditional businesses), IoT, and sustainability.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mikamelchanka/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6000829b23366293bce5d8806a4e35d407e0b258.jpg" }, { "user_id": 210644, "full_name": "Dmitry Starodubtsev", "title": "Founder", "founder_bio": "Dmitry Starodubtsev is a Top YC Founder @MightyBuildings (YC W18, $150M+ raised) and @NoCap/Intently (YC W23, with NoCap Mafia founders backing $1B+ of companies). Entrepreneur and angel investor in science, AI, and deep-tech. On the hunt for sustainable ways of unlocking higher productivity in critical industries. Can help with product development, R&D acceleration, and fundraising. Always open to connect—especially as I expand my network in AI while building my next big thing!", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dimastar/", "x_url": "https://twitter.com/dmitry_star", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb7ffe04c21e92f2fde9fe105b438f437e49a49b.jpg" } ], "jobs": [], "news": [ { "title": "Intently raises $3M to launch AI-powered networking tool for startup founders | VentureBeat", "url": "https://venturebeat.com/ai/intently-raises-3m-to-launch-ai-powered-networking-tool-for-startup-founders/", "date": "May 22, 2024" } ], "launches": [ { "id": 70769, "title": "🚀 Intently - Identify the best sales targets using AI", "tagline": "We allow B2B companies to find ready-to-buy prospects way ahead of the competition.", "body": "Hey everyone! We’re Mika, Slava, and Dima from [Intently](https://www.getintently.ai/) 😃!\\\n\\\nThis is our second YC company. Our previous venture grew to 250 people and raised over $150M. While scaling Mighty Buildings, **we faced the challenges of the sales process** – for each successful interaction, countless poorly-timed outreach messages and **missed opportunities piled up** 📚.\\\n\\\n**The reason is simple** - your marketing and sales teams simply can't access and analyze the sheer volume of data available today. Fortunately, what’s challenging for humans is easy for AI.\\\n\\\n**How does Intently work?**\n\nThink of us as the **Google of people search 🔍**: tell us who you want to target, and we'll provide a ranked list of prospects based on their likelihood of buying.\n\n![uploaded image](/media/?type=post&id=70769&key=user_uploads/255469/489dfe95-3f3a-4d58-8f88-4d959256c8bc)\n\n\\\nIntently leverages AI to analyze a wealth of data - from social media presence to digital footprints, to pinpoint prospects with buying intent signals relevant to your offering. We complete each profile with valuable data to help you understand their specific needs and craft tailored proposals.\n\nAs a team that's been on both sides – bombarded with unwanted sales pitches and now promoting our solution to fellow YC community –  we've experienced firsthand how intent data helps us prospect smarter and close deals faster ⚡. And we're eager to help you achieve the same!\n\n**Our ask**\n\nIf you're in the B2B space and want to accelerate your growth with accurate intent data, [book](https://app.usemotion.com/meet/mika-melchanka/meeting?d=30) a demo with us to start using Intently, or reach out to [mika@getintently.ai](mailto:mika@getintently.ai) with any questions!", "url": "https://www.ycombinator.com/launches/IPR-intently-identify-the-best-sales-targets-using-ai", "votes": 66, "created_at": "2023-04-05T15:54:40.269Z" } ] }, { "id": 27862, "name": "Bluedot", "slug": "bluedot", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8fd6f1d5fb7457d7a65b3b8719a1b2c7f07928b.png", "website": "https://thebluedot.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets. They're growing 40-45% weekly and made $110K GMV last week.\r\n\r\nOver 50% of vehicles sold will be electric by 2030. The payments management infrastructure for EV charging and the expenses doesn’t exist at the moment. The founders operated 100+ EV charging stations, worked in companies like Zipcar, Bosch, and Mercedes, and faced this problem through their own experiences. They built a team with a strong fintech background and publicly launched their Bluedot card on Dec 14th, 2022.\r\n\r\nBluedot has raised their pre-seed from Y Combinator, Axel Springer, Porsche, Ford, TechNexus, DRF, and Pritchard Automotive. ", "one_liner": "Bluedot is a single payment platform for EV drivers and fleets.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677704231, "tags": [ "Fintech", "Climate", "Transportation", "ClimateTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/bluedot", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/bluedot.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bluedottechnologies/", "x_url": "https://twitter.com/thebluedot_co", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8fd6f1d5fb7457d7a65b3b8719a1b2c7f07928b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 711267, "full_name": "Selinay Parlak", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/selinayfilizparlak/", "x_url": "https://twitter.com/selinayfilizp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6bb9fdc713e01ad2bf6caf255ded6a8da3716f9.jpg" }, { "user_id": 711269, "full_name": "Ferhat Babacan", "title": "Founder", "founder_bio": "I’m co-founder and CEO of Bluedot. I was working at Zipcar and Bosch before starting Bluedot. I’m a former national volleyball player in Turkey. \n\nI did in high school by feeding worms at home, I received awards from many companies such as Google and Microsoft at the age of 14. As a university climate activist, I participated in many studies. I dropped out of the Munich Technical University, where I went for my master's degree, and we founded Bluedot with my high school friend Selinay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ferhatbabacan/", "x_url": "https://twitter.com/ferhaatbabacaan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8121f5ad1611054208685c0051910e1f1218fbf.jpg" } ], "jobs": [], "news": [ { "title": "How credit cards are getting in on the electric vehicle spending trend - MarketWatch", "url": "https://www.marketwatch.com/story/how-credit-cards-are-getting-in-on-the-electric-vehicle-spending-trend-11644614659?mod=credit-cards", "date": "Feb 17, 2023" }, { "title": "Bluedot's debit card for EV owners offers cheaper charging, cash back • TechCrunch", "url": "https://techcrunch.com/2023/01/23/bluedots-debit-card-for-ev-owners-offers-cheaper-charging-cash-back/", "date": "Jan 23, 2023" } ], "launches": [ { "id": 69841, "title": "(🌍) Bluedot - Single payment solution for electric vehicle drivers and fleets", "tagline": "Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets.", "body": "### **TL;DR**\n\n* **What:** [Bluedot](https://thebluedot.co/) is a single payment platform for EV (electric vehicle) drivers and fleets to charge their cars and manage expenses.\n* **Traction:** We continue to grow since launching publicly on December 15. As of Feb. 28, our **GMV was $82K last wee**k, and it’s **growing by 45% weekly**. We have closed 5 fleet companies.\n* **Here’s what one of our EV fleet management customers had to say:**\n\n “We have partnered up with Bluedot to give our drivers a better charging experience and understand charging behavior and optimize it. Our drivers enjoy using Bluedot so far. The charging map is great and makes it easy for me to drive without worrying.” \n\n “They love that they can pay a flat fee at any charging station and pay without having to download numerous apps. Saves money and time!”\n\n### ⏳ **Problem and how fuel card industry is changing**\n\nCurrently, EVs account for 5% of new car sales in the US and the Biden administration has set an ambitious goal to increase the **market share to 50% by 2030.** To encourage EV adoption, the federal government is investing in building 500,000 new public charging stations for these cars. Along the way, the projected spend for all-electric vehicle charging is expected to hit **$25 billion**.\n\nHowever, this transformation comes with some challenges and opportunities around charging and payments, such as:\n\n📱 **Accessibility:** Currently, to charge their cars, drivers need 5-6 different apps & cards to find and pay at charging stations. This is especially inefficient and difficult for fleet drivers who need to charge frequently.\n\n📊 **Trackability:** It’s hard for fleet managers and drivers to track charging behavior and spending, which creates an inefficient ecosystem.\n\n🧾 **Reimbursement:** Lack of accessibility and trackability also makes it harder for fleet drivers to get reimbursed for charging expenses. Also, most drivers can charge their cars at home, which adds to reimbursement problems.\n\n### Bluedot aims to address these challenges and help accelerate the transition to EV transportation.\n\n### **💡 How Does Bluedot Work?**\n\n▶️ **Bluedot Driver App:** EV drivers can access 60% of available charging stations and pay with the [Bluedot App](https://bluedot.app.link/SPpSLBVv8ub), while also enjoying savings on auto-related expenses.\n\n![uploaded image](/media/?type=post&id=69841&key=user_uploads/711269/024d8b2f-e99b-44bf-9b06-b368614ec80f)\n\n▶️ **Bluedot Dashboard:** Fleet managers can monitor and authenticate driver permissions, as well as gain better visibility into charging and driving behavior, helping to improve fleet efficiency and control costs.\n\n### **👥 Bluedot Crew**\n\n> ![](https://lh5.googleusercontent.com/825Nr_5QT2HD7fYmh4DKuM9NiifgbBP7hNua8V_VxG2pwDcRE7KFieNd_FHkLSy_wCZLjcEAhg8sVfo_SDcwa3dJ3MwKVlPVlcq7rGrYtp5BgtKyz0HuHvdXiH-fKyHsgLDc4rzhQqwgZTOa2kBKUkQ)\n\n\n_From our Bluedot Exclusive event for our drivers_\n\nOur team comprises long-time friends Ferhat and Selinay, who have known each other since high school. Ferhat has worked at reputable car and mobility companies such as **Zipcar, Bosch**, and **Mercedes-Benz**. Meanwhile, Selinay has worked on multiple EV projects and has been recognized by **Business Insider as a Rising Star in the EV Industry**. She was also nominated as Women4Climate by C40 cities.\n\nEmre and Yunus, our technical leads, have built applications that have reached 3 millions users without a marketing budget. Our team is characterized by our grit and perseverance, and we pride ourselves on acting fast and building faster. \n\nWe are backed by investors including Axel Springer and Porsche, Ford, TechNexus, DRF, Eksim Ventures and Pritchard Automotive.\n\n### **🙏🏼 Ask**\n\nWe are expanding and distributing our offering through auto dealers, auto financing companies, fleet management and delivery companies.\n\nWe want to learn more about how they currently manage charging and if they could benefit from payments platform and dashboard.\n\nAlso, try our product and let us know your feedback! If you want to reach out, here is our e-mail: [founders@thebluedot.co](mailto:founders@thebluedot.co)", "url": "https://www.ycombinator.com/launches/IAT-bluedot-single-payment-solution-for-electric-vehicle-drivers-and-fleets", "votes": 99, "created_at": "2023-03-01T20:25:28.552Z" } ] }, { "id": 27882, "name": "Velos", "slug": "velos", "former_names": [ "GradientJ" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1521d60e05f3fa5d010d16b7722a46d4fb586f90.png", "website": "https://www.tryvelos.com", "all_locations": "San Francisco, CA, USA", "long_description": "Velos helps insurance carriers and MGAs automate complex, manual back-office tasks with AI workers instead of overseas teams.\r\n\r\nWe take over workflows with the same responsibility of a traditional overseas Business Process Outsourcing (BPO) firm: mapping the customer’s existing process, creating the SOP, building the automation, and continuously improving the workflow after launch. \r\n\r\nUnlike other \"automation platforms\" we don't rely on our customers to build and manage the workflow, we take over it for them like a traditional outsourcing firm.\r\n\r\nWe're automating the repetitive work people hate to do.", "one_liner": "AI BPO for Specialty Insurance MGAs", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1674503496, "tags": [ "Reinforcement Learning", "Robotic Process Automation", "Insurance", "Automation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/velos", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/velos.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tryvelos/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1521d60e05f3fa5d010d16b7722a46d4fb586f90.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [], "jobs": [], "news": [], "launches": [ { "id": 68762, "title": "GradientJ - Build and manage GPT3 🤖 applications at scale", "tagline": "GradientJ helps product teams deploy large language models at scale. Companies use us to create GPT3 applications and monitor them in production.", "body": "### **What is it?**\n\nGradientJ is a web application to build, compare, and deploy prompts for large language models like GPT3.\n\n### **Is this for me?**\n\nGradientJ is for:\n\n* Product teams that are just **thinking of using something like GPT3** in their product and are **trying to figure out how to get started**.\n* Teams who are **already using LLMs** to delight their customers and are **trying to level up their workflow** with faster iteration, better organization, easy cost and performance comparisons, and the on-ramp to \\~_the mythical land of fine-tuning\\~_.\n\n### **What’s the Problem?**\n\nCurrently, the **road from exciting prototype output with ChatGPT to production-ready GPT3 deployment is unclear** and littered with potential pitfalls.\n\nEven for the teams that do get version 1 out the door, **the workflow often ends up as a stitched together hodgepodge of makeshift processes and tools.**\n\nLLM deployment is a leading cause of “am I doing this right?”-itis. Symptoms include:\n\n* A text document with examples copy-pasted into the OpenAI playground\n* A prompt comparison process that consists of an eyeball test followed by “looks better-ish”\n* Hours spent tweaking a prompt on one example only to find, in the end, it breaks on all the others\n* Nightmares of users getting nonsensical or offensive output from a hallucinating LLM\n\n### **How do we solve it?**\n\nWe made a prompt engineering interface that:\n\nAutomatically suggests starting points or improvements to your prompts.\n\n![uploaded image](/media/?type=post&id=68762&key=user_uploads/314229/aabfc294-5d59-4f02-a9a0-ff9ea4e2a1b0)\n\nTracks prompt versions and benchmark examples so you can always compare and deploy the best iteration.\n\n![uploaded image](/media/?type=post&id=68762&key=user_uploads/314229/2491d923-0562-4c55-aa1c-fe0837a3b899)\n\nDeploys to your own API endpoint with automatic cost and performance tracking in one click.\n\n![uploaded image](/media/?type=post&id=68762&key=user_uploads/314229/df784795-2290-4ce9-9fbe-90ec41fbb21b)\n\n# **The Ask:**\n\n* **Let us help:** If you’re trying to use LLMs like GPT3 in your application and want to discuss how to **get version 1 out the door** **FAST**, we’d love to talk.\n* **Try it out:** If you’re already using LLMs in your application, we’d love to talk.\n* **Spread the Word:** If anyone you know is using or thinking of using LLMs, we want to turn their ideas into reality.\n\nDrop your email here , email us at [founders@gradientj.com](mailto:founders@gradientj.com), or jump right in and book a time to talk [here](https://calendly.com/daniel-gradientj/meeting)!", "url": "https://www.ycombinator.com/launches/Ht4-gradientj-build-and-manage-gpt3-applications-at-scale", "votes": 67, "created_at": "2023-01-26T20:03:07.818Z" } ] }, { "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": 27936, "name": "ClickPe", "slug": "clickpe", "former_names": [ "FinX", "DailyPe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "website": "https://clickpe.ai/", "all_locations": "Surat, GJ, India", "long_description": "Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital.\r\n\r\nTherefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. \r\n\r\nEvery day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.", "one_liner": "Finance on a Click", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1679390801, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/clickpe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/clickpe.json", "year_founded": 2022, "city": "Surat", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/dailype", "x_url": "https://twitter.com/Team_DailyPe", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/534ee6cd11a890a7d3ee352ff25c463a9a6c5a8b.png" ], "primary_partner": null, "founders": [ { "user_id": 1043738, "full_name": "Shashwat Shrikhande", "title": "Founder", "founder_bio": "I enjoy working on problems related to the lending tech industry and want to help reduce the credit gap in the Indian economy.\n\nI graduated from IIT Kharagpur in 2021 and then worked at ICICI bank & Lenskart.com before starting up DailyPe.\n\nI am an ardent Chelsea football club fan, DM me anytime to discuss football 😁😎", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shashwat-shrikhande", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95860eaa75fa4e91196f39a43476acbdddd3f3aa.jpg" }, { "user_id": 514038, "full_name": "Saurabh Gupta", "title": "Founder", "founder_bio": "Co-Founder of DailyPe. I have 2 years of experience building products in the lending tech domain at FinBox. I have created products such as Device Connect and Bank statement analyzer to evaluate New to Credit customers. During my college, I opened a glass bottle recycling factory. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saurabh-gupta2104", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/334df7160a9a14e14a1255c331c316188b8e2ce6.jpg" } ], "jobs": [ { "id": 61815, "title": "Backend Intern (Python)", "url": "https://www.ycombinator.com/companies/clickpe/jobs/N3kIxQj-backend-intern-python", "location": "IN / Remote (IN)", "type": "Internship", "role": "Engineering", "role_type": "Backend", "salary_range": "₹10K - ₹30K INR", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "Serverless" ] }, { "id": 68570, "title": "Backend Engineer Full Time", "url": "https://www.ycombinator.com/companies/clickpe/jobs/cXo6jPK-backend-engineer-full-time", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹500K - ₹1.5M INR", "equity_range": "0.20% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Go", "PostgreSQL", "Python", "Serverless" ] } ], "news": [ { "title": "DailyPe among top 30 startups", "url": "https://www.linkedin.com/feed/update/urn:li:activity:7108793363235008512/", "date": "Oct 04, 2023" } ], "launches": [ { "id": 70455, "title": "DailyPe - Repay your loans daily", "tagline": "DailyPe is a marketplace for business loans, that are repaid daily.", "body": "Hey! We are [Saurabh](https://www.linkedin.com/in/saurabh-gupta2104/) and [Shashwat](https://www.linkedin.com/in/shashwat-shrikhande/), the founders of [DailyPe](https://dailype.in/). We met each other at IIT Kharagpur and have been friends for the past 7+ years. We’re building DailyPe — a marketplace for business loans that are paid in smaller, daily installments.\\\n—\n\n### **Problem 💸: Paying your loans in huge installments at once sucks.**\n\nSmall shop owners earn daily unlike salaried people, but when it comes to loan repayment both are asked to pay monthly. For these shop owners, it is difficult to calculate how much to save each day so that they will have the required installment amount at the end of the month. Also, at the time of repayment, they end up with a big hole in their working capital.\n\n### **Solution 💡: Reduce risk & pay small amounts daily.**\n\n**Borrower Side:** When you earn daily you pay daily and get away from the stress of huge one-time installments. Each day, a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default, and you also build your credit score. \n\n**Lender Side:** Discover defaulters early because right from the 2nd day onward, your collection data stops you from lending in that particular demographic and geographic location. These data points wouldn't be available in the traditional way of lending till at least the 3rd month. With DailyPe, lending decisions are much more informed leading to higher collection rates and lower NPAs.  \n\n![uploaded image](/media/?type=post&id=70455&key=user_uploads/514038/c1cbfb52-4486-4bf2-aa13-d39065cd0419)\n\n### \n\n### **Why us 😎**\n\nWe both have seen this problem firsthand when our fathers, who ran their own businesses, would stress out days before installment day — saying that they “\\*\\*need to save and transfer money from their secondary accounts to pay for the loan.\\*\\*” \n\nAlso, while working at FinBox and ICICI bank in the past, we built products in the **lending-tech industry.** This was something we had always wanted to build.\n\nFun fact: These loan products are called “**khandi Udhar**” which existed for a long time in the unorganized markets in India. We are making them organized 😁\n\n### **Ask** ❤️\n\n**Lending Partners**: If you can connect us with banks, NBFCs, and debt institutions in India who are open to becoming finance providers for our small business owners. \n\n**Data Points**: If you have worked on credit models, underwriting tech, risk analysis, or any sort of lending algorithm, please reach out to us at [founders@dailype.in](https://mailto:founders@dailype.in). It would be a pleasure to learn from you.             ", "url": "https://www.ycombinator.com/launches/IKN-dailype-repay-your-loans-daily", "votes": 78, "created_at": "2023-03-21T20:51:49.508Z" } ] }, { "id": 27939, "name": "FactIQ", "slug": "factiq", "former_names": [ "Data Narratives", "Defog.ai" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4eea8e74dd560d5b945e787263172d6a883e4e0a.png", "website": "https://factiq.com/", "all_locations": "Singapore, Singapore", "long_description": "FactIQ gives AI agents access to clean and trustworthy data for investment research.\r\n\r\nWe source, clean and standardize data from company financials, market prices, economic series and satellite imagery. We make it absurdly obvious for any AI agent to accurately query this data. We currently have 100M+ data series covering US and Asia, and are adding new data every day. ", "one_liner": "Investment research data for AI agents", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1672890387, "tags": [ "Investing", "Data Visualization", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/factiq", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/factiq.json", "year_founded": 2023, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/fact-iq", "x_url": "https://x.com/tryfactiq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4eea8e74dd560d5b945e787263172d6a883e4e0a.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": 218578, "full_name": "Rishabh Srivastava", "title": "Founder", "founder_bio": "ML developer. Previously bootstrapped data APIs co to 100M+ monthly end users. I blog at rish.blog and am fairly active on Twitter (@rishdotblog)", "is_active": true, "linkedin_url": "https://linkedin.com/in/rishsriv", "x_url": "https://twitter.com/rishdotblog", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/da382fe67f5b879cd48e2b87d121703505e0db99.jpg" }, { "user_id": 1153841, "full_name": "Medha Basu", "title": "Founder", "founder_bio": "Co-Founder of Defog.ai. Former journalist/editor/content marketing person. Grew an enterprise content marketing firm from $0 to 7 figures in yearly revenue. Once interviewed a terrorist. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/medha-basu/", "x_url": "http://twitter.com/medha_basu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/758a7af2b0a8db506432903862bd9d289acd87ea.jpg" } ], "jobs": [], "news": [ { "title": "How enterprises are using open source LLMs: 16 examples | VentureBeat", "url": "https://venturebeat.com/ai/how-enterprises-are-using-open-source-llms-16-examples/", "date": "Jan 29, 2024" }, { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/exclusive-combinator-leads-22m-sgbased-ai-analytics-firm", "date": "Nov 22, 2023" } ], "launches": [ { "id": 68202, "title": "Defog.ai - ChatGPT for data, embedded in your app", "tagline": "Embed insights widgets in your apps and let users ask questions in natural language.", "body": "Hey there! We’re [Medha](https://www.linkedin.com/in/medha-basu/) and [Rishabh](http://twitter.com/rishdotblog) from [Defog.ai](http://defog.ai/).\n\n### **TL;DR**\n\nDefog embeds in your app and lets your users query data in seconds, using everyday language. It’s like ChatGPT for data - right within your app. [**Sign up**](http://defog.ai/) **to get early access.** Or give it a try at [defog.ai/ask](http://defog.ai/ask).\n\n### **😤 The problem**\n\nInsights features within apps take a long time to build and get right.\n\nThis is because SaaS founders and product managers spend most of their time on improving their core product. Insights features are rarely top-of-mind, even though they increase user stickiness.\n\nMost teams tell themselves that they will eventually get to it. But they rarely do. The result is a hastily-built dashboard that provides limited insights to users.\n\n### 🎉 **Our solution**\n\nWe make it super easy to let your users ask questions in natural language and instantly get data and insights on your app.\n\n![uploaded image](/media/?type=post&id=68202&key=user_uploads/1153841/bd2e56ef-b1f8-4d38-b02a-1c851549def9)\n\nDefog embeds an intuitive Q&A-style interface for analytics in your app, and lets users query data in seconds.\n\nSome examples of how companies can use Defog:\n\n* Fintech companies could provide deep insights based on users’ transaction history.\n* Video meeting tools could extract common complaints across customer calls and make them easy to discover.\n* Social media platforms could replace generic analytics dashboards with more specific metrics.\n\n### **🪄 How it works**\n\n1. Give us the metadata of your database schema (if using SQL), or just unstructured data corpuses (if using APIs or text corpuses)\n2. Add our iframe or Javascript plugin to your app\n3. (optional) set up visual styling for how charts should look on our app\n4. Let your users ask questions of the data, and get insights in seconds\n\nWe’re powered by large language models that can search and visualise both structured data (like SQL databases or data warehouses) and unstructured data (like text in call transcripts).\n\nPS: We don’t compromise on privacy 🔐 Our model only needs access to your database schema to work, and not actual data about your customers.\n\n### **⚡ Our asks**\n\n* [Get early access](http://defog.ai/): Sign up to get early access if you’d like to embed Defog in your app\n* [Take it for a spin](http://defog.ai/csv): Ask Defog questions on your own datasets - or one of our pre-selected ones\n* [Share your feedback](https://defog.ai/contact/): If you have questions or feedback, we’d love to hear from you. Email us at founders\\[at\\]defog.ai or reach out to us on [Twitter](https://twitter.com/defogdata) or [LinkedIn](https://www.linkedin.com/company/defog-ai/).", "url": "https://www.ycombinator.com/launches/Hk2-defog-ai-chatgpt-for-data-embedded-in-your-app", "votes": 36, "created_at": "2023-01-05T06:17:24.307Z" } ] }, { "id": 27943, "name": "Hadrius", "slug": "hadrius", "former_names": [ "Quantbase" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/baeea0b99bf74c18e8e63d396a18ee00083f0359.png", "website": "https://www.hadrius.com", "all_locations": "New York City, NY, USA", "long_description": "Hadrius allows regulated financial firms of all sizes to consolidate and automate their compliance processes using AI in one platform. Today, we're securing compliance for $3T+ AUM across our clients.\r\n\r\nWe're building the AI that will regulate the US financial system and the trillions that flows through it.", "one_liner": "Automating Securities Compliance", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1668714980, "tags": [ "SaaS", "B2B", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/hadrius", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/hadrius.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/hadrius/", "x_url": "https://x.com/HadriusAI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/baeea0b99bf74c18e8e63d396a18ee00083f0359.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": 441787, "full_name": "Thomas Stewart", "title": "Founder", "founder_bio": "CEO @ Hadrius (W23). 2x founder including 1 exit. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thomasjstewart/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/277277dc9db21ec570804a3872fd5ba71aebe8c2.jpg" }, { "user_id": 271334, "full_name": "Allen Calderwood", "title": "Founder", "founder_bio": "CTO @ Hadrius (W23), Quantbase, ex-Google, ex-Chime", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/androidallen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/622454f88abc3bc9eee6c9b0b6bca8b365212328.jpg" }, { "user_id": 515820, "full_name": "Som Mohapatra", "title": "Founder", "founder_bio": "Before Hadrius - I dropped out of college to start my first company, an internet-based investment firm called Quantbase. Sold it to a competitor after growing it to $XXM+ AUM in <1 year. We used that money to help fund/grow Hadrius, and now I'm selling compliance software to companies that look like Quantbase.", "is_active": true, "linkedin_url": "http://linkedin.com/in/som-mohapatra", "x_url": "https://twitter.com/som_mohapatra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7ac494bcafc6d32ab4ac936377d148f76c5c3bee.jpg" } ], "jobs": [ { "id": 70099, "title": "AI Engineering Lead", "url": "https://www.ycombinator.com/companies/hadrius/jobs/OGacnWQ-ai-engineering-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$240K - $340K", "equity_range": "0.10% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "ML", "Python", "Machine Learning", "Reinforcement learning (RL)", "LLMs" ] }, { "id": 79636, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/hadrius/jobs/31F2foc-senior-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Django", "Python", "Distributed Systems" ] }, { "id": 79789, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/hadrius/jobs/l2PKqkK-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$250K - $315K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 81664, "title": "Site Reliability Engineering Lead (Infrastructure, Security and Platforms)", "url": "https://www.ycombinator.com/companies/hadrius/jobs/xZdMQVn-site-reliability-engineering-lead-infrastructure-security-and-platforms", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$200K - $265K", "equity_range": "0.10% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "Information Security", "Software Security" ] }, { "id": 90872, "title": "BDR", "url": "https://www.ycombinator.com/companies/hadrius/jobs/BJuHAmA-bdr", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $120K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 92316, "title": "Product Marketing Lead", "url": "https://www.ycombinator.com/companies/hadrius/jobs/MX3bK6L-product-marketing-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$180K - $210K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105452, "title": "Strategic Finance and Operations Manager", "url": "https://www.ycombinator.com/companies/hadrius/jobs/sPagTwJ-strategic-finance-and-operations-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$150K - $180K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 109291, "title": "Customer Success Manager", "url": "https://www.ycombinator.com/companies/hadrius/jobs/3JlZ5A8-customer-success-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$135K - $165K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "FinTech firm Hadrius nets $2m seed round for AI-powered SEC compliance", "url": "https://fintech.global/2023/09/12/fintech-firm-hadrius-nets-2m-seed-round-for-ai-powered-sec-compliance/", "date": "Sep 12, 2023" } ], "launches": [ { "id": 70075, "title": "Hadrius - SEC regulatory compliance powered by AI", "tagline": "Hadrius is your SEC compliance copilot, saving compliance teams hours daily.", "body": "Hey everyone - we’re [Thomas](https://www.linkedin.com/in/thomasjstewart/), [Allen](https://www.linkedin.com/in/androidallen/), and [Som](https://www.linkedin.com/in/som-mohapatra/) from [Hadrius](https://www.hadrius.com). Hadrius automates the entire ongoing SEC compliance process for investment managers, saving compliance teams hours daily on manual reviews, filings, and audit prep while giving full control over tasks and flagged items from an intuitive dashboard.\n\n![uploaded image](/media/?type=post&id=70075&key=user_uploads/441787/52bbfc17-b327-4223-99b1-4c221a692e23)\n\n### **The Problem ❌**\n\n30,000+ financial firms spend a combined total of $16b+ a year on ongoing SEC compliance, and with new regulations every year, these costs are continuing to rise. At the same time, the existing solutions can hardly keep up, with most firms paying for third-party consultants, law firms, and 2-decade-old software - while still relying on endless manual work to make up the gap.\n\nThe result: upwards of $10k/year per employee spent on regulatory compliance and thousands of hours of tedious tasks at each financial firm.\n\n### **The Solution ✨**\n\n![uploaded image](/media/?type=post&id=70075&key=user_uploads/441787/5a1b6f89-e106-431d-b8d0-500788a169be)\n\n \n\nHadrius scans emails, slack and SMS with GPT3, flagging non-compliant language to speed up correspondence review and does similar work for marketing review and regular filings. We’ve also automated billing reviews, allocation reviews, and rollovers by integrating into investment managers’ existing compliance stack (like client CRMs and trading systems).\n\nAll this is presented to the CCO and their compliance team as a dashboard where they can manage the automated tasks and review flagged items that require human input - overall savings hours daily.\n\n### **Why Us 🤝**\n\n![uploaded image](/media/?type=post&id=70075&key=user_uploads/441787/2991c0e1-d02d-43a0-a161-499a3b680426)\n\nWe ran an SEC-registered RIA ourselves, we've faced these challenges firsthand and developed Hadrius for our own fully-automated compliance program. We aim for a world where compliance is the effortless state of financial firms, rather than constant worry requiring expensive vigilance to maintain.\n\nAcross the team, we’ve had 1 previous exit and worked at Google, hedge funds, and Chime.\n\n### **Launch Deal 🙏**\n\nIf you’re an asset manager, we’ll begin automating your entire compliance stack with 20% off our annual contract as an early bird discount. Send us an email at [hello@hadrius.com](mailto:hello@hadrius.com) or [book a demo](https://0lxsd1t7maq.typeform.com/to/ac9F9JZV?typeform-source=www.hadrius.com)!", "url": "https://www.ycombinator.com/launches/IEF-hadrius-sec-regulatory-compliance-powered-by-ai", "votes": 22, "created_at": "2023-03-09T00:41:20.664Z" } ] }, { "id": 27946, "name": "Fluid Markets", "slug": "fluid-markets", "former_names": [ "Fluid Markets", "Pointwise" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b64061c291b764a8c38c8d8455f8d2aeeabbb5a.png", "website": "https://fluidinvesting.com", "all_locations": "New York City, NY, USA", "long_description": "Fluid Markets was the first company to attempt to build futures markets on public company KPIs with the legal structure now known as prediction markets.", "one_liner": "Invest in public companies KPIs", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1671463381, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fluid-markets", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/fluid-markets.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fluidmarkets/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b64061c291b764a8c38c8d8455f8d2aeeabbb5a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 838824, "full_name": "Ken Book", "title": "Founder", "founder_bio": "Building Pointwise: The app that tells you which credit card to get", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kennethbook/", "x_url": "https://x.com/itskenbook", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c36a8e0f2f85d8936b85bd91a8d96f38e94fd995.jpg" }, { "user_id": 859404, "full_name": "Benjamin Litvin", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benlitvin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/589f4bbbf93b3a669d0fcf5bf003264c536cf99d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 74640, "title": "Fluid Markets - Invest in Apple earnings, not Apple stock", "tagline": "Fluid creates futures contracts on public company earnings and revenue that eliminate market risk", "body": "Here at [**Fluid**](https://www.fluidinvesting.com/), we’re building futures contracts that enable **direct investments in the earnings and revenue of publicly traded companies, without taking any market risk**.\n\nFor example, **invest in Apple earnings**, **but not Apple stock. If Apple outperforms earnings expectations, you will make money.**\n\nToday, we're launching our beta in the form of a [paper trading competition](https://trading.fluidinvesting.com/)!\n\n**❌ The Problem: The Stock Goes Down, Even When Earnings Beat**\n\nInvestors model out revenue and earnings while determining the value of the underlying company. When quarterly statements are released, an investor's prediction about a component can be **correct**, but they can still **lose money** on the trade. Investors **cannot** accurately eliminate external risk through current hedging strategies.\n\n**✅ **[**Try it Out:**](https://trading.fluidinvesting.com/signup)** A Paper Trading Competition With Real Cash Prizes**\n\nOur trading competiton allows you to test our markets while we undergo regulatory approval.\n\nEach competition lasts 2 weeks, with cash prizes awarded to those who place within the top 10.\n\n**Home Page: Track Your Progress Against The Competition**\n\n![uploaded image](/media/?type=post&id=74640&key=user_uploads/858644/b988cf09-1c9c-42ae-ae68-dadca26ecda3)\n\n**Our Live Markets: Go Long or Short Earnings, Revenue, and More**\n\n![uploaded image](/media/?type=post&id=74640&key=user_uploads/858644/dade841b-c460-4516-b76f-66a00c34c31e)\n\n**Portfolio: Track Your Performance**\n\n![uploaded image](/media/?type=post&id=74640&key=user_uploads/858644/38891381-8f44-4bb9-9b74-51a449dc30f8)\n\n[**Start trading now!**](https://trading.fluidinvesting.com/signup)\n\n❓ **Ask:** If you are or know anyone who is a public equities investor, from hedge fund managers to asset managers to retail traders, please introduce them to Fluid!", "url": "https://www.ycombinator.com/launches/JPs-fluid-markets-invest-in-apple-earnings-not-apple-stock", "votes": 11, "created_at": "2023-09-05T20:26:33.901Z" }, { "id": 70425, "title": "Fluid Markets - Exchange to invest in company earnings", "tagline": "Fluid is a futures exchange enabling direct investments in the components that influence stock prices, without taking any market risk.", "body": "\nWe’re excited to share what we’re working on here at Fluid!\n\nWe're launching a futures exchange to enable **direct investments in the components that influence stock prices, without taking any market risk**. For example, **invest in earnings** of a public company, **but not the equity** itself.\n\n### **❌ Problem:**\n\nInvestors model out revenue, earnings, segments and other components that determine the value of the underlying company. When quarterly statements are released, an investor's prediction about a component can be **correct**, but they can still **lose money** on the trade. Investors cannot eliminate external risk through current hedging strategies.\n\n### **✅ Solution:**\n\nWe're building an exchange to offer **futures on fundamentals of public companies.** Our futures on **revenue, earnings, and segments,** among other fundamentals, guarantee that if an investor's thesis is **correct**, they will **make money.**\n\n![uploaded image](/media/?type=post&id=70425&key=user_uploads/859404/2062d737-7782-4f76-bb75-89fdf5b581f7)\n\n### **📚 Our Story:**\n\nKen, Ari, and Ben are experienced entrepreneurs who have worked in derivatives and securitization investment banking at Goldman Sachs and Barclays.\n\nWe encountered the problem of trying to trade fundamentals in our personal portfolios based on expectations of segment performance, and through speaking with equity investors, we've discovered it's a bigger problem than we could have imagined.\n\n### **❓Ask:**\n\nIf you are or know anyone who is a public equities investor, from hedge fund managers to asset managers, we would love to hear from you! You can reach out to us at [founders@fluidinvesting.com](mailto:founders@fluidinvesting.com)", "url": "https://www.ycombinator.com/launches/IJt-fluid-markets-exchange-to-invest-in-company-earnings", "votes": 36, "created_at": "2023-03-20T21:02:04.002Z" } ] }, { "id": 27952, "name": "Finic", "slug": "finic", "former_names": [ "Triton", "Buff", "Sidekick", "Psychic", "Dealwise" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06180819ad31c1d2ee1b4b62d506fd5e7655aec4.png", "website": "https://www.finic.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Finic helps teams stop fraud, abuse, and financial crimes with system on models that make accurate decisions in fractions of a second, and system two agents that automate investigations end-to-end.", "one_liner": "Frontier AI to stop fraud, abuse, and financial crimes.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677272534, "tags": [ "Compliance", "Enterprise", "Automation", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "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/finic", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/finic.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finic-ai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/06180819ad31c1d2ee1b4b62d506fd5e7655aec4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1c9eadc7f39d66903aedf0861616956033002285.png" ], "primary_partner": null, "founders": [ { "user_id": 139135, "full_name": "Jason Fan", "title": "Founder", "founder_bio": "Ex security & product @ Robinhood. University of Toronto Computer Science.", "is_active": true, "linkedin_url": "https://ca.linkedin.com/in/jason-fan-b59767104", "x_url": "https://twitter.com/jfan001", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/970d5fd882ee5ceec1544145866e19f878696341.jpg" }, { "user_id": 487696, "full_name": "Ayan Bandyopadhyay", "title": "Founder", "founder_bio": "Founder @ Finic (YC W23). Caltech class of 2020, former software engineer at Robinhood.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ayan-bandyopadhyay-9a45b1103/", "x_url": "https://twitter.com/ayanicband", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/84f47331f39f9e66682b24a2dc6262c3ce44ca15.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 120575, "title": "Grayson: A universal decision model for fraud, risk, and financial crimes", "tagline": "Real-time risk decisions at 1/100th the cost of Sonnet 5.5", "body": "Hey everyone 👋 I'm Jason, CEO of [Finic](https://finic.ai). Today we're launching **Grayson**, the first universal decision model trained to catch fraud, abuse, and financial crimes in real time.\n\n**TL;DR:** Send Grayson any context (logins, transactions, case notes, call transcripts) and a set of questions. Get back a calibrated probability for every answer in under 150ms. On fraud and risk benchmarks it's as accurate as Claude Sonnet 5.5 at 1/100th the cost, and it beats Jev. Zero data retention by default. [Request API access](https://finic.ai) and get $25 in free credit.\n\n![uploaded image](/media/?type=post&id=120575&key=user_uploads/139135/042eac49-1269-4f2c-b51e-d7f1476d31da)\n\n### ❌ The problem\n\nI joined Robinhood pre-IPO and built our fraud investigations platform, along with some of our most critical authentication controls. I saw the same problem over and over: many risk decisions need human-level judgment, but they come up so often that paying a human (or an AI agent) to make them is financially unworkable.\n\n* Should this new device require step-up authentication?\n* Should we allow this transaction, or block it?\n* Should this ticket go to fraud, or to customer support?\n* Does this call log show signs the customer is being scammed?\n* Is this fraud?\n\nToday, teams answer these with some mix of:\n\n* **Rules** that are brittle and get gamed the week after they ship\n* **Custom ML models** that take months, need labeled data, and have to be retrained every time a question or data source changes\n* **Frontier LLMs** that take seconds, cost dollars per thousand calls, return prose you have to parse, and are confidently wrong\n* **Humans or agents** who can do it well, but not on every login, transaction, and ticket\n\n### ✅ The solution: Grayson\n\nGrayson is a **decision model**: you can't chat with it. You give it context and typed questions, and it returns only probabilities, so a rules engine, router, or review queue can use them directly.\n\n```\n// Request (abridged)\n{\n \"context\": { \"known_devices\": [...], \"events\": [...] },\n \"questions\": [\n { \"name\": \"is_ato\", \"type\": \"noul\", \"instructions\": \"Are there signs of an ATO?\" },\n { \"name\": \"top_device_family\", \"type\": \"choice\",\n \"instructions\": \"Which device family do they use the most?\",\n \"options\": [\"apple\", \"android\", \"other\"] }\n ]\n}\n\n// Response\n{\n \"is_ato\": { \"value\": true, \"probability\": 0.999 },\n \"top_device_family\": { \"value\": \"apple\",\n \"probabilities\": { \"apple\": 0.999, \"android\": 0.001, \"other\": 0.000 } }\n}\n```\n\n![uploaded image](/media/?type=post&id=120575&key=user_uploads/139135/7b6becc9-a9de-4478-a6ac-a7920a35f2cd)\n\n* **Universal:** any context, structured or unstructured, and any question: yes/no, multiple choice, or a score. No retraining when your data or processes change.\n* **Calibrated:** when Grayson says 0.8, it's right about 8 times in 10. So you can set thresholds, auto-approve the clear calls, send the close ones to review, and move the threshold later without retraining.\n* **Fast and cheap:** under 150ms of model time for typical requests, at $0.035 per million input tokens (about $0.11 per 1,000 requests on our benchmarks).\n* **Private:** zero data retention by default. We never store the context, questions, or answers you send.\n\nGrayson is trained with Reinforcement Learning for Calibrated Decisions (RLCD). Credit to the TypeSafe team behind Jev for pioneering RLCD and the \"System One\" model. Grayson takes that idea and specializes it for fraud, risk, and trust & safety.\n\n### 📊 Benchmarks\n\nWe ran Grayson against Jev, Claude Opus 5.5, Claude Sonnet 5.5, GPT-6.1 Sol, Kimi K3, and Laya on six fraud and risk datasets: four public benchmarks (LendingClub, customs fraud, fake job postings, scam/phishing email) and two of our own held-out evaluation sets.\n\n![uploaded image](/media/?type=post&id=120575&key=user_uploads/139135/4c4a9563-db5f-4ce0-a307-9ad52568bb5c)\n\n![uploaded image](/media/?type=post&id=120575&key=user_uploads/139135/9d4f3e5c-a61d-4f68-907c-d69f89342eab)\n\nGrayson has the best log loss and the highest % right of any model, which matters most for a model whose job is to output probabilities you can threshold on. On the \"is it fraud?\" questions with known outcomes, it has the best log loss of every model tested:\n\n![uploaded image](/media/?type=post&id=120575&key=user_uploads/139135/470e932a-f3d2-4b02-80c2-f16c77137a3a)\n\nAnd on general business decisions (JevBench and EIKOS), Grayson is level with Jev (0.971 vs. 0.974 AUC-PR), while frontier models score 0.988–0.998 at 100–500x the cost.\n\nFull methodology, datasets, and charts are in the [announcement post](https://finic.ai/blog/introducing-grayson).\n\n### 🙏 The ask\n\n* **If you run fraud, risk, or trust & safety** at a fintech, bank, lender, or marketplace: [request API access](https://finic.ai). Every account gets $25 in free credit. We're in early beta (GPUs are still hard to get!) and are rolling out access gradually.\n* **Intros:** we'd love to meet heads of fraud, risk, and T&S, and the engineers who own rules engines and decisioning platforms.\n* Questions or ideas for what Grayson should answer? Email me at [jason@finic.ai](mailto:jason@finic.ai).", "url": "https://www.ycombinator.com/launches/VMl-grayson-a-universal-decision-model-for-fraud-risk-and-financial-crimes", "votes": 2, "created_at": "2026-10-07T20:23:18.171Z" }, { "id": 85671, "title": "Finic 🕵️‍♂️ - AI that investigates financial fraud", "tagline": "Helping fintechs increase fraud ops capacity, improve accuracy, and resolve cases 80x faster.", "body": "We’re Jason and Ayan, the founders of Finic. We help fintechs automate fraud investigations with AI agents.\n\n![uploaded image](/media/?type=post&id=85671&key=user_uploads/139135/4a8b26cc-6258-4e8a-93c7-1779e1768748)\n\n## tl;dr\n\nFinic lets fraud ops teams at financial institutions scale up their capacity by 10x without increasing headcount. We use intelligent automation to analyze structured data (SQL queries, risk scores) and unstructured data (customer support tickets, adverse media), allowing us to triage tickets and generate case notes twenty times faster and at 80% lower cost compared to tier 1 fraud analysts.\n\n---\n\n—\n\n---\n\nAt Robinhood, we led the identity team. One of our key mandates was to prevent, detect, and investigate fraud, with a specific focus on identity fraud. We were able to reduce account takeover (ATO) fraud losses by 95%, but it took us 10 months and a lot of new hires to get there, largely due to **bottlenecks in the human review process.** We tried automating fraud SOPs, but weren’t able to arrive a compelling solution because at the time there wasn’t a way to automate the biggest bottle neck to fraud reviews - subjective reasoning.\n\nNow, we’re building Finic to be the product we wish we had, with AI that now makes this possible.\n\n## **Why is this important?**\n\nConsumer financial fraud losses crossed $10bn for the first time in 2023, and is likely to keep growing as new technology also enables new attack vectors, most recently with synthetic identities created by GenAI.\n\nThe way financial institutions prevent fraud is usually split into three parts:\n\n* **Prevention:** Find and closing loopholes that enable fraud in the first place.\n* **Detection:** using ML or heuristic models (aka “rules engine”) to detect unusual activity.\n* **Response:** Investigating cases of potential fraud, deciding on a course of action, and, in some cases, writing reports detailing the investigation.\n\nPrevention is typically achieved through product improvements, and the market for data products that help with fraud detection is mature. However, **the way that companies respond to fraud is still mostly done by human review** by a combination of highly skilled onshore and low-skilled offshore analysts.\n\n## **Problem**\n\nUsing humans as the front line of fraud investigations is not ideal for several reasons:\n\n* **Humans make mistakes.** For CS tickets, mistakes mean frustrated customers. For fraud cases, mistakes can result in thousands or millions in losses and compliance headaches that last years.\n* **Humans take a long time to train.** Fraudsters change tactics frequently. By the time a team of analysts is fully trained on a new fraud typology, fraudsters have already moved on to other strategies.\n* **Humans are expensive to scale.** The average offshore agent costs $43,000 per year and has a throughput of about 250 cases per month. This means it costs companies $14 per case to investigate fraud, and that’s not even factoring in the period it takes to onboard and train new agents, which is a constant problem since turnover is so high.\n\nFinancial institutions aggressively overhire when fraud is bad, yet still find themselves unable to respond quickly to new fraud typologies, leading to **millions in preventable losses per quarter.** As a result, every fraud ops team I’ve worked with is either understaffed and overworked, or overstaffed and just waiting to be laid off.\n\n## **Solution**\n\nFinic allows fraud ops teams to build custom AI agents that execute SOPs autonomously, improving on the work of junior fraud analysts and allowing the team to scale capacity by 100x with the click of a button.\n\n![uploaded image](/media/?type=post&id=85671&key=user_uploads/139135/1211dd85-7c36-4f73-b1f8-5ab59a333550)\n\nThis gives fraud ops teams several superpowers:\n\n* **Accuracy and explainability:** Finic agents document each step of their workflow, making it easy for senior analysts to audit, which means fewer mistakes. Case notes written by human analysts take much longer and are often inconsistent.\n* **React faster to new fraud vectors:** Finic agents can be created, trained, and scaled to 1000s of cases per day in a matter of hours, something that would be impossible for a team of human analysts.\n* **Scale capacity instantly:** Fraud ops can now scale capacity as easily as engineering can scale web services. Finic agents complete investigations in 1-5 minutes, compared to 1-2 hours for human analysts.\n\nThe Finic platform has three parts, all of which are built on top of a multimodal reasoning engine.\n\n### **SOPs**\n\nEach Finic agent is defined with a SOP, or list of actions they need to take in order to investigate a ticket. This can include data retrieval steps to build a profile of the customer’s activity, analysis steps to reason about whether fraud is taking place (and if so, what kind), as well as actions the agent can take once a decision is made, like escalating tickets for human review.\n\nCustomers can create an SOP on Finic from scratch or import an existing document to **automatically generate each action based on existing SOPs.**\n\n![uploaded image](/media/?type=post&id=85671&key=user_uploads/139135/d3036616-7071-4c1a-a95d-9777fe9b412c)\n\n### **Tools**\n\nFraud analysts need many tools to conduct an investigation, from internal dashboards to SQL tables to vendor data.\n\nFinic uses intelligent automation to connect to any data source and use it the same way a human analyst would: through a browser.\n\nRather than waiting for the engineering team to build new APIs, all it takes to get started with Finic is a list of credentials for the tools they use, drastically **reducing the time it takes to get to ROI.**\n\n### **Audit Logs**\n\nWhether the investigator is an AI agent or a human analyst, keeping a trail of why decisions were made is just as important as making the right decision. In fact, several regulations mandate that financial institutions keep logs of not just transactions but also the reasons why transactions or accounts were flagged as fraudulent.\n\nFinic agents “think out loud” and document each step in the SOP, including what data sources they used, how they arrived at their conclusions, and what steps they took afterward. This makes it easy for senior analysts to review agent activity to ensure compliance and is usually more comprehensive than the reports generated by junior analysts.\n\n## Learn more\n\nHere’s a list of some of the types of fraud we’re helping customers remediate:\n\n* Identity Fraud: Reviewing KYC tickets to determine if new signups are using stolen/synthetic identities, or if the account is being used as a proxy by a malicious third party.\n* Friendly Fraud: Reviewing account activity and dispute packages from third parties to determine if customer-reported issues like credit card chargebacks are legitimate.\n* Account Takeovers (ATO): Reviewing accounts flagged with unusual login activity, and looking at device fingerprint, IP address, transaction activity and other signals to determine if the account has been compromised.\n\nIf you’re a fintech looking for ways to 10x the capacity of your fraud ops team without increasing headcount, **email me at **[**jason@finic.ai,**](mailto:jason@finic.ai)** and I’d be happy to show you a demo.**", "url": "https://www.ycombinator.com/launches/MHn-finic-ai-that-investigates-financial-fraud", "votes": 22, "created_at": "2024-11-18T20:31:43.972Z" }, { "id": 77023, "title": "🌱 Dealwise: an AI powered investment bank for startups", "tagline": "Get acquisition offers in just 3 months. No exclusivity, cancel anytime", "body": "We’re Jason and Ayan from the W23 batch of YC, and we’re building **Dealwise, an AI powered investment bank for startups**\n\n### **TL;DR:**\n\nDealwise helps founders sell their startup. We use AI to automate the back office work associated with dealmaking. This let us serve startups too small for traditional investment banks, while running an accelerated process that gets founders offers in half the time.\n\nContact me at [jason@godealwise.com](mailto:jason@godealwise.com) or visit [godealwise.com](http://godealwise.com) to learn more!\n\n### Background\n\nBefore being founders, Ayan and I were each other’s PMs and software engineers at Robinhood. Around August 2023, we noticed a lot of interest in M&A activity from our founder friends, including one batchmate who we advised informally in the sale of his startup. We started learning about what it takes to get deals done, and that’s when we realized there was a massive gap in advisory services for founders who want to step off the venture path (or were never on it in the first place) that existing service providers don’t fill.\n\n![uploaded image](/media/?type=post&id=77023&key=user_uploads/139135/6ef79a46-b348-4364-b427-e798acfd74d7)\n\n### **The problem**\n\nSelling a company is hard. In fact, **over 90% of deals fall apart before the transaction closes!** Acquisitions are like babies - each one is a miracle, but somehow they still happen all the time. This difficulty is why the investment banking industry rakes in over $300bn per year. \n\nGiven the high failure rates, founders must run an efficient process. They can’t afford to waste months or even years on a deal that never closes.\n\nUnfortunately, if you’re the founder of a startup worth less than $50M, no reputable investment bank is going to work with you, as they won’t generate enough in fees for it to be worth their time.\n\nThis leaves founders with just a few options that, frankly, all suck.\n\n**Traditional M&A Advisors**\n\nThere are many M&A advisors (sometimes called business brokers) in the lower end of the market that work with small businesses. However, selling a small company is just as much work as selling a much bigger one, so successful advisors tend to move upmarket. That means most advisors working with startups are either bad at their job, or very new and inexperienced. \n\nDue to the high failure rates in M&A, advisors sign as many clients as possible and lock them in to exclusivity agreements that ensure they get paid a fee if any client sells in the next 2 years, regardless of whether the advisor was involved. This is not an extreme case, **these predatory agreements are the norm** for M&A advisory firms.\n\nPlus, traditional M&A advisors almost always come from a business background - few understand the software industry or have networks that are better than the founders they work with.\n\n**Marketplaces**\n\nMarketplaces like Flippa or Acquire.com are great for four, five and six figure transactions paid for in cash by individuals, but serious corporate and institutional buyers avoid these platforms.\n\nFor transactions that are seven figures and up, buyers usually need some combination of equity and/or debt financing, which means the bar is much higher for diligence. It also means founders expect a lot more support through the process than what they get listing on a public marketplace.\n\n**DIY**\n\nGiven the alternatives, it’s no wonder most founders with between $1mm and $5mm revenue opt to DIY their acquisition process.\n\nUnfortunately we see many founders who’ve gotten stuck in a viscous cycle of: spend time chasing buyers → get distracted → growth declines → selling gets harder → spend even more time chasing buyers → growth declines more → ultimately shut down.\n\nThe median founder sells 0 companies in their lifetime, so it makes no sense to become a M&A expert when you have a business to run.\n\n### **The solution**\n\nWe started Dealwise in December 2023 to help startup founders get acquired. We use AI to automate the back office work, which means we get healthy margins on transactions that are too small for investment banks. More importantly, it allows us to **run a process in just 3 months** compared to the typical 6-12 months process for M&A advisors and investment banks. As a founder, it means you can get feedback sooner instead of wasting a year with an M&A advisor who’s stringing you along but not doing much work for you behind the scenes.\n\nWe’re new, but our track record is phenomenal. Traditional M&A advisors typically take a minimum of 6 months to close a deal, and 12 months or more if it’s their first deal. We went from launch → 7 figure deal closed in just 3 months, with several more under offer. Our record for clients was just 4 weeks from the start of our engagement to first offer submitted.\n\nAs we scale, we’ll apply our experience building LLM tooling at our previous startup to continue automating tasks like buyer prospecting, thesis generation, NDA signing, and data room creation so we can focus our time on supporting founders through their acquisition journey.\n\n### **Why is this important?**\n\nPatrick and John Collison sold a little known startup called Auctomatic in 2008 before founding Stripe. Sam Altman’s first company, Loopt, raised $30M from investors only to sell for a “modest” $40M. Before Uber, Travis Kalanick spent six years trying to make a startup called Red Swoosh work, at one point moving back in with his parents, before finally selling it in 2007. And Socialnet was considered a failure by its founder, Reid Hoffman, after being acquired for a “modest sum” in 2002.\n\nFor startups that struggle to hit escape velocity, sometimes the best option is to sell it so the founders can move on to greener pastures.\n\n![uploaded image](/media/?type=post&id=77023&key=user_uploads/139135/a9f2b058-74b2-404f-a8f0-eb8921afbc1a)\n\nBut selling a startup is a difficult, and often lonely process. We want to be there for founders when their VCs have stopped replying.\n\n## **Our ask**\n\nIf you know a founder who are considering an exit, email me at [jason@godealwise.com](https://www.gsb.stanford.edu/experience/about/centers-institutes/ces/research/search-funds). We keep conversations 100% confidential and I’ll be more than happy to chat even if all they’re looking for is some advice and insights on the market.\n\nThe founders who will best fit for Dealwise have a few things in common:\n\n* They sell software, or software-enabled services\n* They have at least $1mm in ARR\n* They are profitable or have a clear path to profitability\n* They are motivated - if they had to choose between an exit and raising a round, they’d choose to exit\n* They already have buyer interest and are looking to run a more competitive process\n\nLearn more on [our website](https://godealwise.com/), or reach me at [jason@godealwise.com](https://www.gsb.stanford.edu/experience/about/centers-institutes/ces/research/search-funds) if you want to chat about acquiring or exiting a startup.", "url": "https://www.ycombinator.com/launches/K2J-dealwise-an-ai-powered-investment-bank-for-startups", "votes": 24, "created_at": "2023-12-19T17:04:54.030Z" } ] }, { "id": 27953, "name": "Koywe", "slug": "koywe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "website": "https://koywe.com", "all_locations": "Miami, FL, USA; Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico; Remote", "long_description": "We provide simple, well-documented, and fully compliant payments APIs and interfaces so that any company can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.", "one_liner": "Crypto On and Off Ramp for Latam", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673033105, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Chile", "Mexico", "America / Canada", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Crypto infrastructure for Latam" }, { "question": "What is your company going to make? 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Integrating local payment methods and complying with local regulations.\r\nSome use cases: full-stack crypto ramp for web3 projects via 3-line SDK integration; bespoke fiat to stable coin integration for fintech companies; off ramping facilities; seamless integration between fiat and crypto accounts.\r\nWe dream of a third of all crypto transactions in Latam going through our rails." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/koywe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/koywe.json", "year_founded": 2022, "city": "Miami", "country": "US", "linkedin_url": "https://linkedin.com/company/koywe", "x_url": "https://twitter.com/koywe_latam", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/koywe", "github_url": "https://github.com/koyweforest", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/28008/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAODIUI2QA%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022711Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJGMEQCICdQyGY%2BbftNLxtKIYzFPxdUXttuiP0N09%2F%2BUfBHiBuhAiBOSl161zU1GSzXg078adXidT%2BI1mNTN00xIiFabrEuZSrlAwg6EAAaDDAwNjIwMTgxMTA3MiIMkex8rUdJQnYvqkb2KsIDZvHjdb5Nj1eMSDUiIIyyiwfJ8RyPFxer5o1XPlMS8x%2FtN9n%2F7PvS5Wd7oFPHi1qVxZAOUh%2BsJ%2B%2BXOPvWZ3Ae6ZZbt6%2BpSxxIqhHajGvQPEffXaUpP5qEh5zdOBvoNiFOEcL3U5kvAXPdFAeyEQUSC22Zz6qlwEbD4gyjAVIG69Bq2BqpO5gGA142dDrsMk9Fpvvrw4sUrmoFsqVRjQeNNnbJ6kGBUpNWGmGUg9xVdF1g6zjy5AOLq9gaZMWpGvdL2up4UE8tZcCtovhQX7LttuknA2oMDZbhb%2Bm1111BTyQwfpo0mzYMWvLSVFktebdbrXNkCCYHuwzkc%2FAYLLBCHcwr959rGhfijkmBq8zJ6L%2F3m2hFjzDHCnZYPOz0rFWk1O%2FdpaLpo4%2B83owIv8pdLkfxnSwz7jpV83o7ddFuQwi3GyYhgDV9NKraaZUPDf35OffhHBAa9LNH9KBtXE%2B9EJapzAmTZRHX0y1pAaJdqK7NnCs3JXj5MlJbG%2Fk7qe6hMwsDLiNtlbMQ85QzyJJHGU4y3dM2z2PBRjDSvRfVwapQjnLimR6h7fxLZHe1JssWKCLL3Y7dNZqEc8LFx7ZPmRWFMOj92tYGOqYB1OGPMkYIGSgzUnwJVB6Fm37ysfFBg0lS7An85D5284tv08ntQNXM%2B3NjFf0CnSg8DB6Uagn6Pf8Hz0vPosKjbkPeKHdUWICNI6ZBqrBsIZuFlEJamVl3d%2B5M5pi50RkfxaC0jUNRP0kzypvFoXoBWM5zGuVWthjEJhSlwkhKt8FAj4eChg9bDGTNeM9DkgbxKs0YI84QCmRK0pRtLAv0T11YvQ%2FTTg%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=242c246d83c4adecfd7aa30c28583ad81604af7341e4ecb67a29c6657bd80861", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 985824, "full_name": "Ignacio Detmer", "title": "Founder", "founder_bio": "Ignacio has vast experience scaling business across Latam as Co-Founder and COO of Americas Car Group, a unicorn sold to Prosus Group. He is also a Co-Founder of Proptech (Opencasa), managing 75M USD in properties in the US", "is_active": true, "linkedin_url": "http://linkedin.com/in/ignaciodetmer", "x_url": "https://twitter.com/Ignaciodetmer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/904485741e4f76845b78d435e110182bc2932f32.jpg" }, { "user_id": 532974, "full_name": "Guillermo Acuña", "title": "Founder", "founder_bio": "Entrepreneur from Chile, fullstack handyman.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gjacuna/", "x_url": "https://twitter.com/gjacuna", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1c2898c52bb008e2761ea75568df00817002f573.jpg" } ], "jobs": [], "news": [ { "title": "Guillermo Acuña de Koywe entrega las claves para una nueva economía en equilibrio con la sustentabilidad - TXS Plus", "url": "https://txsplus.com/2022/12/guillermo-acuna-de-koywe-entrega-las-claves-para-una-nueva-economia-en-equilibrio-con-la-sustentabilidad/", "date": "Dec 19, 2022" }, { "title": "Koywe, el nuevo emprendimiento de fundadores de FCG y Cumplo | DFMAS", "url": "https://dfmas.df.cl/df-mas/punto-de-partida/simplificar-acceso-a-web3-el-nuevo-emprendimiento-de-fundadores-de-fcg", "date": "Dec 16, 2022" } ], "launches": [ { "id": 69537, "title": "Koywe - The on and off ramp for crypto in Latam", "tagline": "Fully compliant payment APIs and SDKs to instantly start leveraging crypto to offer services like remittances, USD wallets, and investments. Growing 5x MoM!!", "body": "Good morning, buenos días, bom dia!\n\n**TL;DR:** [**Koywe**](https://koywe.com/) **provides simple, well-documented, and fully compliant payment APIs and SDKs so that any developer can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.**\n\n![](https://lh6.googleusercontent.com/uX0oe40VTdcx1-sixXKvlhjcMAT0yg9gKrfYouL8ChAmqztqPBYLKES3s9-wXv79QSc7Lq9KkCT_KE2a63HzQPLfCaqMf5V_P1nBYjxKqon2966nGAuF9VLfwTi_XcFIS9hMJRjouJLaq884b4y_I4U)\n\nWe’re live, with local on & off payment rails in Chile, Mexico, Colombia, and Peru, and **growing 5x MoM**! Soon we’ll be in Brazil, Argentina, and Central America.\n\n[**Check out our docs**](https://docs.koywe.com/v/english) **and send us an email to** [**founders@koywe.com**](mailto:founders@koywe.com)**! Join the Koywe forest.**\n\n# Who is building this?\n\n[**Koywe**](https://koywe.com/) **is built by us,** [**Ignacio Detmer**](https://www.linkedin.com/in/ignaciodetmer/) **and** [**Guillermo Acuña**](https://www.linkedin.com/in/gjacuna/)**! We met over 30 years ago and have remained friends ever since.**\n\n**We’ve always been passionate about building something people need, especially if it can help every Latin American thrive, founding startups for the last 15 years!**\n\n# **Latam needs this**\n\nToday, most Latin Americans are financially underserved, in both access to, and prices we pay for almost all financial services.\n\n**We believe crypto can solve this**, not by having expensive jpegs or mooning tokens, but by enabling **real financial applications** that settle instantly and at the cheapest fees. We want to offer the building blocks for those applications!\n\nAnd **we’re not alone** in our belief! Latam has been one of the fastest growing regions in crypto adoption and the main use cases are remittances (instant settlement and cheap fees!), a hedge against inflation (stable coins ftw!), and last but not least: investments and speculation.\n\n# **Real use Cases, Real Solution**\n\nThere are many challenges to be solved! **It’s too hard (and expensive) to use crypto as a startup or fintech company**. Countries in Latin America are very diverse, not only in terms of its people, but also laws and regulations, institutions, and financial infrastructure. An international ramp can be as expensive as 10% per transaction, thanks to lack of liquidity, payment processor fees, and exchange rates.\n\n**This made using crypto infrastructure really difficult, until now!**\n\n# **Koywe Infrastructure**\n\nKoywe provides simple, well-documented, and fully compliant payment APIs (both GrapQL and REST) and SDKs so that any developer can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments, at **the best local prices and fully compliant in each country**. As easy as 1, 2, 3.\n\nFor example, get a real quote to sell 1,000 USDC on Polygon and receive CLP:\n\n```\ncurl --location --request POST 'https://api.koywe.com/rest/quotes' \\\n--header 'Content-Type: application/json' \\\n--data-raw '{\n    \"amountIn\": 1000,\n    \"symbolIn\": \"USDC Polygon\",\n    \"symbolOut\": \"CLP\",\n    \"executable\": false\n}'\n```\n\n**Try it out now!**\n\n**Pro Tip**: Changing _executable_ to _true_ allows you to execute that quote within 10 seconds of creating it.\n\n### **We make it as easy as possible.**\n\nWe wrote our docs to be **very easy** to read and understand. They get updated almost every week with feedback from our dear customers.\n\n![](https://lh4.googleusercontent.com/kz4B52QeqIh3WpxYN9jtPFYy-vJB4kxVx3ZiIiTTO3yPDThyHikT4B-lHzzSRAg6gZWrkDFobDosHUWEempKtcmIY3X2mQJ4SOkTaekFP6sBm2Y7iJeCdmL1vHAy7g6CqTyEvwzJ9Tsz5m8e1QMTawo)\n\nAnd if APIs or SDKs are too complicated for you _(or can't be bothered with yet another integration)_, we can spin up a completely customized web view or url just for you! **In under an hour we had set up a bespoke solution for one of our DeFi customers!**\n\n### **The Future**\n\nWe have a **long-term vision of crypto enabling even more complex use cases**, like lending, invoice discounting, and other financial services that help speed up the region's development. All in a non-custodial, fully compliant way!\n\nRead more about our vision and why we are called [**Koywe**](https://koywe.com/) (like the tree in Patagonia) [on our docs!](https://docs.koywe.com/v/english/about-koywe/what-is-koywe#why-koywe-came-about)\n\n# **Our ask**\n\n1. If you're a fintech or crypto-native company, **let's talk about how we can help you grow in Latam**!\n2. If you know a company that could use our services, **make an intro**!\n\nYou can reach us at [founders@koywe.com](mailto:founders@koywe.com) for a bespoke, personalized attention (and some Latin flavors). **We promise** efficiency, no BS, and at least one laugh!", "url": "https://www.ycombinator.com/launches/I5Z-koywe-the-on-and-off-ramp-for-crypto-in-latam", "votes": 58, "created_at": "2023-02-22T14:43:56.503Z" } ] }, { "id": 27957, "name": "Infinia", "slug": "infinia", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7fe17d09bdbf7258b587a47e734d932c0b1886d.png", "website": "https://www.infiniaweb.com/", "all_locations": "Montevideo, Montevideo Department, Uruguay", "long_description": "Infinia enables fintechs, businesses, and banks to bridge stablecoins with local payment rails as well as create local currency virtual accounts in emerging markets. Serving Stripe/Bridge, Jeeves, Ramp, among other tier1 companies.\r\n\r\n", "one_liner": "Move money programmatically - built for developers", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1668175381, "tags": [ "Payments", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Uruguay", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/infinia", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/infinia.json", "year_founded": 2022, "city": "Montevideo", "country": "UY", "linkedin_url": "https://www.linkedin.com/company/82592889/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7fe17d09bdbf7258b587a47e734d932c0b1886d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/7b015f8bc8bb474334c38e8d27438f00d13ccd15.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1007566, "full_name": "Ianai Urwicz", "title": "Founder", "founder_bio": "Former d-local (NASDAQ: DLO) VP Sales and Partnership, I have been working in the Fintech industry for more than 10 years. \nTech early adopter. Half Israeli- half Latino.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ianai-urwicz-ab0b932/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2895b0863bb32ee533522204fec84ce286ab5f2d.jpg" }, { "user_id": 1012543, "full_name": "Alejandro Rettig", "title": "Founder", "founder_bio": "25+ years of experience in the Fintech & Telecom market, including R&D, product management, project management, and sales.\n\nPassionate about technology, always innovates and improves the processes and the business.\nProven experience managing teams and creating more than 50 products/services, that were deployed in customers across Latin America, Africa and Asia.\n\nSpecialties: Product Creation, Design and Development, Research, Innovation, Team Management, Project Management, Sales and Pre/Sales.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alejandrorettig", "x_url": "https://twitter.com/AleRettig", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f43870433137da96ee3fe1f66a180c2f32a9adf.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator invests $500K in Uruguayan Fintech Infinia", "url": "https://latamlist.com/y-combinator-invests-500k-in-uruguayan-fintech-infinia/", "date": "Dec 06, 2022" } ], "launches": [ { "id": 67538, "title": "Infinia - The account to account payment solution in LATAM", "tagline": "Meet Infinia, we help merchants/apps save up to 80% on credit cards fees, enabling Pay By Bank across Latin America.", "body": "# One API - Multi-country A2A Payments\n\nHi everyone!! Ianai and Alejandro here to introduce Infinia.\n\n[Infinia](https://www.infiniaweb.com/en) makes it easy for consumer to pay by bank, and we make it easy for merchants to enable this payment method.\n\n![uploaded image](/media/?type=post&id=67538&key=user_uploads/1007566/cf9496ee-9e4c-45fe-972a-69678057ae8d)\n\n### 😩 The Problem\n\nUnlike Europe, where there is an open banking standard and regulation, in **LATAM each country operates independently**, with different regulation and payment rail.\n\nIn addition, **cards decline rate** roughly **35% in LATAM**….\n\nWe are the first solution to put together those payment rails and create an easy way for merchants to accept frictionless **Pay By Bank across the continent**.\n\n### 🤩 Our Solution\n\n![uploaded image](/media/?type=post&id=67538&key=user_uploads/1007566/213b1e7b-fc1e-425a-8df2-1e4ed0658f0c)\n\n\nAll-in-one Pay By Bank API solution:\n\n1. Payment initiation services: it makes live easier for consumers to pay.\n2. Funds confirmation: Businesses can confirm funds in real time.\n3. Rewards program: consumers earn in store credit when they pay by bank.\n\n### Who is this for?\n\nMerchants, apps, marketplaces, payment service providers, who operates in LATAM, and would like to save on credit card fees and offer a frictionless Pay By Bank option 🚀!!\n\n### Our Ask 🙏\n\n* **Share this post!** Please help spread the word, we want to help startups with fairer payments.\n* **Connect us** with **companies, potential partners and clients**. We would love to showcase our product and discuss the future of payments in LATAM.\n\nFeel free to reach out to us [founders@infiniaweb.com](mailto:founders@infiniaweb.com).", "url": "https://www.ycombinator.com/launches/HZK-infinia-the-account-to-account-payment-solution-in-latam", "votes": 101, "created_at": "2022-11-28T13:22:12.105Z" } ] }, { "id": 27968, "name": "Alaan", "slug": "alaan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "website": "https://www.alaan.com/", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "Alaan is an AI-native finance platform for businesses in the Middle East. One platform for corporate cards, expense management, cross-border payments, accounting automation, treasury, business banking, and more, with AI doing the work finance teams used to do by hand: coding transactions, chasing approvals and receipts, flagging policy breaches, placing treasury deposits and closing the books.\r\n\r\nOur mission is to simplify finance for businesses so they can save time and money.\r\n\r\nOver 3,000 businesses use Alaan, from first-time founders to enterprises like Careem, G42, Tabby, Al Barari, and Rivoli. Since 2022, they have saved more than 2.2 million hours of manual finance work.\r\n\r\nAlaan raised one of the largest Series A rounds in Middle East history, backed by Peak XV (formerly Sequoia India), Y Combinator, 468 Capital, and 885 Capital, among others. Headquartered in Dubai, Alaan has more than 250 employees across its Dubai, Riyadh, and Bangalore offices, with a team that comes from Careem, McKinsey, BCG, Goldman Sachs, Amazon, Revolut, Rippling, and the world’s leading firms.\r\n\r\nAlaan has been named to the UAE Future 100 list, selected as an Endeavor company, and ranked the No. 1 spend management platform in EMEA by G2.", "one_liner": "Ai-native finance platform for the Middle East", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1671191601, "tags": [ "Fintech", "Payments", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/alaan", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/alaan.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/alaanpay", "x_url": "https://twitter.com/alaan_pay", "fb_url": "https://www.facebook.com/alaanpay/", "cb_url": "https://www.crunchbase.com/organization/alaan", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c29cc2d3d97a1d6a6357ee4f51a3732dc5bbc14c.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/7f15abd32cfcc587e63d5e13eb36eac06bb80d60.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 631526, "full_name": "Parthi Duraisamy", "title": "Founder", "founder_bio": "I grew up in a lower-middle-class family in India. Neither of my parents had been to high school or college. The first life-changing event occurred in 2005 when I won a full scholarship to study engineering in Singapore. The drive to prove myself then sent me on a journey through prestigious institutions, including Barclays Investment Bank, McKinsey, and Dartmouth College. While I always felt like an outsider in these institutions, the journey eventually led me to build Alaan. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/parthiduraisamy", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cf8cfbfbaa49d8a8cad2386f8716d4b1c332ea51.jpg" }, { "user_id": 852569, "full_name": "Karun Kurien", "title": "Founder", "founder_bio": "Karun started his career as a software engineer and then spent a few years consulting with McKinsey Digital. Most recently, he has focussed on building products for startups. He now leads product and tech. at Alaan.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karun-kurien-3020504b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b9289971008f7b17874f5215aa809b40c39ba640.jpg" } ], "jobs": [ { "id": 97235, "title": "Customer Experience Specialist", "url": "https://www.ycombinator.com/companies/alaan/jobs/EhKvazF-customer-experience-specialist", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "₹800K - ₹1.3M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102018, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/alaan/jobs/4yrhOC3-senior-backend-engineer", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹3M - ₹4.5M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Alaan receives key in-principle approval from the Central Bank of the UAE for SVF and RPS licences | Khaleej Times", "url": "https://www.khaleejtimes.com/kt-network/alaan-receives-key-in-principle-approval-from-the-central-bank-of-the-uae-for-svf-and-rps-licences", "date": "Sep 02, 2026" }, { "title": "Alaan launches UAE's first AI-native business bank account, powered by ruya", "url": "https://gulfnews.com/business/corporate-news/alaan-launches-uaes-first-ai-native-business-bank-account-powered-by-ruya-1.500577347", "date": "Jun 16, 2026" }, { "title": "AI-powered fintech Alaan raises $48M, one of the largest Series A rounds in MENA | TechCrunch", "url": "https://techcrunch.com/2025/08/05/ai-powered-fintech-alaan-raises-48m-one-of-the-largest-series-a-rounds-in-mena/", "date": "Aug 05, 2025" }, { "title": "Homegrown UAE startup ranks No. 1 globally for expense management on G2", "url": "https://gulfnews.com/friday/friday-partner/homegrown-uae-startup-ranks-no-1-globally-for-expense-management-on-g2-1.1714060677391", "date": "Apr 24, 2024" }, { "title": "Visa and Alaan Partner on Expense Management in Middle East", "url": "https://www.pymnts.com/spend-management/2024/visa-and-alaan-partner-on-expense-management-in-middle-east/", "date": "Mar 28, 2024" } ], "launches": [] }, { "id": 27986, "name": "Rally Tax", "slug": "rally-tax", "former_names": [ "Trade94", "iNri", "Trade94", "Inri", "iNRI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/17a3819aca58bd07bb9f186d6233961e242ceff9.png", "website": "https://www.rally.tax/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "For millions of Americans, taxes are far more than a simple W-2. Managing investments, property, or a side business creates a world of complexity that makes DIY software risky, while traditional CPA help is often slow, expensive, and reactive. This broken system causes anxiety and leaves billions in potential savings on the table every year.\r\n\r\nRally is the modern solution for tax peace of mind. We are an AI-powered tax platform that provides proactive, year-round strategic guidance, not just seasonal filing. Our unique approach combines a smart platform that automates 80% of the manual work with a team of in-house experts to provide strategic advice. We deliver the expertise of a private advisor with the convenience and access of a modern tech company.\r\n\r\nOur vision is to use the trust we earn in taxes to become the definitive financial co-pilot for our customers. We will expand from tax strategy into a full suite of services that helps millions of people proactively manage and optimize their entire financial future.", "one_liner": "AI-native tax platform to save $1T+ for Americans", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677795325, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech" ], "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/rally-tax", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/rally-tax.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/rally-tax/", "x_url": "https://x.com/rallytax", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/17a3819aca58bd07bb9f186d6233961e242ceff9.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": 840851, "full_name": "Hemant Gangolia", "title": "Founder", "founder_bio": "Building Rally Tax, AI-native US tax advisory for individuals.\n\nPreviously, Hemant has built large scale systems at Meta, Walmart and consulted C-Suite while at McKinsey & Company. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hemantgangolia/", "x_url": "https://twitter.com/hemantgangolia", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c0d7f0c3267a02015478d7ea3bb1330bc4aa26a1.jpg" } ], "jobs": [], "news": [ { "title": "Partaking in India’s economic boom - indica News", "url": "https://indicanews.com/partaking-in-indias-economic-boom", "date": "Jun 24, 2024" } ], "launches": [ { "id": 95419, "title": "Rally - The AI Co-Pilot for Proactive Tax Strategy", "tagline": "Stop just filing your taxes. Start strategizing and save $$$.", "body": "Hey everyone, [Hemant](https://www.linkedin.com/in/hemantgangolia/) here — Founder & CEO of Rally Tax.\n\n### 🔴 **Problem**\n\nIf you paid **$50K+ in taxes** last year, you know the pain. You’re probably navigating complex equity (RSUs, ISOs), multiple 1099s, capital investments, K1s, and maybe even foreign income.\n\nYou’re stuck in a \"missing middle\":\n\n* **DIY software (TurboTax)** is too risky. You’re almost guaranteed to make a costly mistake.\n* **Traditional CPAs** are slow, expensive, and reactive. They're just _filers_, not _strategists_, so you're overpaying by thousands and don't even know it.\n\nhttps://youtube.com/shorts/CTFwxZ8TCdw?feature=share\n\n### 💚 **Solution**\n\nRally is the AI-powered tax advisory platform for anyone with a complex tax situation. We’re replacing the broken, reactive CPA model with a proactive, year-round subscription.\n\nWe combine a powerful AI platform that automates 80% of the manual work with elite, in-house CPAs. This allows us to deliver high-value strategic advice (like QSBS planning, CRTs, and solar tax credits) at a transparent, flat fee.\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/1ebcc573-0ccd-4186-a9db-95d55782b4ee)\n\n### 🚀 **Our Story & Mission**\n\nI previously worked at Meta. I founded Rally because of the pain I personally felt when I got my first big RSU tax bill. I was shocked, confused, and couldn't find a CPA who would give me proactive advice—only a bill _after_ it was too late.\n\nWe validated this at my last company, iNRI, where our tax pilot for **250+ high-income clients (generating $90k)** proved this problem is universal.\n\n**Our mission** is to stop people from overpaying on their taxes just because they lacked the right strategy. We're building the proactive, transparent financial co-pilot we wish we'd had.\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/a0b68e9f-6a32-4a3f-87d4-e9d276f0bdf7)\n\n\n### 📹 **Demo: The 60-Second AI Tax Plan**\n\nOur first launch is a **free AI-generated tax plan in 60 seconds.**\n\nInstead of paying a CPA $500+ and waiting two weeks, you can securely link your accounts or estimate your situation. Our AI analyzes your data and builds a personalized plan showing the exact strategies you can use and how much you could save.\n\n**1. Generate tax plan**\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/d1fa175c-b1c0-4a0a-bc06-20a563ba96ec)\n\n**2. Ask AI, about your tax plan**\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/3a0d485a-b7d7-4f69-8bc6-41a23f93745d)\n\n**3. Download FREE tax plan**\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/462e5b00-365b-4eda-a73c-a8d2944d552d)\n\n### ‼️ **Why Now?**\n\nA perfect storm is hitting the tax industry:\n\n1. **AI Maturity:** For the first time, AI can automate the complex analysis that only human experts could previously do.\n2. **The Great CPA Retirement:** 75% of CPAs are nearing retirement, creating a massive supply crisis for expert advice.\n3. **Market Need:** Complex equity and investments are now mainstream for millions, who are all being underserved.\n\n### 🙏 **Our Ask**\n\n1. **Try it!** If you paid over $50K in taxes (and wish you could keep more of what you earn), try our **free AI Tax Plan** and give us feedback: https://www.rally.tax/\n2. **Share with your network:** We all pay taxes, and wouldn’t it be wonderful to help a friend, too!\n3. **Partnerships:** Intros to leaders at tech companies. We’re building a powerful B2B channel to offer Rally as a financial benefit.", "url": "https://www.ycombinator.com/launches/Op1-rally-the-ai-co-pilot-for-proactive-tax-strategy", "votes": 42, "created_at": "2025-11-12T15:44:10.659Z" }, { "id": 76931, "title": "iNRI: Wealthfront for 32M Indians living abroad", "tagline": "Investing in India ‍made easy for Indian expats", "body": "Hi all, \n\nWe’re Hemant and Nishad, building iNRI, Wealthfront for 32M Indian expats abroad. \n\nIndia is set to be the fastest-growing major economy and Indian expats have a unique opportunity to invest in this dynamic growing market. However, for an Indian expat looking to invest in India, it is still a daunting experience, with multiple operational hurdles, and complex tax and repatriation regulations.\n\nInri solves these challenges by providing a seamless investment platform with personalized wealth advisory and tax compliance services.\n\nHere’s a short video explaining what we do:\n\n[ ](https://www.youtube.com/watch?v=NyABkOht-pI)\n\n### **Our journey so far:**\n\nSince inception in March 2023, we have crossed over $150K invested capital from 3000+ users across 30+ countries including the US, Canada, UK, and Australia.\n\n![uploaded image](/media/?type=post&id=76931&key=user_uploads/1132289/e12122fa-88ae-470d-a293-9fb9f45b3db7)\n\nWe provide 3 key solutions that non-resident Indians need to invest in India:\n\n1. **Faster and digital onboarding:** Existing processes require either physical paperwork or even in-person visits in India. In comparison, you can get started with iNRI in just 5 mins, completely online.\n\n ![uploaded image](/media/?type=post&id=76931&key=user_uploads/1132289/ef9d25fd-081f-4b81-8b7a-b3ab168c158a)\n\n2. **Curated portfolios:** If you have been living outside for a few years, you don't know where to invest. Our smart investing tool _(image below)_ helps you generate a funds basket based on your investment horizon, capital allocation, and risk appetite.\n3. **Cross-border compliance:** Navigating taxes across two countries is hard, which is why we have a network of CAs, CPAs, and experts in cross-border taxes to help you.\n\n \n\n![uploaded image](/media/?type=post&id=76931&key=user_uploads/1132289/1463ada0-855f-42cd-98dc-97c038ca83c1)\n\niNRI’s vision is to become a one-stop platform for the Indian expat community of all things money in India.\n\n### **Why Us**\n\nWe (Hemant and Nishad) have both seen these problems firsthand through our own experience and that of our friends looking to invest in India. We’re committed to solving it for the broader Indian expat community around the world.\n\nWe are both alumni of IIT Bombay and IIM Ahmedabad and have a decade of experience working at McKinsey, BCG, Meta, Walmart, and HSBC.\n\nIf you’re an Indian expat looking to invest in India, check us out [here.](https://bit.ly/3v0Ob4P)", "url": "https://www.ycombinator.com/launches/K0p-inri-wealthfront-for-32m-indians-living-abroad", "votes": 26, "created_at": "2023-12-15T18:31:01.299Z" }, { "id": 69944, "title": "Inri - Wealthfront for Indian expats", "tagline": "Investment platform for Indian expats to diversify capital in India", "body": "Hey everyone - We’re [Hemant](https://www.linkedin.com/in/hemantgangolia/) and [Nishad](https://www.linkedin.com/in/nishad-shah-7776897a/) from [Inri](https://www.goinri.com/?utm_source=yc&utm_medium=post&utm_campaign=launch). Inri helps Indian expats (NRIs) to invest in personalized portfolios of Indian index & debt funds with hassle-free repatriation and tax compliance.\n\n![uploaded image](/media/?type=post&id=69944&key=user_uploads/840851/fa45867a-93b7-4c0a-8935-a8caf5af3d9b)\n\n### **TL;DR**\n\nIndia is set to be one of the fastest growing major economies and Indian expats have a unique opportunity to invest in this dynamic growing market. As an Indian expat looking to invest in India, investing in India is a daunting experience, with multiple operational hurdles, complex tax and repatriation regulations.\n\nInri solves these challenges by providing a seamless investment platform comprising of personalized wealth advisory and compliance services.\n\n### **The Problem**\n\nInvesting in India from abroad is broken due to multiple reasons:\n\n1. Lack of awareness - Indian expats often don’t know where to start, what to choose and how to personalize from a plethora of available investment options\n2. High complexity - Being compliant from a taxation and repatriation perspective needs a lot of regulatory knowledge\n3. Physical paperwork - A lot of processes still require paper documents and in-person presence, which makes it impossible to invest hassle-free\n4. Inefficiency - Existing India based funds listed abroad don’t track the Indian market well, leading to an underperformance of as high as 15% over 5 years.\n\n### **The Solution**\n\n![uploaded image](/media/?type=post&id=69944&key=user_uploads/840851/f2f9cd57-a1e8-47d1-8507-b21792c75bcd)\n\nInri helps you navigate through these hassles with a simple platform that curates personalized baskets based on your risk appetite, along with services like easy repatriation and tax compliance.\n\nInri provides\n\n* Personalized baskets curated from 8000+ available mutual funds based on your risk preferences\n* Complimentary Taxation & Repatriation Support to help you get done with taxes under 1 day for both India and your home country\n* Faster Onboarding as Inri partners with leading banks to get your accounts opened faster\n* Educational content to enhance awareness about Indian economy and regulatory processes\n\nInri’s vision is to become a one-stop platform for the Indian expat community of all things money in India.\n\n### **Why Us**\n\n![uploaded image](/media/?type=post&id=69944&key=user_uploads/840851/61f93da0-8854-43b1-a3a4-ead608782e4d)\n\nWe (Hemant and Nishad) have both seen these problems first hand through our own experience and that of our friends looking to invest in India. We’re committed to solving it for the broader Indian expat community around the world.\n\nWe are both alumni of IIT Bombay and IIM Ahmedabad, and have a decade of experience working at McKinsey, BCG, Meta, Walmart and HSBC.\n\n### **Launch Deal**\n\nGet lifetime free access when you invest by August 31, 2023", "url": "https://www.ycombinator.com/launches/IC8-inri-wealthfront-for-indian-expats", "votes": 183, "created_at": "2023-03-04T19:04:11.878Z" } ] }, { "id": 27987, "name": "Shekel Mobility", "slug": "shekel-mobility", "former_names": [ "Shekel Mobility Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/317b78e8b020f4585c1d370268635374dbd5c4a4.png", "website": "https://www.shekelmobility.com/", "all_locations": "Lagos, LA, Nigeria; San Francisco, CA, USA", "long_description": "Our platform helps car dealers find, finance and sell more cars in the $30B African used Car market.\r\n\r\nWe are building the largest auto dealership ecosystem ; powering $10Bn transactions annually\r\n\r\n", "one_liner": "B2B marketplace for Auto Dealers in Africa", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1670346791, "tags": [ "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "United States of America", "Africa", "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": "Neobank and Trading platform for car dealerships" }, { "question": "How long have each of you been working on this? How much of that has been full-time? Please explain.\n", "answer": "Over 20 months now, First 15 months was part time but we are all full time now." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/shekel-mobility", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/shekel-mobility.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/76083486/admin/", "x_url": "https://twitter.com/ShekelMobility", "fb_url": "https://www.facebook.com/profile.php?id=100086445672632", "cb_url": "https://www.crunchbase.com/organization/shekel", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/317b78e8b020f4585c1d370268635374dbd5c4a4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/f4f81ae14a1d7a5bb67edecc2c8ddc25c779ec70.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 910214, "full_name": "Benjamen Oladokun", "title": "Founder", "founder_bio": "Benjamen is Founder of Shekel Mobility. \nBen founded his first successful business at 17 and has since led teams to launch products that have impacted the mobility sector in SSA and generated several million of dollars. An experienced growth hacker and an experienced entrepreneur. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benjamen-oladokun-74b19676", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837dbf5a72f21d1ff084e6c29230553165c6be72.jpg" }, { "user_id": 1006099, "full_name": "Valentine Mayaki", "title": "Founder", "founder_bio": "A rockstar engineer who has over 10 years of experience and has built scalable application for various sectors especially fintech. He has worked for companies like Nextravel, Andela etc.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/valentine-mayaki", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ff26dced8551b1f55bb90a718223d7f4205759d5.jpg" }, { "user_id": 1015101, "full_name": "Sanmi Olukanmi", "title": "Founder", "founder_bio": "Sanmi is an experienced mobility entrepreneur and the\nco-founder and Chief Executive Officer at Shekel.\nOver the last 10 years, Sanmi has founded and exited\nenterprises with an average USD 900K ARR in the\nautomotive industry overseeing sourcing, business\nStrategy and growth.\nSanmi studied Engineering Physics at Obafemi Awolowo\nUniversity.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sanmi-olukanmi-25878837", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d28845a09e97e761a4a6230df997f2d0f1c4498.jpg" } ], "jobs": [], "news": [ { "title": "Shekel Mobility, a B2B marketplace for auto dealers in Africa, raises $7M led by Ventures Platform and MaC VC | TechCrunch", "url": "https://techcrunch.com/2023/11/13/shekel-mobility-a-b2b-marketplace-for-auto-dealers-in-africa-raises-7m-led-by-ventures-platform-and-mac-vc/", "date": "Nov 13, 2023" }, { "title": "Meet Shekel Mobility, the fintech powering car dealerships in Africa. | TechCabal", "url": "https://techcabal.com/2023/02/13/meet-shekel-mobility-the-fintech-powering-car-dealerships-in-africa/", "date": "Feb 13, 2023" }, { "title": "Shekel Mobility raises $1.95m for expansion - AIM Group", "url": "https://aimgroup.com/2023/02/09/shekel-mobility-raises-1-95m-for-expansion/", "date": "Feb 09, 2023" }, { "title": "Shekel Mobility, the neobank and trading platform for car dealers in Africa", "url": "https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwjm6tucg4n9AhWkXvEDHYsXCLgQFnoECCUQAQ&url=https%3A%2F%2Ftechcabal.com%2F2023%2F01%2F30%2Fshekel-mobility-the-neobank-and-trading-platform-for-car-dealers-in-africa%2F&usg=AOvVaw2Eq-WyFykSHZ9Scah4SKDI", "date": "Jan 30, 2023" }, { "title": "Shekel Mobility, a Nigerian mobility fintech startup, raises $1.95 million in pre-seed funding. - Tech In Africa", "url": "https://www.techinafrica.com/shekel-mobility-a-nigerian-mobility-fintech-startup-raises-1-95-million-in-pre-seed-funding/", "date": "Jan 25, 2023" } ], "launches": [ { "id": 67732, "title": "Shekel Mobility , the neobank and trading platform for car dealers in Africa", "tagline": "Meet Shekel Mobility, A platform that offers a simpler, smarter and faster way to launch and grow your car dealership locally or virtually.", "body": "Hello Everyone,\n\nMeet, [Shekel Mobility](https://shekelmobility.com), a simplified financing & operating system for car dealers in Africa, founded by [Benjamen](https://www.linkedin.com/in/benjamen-oladokun-74b19676/?miniProfileUrn=urn%3Ali%3Afs_miniProfile%3AACoAABALcasBdPDh2pm1VadGzbDN4-_Dg8_xSaoypark-stipop/), [Sanmi](https://www.linkedin.com/in/sanmi-olukanmi-25878837/) and [Valentine](https://www.linkedin.com/in/valentine-mayaki/). We share over 15 years of friendship, mobility and technology background and remain committed to a common vision to drive business optimisation for every car dealer in Africa.\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/2cb5be47-a58b-43a8-b247-0928741b7654)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/227bf16b-d243-4191-bca7-8d7010a8f7a6)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/071f0309-8a9c-4dca-8bcf-4df2129e6685)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/2765a61d-9959-40f8-bc15-87aec13bf1ce)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/236796e3-b7bf-487e-a1fb-b773c26845e2)\n\n**Shekel Mobility dealers have been able to triple their sales by growing their inventory through access to our affordable finance.**\n\nWe are happy to engage strategic partners on this ambitious but exciting journey of building the largest Auto dealership ecosystem powering $10Billion dollars by the year 2025.\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/c234e2a6-2df2-4265-a3c5-ef60d6ae2d88)\n\nRegards.", "url": "https://www.ycombinator.com/launches/HcS-shekel-mobility-the-neobank-and-trading-platform-for-car-dealers-in-africa", "votes": 22, "created_at": "2022-12-06T17:50:53.661Z" } ] }, { "id": 28007, "name": "Milio", "slug": "milio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "website": "http://www.miliopay.com", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails.\r\n\r\nWe provide our solution through two Plug and Play integrations:\r\n\r\nPID payment button:\r\nEnd-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates.\r\n\r\nTechnology: API, SDK, Checkout UI.\r\n\r\nImmediate disbursement:\r\nSingle API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet.\r\n\r\nTechnology: API, Dashboard UI.", "one_liner": "B2B-2C real-time account to account payments", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673542221, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/milio", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/milio.json", "year_founded": 2022, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/miliopay/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/milio-393b", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/60/1680799135436-tyh0f5mrzt-de7511999ed7641c9bcd403305b64755/1b09459c9210f24c013b7a840e95a33b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022712Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=ffdec85869a688172eac56ae4eb9062fb4d24cfd158205fdd9b0f95d931e1fbe", "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b20bb1ba0e9203f20c1a1bf33ed0550679acab62.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 627782, "full_name": "Toni Riera", "title": "Founder", "founder_bio": "Operator and investor with 10+ years scaling fintechs and marketplaces across LatAm, Europe, and the US. Co-founder of Milio (YC W23, B2B payments and treasury SaaS). Previously at SumUp (Director Expansion LatAm), Uber (GM Delivery, Andean Region), and BCG (Consultant, Financial Services & GTM). ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/triera/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/df194b0a0456f9b1a79a86d50b121b0e908fa7eb.jpg" }, { "user_id": 1159255, "full_name": "Daniel Gomez", "title": "Founder", "founder_bio": "Product Manager and Strategist, UX freak, and Project Manager. Passionate about building digital projects from the ground up across different industries, including Fintech, Mobility and Healthcare. I'm currently building a comprehensive lending and payments infrastructure solution for the B2B commerce in Latin America. When I'm not designing prototypes and workflows, I love skateboarding and spending time at the beach with my daughter.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-gómez-86954a58/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d04cb164083c06fc0c9200671f69cbd5a4df379b.jpg" }, { "user_id": 1159270, "full_name": "Juan Luis Perez E", "title": "Founder", "founder_bio": "Co-founder and CEO at Milio", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-luis-perez-escobar-079869104", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ac98b7b340ad43371fb25e61b6cb2d2bf91af85b.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69870, "title": "Milio - B2B payments infrastructure for emerging markets", "tagline": "Milio is building B2B payments infrastructure for emerging markets, domestic and cross-border, with an embedded B2B-commerce checkout. Real-time and saving up to 80% of transaction costs.", "body": "**TL;DR:** Milio is building **B2B payments infrastructure for emerging markets, domestic and cross-border**, and connecting it to legacy ERPs through one single API. Milio's platform allows faster money movements, real-time access to data, and treasury automations through efficient workflows and seamless account-to-account domestic and cross-border payments. Real-time and 80% cheaper.\n\n### **The problem**\n\nIn Latin America, **legacy B2B payments infrastructure** doesn’t allow automated transaction initiation and costs up to 3% through local ACH networks and credit card processing fees. Cross-border payments rails are expensive and inefficient, with up to 5% FX spreads. \n\nIn addition, **no single checkout is built for the B2B-commerce**; and legacy **ERPs are siloed from the payments infrastructure**, involving long treasury workflows and over 20h/week in manual work.\n\n### **Milio’s solution 💡**\n\nMilio enables real-time **B2B account-to-account payments, both domestic and cross-border**, that are **real-time** and save up to 80% of transactions cost and FX rates. Our API provides an **embedded checkout for B2B-commerce** and connects it to legacy ERPs, enabling automated treasury workflows that save our customers over 10h per week in manual work.\n\nOur customers can now access affordable money movements, real-time data, and a **unique B2B checkout experience** that increases conversion rate by 2x. \n\n### **How does Milio work? ✅**\n\nMilio is building an account-to-account payments infrastructure across all of Latin America, both domestic and cross-border, that enables real-time payments (T+0) and the best B2B checkout experience. Our customers can automate how they pay, get paid, and reconcile their ledger, saving up to 80% in transaction costs and over 10h per week in manual work.\n\nThey can also offer the best checkout experience to their business customers by enabling account-to-account one-click real-time payments at checkout, designed explicitly for B2B transactions, increasing conversion rates by 2x.\n\n![uploaded image](/media/?type=post&id=69870&key=user_uploads/627782/948bba8a-dbe6-4e7e-ac5e-6e4f51024772)\n\n### **Why are we working on this?**\n\nExchanging money and accessing premium financial services for local enterprises in LatAm is a nightmare. This is experienced every day by business owners across the region, including the co-founders who have spent time working for large payment fintechs and owning SMBs across the region. We firmly believe that helping those local enterprises and entrepreneurs ­means helping any economy to thrive and grow to its maximum potential. We are committed to solving this problem.  **💥** **Milio was the first Milio client! 💥**\n\n![uploaded image](/media/?type=post&id=69870&key=user_uploads/627782/5c6ed840-bc0b-4fa3-a0fe-b7986a0056fd)\n\n### **Our ask 🙏🏻**\n\n* **Please contact us at**: [founders@miliopay.com](mailto:founders@miliopay.com)", "url": "https://www.ycombinator.com/launches/IAw-milio-b2b-payments-infrastructure-for-emerging-markets", "votes": 390, "created_at": "2023-03-02T15:10:58.102Z" } ] }, { "id": 28077, "name": "Corgi Labs", "slug": "corgi-labs", "former_names": [ "CorgiAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ab8ae360dddc3659ad06077db5d3349b75b91f.png", "website": "https://www.corgilabs.ai", "all_locations": "Singapore, Singapore", "long_description": "End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates.", "one_liner": "AI to increase payment acceptance and reduce fraud for businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1677769779, "tags": [ "Payments", "Analytics", "E-commerce", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": [ { "question": "What is your company going to make? Please describe your product and what it does or will do.", "answer": "End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/corgi-labs", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/corgi-labs.json", "year_founded": 2022, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/corgiai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ab8ae360dddc3659ad06077db5d3349b75b91f.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/60/1680797717037-b3zrie54je5-a536a7c3970623624f5cc8afa2567756/235544e43fbad7d99d2453d70ba407c8.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022712Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=c25cdb58e907eb0a6723b9f38d62f5d1afe79894866f3512bb2e2402c32fa60b", "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 814645, "full_name": "Saif Farooqui", "title": "Founder", "founder_bio": "Saif is the founder of Corgi Labs, where he builds modern fraud and payments intelligence for fast-growing businesses. Previously, Saif was a Data Scientist at Stripe, Google and Facebook (now Meta), and a healthcare economist in an earlier life.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sfarooqui1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f2ad4d600f7b49b35fd5a55c920cd563d9bc8281.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 28088, "name": "Waza", "slug": "waza", "former_names": [ "Waza Technologies Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.png", "website": "https://waza.co/", "all_locations": "Lagos, LA, Nigeria", "long_description": "Waza is the B2B platform for global payments and emerging market trade. We make it easy and affordable for businesses with no access to USD to fulfil their global payment obligations, treasury and liquidity needs. ", "one_liner": "B2B payments platform for emerging markets.", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1673373183, "tags": [ "Fintech", "Payments", "B2B", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "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/waza", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/waza.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/wazahq", "x_url": "https://x.com/waza_hq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.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": 1196020, "full_name": "Maxwell Obi", "title": "Founder", "founder_bio": "Maxwell is a 2x founder and experienced FinTech entrepreneur. Before Waza, he served as the Global Head of Business at Sendwave (W12) - which got acquired by Worldremit for $500M. While there he navigated partnerships and regulatory relationships in Africa, Asia and Latin America. Prior to that, he was the Co-founder of Amplify, a Nigeria-based FinTech which got acquired by Carbon in 2019. Maxwell has a background in Software Engineering and holds a Degree in Computer Science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxwellobi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/342a2e097c7b1964a103fb53c687c34aa034a359.jpg" }, { "user_id": 506638, "full_name": "Emmanuel Igbodudu", "title": "Founder", "founder_bio": "Emmanuel is a software engineer with strong experience building financial technology products. Betore Waza, he was a senior engineer at Revolut in London helping to build the vaults product. Prior to Revolut he had held leading roles at Fairmoney, Carbon and TeamApt (now Moneypoint)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emmanuel-igbodudu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/71db6c7173c23fa3d2216cc194de918b449a277d.jpg" } ], "jobs": [], "news": [ { "title": "Waza comes out of stealth with $8M to power global trade for African businesses | TechCrunch", "url": "https://techcrunch.com/2024/08/19/waza-comes-out-of-stealth-with-8m-to-power-global-trade-for-african-businesses/", "date": "Aug 19, 2024" } ], "launches": [] }, { "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": 28094, "name": "Constant", "slug": "constant", "former_names": [ "Jottix" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0f3c94a7859923f3ba272902a34a8093dda07dd.png", "website": "https://useconstant.com", "all_locations": "San Francisco, CA, USA", "long_description": "Institutional-grade AI, replicating a team of top analysts.", "one_liner": "AI Analysts for the Buy-Side", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1677744392, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/constant", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/constant.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/useconstant", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0f3c94a7859923f3ba272902a34a8093dda07dd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 690279, "full_name": "Ben Sender", "title": "Founder", "founder_bio": "Ben previously worked at Silver Point, a hedge fund run by the former heads of Goldman Sachs Special Situations, Goldman High Yield Credit and Goldman Bank Loans. Before Silver Point, Ben worked at J.P. Morgan, Blackstone and T. Rowe Price. He graduated Summa Cum Laude from Princeton, where he studied economics, computer science and philosophy. His thesis was advised by former Princeton President Harold Shapiro, and was presented to former Fed Chairman Ben Bernanke.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ben-sender-272813a4", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/258ffa5227188f15e83bd59da708425a591de57f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 28116, "name": "Wallbit", "slug": "wallbit", "former_names": [ "Wallbit LLC", "Wallbit Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "website": "https://wallbit.io", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.", "one_liner": "Neobank for global remote workers", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1677044894, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wallbit", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/wallbit.json", "year_founded": 2022, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://linkedin.com/company/wallbit", "x_url": "https://twitter.com/wallbit_app", "fb_url": "https://instagram.com/wallbit.app", "cb_url": "https://www.crunchbase.com/organization/wallbit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1ea575d0ca342402c06822ed38a98cd026cd75c3.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1021346, "full_name": "Rodrigo Vidal", "title": "Founder", "founder_bio": "CEO @ Wallbit", "is_active": true, "linkedin_url": "https://linkedin.com/in/rodrigovidal05", "x_url": "https://twitter.com/rodrividal_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/647ac9c6fb6e9a98473e24c1bd0c54a1d10b13de.jpg" }, { "user_id": 1021392, "full_name": "Tomas Bruzza", "title": "Founder", "founder_bio": "Head of Product @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasbruzza/", "x_url": "https://twitter.com/tomasbruzza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0602cf95549e2e2310fec7b236877649a7d726c0.jpg" }, { "user_id": 1238147, "full_name": "Braian Fritz", "title": "Founder", "founder_bio": "Software Architect @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/braian-nicolas-fritz-887966144/", "x_url": "https://twitter.com/braian_fritz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95b5d6bf741d1208ba0e7e8da2952c9b64be85d9.jpg" }, { "user_id": 1021372, "full_name": "Martin Gira", "title": "Founder", "founder_bio": "CTO @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martintg", "x_url": "https://twitter.com/martin_tito_99", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/acd37c71a62471c69176bfbf3f8c683b19afc504.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 84746, "title": "Wallbit: US banking for global remote workers", "tagline": "Meet Wallbit; US bank account, card and investments for non-US residents", "body": "**Wallbit: The All-in-One Neobank for Global Remote Workers**\n\nWe’re excited to introduce you to the new version of Wallbit: your US banking app from anywhere in the world—without ever stepping foot in the US.\n\n### **FOR INDIVIDUALS:**\n\n* **US Checking Account**: Open a fully functional US checking account 100% remotely. No need for costly travel or lengthy paperwork.\n* **US Debit Card**: Spend globally with a US debit card linked directly to your Wallbit checking account.\n* **Investment Accounts**: Access US stocks and ETFs with ease, giving users the ability to invest and grow their wealth.\n* **Cash Management**: Earn competitive yield on your cash with low-risk options designed for stability and growth.\n* **Instant Withdrawals to Latin America**: Send money back home in seconds, saving up to 5% and many days compared to traditional remittance methods.\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/47f1952f-aabe-4657-bf81-1e36a3022634)\n\n### **For Businesses:**\n\nOur new **Business Portal** allows companies to easily pay to all their contractors without incurring in swift bank transfers or paying high fees to other intermediaries. With no cost, businesses can now \"bankarize\" all their contractors, open US bank accounts to all of them and manage their payroll seamlessly in Wallbit or their own business banking (aka Mercury, Brex, etc.)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! If your company is interested in using our business portal, or if you’d like to just chat and learn more, you can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/2e7f1aff-2d18-4c75-b6e3-4794e53d06e3)\n\n", "url": "https://www.ycombinator.com/launches/M2s-wallbit-us-banking-for-global-remote-workers", "votes": 6, "created_at": "2024-10-14T22:34:11.128Z" }, { "id": 69714, "title": "Wallbit: Neobank in the US for global remote workers", "tagline": "Meet Wallbit, a Neobank for non-US residents that also supports crypto and local currency withdrawals", "body": "**TL;DR:** Wallbit is a Neobank for global remote workers. We give non-US residents a bank account in the US where they can receive their income, and withdraw in crypto and local currencies around the world.\n\nHey everyone 👋, we are happy to introduce Wallbit!\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/74112f3e-dbd6-4d80-b025-6b4e6c217aac)\n\n**🙃 The Problem:**\n\nAs an international worker, you have to figure out ways to receive payments and withdraw money locally. Some banks in Latin America don’t even support US dollars, and the **US financial products are not so accessible if you don’t live there!**\n\n**🌎 The Solution:**\n\n**⚡ One-Stop Neobank for all the needs of remote workers ⚡**\n\nWallbit not only helps you receive payments, but also helps you get immediate liquidity. **Imagine receiving an ACH/Wire bank transfer from your client/employer in your Wallbit account, and then having those funds available in your bank account in your country in just 5 minutes…** sounds good, right? That’s exactly what we do.\n\nNow, take a look to the rest of our features:\n\n1. Receive ACH/Wire and Swift bank transfers ✅\n2. Receive payments from payroll platforms like Deel, OnTop ✅\n3. Convert and withdraw in crypto or local currencies ✅\n4. Get access to a virtual US debit card ✅\n5. Invest in the stock market and US treasuries ✅\n\nYep, all that, and it’s live already, no waitlists! Sign up in [app.wallbit.io](http://app.wallbit.io) and get access to your US bank account for free.\n\n### **💪 Why us?**\n\nWe are a team of software engineers from Argentina who have faced this problem for years while working remotely for US companies. We’re combining all that understanding of the problem with our tech expertise to fill the banking gap between the US and the rest of the world.\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/e30bd5b8-34df-4c62-b7ee-b0b0d0bb87c9)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! You can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)", "url": "https://www.ycombinator.com/launches/I8Q-wallbit-neobank-in-the-us-for-global-remote-workers", "votes": 188, "created_at": "2023-02-27T18:14:46.462Z" } ] }, { "id": 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": 28786, "name": "Accend", "slug": "accend", "former_names": [ "Accend Technology, Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31a4d8ba6cbc31b7799b329fce2d820cfe3ca234.png", "website": "https://www.withaccend.com/", "all_locations": "", "long_description": "Accend helps commercial banks and fintechs underwrite business customers faster, win more deals and increase revenue. We provide an end-to-end platform to automate document intake, financial statement / tax spreading, cash flow modeling, credit memos and portfolio management, with audit-ready AI and human-in-the-loop accuracy. Companies like Corpay, Brex, Rippling, Rho, Column, Settle, and many others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting efficiency\r\n\r\nBefore starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.", "one_liner": "AI agents for commercial underwriting at banks and fintechs", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1691559472, "tags": [ "Fintech", "Generative AI", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "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/accend", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/accend.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/withaccend", "x_url": "https://x.com/withaccend", "fb_url": null, "cb_url": null, "github_url": "https://github.com/accendhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/31a4d8ba6cbc31b7799b329fce2d820cfe3ca234.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 225420, "full_name": "Pranjal Daga", "title": "Founder", "founder_bio": "Currently, Cofounder of Accend. Previously, I led Product for AI initiatives, particularly in Risk at Brex. Before that, I dropped out of my PhD in AI/ML at Purdue University to help set up Cisco Innovation Labs where I grew the team from 1 to 35 in 4 years. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/pranjaldaga", "x_url": "https://twitter.com/pranjaldaga1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fbaed00548bb20d13e534a6e7c326bc083bbc4d.jpg" }, { "user_id": 290, "full_name": "Yutong Pei", "title": "Founder", "founder_bio": "Yutong Pei was most recently the Engineering Manager on the Fraud Risk team at Brex where he built the Disputes service, worked on fraud controls by managing engineers and data scientists. Previously, he has led Fraud Engineering and Security for IoTeX, Uber and Amazon.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yutong-pei-81006842", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f223f8a49349d20972ce7cb0c3c3d7b58a55eda0.jpg" }, { "user_id": 1375156, "full_name": "Joseph Zhou", "title": "Founder", "founder_bio": "I'm one of the Co-Founders of Accend. Previously, I served as the CFO of a mobile gaming startup with a 50M ARR. I established the company’s operation in Europe and scaled the team from 0 to 80 members.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ae93e421d85c56c052a060a85eb805cb79834c5a.jpg" } ], "jobs": [ { "id": 69182, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/accend/jobs/XxGbYZN-full-stack-engineer", "location": "San Francisco, CA, US / Remote (San Francisco, CA, US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $180K", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [ "Java", "Python", "React", "TypeScript", "TensorFlow", "Torch/PyTorch" ] }, { "id": 90944, "title": "Founding GTM (Account Executive)", "url": "https://www.ycombinator.com/companies/accend/jobs/d6ggx1f-founding-gtm-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $120K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 99081, "title": "Accend For Banking", "tagline": "AI Infrastructure for End-to-End Credit Underwriting in Commercial Banks", "body": "```\nIntroduction\n```\n\nAccend for Banking is AI infrastructure that helps banks turn financial documents into structured financial models and credit insights — from hours to minutes.\n\nBuilt for commercial banks and CRE lenders, it sits inside existing credit workflows and removes the most manual parts of underwriting, so banks can move faster and win more deals.\n\n\n\n---\n\n```\nThe Problem\n```\n\nCredit underwriting in banks is slow because it still relies on legacy systems and outdated tools that haven’t evolved in decades.\n\nAcross most banks today:\n\n* Financial documents are collected across emails, portals, and shared drives\n* Borrowers upload tax returns, financials, and supporting documents across fragmented systems\n* Data is manually extracted and spread into Excel\n* Financial models are rebuilt repeatedly for each case\n* Credit memos are written from scratch every time\n* Monitoring and covenant tracking happen separately\n\nThese workflows are:\n\n* Fragmented across systems\n* Manual and time-intensive\n* Difficult to scale without adding headcount\n* Prone to inconsistencies and errors\n\nEven as lending demand has increased, the infrastructure supporting underwriting has remained largely unchanged for decades.\n\n---\n\n```\nWhat This Means for Banks\n```\n\nThe impact of these workflows goes beyond operations — it directly affects people, speed, and business outcomes.\n\n* Analysts spend hours on data preparation instead of credit decisions\n* Turnaround times slow down lending and delay decisions\n* Banks lose deals to faster competitors\n* Productivity is lost across the workflow due to repeated manual effort\n* Scaling requires adding headcount instead of improving systems\n\nAt a time when speed matters more than ever, these constraints make it harder for banks to compete.\n\n---\n\n```\nHow Accend Helps\n```\n\nAccend brings these fragmented steps into a single, structured workflow.\n\nWith Accend:\n\n* Borrowers upload tax and financial documents through a single secure link or connect their accounting systems\n* Automated requests and reminders keep document collection moving\n* Financial documents are parsed into structured, audit-ready data in minutes\n* Detailed schedules and supporting statements are captured with high accuracy\n* Property-level data (e.g., Schedule E, Form 8825) is broken down with full visibility\n* Cash flow models are generated instantly and mapped consistently\n* Credit insights and memos are built on top of structured data\n\nThis means:\n\n* Analysts spend time on credit decisions, not data preparation\n* Turnaround times shrink from hours to minutes\n* Teams can handle more volume without increasing headcount\n* Outputs remain consistent across deals\n\n---\n\n```\nHow Accend Works\n```\n\nAccend integrates into your existing credit workflow and processes each case end-to-end:\n\n**1. Document Intake**\n\nSend a secure link to borrowers to upload tax and financial documents, or connect directly to accounting systems. Automated requests and reminders ensure completeness.\n\n**2. Data Extraction & Structuring**\n\nAccend parses full tax packages in minutes — including 1040s, 1065s, 1120s, 1120-S, and supporting schedules — and converts them into structured, audit-ready data with source traceability.\n\n**3. Detailed Financial Spreading**\n\nFinancials are standardized across income statements, balance sheets, and cash flows. Supporting statements and add-backs are surfaced automatically.\n\n**4. Modeling & Analysis**\n\nData maps instantly into cash flow models. Teams can drill into sources, override values, run ratios, and leave notes — with every change tracked.\n\n**5. Configurable Financial Models**\n\nModels are configured to your bank’s policies — personal, business, global — ensuring consistency across teams while supporting complex analysis.\n\n**6. Monitoring & Covenant Tracking**\n\nOnce underwriting is complete, covenants are tracked automatically with scheduled tests, due dates, and alerts.\n\n---\n\n```\nGet Started\n```\n\nIf you work in credit, underwriting, risk, or lending operations, Accend helps you modernize your workflow without replacing your systems.\n\n[Schedule a call with Pranjal](https://calendly.com/pranjal-accend/30min), our co-founder, to learn more.\n\nOr explore Accend for Banking → ", "url": "https://www.ycombinator.com/launches/Pm5-accend-for-banking", "votes": 6, "created_at": "2026-03-25T15:22:34.058Z" }, { "id": 91587, "title": "Accend 2.0: The Future of Credit Underwriting", "tagline": "Accend helps banks and fintechs collect, spread and analyze financial data for faster and more accurate underwriting using human-in-the-loop AI agents", "body": "Today we’re launching **Accend 2.0** — our most ambitious release yet, designed to help financial institutions modernize how they **collect**, **spread**, and **analyze** financial data for underwriting.\n\nOur goal is simple: make underwriting radically faster, more accurate, and effortless for credit teams at banks and fintechs.\n\nhttps://youtu.be/YT6u7ahsSJE\n\n```\n🧨 The Problem\n```\n\nUnderwriting commercial credit still relies on slow, manual workflows — especially when it comes to handling borrower financials.\n\nCredit teams spend days:\n\n* Chasing borrowers for PDFs, Excel files, and accounting access\n* Manually spreading financials into internal formats\n* Creating credit memos from scratch\n* Spotting anomalies by gut feel or Excel checks\n\nThis workflow is not just inefficient — it introduces real risk. Missed red flags, errors in classification, or simply moving too slowly can result in bad loans or lost deals.\n\n```\n🧑‍💻 Who Faces This Problem?\n```\n\nThis problem is felt most acutely by:\n\n* **Fintech lenders** scaling underwriting ops\n* **Banks modernizing** legacy credit infrastructure\n* **Credit risk and underwriting teams** who are overloaded and under-automated\n\n```\n💡 Our Solution: Accend 2.0\n```\n\nWith Accend 2.0, lenders get a single platform to do the following:\n\n## **1. Frictionless Financial Data Collection with Accend Link**\n\nCollecting financials from borrowers is where friction often begins. That’s why we’re launching **Accend Link** — a borrower-facing portal that streamlines data collection from day one.\n\nBorrowers can:\n\n* **Link accounting software directly** — like QuickBooks, Xero, or NetSuite\n* **Or simply upload financials manually** — PDFs, Excel, whatever works for them\n\n🧘‍♂️ No more chasing documents.\\\n🔄 No more back-and-forth.\\\n📁 Just clean, accurate data — in the format you need.\n\n---\n\n## **2. Deep, Accurate, and Customizable Financial Spreading**\n\nOnce the data is in, Accend gets to work.\n\n* **AI-powered line-item classification**\n* **Ratio calculation and benchmarking** against industry standards\n* **Full analyst control** — reclassify line items on the fly and build custom ratios tailored to your credit policy\n\n📋 No spreadsheets. No version control nightmares. Just clarity.\n\n---\n\n## **3. Next-Gen Credit Memos, Built in Minutes**\n\nThis is where Accend 2.0 truly shines.\n\nWe automatically generate **credit memos** that combine:\n\n* 📄 **Business model summaries**\n* 📰 **Real-time financial news**\n* 📊 **Financial health analysis** powered by ratio performance\n\nIt's like having your smartest analyst prepare every memo — in minutes, not days.\n\nYour team gets faster turnaround times and deeper insights — without lifting a finger.\n\n---\n\n## **4. Proactively Flag Risk with Case Signals**\n\nWe’re also launching **Case Signals**, a feature that catches issues before they become problems.\n\nWith over a dozen automated checks — including:\n\n* Reconciliation mismatches\n* Volatility spikes\n* Abnormal ratio patterns\n\nAccend flags anomalies the moment they appear — so your team can act fast and stay ahead of credit risk.\n\n```\n📞 Ready to Modernize Your Underwriting Stack?\n```\n\nIf you’re a lender, bank, or fintech working on credit workflows — we’d love to show you how Accend 2.0 can supercharge your underwriting. See it in action live [HERE](https://www.accend.io).\n\nOr reach out to me directly at [**pranjal@withaccend.com**](mailto:pranjal@withaccend.com) to discuss anything AI x Credit Underwriting. Happy to help.", "url": "https://www.ycombinator.com/launches/NpD-accend-2-0-the-future-of-credit-underwriting", "votes": 6, "created_at": "2025-06-24T16:42:02.932Z" }, { "id": 88404, "title": "Accend - AI Credit Analyst For Business Underwriting", "tagline": "Human-in-the-loop AI Agents for Financial Statement Analysis", "body": "**TL;DR:** Accend is launching a new financial statement spreading and analysis, guaranteeing 100% accuracy powered by AI and human-in-the-loop review, saving time and costs.\n\n# **Why We're Building This?**\n\nCredit teams today face a massive problem: underwriting processes remain largely manual, painfully slow, and prone to costly errors. Across financial institutions, analysts spend hours manually spreading and analyzing financial statements, slowing down approvals and inflating operational costs. This isn’t just a minor inconvenience; it's a billion-dollar inefficiency affecting banks, fintechs, insurers and lenders globally.\n\nWe knew there had to be a better way—one where accuracy meets speed.\n\n# **Introducing Accend's Financial Statement Spreading & Analysis Solution**\n\n\n\nWe are expanding Accend into Credit Analysis, starting with financial statement spreading. \n\n✔️ **AI does the heavy lifting**—spreading financials with high accuracy and generating credit memos quickly.\\\n✔️ **Human-in-the-loop**—to complement our AI analysis so you get 100% accuracy, guaranteed.\\\n✔️ **Your underwriting team moves 10x faster**—reducing costs, errors, and approval times.\n\n# **Customer Spotlight**\n\nRussell Gu, Head of Credit Risk at Slope, shares his experience:\n\n> Accend offers the best solution for data-driven credit teams looking to maximize insights from financial documents. Their API solution and onshore time zone support accelerate financial review more than 4x.\n\n# **Who is Accend for?**\n\nAccend is purpose-built for credit leaders who demand excellence: underwriting teams at financial institutions committed to driving efficiency and precision across their credit operations.\n\n# **Why It Matters?**\n\nAccend delivers measurable ROI from day one:\n\n* **100% Accuracy:** Highly accurate AI coupled with expert human in the loop analysis – every spread is reviewed and validated by expert eyes.\n* **Rapid Approvals:** Reduce your application processing times by up to 80%, accelerating credit decisions.\n* **Cost Efficiency:** Dramatically lower your cost-to-serve by automating routine tasks.\n* **AI-Powered Credit Analysis:** Generate credit memos up to 10x faster, enabling teams to focus on high-value activities.\n\n![uploaded image](/media/?type=post&id=88404&key=user_uploads/225420/00a68be6-db43-4660-85b0-68c6d7b864da)\n\n# **Ready to Experience Accend?**\n\nTo celebrate our launch, we're offering your **first financial spread and analysis completely FREE**. Email us at [pranjal@withaccend.com](mailto:pranjal@withaccend.com) or [Schedule a call](https://calendly.com/pranjal-accend/30min-demo) to experience firsthand how Accend can revolutionize your credit processes.\\\n\\\nYou can also read this story on our company blog [here.](https://www.withaccend.com/blog/accend-launches-ai-credit-analyst-faster-underwriting-human-verified-accuracy)", "url": "https://www.ycombinator.com/launches/Mzs-accend-ai-credit-analyst-for-business-underwriting", "votes": 7, "created_at": "2025-03-10T15:50:04.217Z" }, { "id": 73980, "title": "Accend: Accelerate manual reviews for Fintech Ops & Compliance teams", "tagline": "Improve Ops Efficiency & Quality + Excel in Compliance with Accend", "body": "**TL;DR**\n\nAccend accelerates manual reviews and automatically generates regulatory reports for Ops & Compliance teams.\n\nB2B Fintechs and BaaS providers utilize Accend to save hours per manual process, such as KYB applications, Disputes, Transaction Monitoring, etc. \n\nIf you work in **Ops & Compliance at fintechs, we’d love to chat with you**. Please reach out at [**founders@withaccend.com**](mailto:founders@withaccend.com)\n\n![uploaded image](/media/?type=post&id=73980&key=user_uploads/225420/7582fece-a662-4123-b052-645eadcf2166)\n\n```\nHow we know this is a problem?\n```\n\nWhen we led Product & Engineering on Risk at Brex, we collaborated with Ops & Compliance teams on a daily basis. For Ops, one of the biggest pain points was declining Ops efficiency + quality of output. For Compliance, it was maintaining healthy relationships with banking partners and regulators. The reasons behind that were:\n\n1. **Complex Processes:** Expanding customer base led to complex reviews due to diverse profiles and services, complicating the process. Moreover, manual reviews are prone to errors and inefficiencies due to overwhelming data verification tasks.\n2. **Regulatory Compliance Burden:** Adhering to changing regulations in compliance (esp in KYC) required meticulous attention to detail, slowing down reviews.\n3. **Scaling via Outsourced Ops Teams:** We noticed a skills gap in outsourced teams regarding regulations and fintech processes, impacting review quality. Training them for consistency took significant time and investment.\n4. **Time-Consuming Regulatory Reports:** Creating detailed regulatory reports like Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) demanded significant time, complicated by language and cultural challenges, subsequently influencing the clarity and level of detail.\n\nThis posed \n\n1. **Business Risk** - suboptimal customer experience at the time of onboarding and worse, rejection of a legitimate customer, thereby losing revenue. \n2. **Compliance Risk** - hefty penalties (eg: Coinbase’s $100M fine), legal consequences, significant damage to the company's reputation, and even the potential loss of banking partnerships (existential crisis alert!).\n\nWe realized _Brex wasn’t the only fintech dealing with such risks tied to manual reviews_, and we started Accend to tackle these challenges head-on.\n\n```\nOur Solution \n```\n\nOur first use case is accelerating KYB manual reviews. It includes the following features:\n\n![uploaded image](/media/?type=post&id=73980&key=user_uploads/225420/324bc297-c392-4209-af77-19146a90b3e3)\n\n**Guided Review Workflow:** Accend simplifies the KYC procedure by converting the Standard Operating Procedure into a user-friendly, step-by-step guided review process for both internal and external Operations professionals.\n\n**Streamlined Online Research:** Instead of juggling numerous browser tabs to validate information about the business and its beneficial owners/controllers, Accend consolidates data through comprehensive web searches, presenting a summary for validation by Ops professionals.\n\n**Automated Due Diligence Reports:** Traditionally, crafting a CDD/EDD report can take up to 2 hours. Accend automates this process, generating high-quality narrative reports in the company's required template, thus saving valuable Operations time on a daily basis.\n\n**Audit Logs:** Accend establishes an audit trail for actions taken by Operations professionals and the automated processes during KYC manual reviews. This eliminates the need to scour various sources, extract logs, and document them, streamlining the auditing process\n\n```\nWhy Accend?\n```\n\nWith Accend, Fintechs can\n\n* Improve Ops’ quality of output with consistent procedures\n* Increase Ops’ efficiency with automation\n* Reduce cost in managing Ops teams \n* Maintain healthy relationships with banking partners and regulators\n\n```\nWho are we?\n```\n\n[Pranjal Daga](https://www.linkedin.com/in/pranjaldaga/) was most recently the Product Manager on the Risk team at Brex where he reduced fraud losses by $20M and worked on disputes, declines, login friction, etc. Before that, he dropped out of his PhD in AI/ML at Purdue University to help set up Cisco Innovation Labs where he grew the team from 1 to 35 in 4 years.\n\n[Yutong Pei](https://www.linkedin.com/in/yutong-pei-81006842/) was most recently the Engineering Manager on the Fraud Risk team at Brex where he built the Disputes service, and worked on fraud controls by managing engineers and data scientists. Previously, he has led Fraud Engineering and Security for IoTeX, Uber, and Amazon. \n\n[Joseph Zhou](https://www.linkedin.com/in/joseph-tianshi-zhou/) was most recently the CFO of a mobile gaming startup based in Singapore with a 50M ARR. He established the company’s licensed poker operation in Europe and scaled the team from 0 to 80 members, while also managing KYC, AML, compliance, responsible gaming, and fraud prevention.\n\n```\nOur ask \n```\n\nWe’re looking to connect with Ops & Compliance leaders at B2B Fintechs and BaaS providers to explore how Accend can help them improve Ops efficiency & quality and excel on compliance.\n\n```\nLaunch YC Promo\n```\n\nWe’re offering 60 days of free pilot for new customers through the end of August. \n\nWe will work with you regularly to learn about your process, create customized guided review workflows for your company and support you in every way while you’re using Accend.\n\n**Check us out at **[**https://www.withaccend.com/**](https://www.withaccend.com/)**, drop me a note at **[**pranjal@withaccend.com**](mailto:pranjal@withaccend.com)**, or **[**schedule a demo**](https://calendly.com/pranjal-accend/accend-design-partner-program)** to get started.**\n\nThank you 🙏", "url": "https://www.ycombinator.com/launches/JFE-accend-accelerate-manual-reviews-for-fintech-ops-compliance-teams", "votes": 57, "created_at": "2023-08-09T22:21:19.072Z" } ] }, { "id": 28805, "name": "Diligent", "slug": "diligent", "former_names": [ "Paylane" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/306eaffa9ae52c97e7f7fd8c9161b13409115596.png", "website": "https://godiligent.ai", "all_locations": "London, England, United Kingdom", "long_description": "We help fintech risk and AML compliance teams automate and strengthen routine customer due diligence tasks with LLMs. Our AI assistants slash cost-to-comply, improve risk detection and free up capacity for investigations that require human expertise and decision making. \r\n\r\nFintechs and banks use us to automate workflows like running thorough due diligence on a legal entity, reviewing customer documents like registry extracts, proofs of address etc and remediating false positive alerts from their AML systems.", "one_liner": "AI agents for fintech risk and compliance operations", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706799734, "tags": [ "Fintech", "Compliance", "Fraud Prevention", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/diligent", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/diligent.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/godiligentai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/306eaffa9ae52c97e7f7fd8c9161b13409115596.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 727896, "full_name": "Edoardo Maschio", "title": "Founder", "founder_bio": "I was an investment associate and chief of staff @ Rocket Internet early-stage team. Incubated and invested multiple ventures with the fintech team. Previously worked as Junior associate @ Boston Consulting Group.", "is_active": true, "linkedin_url": "https://linkedin.com/in/edoardo-maschio-704", "x_url": "https://twitter.com/edoardo_maschio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9bbf7e727118cc2a9f7e7adc6464f082dd00183c.jpg" }, { "user_id": 1349429, "full_name": "Ahmed Gaber", "title": "Founder", "founder_bio": "I'm Co-founder and CTO at Diligent and I worked in Fintech for more than a decade.\nMost recently I was VP of engineering at Billie (Europe’s largest B2B BNPL) and led multiple engineering teams on various domains: business identification, fraud, credit, and AML risk. Previously I was a technical PM and software engineer at Funding Circle.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ahmedsamygaber", "x_url": "https://twitter.com/i_sico", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4c14ea6e2cf457d53acf7f0319eb38169b7b74b.jpg" } ], "jobs": [ { "id": 85419, "title": "Founding ML engineer", "url": "https://www.ycombinator.com/companies/diligent/jobs/qq2XJ61-founding-ml-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "£75K - £90K GBP", "equity_range": "0.50% - 1.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98850, "title": "Go-To-Market associate", "url": "https://www.ycombinator.com/companies/diligent/jobs/b4JjjoO-go-to-market-associate", "location": "London, England, GB", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$50 - $60", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Diligent AI Raises $2.5M to Empower KYC and Anti-Money-Laundering teams with AI Agents", "url": "https://www.godiligent.ai/post/diligent-ai-raises-2-5m-to-empower-kyc-and-anti-money-laundering-teams-with-ai-agents", "date": "Mar 04, 2026" } ], "launches": [ { "id": 96132, "title": "Diligent - Automate Sanction/PEP/Adverse Media alert reviews", "tagline": "KYC/AML teams use Diligent AI to reduce by 50% the time spent on AML alert handling", "body": "# **TL;DR**\n\nDiligent helps KYC/AML teams at fintechs and banks **automate the review of Sanctions / PEP / Adverse Media alerts** from their screening providers.\n\nThe agent, natively integrated with the world’s most popular AML screening providers (e.g., LexisNexis, WorldCheck, Dow Jones, etc.), reduces alert-handling time by over 50%. Trusted daily by **S&P 500 firms and global banks.**\n\nIf you’re a regulated financial institution… get in touch at [**founders@godiligent.ai**](mailto:founders@godiligent.ai).\n\n# **THE PROBLEM**\n\nSanctions, PEP, and Adverse Media screening is one of the most painful bottlenecks in KYC/AML operations. Every customer you onboard must be screened, and so must the counterparties of their transactions, to ensure no money flows to bad actors.\n\nScreening systems are essential for fighting financial crime, but they also generate a **huge volume of false positives**, especially for common names, transliterations, and partial matches. This pulls resources away from true investigations and forces analysts into repetitive work every day.\n\n# **THE SOLUTION**\n\nhttps://youtu.be/IMGAFRPFpM0\n\nWe built an **AML Screening AI Agent**: an AI agent that automatically investigates screening alerts and produces a final decision with a clear audit trail.\n\nIt works natively with all major screening providers (LexisNexis, WorldCheck, Dow Jones, etc.). Think of it as a new employee added to your account, no engineering effort required.\n\nIt opens every alert, reads hit details and articles, searches the web and other sources to enrich missing information, and recommends a disposition based on your own decisioning policy, with structured reasoning.\n\n**Result:** 40-70%+ reduction in alert-handling time, more consistent decisions, and a cleaner backlog.\n\n# **THE TEAM**\n\nWe’re [**Edo**](https://www.linkedin.com/in/edoardo-maschio-704/), [**Ahmed**](https://www.linkedin.com/in/ahmedsamygaber/?originalSubdomain=uk) and [**Chris**](https://www.linkedin.com/in/chris-leow-59856849/).\n\nAhmed led multiple teams as VP Engineering at Billie (Europe’s largest B2B BNPL), across business identification, fraud, credit, and AML risk. Previously he was a technical PM and software engineer at Funding Circle.\n\nEdo worked as an Investment Associate and Chief of Staff at Rocket Internet’s early-stage investment team and was previously a Junior Associate at Boston Consulting Group.\n\nChris was the founding member and 10yrs veteran of ComplyAdvantage - one of the world leading Anti-Money-Laundering software solutions and screening provider. He worked on their entity resolution and transaction monitoring capabilities.\n\n# **OUR ASK**\n\nIf you are a fintech or bank interested in exploring how AI agents can streamline your AML operations, or you know teams that might be interested, get in touch at [**founders@godiligent.ai**](mailto:founders@godiligent.ai) or find time to chat [**here**](https://cal.com/edoardo-maschio).\n\n\\\nYou can be up and running in a day!", "url": "https://www.ycombinator.com/launches/P0W-diligent-automate-sanction-pep-adverse-media-alert-reviews", "votes": 20, "created_at": "2025-12-11T17:43:50.529Z" }, { "id": 78512, "title": "Diligent - GenAI assistant for KYC/AML compliance operations", "tagline": "We help AML compliance teams automate routine customer due diligence tasks with Large Language Models", "body": "### **TL;DR**\n\n[**Diligent**](https://www.godiligent.ai/) **helps fintech risk and AML compliance teams automate and strengthen customer due diligence with Generative AI.**\n\nFintechs and banks use us to automate tasks like running thorough due diligence on a legal entity, reviewing customer documents (e.g. certificates of incorporation, proofs of address etc) and remediating false positive alerts from AML systems.\n\nIf you’re a fintech or bank… get in touch at [founders@godiligent.ai.](mailto:founders@godiligent.ai)\n\n### **THE PROBLEM:**\n\n**Fraud and Anti Money Laundering (AML) controls** are key parts of the fintech and banking industry but generate significant back office workload. It's 2024 and **most of the work still involves human analysts running repetitive tasks** which are costly, error prone and take time away from real investigations that can move the needle for fincrime prevention and require expertise.\n\nThese manual tasks can include things like…\n\n* checking online presence to verify the legitimacy and nature of business of a customer\n* reviewing documents like registry extracts, proofs of address and bank statements to comply with onboarding requirements\n* sitting through thousands of false positive alerts from AML systems\n\n### **THE SOLUTION:**\n\nDiligent builds **AI assistants designed to automate routine tasks**, slashing cost-to-comply, strengthening risk detection and freeing up capacity for investigations that require human expertise and decision making.\n\nOur AI assistants follow your workflow policies, integrate with existing systems and output risk intelligence or reports with a clear audit trail.\n\n![uploaded image](/media/?type=post&id=78512&key=user_uploads/727896/7970904a-f049-42f7-91fe-3b0fc3400c50)\n\n**We built 3 AI assistant archetypes**\n\n* ⚠️ _Risk assistant:_ Investigates holistically the risk and nature of business of customers and transaction counterparties. E.g. is the legal information declared verified? what does this company actually do? do website and address look suspicious? what's the online reputation on socials, reviews etc?\n* 🔍 _Screening assistant:_ Investigates automatically alerts from screening systems and slashes time spent remediating false positives on Sanctions/PEP/Adverse Media\n* 📝 _KYB assistant:_ Verifies business information and instantly validates customer uploaded documents (register extract, proof of address, bank statements etc.) according to custom acceptance policy to remove back-office verification work and avoid customer friction\n\nHere is a quick demo on how they can work together to conduct due diligence on a legal entity by investigating its legitimacy online, checking documentation, and reviewing alerts for Sanctions/PEP/Adverse Media against it.\n\n![uploaded image](/media/?type=post&id=78512&key=user_uploads/727896/78a8d2d2-27bc-4aa4-b8fd-39b03e5acaec)\n\n### **THE TEAM:**\n\nWe’re [**Edo**](https://www.linkedin.com/in/edoardo-maschio-704/) and [**Ahmed**](https://www.linkedin.com/in/ahmedsamygaber/).\n\nAhmed led multiple teams as VP engineering at Billie (Europe’s largest B2B BNPL) across business identification, fraud, credit and aml risk. Previously he was a technical PM and software engineer at Funding Circle.\n\nEdo worked as Investment associate and chief of staff at Rocket Internet early stage investment team and previously was Junior Associate at Boston Consulting Group.\n\n### **OUR ASK:**\n\nIf you are a fintech and are interested in exploring how Generative AI can streamline your risk and compliance controls… get in touch at [founders@godiligent.ai](mailto:founders@godiligent.ai) or find time to chat [**here**](https://calendly.com/edoardomaschio/30min?month=2024-02)!", "url": "https://www.ycombinator.com/launches/KQK-diligent-genai-assistant-for-kyc-aml-compliance-operations", "votes": 80, "created_at": "2024-02-18T21:00:07.591Z" } ] }, { "id": 28811, "name": "Casca", "slug": "casca", "former_names": [ "CORE Ai", "Cascading AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/db0a05cec73fa1efa5d096d33cfcc210c8930955.png", "website": "https://www.cascading.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Casca is building AGI for Banking.\r\n\r\nOur first product is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. We’ve found product market fit already serving top 10 US banks and are scaling our team very quickly.\r\n\r\nSmall businesses are the heart of the American economy. Many banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes. We unlock affordable, quick bank funding for the 30M+ small businesses in the US who would otherwise be subject to the high interest rates from predatory online lenders.\r\n\r\nWe are a world-class team of banking & AI experts from Stanford, MIT & Y Combinator. We like to win and we know that the only thing between us and the title is our own ability to improve every day.", "one_liner": "Make Banking Magical", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1691481257, "tags": [ "Conversational Banking", "Fintech", "Machine Learning", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "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": "**Banking IT is broken**: 30 year old legacy systems, failing RPA projects and millions of people doing manual repetitive work. Over years in the industry, we saw how the financial industry was struggling to deal with mountains of unstructured data and failed to live up to customer expectations. Loan applicants have to go through humiliatingly slow application processes when they really needed someone to count on (no wonder look-to-book churn rates are at 65-80%) - the mania of manual workflows has to end\\\\Money runs the world. Banks are critical and we need fresh talent to shake up a $25T industry." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "**Unlocking $1T in value for global banks** and making banking magical for billions of customers" } ], "url": "https://www.ycombinator.com/companies/casca", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/casca.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cascading-ai/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/db0a05cec73fa1efa5d096d33cfcc210c8930955.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1361486, "full_name": "Lukas Haffer", "title": "Founder/CEO", "founder_bio": "Lukas is the CEO & Co-founder of Cascading AI. He previously served as Chief of Staff for the European Market at Avaloq (a globally leading provider of core banking software with $4 Trillion in Assets managed on the platform. Lukas holds an MBA from Stanford University, where he graduated as an Arjay-Miller Scholar (top 10%).", "is_active": true, "linkedin_url": "https://linkedin.com/in/lukashaffer", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2a855142800aa28353a0259b59092eec00fa218b.jpg" } ], "jobs": [ { "id": 79577, "title": "Don't See the Perfect Fit?", "url": "https://www.ycombinator.com/companies/casca/jobs/b5IKSoC-don-t-see-the-perfect-fit", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $200K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 97521, "title": "Technical Recruiter", "url": "https://www.ycombinator.com/companies/casca/jobs/7mHU8Y2-technical-recruiter", "location": "San Francisco", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 97523, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/casca/jobs/uDbuq7M-forward-deployed-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 97524, "title": "Head of Security & Compliance", "url": "https://www.ycombinator.com/companies/casca/jobs/of4eYL1-head-of-security-compliance", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97525, "title": "Director of Customer Support", "url": "https://www.ycombinator.com/companies/casca/jobs/KAmSBwh-director-of-customer-support", "location": "San Francisco", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Series A announcement", "url": "https://www.cascading.ai/company/series-a-announcement", "date": "Aug 19, 2025" }, { "title": "FIs Explore GenAI in SMB Lending Despite Customer Concerns", "url": "https://www.pymnts.com/news/artificial-intelligence/2024/financial-institutions-explore-generative-ai-potential-small-business-lending-despite-customer-concerns/", "date": "Feb 12, 2024" }, { "title": "Cascading AI Secures $3.9 Million in Pre-Seed Funding to Revolutionize the Banking Industry with its AI-native Loan Origination System", "url": "https://www.prnewswire.com/news-releases/cascading-ai-secures-3-9-million-in-pre-seed-funding-to-revolutionize-the-banking-industry-with-its-ai-native-loan-origination-system-302058481.html", "date": "Feb 09, 2024" }, { "title": "Bankwell Bank pilots generative AI in small-business lending | American Banker", "url": "https://www.americanbanker.com/news/bankwell-bank-pilots-generative-ai-in-small-business-lending", "date": "Feb 08, 2024" } ], "launches": [ { "id": 73899, "title": "🤖 Cascading AI - Automate manual banking processes", "tagline": "Lending, account opening, customer service, back-office processing ... ", "body": "Watch our launch video [here](https://youtu.be/NFJvgmm4lIs).\n\n**tl;dr**: _Banks, credit unions, and fintechs spend billions to train and employ staff to handle complex systems and ever-growing service portfolios. Our AI agents make your teams 10x faster by navigating existing systems, surfacing the right information, and even communicating compliantly with your customers._\n\n### **🏆THE TEAM**\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/1a6a8344-6014-46dd-81da-a861bd539b7e)\n\n**Lukas Haffer** **(CEO, Stanford GSB 23)** spent the past 4 years deploying core banking systems and outsourcing banking processes as Chief of Staff for Europe at Avaloq (one of the world’s leading core banking system providers).\n\n**Isaiah Williams (CTO, Stanford CS 22)** spent the past 4 years building conversational AI and production ML applications as a Senior ML engineer at EliseAI (one of the world’s leading conversational AI companies).\n\n### \n\n### **WHAT CAN AI DO FOR BANKING?**\n\n**Lending & Onboarding**: 300,000+ loan officers spend hours on the phone or e-mail getting applicants to complete their applications before they churn to competitors - our AI agent Leo does not give up until he has all the documents he needs.\n\n> Even if we pre-qualify more applicants, we don’t close more loans - because my loan officers can only have one conversation at a time.\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/3b366876-5474-45ab-ba82-ffd1d6a6d59b)\n\n**Customer service**: 30,000+ daily service requests present an insane challenge to the staff of a mid-sized bank, trying to navigate multiple outdated systems and product categories - our AI agent Tom navigates their systems, surfaces the right information, and drafts responses to your clients.\n\n> Customer support has become an insane job - my teams need to navigate 15 different systems just to help 1 customer.\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/4cc6b719-7ac1-4321-95d1-e88f98d160d0)\n\n**Back-office**: at one bank 50,000+ payments are halted every day for reasons as simple as a typo in the recipient account ID - our AI agent Anna analyzes unstructured financial information to recommend resolutions.\n\n> Even with 99% STP-rates (straight through processing) in payments, we have to manually handle thousands of exceptions.\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/c4385ccb-a65f-4e51-9c54-0f7b8ca54a54)\n\n### **❌ THE PROBLEM**\n\nAntiquated systems and manual exception handling slow down crucial banking processes, costing banks billions. Traditional robotic process automation (RPA) could not handle unstructured information. Traditional chatbots quickly reach their limits of usefulness. And custom ML applications take months (if not years) to develop from scratch.\n\n### **✅ OUR SOLUTION**\n\n_Cascading AI agents integrate with the bank's existing IT infrastructure (in their private cloud or on-premise), learn to use their systems, and work with unstructured financial data to automate core processes._\n\n### **HOW IT WORKS**\n\n1. **Our Agents have eyes**: we use computer vision to read documents & integrate with existing systems on a UI level in addition to your APIs\n2. **Our Agents can talk**: we use conversational AI to communicate with customers or colleagues via SMS, E-Mail, Slack, Teams, secure messaging, or ticket management systems\n3. **Our Agents know banking**: we monitor agents in human-in-the-loop systems and align them with banking regulation and compliance policies\n\n### **OUR ASK**\n\n* Connect us with Banks, Credit Unions, or Fintechs looking to automate manual processes and improve customer communication.\n* Book a [demo](https://calendly.com/lhaffer/30-min-meeting?month=2023-08) or email us at [lukas@cascading.ai](mailto:lukas@cascading.ai)\n* Follow Cascading AI on [LinkedIn](https://www.linkedin.com/company/cascading-ai)", "url": "https://www.ycombinator.com/launches/JDv-cascading-ai-automate-manual-banking-processes", "votes": 21, "created_at": "2023-08-08T15:24:50.943Z" } ] }, { "id": 28842, "name": "Capi Money", "slug": "capi-money", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "website": "https://www.capimoney.com", "all_locations": "London, England, United Kingdom", "long_description": "Capi helps businesses in emerging markets make international payments. Importers in emerging markets pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in emerging markets the same price and speed as we expect in the US and Europe.", "one_liner": "Helping businesses in emerging markets make pay their international…", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690922885, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/capi-money", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/capi-money.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://linkedin.com/company/capimoney/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/6b6f411e3a5251437d731d9f146806ca81ad3d93.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1237746, "full_name": "Mitch Riley", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO of Capi Money (S23). Ex COO/CFO/GC of Taptap Send, a unicorn remittance company sending billions of dollars a year into Africa. Spent 4.5 years setting up new markets in Africa and LatAm for GiveDirectly and managing field operations. Recovering lawyer (ex Cravath)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mitchriley/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fd8fc3dff97eccab84a73a6dac7a57fda7397ed3.jpg" }, { "user_id": 1372457, "full_name": "Scott Liddle", "title": "Founder", "founder_bio": "Cofounder leading expansion at Capi Money. Previously CRO/CMO at Taptap Send, a unicorn remittance app: launched 25 markets across Africa, Asia and LatAm. Founded SpareHand volunteer platform in the UK: 1M meals delivered in Covid. Special Advisor to Rory Stewart, UK Secretary of State for International Development. Regional Director at Turquoise Mountain managing ~200 ppl across Middle East and Afghanistan. Speaks half a dozen languages.", "is_active": true, "linkedin_url": "https://linkedin.com/in/scott-liddle-890678195", "x_url": "https://twitter.com/ScottDRLiddle", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c5cbb6fdd72b737b87d44263fb6e1ebc5ca3b62.jpg" } ], "jobs": [ { "id": 71298, "title": "Senior Fullstack Engineer", "url": "https://www.ycombinator.com/companies/capi-money/jobs/SKgykBX-senior-fullstack-engineer", "location": "London Office / Paris, Île-de-France, FR / Dakar, Dakar Region, SN / Abidjan, Abidjan Autonomous District, CI / Douala, Littoral Region, CM", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80 - £120 GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 75450, "title": "Launcher", "url": "https://www.ycombinator.com/companies/capi-money/jobs/onTuIwb-launcher", "location": "Paris or London", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "£65K - £85K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 73937, "title": "Capi Money - International payments for importers in Africa", "tagline": "Helping businesses in Africa pay their international suppliers", "body": "Hey everyone, we’re [Capi Money](https://capimoney.com) and we help businesses in Africa pay their international suppliers. Importers in Africa pay up to 10% to settle international invoices and wait weeks for their payments to arrive. We’re giving businesses in Africa the same price and speed as we expect in the US and Europe.\n\n**We recently launched in Senegal** 🇸🇳 and have booked over $1.5m of payments in our first two weeks. We’re launching Cameroon this month and are currently scoping out Egypt.\n\n### **😫 The problem our first customer experienced**\n\nTwo weeks ago Mitch and Scott (2/3 of the founding team) were in Senegal visiting our local agent-distributor, and onboarding our first customers: a bookshop and an industrial soap-maker.\n\nThe former imports books from Europe and sells them in Dakar. All their revenue is in local currency (XOF) but their supplier invoices are in Euros. They’ve struggled to pay these invoices as:\n\n* Either the bank doesn’t have any Euros to sell them or if they can find Euros elsewhere (e.g. a broker), they pay 5%-10% in FX fees; and\n* They have to wait weeks and sometimes months for payments to reach their suppliers, which risks their being cut off by their supplier for late payment.\n\nWe provide an alternative source of foreign currency by finding organisations that are sending money into Senegal and therefore want XOF and are willing to trade Euros for it. All of this happens behind the scenes and all they need to do is create the transaction in our online platform and send us the XOF, just like a US business using Wise or Payoneer.\n\n### **👋 A bit about us**\n\n![uploaded image](/media/?type=post&id=73937&key=user_uploads/386554/aedb1a43-f231-4fb4-a6b4-4481c1ce0cc3)\n\nMitch (right) and Scott (middle) met at Taptap Send, a remittance app that sends billions into Africa and Asia every year. There they were COO/CFO and CRO/CMO, and have spent a decade each working in emerging markets. Tom (left) is a 3rd-time founder having been co-founder and CTO at Hubble (a B2B marketplace) and P4SD (a web3 NFT company).\n\n### **🙏 How you can help**\n\nGet in touch if you or anyone you know is:\n\n* A business in Africa making regular international payments;\n* An international exporter, selling goods or services into Africa;\n* A business regularly sending funds into Africa (e.g. remittance firm, HR/payroll company)\n\nYou can either sign up to transact on our website (), or reach out to us at [founders@capimoney.com](mailto:founders@capimoney.com)", "url": "https://www.ycombinator.com/launches/JEX-capi-money-international-payments-for-importers-in-africa", "votes": 34, "created_at": "2023-08-09T13:51:31.209Z" } ] }, { "id": 28886, "name": "Cardinal Gray", "slug": "cardinal-gray", "former_names": [ "Cardinal Gray Incorporated" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.png", "website": "https://www.cardinalgray.com/", "all_locations": "New York City, NY, USA", "long_description": "When a lender gives out a car loan, they need to file a lien with their borrower’s DMV. This is difficult because the process varies by state and county. We’ve leveraged LLMs to help lenders automate lien filings for over $1B of loans.", "one_liner": "Automating lenders' interactions with the DMV", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1687970738, "tags": [ "Enterprise Software", "Consumer Finance", "Automation", "AI", "Automotive" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/cardinal-gray", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/cardinal-gray.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cardinal-gray/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.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": 1136419, "full_name": "Jack Chapman", "title": "Founder", "founder_bio": "CEO @ Cardinal Gray", "is_active": true, "linkedin_url": "https://linkedin.com/in/jack-chapman-2b7b75153", "x_url": "https://x.com/chapolantern", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/87582e783c75d6f4de9e3bdb90d15c0513018c2c.jpg" }, { "user_id": 1479733, "full_name": "Muhammad Khattak", "title": "Founder", "founder_bio": "Cofounder @ CG | Prev. R&D Engineer at Veridise, Stanford Philosophy", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/muhammad-khattak-b87a73156/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/40007bd00d02fef789ad9f4d0ec2f62aa7b70f29.jpg" }, { "user_id": 1163950, "full_name": "Grant Pease", "title": "Founder", "founder_bio": "Cofounder @ Cardinal Gray\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/grantpease1017brr", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37a1e83754a66d84681c97389898e76cc1e2d256.jpg" } ], "jobs": [ { "id": 82553, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/cardinal-gray/jobs/AcQcqtv-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $160K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "HTML", "JavaScript", "React", "TypeScript", "Software Architecture", "Prompt Engineering" ] } ], "news": [], "launches": [ { "id": 74164, "title": "Cardinal Gray - Helping auto lenders instantly send title data to DMVs", "tagline": "Auto lenders spend 30M hours a year sending title documents to 50 different state DMVs. Cardinal Gray automates this.", "body": "### **Our Team**\n\n![uploaded image](/media/?type=post&id=74164&key=user_uploads/1136419/54416cc8-471b-4684-855a-0b4cd7f37fe0)\n\nHey! We’re Grant, Muhammad, and Jack. We’re building titling tools for auto lenders. For example, when a loan gets paid off, we instantly release the lien placed on the car.\n\nBefore we jump into it, you might be wondering: what is a lien? A lien is a legal claim auto lenders file with the DMV to establish their legal claim over a borrower's car and secure the loan payments, but managing this collateral with the DMV is a headache for lenders.\n\n### **The Problem**\n\nAuto lenders spend 30 million hours a year sending title documents to 50 different state DMVs. At Cardinal Gray, we’re automating this.\n\nTitle work is time intensive because lenders’ systems are not connected to DMV systems. Lenders spend >$2 Billion each year on employee labor to manually aggregate and forward the relevant data and documents to state governments.\n\nFor lenders, a slow lien filing process can lead to billions of dollars in unsecured loans. A slow lien release process creates tension with dealerships and customers because car ownership can’t be transferred until a lien gets released.\n\nOn top of this, manual processes lead to errors. At any given time, 20% of lien filings are inaccurate.\n\n### **Our Product**\n\nWe fix this by interfacing with lender and DMV databases. Our software monitors a lender’s loan data, and when a loan gets created or paid off, we ping the appropriate DMV to file or release the lien. When a DMV creates or edits data, we reference this change with the bank and resolve discrepancies before they cause issues.\n\n### **How We Found This**\n\nA year ago, we were trying to create a decentralized marketplace for car loans. We actually applied to YC’s W23 batch with this idea, and we were told that it was too complex and that it was unclear why it required blockchain. They were right. We were boiling the ocean.\n\nAs we continued investigating auto lending, we discovered dealerships originate roughly 80% of all auto loans, and lenders automate credit decisions and funding at the same rate. We realized that a major bottleneck to automated car financing was manual title work, so we did a deep dive into DMV systems. As it turns out, this work can also be automated.\n\n### **Our Ask**\n\n* **Are you in auto lending?** We’d love to meet. Shoot us an email at [founders@cardinalgray.com](mailto:founders@cardinalgray.com)\n* **Do you know anyone in auto lending?** We’d love to be introduced. We have a strong pipeline, but the more the merrier.\n\n🧯 get in touch / [cardinalgray.com](http://cardinalgray.com) / [founders@cardinalgray.com](mailto:founders@cardinalgray.com)", "url": "https://www.ycombinator.com/launches/JIC-cardinal-gray-helping-auto-lenders-instantly-send-title-data-to-dmvs", "votes": 48, "created_at": "2023-08-16T18:28:21.150Z" } ] }, { "id": 28896, "name": "GovernGPT", "slug": "governgpt", "former_names": [ "governGPT" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc48fe8121550891d4d5f63eb127e89d23e40dd1.png", "website": "https://www.governgpt.com/", "all_locations": "Montreal, QC, Canada", "long_description": "For money managers to raise their next billion, they dedicate entire teams to spend days filling diligence questionnaires with recycled content. We do it in minutes using AI.\r\nClients include Pantheon, Tishman Speyer, Coatue, ICONIQ, DigitalBridge, PAG, Stonepeak, Onex, Urban Partners, Yarra Capital, Bridgewater,Axonic, NIAM, Raith Capital, Intl Farming, Hillsdale, White Oak, Oakley, PollenStreet, Kartesia, L1, Tribeca, etc. ", "one_liner": "The RFP Platform Asset Managers Adopt", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1699569347, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "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/governgpt", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/governgpt.json", "year_founded": 2023, "city": "Montreal", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/93647085/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc48fe8121550891d4d5f63eb127e89d23e40dd1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c04734375b1d87485004ad0d98db264a69d77ee0.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 671605, "full_name": "Mamal Amini", "title": "Founder", "founder_bio": "@GovernGPT: We're focused on automating a process for institutional fundraisers at asset managers. \n\nPre-GovernGPT as a Machine Learning Scientist:\n- Co-authored 10+ foundational models with Yoshua (godfather of AI) and Doina (DeepMind Director). \n- Built LLMs like GPTs on the world's largest chip. \n- Co-invented system to shorten HiSilicon's chip design cycle.", "is_active": true, "linkedin_url": "https://linkedin.com/in/mamal-amini-235810170", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4c2f5ba08d38b7dcb0e6375d4997bd59e97ca008.jpg" }, { "user_id": 1368239, "full_name": "Oliver Walerys", "title": "Founder", "founder_bio": "Self-taught product and software guy. Unironically a citizen of the world. I'm building this startup because how could I pass up working with my best friend - and I'm realizing my dream from 12 years old.", "is_active": true, "linkedin_url": "https://linkedin.com/in/walerys", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/685cd44d0bb2ff5e4ef64df2f03603a776f70766.jpg" } ], "jobs": [ { "id": 92573, "title": "Backend Engineer, Thinking Systems", "url": "https://www.ycombinator.com/companies/governgpt/jobs/hRyltS0-backend-engineer-thinking-systems", "location": "Montreal, QC, CA / Montreal, Quebec, CA", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$115K - $175K CAD", "equity_range": "0.25% - 0.75%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Kubernetes", "Nginx", "PostgreSQL", "Python", "Docker", "Natural Language Processing", "Software Architecture", "Software Security", "Prompt Engineering" ] }, { "id": 115245, "title": "President / COO — GovernGPT (Montreal)", "url": "https://www.ycombinator.com/companies/governgpt/jobs/Jf7q0ZT-president-coo-governgpt-montreal", "location": "Montreal, QC, CA / Montreal, Quebec, CA", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$175K - $225K CAD", "equity_range": "2.50% - 7.50%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 78478, "title": "GovernGPT: Modernizing buy-side investor relations with AI", "tagline": "We help asset managers modernize fundraising and investor relations by automating investor updates like DDQs and RFPs.", "body": "**Problem:**\n\nAsset Managers who raise money from institutional investors need to fill out questionnaires in various formats for customer acquisition and retention. Most of these answers already exist and need to be manually kept up-to-date. Also, it requires manual chasing down of other teams (e.g. compliance) for recently certified answers. A lot of effort that could be otherwise spent on higher value fundraising tasks.\n\n**Our Solution:**\n\nWe automate finding fresh answers, maintenance of the database, and intracompany communication. Existing solutions either don’t get used or they need a team of 5 to manage it. [GovernGPT](https://www.governgpt.ai/), natively powered by gen-AI and purpose-built for asset managers, frees up the time for 4 out of those 5. In the end, GovernGPT exports these questionnaires in the very same format they came in with answers filled out.\n\n[Product Video Demo](https://youtu.be/oWFzk2kHtW0)\n\n**_Who we are_**\n\nWe're [Mamal](https://www.linkedin.com/in/mamal-amini-235810170/) and [Oliver](https://www.linkedin.com/in/walerys/), best friends who love mountains and craft beers :) We've collectively built GPTs from scratch, developed back-office products that elicit consumer-level joy, and published Machine Learning papers - all this at startups, scale-ups, large corporates, and consulting firms like McKinsey. This photo is us right after we got GovernGPT swag!\n\n![uploaded image](/media/?type=post&id=78478&key=user_uploads/671605/d3822694-d73c-475a-8f48-133d00584a81)\n\n**_How you can help us_**\\\nWe’re currently piloting with a private credit, a hedge fund, and a private equity firm. If you know forward-thinking asset managers who want this problem to be solved today (get a huge discount before we raise seed), please put us in touch ([mamal@governgpt.ai](mailto:mamal@governgpt.ai)).", "url": "https://www.ycombinator.com/launches/KPm-governgpt-modernizing-buy-side-investor-relations-with-ai", "votes": 31, "created_at": "2024-02-16T17:21:05.346Z" } ] }, { "id": 28929, "name": "Bretton AI", "slug": "bretton-ai", "former_names": [ "Greenlite AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "website": "https://www.bretton.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Bretton runs AI-native operations for the financial back office. OCC, Fed and FDIC regulated banks use Bretton to run compliance, risk, fraud operations on one platform, on their own data and policies, with every output traced, cited, and audit-ready.\r\n\r\nBretton has pioneered AI use in financial services with its proprietary Trust Infrastructure — a system of model validation, governance and auditability guardrails that enables AI use in key regulated workflows.\r\n", "one_liner": "AI-native operations for the banks", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1687929703, "tags": [ "Fintech", "Payments", "B2B", "Compliance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "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/bretton-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/bretton-ai.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bretton-ai/", "x_url": "https://twitter.com/brettonai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/936cd307dccb74fa9e3b71397752f4250ce6a5b7.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1152966, "full_name": "Will Lawrence", "title": "Founder", "founder_bio": "Will led product for Facebook's anti-money laundering (AML) platform, combatting financial crimes across payment, gaming and e-commerce use cases. He also built core compliance infrastructure at Paxos, a growth-staged fintech that powers over 10M crypto wallets globally. \n\nHe's now Co-founder and CEO of Greenlite, helping fintechs scale financial crime operations with AI.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lawrencewill", "x_url": "https://twitter.com/will_lawrenceTO", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dfe9f928e4429829c72f6b0ed36b1a16c28a68a0.jpg" } ], "jobs": [ { "id": 72400, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/Dh7ku1P-enterprise-account-executive", "location": "San Francisco, CA, US / New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$220K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90600, "title": "Software Engineer, Product", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/dqOP6MV-software-engineer-product", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$168K - $213K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90602, "title": "Software Engineer, Infrastructure", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/RnFi0pT-software-engineer-infrastructure", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$168K - $213K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 92361, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/E8Bd0s3-forward-deployed-engineer", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94012, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/J6AykVR-solutions-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94017, "title": "Financial Crime Analyst", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/JkfdrLs-financial-crime-analyst", "location": "Remote- United States / San Francisco, CA, US / Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$28 - $70 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Greenlite AI Raises $15 Million Series A | Greenlite.ai", "url": "https://www.greenlite.ai/blog/greenlite-ai-raises-15-million-series-a", "date": "May 21, 2025" }, { "title": "Exclusive: Anti-money laundering startup Greenlite gets $4.8 million", "url": "https://www.axios.com/pro/fintech-deals/2023/11/08/exclusive-anti-money-laundering-ai-startup-greenlite-4m", "date": "Nov 08, 2023" } ], "launches": [ { "id": 72627, "title": "Greenlite 🟢 AI compliance teams for fintechs", "tagline": "A workforce of AI agents that augment AML and KYC teams", "body": "**TL;DR**\\\n[Greenlite](https://www.greenlite.ai/) helps fintechs unlock growth with an AI compliance team.\n\nOur workforce of AI agents tirelessly handle routine AML and KYC tasks, allowing your team to focus on higher-leverage work.\n\nIf you’re a fintech or compliance leader, get in touch at [founders@greenlite.ai](mailto:founders@greenlite.ai).\n\n## **Problem**\n\nFintech compliance teams **spend millions of dollars on manual anti-money laundering (AML) and know-your-customer (KYC) reviews**. To support customer growth, fintechs turn to outsourced analysts or consultants to complete these reviews.  The workflows assigned to outsourced teams are routine, clearly-defined and require risk-based decisions to be escalated to a full-time employee (FTE).\n\n**Managing outsourced analysts is painful and expensive.** Training takes months, quality assurance is a challenge and any additional tooling/automation needs to be built by your internal engineering teams.\n\n**Critically, the productivity of these AML teams are low**. [McKinsey estimated](https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/the-investigator-centered-approach-to-financial-crime-doing-what-matters) that as little as 15% of an AML investigator’s time is spent actually investigating. Manual processes, administrative tasks and limited working hours leave backlogs to grow, increasing risks of a major fine.\n\n### **Solution**\n\n[Greenlite](https://www.greenlite.ai/)’s AI agents learn your alert review process and work 24/7 to complete entry-level KYC and AML tasks.\n\nThey pair language models and 200+ data sources to action false positives, investigate high-risk customers and create audit-ready narratives. \n\nSuspicious activity is escalated to your FTEs, allowing you to be in control of risk based decisions.\n\n## **Here’s how it works**\n\n### Choose where you need staff augmentation\n\nGreenlite supports three agent archetypes (with more to come). Each one can learn your company’s specific workflows to handle routine cases.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/7d2bc16b-7e94-41f7-8bd4-4ef467c09b8c)\n\n### Add your policy, data sources and fuzziness thresholds\n\nUpload your workflow policy, define the data sources that are needed for this job and determine the fuzziness threshold you’re comfortable with.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/55090200-1b67-4d7f-ae1d-e21c04863a24)\n\n### Review escalated cases\n\nAgents will escalate cases that require a risk based decision. Importantly, your FTEs get an enriched case, complete with entity investigation details, data analysis and open-source intelligence to make high quality decisions more efficiently.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/07dccab8-c387-42e5-8a02-2fd4a2e6cfdf)\n\nSchedule a demo [here](https://cal.com/greenlite/greenlite-demo) to see how Greenlite can help you scale your compliance operations with AI instead of outsourced teams.\n\n### **Benefits of Greenlite:**\n\n1. **Higher quality, transparency and control of reviews**: give your team better visibility and control of your AML operations.\n2. **Dramatic savings**: using automated systems instead of human-reviewers will unlock capacity for strategic priorities.\n3. **Unblock growth**: with near-instant compliance capacity, your team can focus on higher-priority initiatives, like license applications, complex investigations and scaling core systems.\n\n### **Who are we?**\n\nWe’re [Alex](https://www.linkedin.com/in/jinalex/) and [Will](https://www.linkedin.com/in/lawrencewill/). \n\nWill led product teams working on Facebook's anti-money laundering (AML) platform, combating financial crimes across payment, gaming and e-commerce use cases. He also built core compliance infrastructure at Paxos, a growth-staged fintech that powers over 10M crypto wallets globally. \n\nAlex was an engineer and product manager at Dropbox. He was the first employee at Flixed where he led product development and built a programmatic content engine.\n\nTogether, we’re excited to help fintech compliance teams unlock unprecedented growth with AI.\n\n### **Looking to connect with fintech compliance teams!**\n\nWe’re happy to help fintech compliance teams define their AI strategy. Get in touch at [founders@greenlite.ai](mailto:founders@greenlite.ai).", "url": "https://www.ycombinator.com/launches/ItP-greenlite-ai-compliance-teams-for-fintechs", "votes": 52, "created_at": "2023-06-28T20:29:37.792Z" } ] }, { "id": 28932, "name": "AgentCollect", "slug": "agentcollect", "former_names": [ "Respaid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e7fa66d4491c66a8637435f8ec4ca509a67f236.png", "website": "https://www.agentcollect.com", "all_locations": "San Francisco, CA, USA", "long_description": "We recover aged B2B debt in weeks, not quarters: ~49% in 20 days vs ~20% in 4-6 months for traditional agencies.\r\nOur AI agents call, email, text, find the right contact (20% of B2B contact data is outdated), and negotiate payment plans 24/7 ; all under your brand. \r\nWe replace your offshore BPO and third-party agencies. \r\nYour AR team stays focused on strategic accounts.\r\n\r\nLive with Dell, Microsoft, FedEx, Plaid, and Checkr and hundreds of enterprise companies.\r\n\r\nLong-tail AR your team has deprioritized becomes recovered cash before a traditional agency even gets moving.", "one_liner": "B2B debt collection powered by AI agents", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1688400893, "tags": [ "Fintech", "B2B", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "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": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "My grandfather ran a furniture store in France. He extended credit himself, on trust. When customers didn't pay, he knocked on their doors on Sundays. One day, a customer pulled a knife on him.\r\n\r\nI grew up hearing that story. Then I started a business and ran into the same wall: customers who don't pay. The impossible choice: push too hard, they turn on you; push too soft, they ignore you.\r\n\r\nThat was collections before software. The problem is still the same.\r\n\r\nEvery B2B invoice is a loan. Every company extends credit. But when customers pay late, they still hand the problem to legacy collections agencies that recover \\~20% in 4-6 months and damage the brand on the way out.\r\n\r\nI built AgentCollect because no one should knock on doors anymore. AI agents call, email, and negotiate 24/7 under our customer's brand. We recover \\~49% in 20 days. Live with Dell, Microsoft, FedEx, Plaid, and Checkr." } ], "url": "https://www.ycombinator.com/companies/agentcollect", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/agentcollect.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/agentcollect", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/respaid", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e7fa66d4491c66a8637435f8ec4ca509a67f236.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": 571278, "full_name": "John Banner", "title": "Founder/CEO", "founder_bio": "My prior startup's downfall was due to unpaid invoices. With no viable market solution and seeing that 1/4 of businesses faced bankruptcy for similar reasons, I founded Respaid, using AI and respect to address the issue. Beyond entrepreneurship, I'm a commander in the French Republican Guard, a pianist, composer, and passionate about fintech meeting psychology. An engineer by training, I graduated from Harvard Business School and Ecole Centrale Electronique. Also, I'm a proud dad of 4 under 5 🙂", "is_active": true, "linkedin_url": "https://linkedin.com/in/johnbanr", "x_url": "https://twitter.com/johnbanr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bf7121767f5c4c09c95bcc3e780b0b43f7af6217.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 73027, "title": "Respaid - Respectful B2B Collection, powered by AI", "tagline": "\"The nice guy of the debt collection industry 😇\"", "body": "Hey! This is John, the founder of [**Respaid.com**](http://Respaid.com)\n\n**Are you constantly juggling a million things while overdue bills keep slipping through the cracks? AI-powered respectful collection enables you to receive up to 9x more payments.**\n\n![](https://lh4.googleusercontent.com/PTwTgW1BacUmzMAqUzhE0hyLy2tdWeb8btBW51Gl4dNEfzXOfjZchTFeCdEccjcySs6WpqBObpY9U8yaffvEjdnGhghmZJNtbEm4orexPgmNXD3bU5JNL-ZtcqFtoYWMY-HTGu0hgo--CAl1y8eW8JM)\n\n_Yeah… I'm a solo founder, but.. I’m not alone. Actually we’re 40+ passionate people from 7 countries!_ \n\n### **❌ Problem: collect small overdue bills is hard**\n\nBe too harsh and people feel offended, be too soft, and they not take it seriously.\\\nAt Respaid, we've found the sweet spot. With our similar approach that a lawyer would do, combined with surprising softness and simple direct payments, people are happy to pay (NPS: 93).\\\nYour brand reputation is even greater.\n\n### **✨ Solution: AI-Powered Lawyer collection + Respect**\n\nWe combine a respectful approach (contact with care through a real lawyer) + AI (predict the perfect timing, message and channel) to collect your overdue bills. Your customers are surprised that your company’s lawyer has been soft and made it easy to pay.\\\nHow to start: **give us a simple excel file, we do the rest (no attached invoices required).**\n\n![](https://lh4.googleusercontent.com/TjqFpV2BgichtCkOzQ3AEqovNqRApXbhF1o5-as9KmXvC89ix1ey_nHICLlFkptfyr2gihAjBHPNuAA6JKOPCQeVZXZBA78R7qjlWjci8C5XukHVXEWeV3mIVoGtmfyhnGGQJZytYmsNQQcObEdeKrA)\n\n_e.g. Apple Pay increase collection rate by up to 7%_\n\n### **👉 For Who: SaaS, Subscription and Marketplace**\n\nYour customers are SMBs? Finding a solution which is profitable and not time consuming is now possible.\\\nWe currently have 458 customers (DoorDash, Checkr, Podium…) in 8 industries (retail, insurance, finance, service..). We usually start with an excel file, but you can also automate us through Zapier or direct API.\\\n**We do up to 85k collections per day!**\n\n![](https://lh5.googleusercontent.com/skDiOeoYmVP8Va2V20WkzD8P_ZDKgtve5JeG5jBc-u1V9-A2DMKkGVUDxNx1Tw8-FLtrG-M2yNhdq2FbN_q8G2BDSyhZBaxLnQwY5WEF5UlRxNzLnpHdbyLIANNiYPOc3wocvrFHxyUNjcQZ_mUpPvs)\n\n### **🕤 BackStory: how BAD debts killed my last startup**\n\nIn my previous startup, I didn’t find a solution to chase small debts, and debt collectors would not take us seriously regarding volume or risk too high (they tend to select debts they have more chance to be collected). I realized 1/ 4 startups fail due to small debts. I knew the only way to fix it was through technology + respect. 18 months later, we were #1 on Trustpilot “debt collector”, had 16 unicorn customers.\\\n**But….we never officially launched in the US… until today!**\n\n### **• We do a fair pricing (success fees only)**\n\nYou only pay a success fee when we succeed (starting 10.9%). In the industry, we’re probably the only ones to even display a pricing page as we understood it was not right to calculate pricing depending on debt quality.\\\nUse the code “_YCS23_”🔥 at signup to get 1 month trial period, there's no need to worry about license fees.\\\nIt's our way of demonstrating our commitment to your success.\n\n### **🙏 How You Can Help**\n\n**Intros to founders/CFO** - You can help us by introducing startups/companies having: 1. a lot of SMBs or 2. a lot of individuals as customers to share how they handle overdue bills. Please cc me: [j+YC@respaid.com](mailto:j+YC@respaid.com) or directly [book a demo here](http://jo.respaid.com)\n\n**Try collecting $1 to yourself in 10sec**: [**start $1 collection here**](https://respaid.com)", "url": "https://www.ycombinator.com/launches/Izr-respaid-respectful-b2b-collection-powered-by-ai", "votes": 171, "created_at": "2023-07-13T15:01:02.582Z" } ] }, { "id": 28965, "name": "Yenmo", "slug": "yenmo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "website": "https://yenmo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate.\r\n\r\nOur Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.", "one_liner": "Secured consumer lending in India", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1708901041, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/yenmo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/yenmo.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/yenmo-in/", "x_url": "https://twitter.com/yenmo_official", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.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": 1058266, "full_name": "Ashutosh Purohit", "title": "Founder", "founder_bio": "Passionate about providing the best financial solutions for Indians! \nAt Navi, I led the creation and growth of their Mutual fund arm, going from 0 to $625M AUM in a year. Previously, at Swiggy, I spearheaded expansion from 30 to 500 cities in 1.5 years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ashutoshpurohit97", "x_url": "https://twitter.com/ashutoshpuro97", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/21f40d3ac69ca53f124aa1119965f1bb0e725b10.jpg" }, { "user_id": 1105961, "full_name": "Aryan Agarwal", "title": "Founder", "founder_bio": "Finance and Tech enthusiast working towards empowering Indians with new and innovative credit solutions. Worked at Browserstack for 2 Years before starting a Capital Management Company based out of India with over $2 million AUM.", "is_active": true, "linkedin_url": "https://linkedin.com/in/aryanag15", "x_url": "https://twitter.com/AryanAg15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e6c7dd3a965a5cf39d9f03c4e54a0a7ace740bc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78731, "title": "Yenmo - Instant loans against investments", "tagline": "Enabling Indians to access cash without the need to sell their investments", "body": "**TL;DR:** [Yenmo](https://yenmo.in) offers a better way to access cash for **India’s 60 million investors** who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can **pledge their investments digitally** and instantly get a loan at a **flat 10.5% interest rate**.\n\n_Our Insight -_ **In India,** **over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.**\n\n### 🧨 **What is the Problem?**\n\nIn India, with over 60 million investors in stocks and mutual funds, a staggering 50% of individuals resort to personal loans to fulfill liquidity needs. \n\nWhen these investors need funds, they are faced with two unfavorable options:\n\n**1-** Liquidating investments, which means losing out on the compounding growth of investments and also often incurring capital gains taxes of up to 35%\n\n**2-** Taking out a personal loan at over 18% interest.\n\nMany investors have earmarked their investments for specific future needs, such as their child's education or their retirement. For these individuals, liquidating investments is a last resort, leaving them with the burden of high-interest personal loans.\n\n### 🛠️ **Our Solution:**\n\nIntroducing Yenmo! We empower Indian investors to borrow against their investments \\[such as Mutual Funds and stocks\\] at a flat 10.5% interest rate, all in less than 5 minutes. Developed in collaboration with leading financial institutions and government agencies, we are revolutionizing how investors access liquidity.\n\nWith us, investors can view all their investments in real time, select the assets they wish to borrow against and receive funds directly into their bank accounts. This allows their investments to continue growing for the long term while fulfilling immediate financial needs effortlessly.\n\n\n\n### 🌟 **Our purpose**\n\nTo empower every Indian with the best financial solutions tailored to their unique conditions. We believe Loan Against Investments is an excellent starting point for this endeavor. Despite being ideal for the Indian market, this product is currently either not offered by financial institutions or when offered, is a very tedious process.\n\nWe aim to provide better financial products to customers by reimagining loans, credit cards, credit on UPI, and BNPL services in a way that can leverage their investments to unlock more value.\n\nUltimately, our goal is to evolve into the go-to destination for all Indian consumers seeking comprehensive financial solutions.\n\n### 👨‍💼 **About us**\n\n[Ashutosh](https://www.linkedin.com/in/ashutoshpurohit97/) started digging deep into the problem while he was working at one of the largest fintechs in India. He discovered over 30% of users who were taking a personal loan had active investments but they just weren’t aware of an option to take a loan against their investments. He quickly called the best coder he knew - [Aryan](https://www.linkedin.com/in/aryanag15/), who was running a capital management company, to join him to build something big! Apart from being from the same college, both of them have a shared passion for being deeply obsessed with financial products.\n\n![uploaded image](/media/?type=post&id=78731&key=user_uploads/1105961/cd36991d-f7a3-4d56-9eea-bdc9d3c6b11a)\n\n> In photo (left to right) - Ashutosh Purohit, Aryan Agarwal\n\nDownload [Yenmo](https://yenmo.in) today!  [Apple App Store](https://apps.apple.com/in/app/yenmo/id6477531049) | [Play Store](https://play.google.com/store/apps/details?id=in.yenmo&hl=en&gl=US)\n\nDon't let high-interest loans hold you back. Download Yenmo today and unlock the full potential of your investments, with easy access to liquidity when you need it most.", "url": "https://www.ycombinator.com/launches/KTr-yenmo-instant-loans-against-investments", "votes": 140, "created_at": "2024-02-25T22:44:18.512Z" } ] }, { "id": 28977, "name": "VaultPay", "slug": "vaultpay", "former_names": [ "Vault Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/30aabf918a32adb38f993512aceacaf1deb4d77c.png", "website": "https://vaultpay.io", "all_locations": "Kinshasa, Kinshasa, Democratic Republic of the Congo", "long_description": "Vaultpay is building a digital banking platform for 30 million smartphone users in DRC and the country's largest agent network. For example, a young Congolese entrepreneur who just won a subcontract with a major mining company can now easily open a personal and business account, receive payments, all from their smartphone, instead of spending hours at bank branches.", "one_liner": "Digital banking platform for the 30 million smartphone users in DRC.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1689166687, "tags": [ "Fintech", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Democratic Republic of the Congo", "Africa", "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/vaultpay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/vaultpay.json", "year_founded": 2023, "city": "Kinshasa", "country": "CD", "linkedin_url": "https://www.linkedin.com/company/getvaultpay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/30aabf918a32adb38f993512aceacaf1deb4d77c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ff56154d9ec5fe26ad394687c5f9225120238bc7.png" ], "primary_partner": null, "founders": [ { "user_id": 350695, "full_name": "Ntambwa Basambombo", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/ntambwa-basambombo-1371b952", "x_url": "https://twitter.com/ntambwabasa", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d4cb96d76aa917ffe46b5ae238df19a6180e9b53.jpg" }, { "user_id": 1259800, "full_name": "Christel Ilaka", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/christelilaka", "x_url": "https://twitter.com/chrisilaka", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48e938228319f323588de4f538fa61437dbda479.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97421, "title": "VaultPay: Digital banking for Central Africa", "tagline": "We’re building Square for Central Africa", "body": "VaultPay is a digital banking platform bringing Visa cards and modern financial services to the Democratic Republic of Congo, a country of 120 million people where 85% remain unbanked, and 90% of transactions happen in US dollars.\n\n**The Problem**\n\nThe DRC has been overlooked by the fintech industry. While mobile money dominates most of Africa with razor-thin margins, the DRC's dollarized economy means our users transact at an average of $40/month, nearly 3x Nigeria's $15 average. Higher transaction values mean healthy unit economics from day one.\n\n**What We Built**\n\nThink Apple Wallet meets CashApp. We offer virtual and physical Visa cards, USD and CDF accounts, and we're rolling out an agency banking network that transforms local businesses into cash-in/cash-out points, following the Square model for Africa.\n\n![uploaded image](/media/?type=post&id=97421&key=user_uploads/350695/198f0423-193f-4546-8c38-c6c46dc243bc)\n\n**Traction**\n\nWe launched in Q4 2025. In four months, with zero marketing spend:\n\n* 17,000+ users signed up\n* $20K MRR\n* 80% are accessing formal financial services for the first time\n\n**Why Now**\n\nWe're the first startup to secure a full payment license from the Central Bank of Congo, rather than operating under another bank's license, as most African fintechs do. This opened doors: Visa invested in our launch and is finalizing a deal recognizing us as their distribution partner for DRC expansion. Ecobank, one of Africa's largest banks, chose us to power its card experience, integrating its CashXpress program ($15M in monthly cash-in volume) into our platform.\n\n**Team**\n\nWe left Airbnb and Google in Silicon Valley to build this. Backed by YCombinator, Tekedia Capital, Michael Seibel, executives from SoFi, Airbnb, and CashApp, and engineers from Google DeepMind, Meta, and Uber.\n\n![uploaded image](/media/?type=post&id=97421&key=user_uploads/350695/9bb15e33-5144-43ed-b8f1-c75f8fd8f2ba)\n\nAI collapsed what should have taken years into months. We own our entire stack, including product, KYC, analytics, customer service, and data science, all with a very small team.\n\n**The Opportunity**\n\nEveryone chases the same markets in Africa. Meanwhile, we're building the financial rails for an entire nation before others catch on. That is our moat. DRC is currently undergoing a massive nationwide digital transformation and is one of the continent's largest consumer markets.\\\n\\\n**Our Ask**\n\nWe're raising our seed round to accelerate distribution across the DRC and Central Africa. If you're an investor excited about the largest untapped fintech market on the continent, we'd love to talk.\n\nIf you want to join a fast-growing startup building the financial foundations of an entire region, we're hiring.\n\nEmail: [ntambwa@vaultpay.io](mailto:ntambwa@vaultpay.io) / [cilaka@vaultpay.io](mailto:cilaka@vaultpay.io) / [founders@vaultpay.io](mailto:founders@vaultpay.io)", "url": "https://www.ycombinator.com/launches/PLJ-vaultpay-digital-banking-for-central-africa", "votes": 33, "created_at": "2026-02-03T03:34:29.381Z" } ] }, { "id": 28979, "name": "Slicker", "slug": "slicker", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a6d3f0c8afa88cbacfb092cfdf786243c3f8519.png", "website": "https://www.slickerhq.com", "all_locations": "London, England, United Kingdom", "long_description": "Slicker eliminates involuntary churn through AI-powered retries, tailored for your business. Our proprietary engine automatically monitors, detects, and recovers failed recurring payments, so you can convert past due invoices into revenue.", "one_liner": "Recover payment failures and maximize subscription Revenue", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1687798337, "tags": [ "FinOps", "SaaS", "Payments", "Subscriptions", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/slicker", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/slicker.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/slicker", "x_url": "https://twitter.com/SlickerHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a6d3f0c8afa88cbacfb092cfdf786243c3f8519.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1015087, "full_name": "Dani Penev", "title": "Founder", "founder_bio": "Dani Penev is the co-founder and CEO of Slicker, the AI-powered subscription failure recovery platform. He has multiple years of experience in payments, having built global bank transfer solutions at Stripe and Thought Machine. Dani graduated from the University of Glasgow where he worked on a food-delivery startup with his co-founder.", "is_active": true, "linkedin_url": "https://linkedin.com/in/dani-penev", "x_url": "https://twitter.com/danipenev", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/769e23b39e749047800202ac019a085c118b8fea.jpg" }, { "user_id": 1003392, "full_name": "Ivan Valkov", "title": "Founder", "founder_bio": "Ivan Valkov is the co-founder and CTO of Slicker, the AI-powered subscription failure recovery platform. He has built and scaled products and teams in companies ranging from early-stage startups to large corporations. Ivan co-hosts a podcast and will publish his fantasy novel one day.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ivan-valkov", "x_url": "https://twitter.com/ivvalkov", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a19fa5141b79172164eac45e50abb801ca52bfa.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": 29026, "name": "SyntheticFi", "slug": "syntheticfi", "former_names": [ "Cyclone", "devmark" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/21cd7289472fa982f68b9ab59329eb2acf583e66.png", "website": "https://www.syntheticfi.com/", "all_locations": "San Francisco, CA, USA", "long_description": "SyntheticFi is the cheapest way to borrow money. We partner with independent financial advisors (RIAs) to meet the liquidity needs of their clients.", "one_liner": "The cheapest way to borrow money", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1688426619, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "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/syntheticfi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/syntheticfi.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/syntheticfi/", "x_url": "https://x.com/SyntheticFi_SF", "fb_url": "https://www.facebook.com/syntheticfi/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/21cd7289472fa982f68b9ab59329eb2acf583e66.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1351685, "full_name": "Tony Yang", "title": "Founder", "founder_bio": "CEO and co-founder of SyntheticFi: cheapest way to borrow money.\n\nPrior to starting SyntheticFi, Tony was a senior software engineer at Stripe. During his time at Stripe, Tony used the box spread strategy to purchase his house. That became the inspiration for Tony to start SyntheticFi and democratize its access. Tony graduated as a double major in CS and Philosophy from UC Berkeley.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yucheng-tony-yang", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ffdeb308d341b25bce009ae14367eab8f830f7b.jpg" } ], "jobs": [ { "id": 96169, "title": "Operations Associate", "url": "https://www.ycombinator.com/companies/syntheticfi/jobs/l1nEpDf-operations-associate", "location": "US / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $85K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "SyntheticFi Raises $13M and Exceeds $2B in Regulatory AUM", "url": "https://www.businesswire.com/news/home/20260609454833/en/SyntheticFi-Raises-%2413M-and-Exceeds-%242B-in-Regulatory-AUM", "date": "Jun 08, 2026" }, { "title": "Inside a tax-smart borrowing tool for risk-tolerant clients | Financial Planning", "url": "https://www.financial-planning.com/news/inside-a-tax-smart-borrowing-tool-for-risk-tolerant-clients", "date": "Feb 17, 2026" }, { "title": "Box Spreads As A Borrowing Alternative To Margin Loan, SBLOC", "url": "https://www.kitces.com/blog/box-spreads-borrowing-alternative-margin-loans-sblocs-heloc/", "date": "Feb 11, 2026" }, { "title": "Affluent Investors Are Using Options Math To Borrow On The Cheap", "url": "https://www.fa-mag.com/news/how-affluent-investors-are-using-options-math-to-borrow-on-the-cheap-85216.html", "date": "Dec 15, 2025" }, { "title": "Wall Street Options Trick Becomes New Fintech Lending Hack - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-10-29/wall-street-options-trick-becomes-new-fintech-lending-hack", "date": "Oct 29, 2025" } ], "launches": [ { "id": 92223, "title": "SyntheticFi Hybrid Mortgage 🏠 - 4.64% APR with extra tax deductions", "tagline": "Get 2% lower interest rate compared to big banks. Save extra on taxes with uncapped interest deductions.", "body": "We’re [Tony](https://www.linkedin.com/in/yucheng-tony-yang) and [Joseph](https://www.linkedin.com/in/joseph-yezhou-wang/), co-founders of SyntheticFi.\n\nAfter partnering with over 150 financial advisors and helping hundreds of families, today we’re launching our **Hybrid Mortgage** product: **combine a mortgage and your investment portfolio** **to lower the borrowing cost to 4.64%.**\n\n# TLDR - You can borrow money at 4.64% APR, with uncapped tax write-off on interest.\n\nIf the following is true for you, we can help you save money. [Let’s chat](https://form.typeform.com/to/CSvxlN7B) if:\n\n* you have an investment portfolio, and,\n* your current **pre-approval letter** or **mortgage** has an interest rate higher than 4.7%.\n\n**If you know financial advisors (RIAs), mortgage brokers, and realtors**, [we would love to tell them](https://form.typeform.com/to/CSvxlN7B) about our partnership program.\n\n# \n\n![uploaded image](/media/?type=post&id=92223&key=user_uploads/1351685/04b9a84d-2f91-4ce9-837b-515a39f49f9e)\n\n# 🏡 How does a Hybrid Mortgage save money for you?\n\nUnlike a traditional mortgage, SyntheticFi Hybrid Mortgage **uses both your investment portfolio and your real estate property as collateral**. Because your investment portfolio is a lot more liquid than your real estate property, you are able to get a better interest rate.\n\nYou can think of it as a “hybrid” of two loans:\n\n* a securities-backed loan\n* a traditional mortgage\n\nThere are 3 benefits to introducing the securities-backed loan portion:\n\n**_Benefit 1: Interest rate is much lower than a traditional mortgage._**\n\nWe offer different fixed rate options. A popular term is **4.64% APR** fixed for 5 years. If you are borrowing $500,000, reducing the interest rate by 2% is equal to saving $10,000 per year.\n\n**_Benefit 2: Don’t have to sell stocks for down payments - saving on taxes, participate on future growth._**\n\nThe securities-backed loan portion can be used to meet the down payment requirement of the traditional mortgage. **Many of our users are able to buy homes with $0 cash down payments.** This allows them to keep their investments in the stock market to grow over time, while avoiding the capital gains taxes associated with asset sales.\n\n**_Benefit 3: Write off interest expense_**\n\n**You can write off interest on the securities-backed loan with no cap and no need to itemize deductions**. By contrast, interest deduction on a traditional mortgage is limited to interest from $750K in principal and requires itemized deduction. If you are getting a mortgage over $750K, you’d be leaving money on the table, because you didn’t maximize your tax deductions.\n\n# ⁉️ But it sounds too good to be true?\n\nYou are right to be cautious. Here is why you should trust SyntheticFi.\n\n**_Hybrid mortgage has been gate-kept by the ultra-rich._**\n\nBanks have long offered similar programs to the ultra-high net worth individuals (>30MM) via personal bankers. We are democratizing access to this product.\n\n**_We’ve done this, hundreds of times._**\n\nHundreds of families have used SyntheticFi Hybrid Mortgage to buy their homes. CBOE, the largest options exchange in the word, features our co-founder Joseph’s [in-depth article](https://www.cboe.com/insights/posts/long-dated-box-spreads-a-better-way-to-buy-a-home-updated/) explaining how our product works.\n\nAdditionally, we partner with over 150 professional financial advisors all over the US. [OUI Financial](https://ouifinancial.com/en/financing) is one of them: they have featured SyntheticFi on their website because they have had so much success with us.\n\n**_We’re regulated by the SEC._**\n\nSyntheticFi is regulated by the SEC as a registered investment advisor (RIA). We are a fiduciary, and you do not have to move your assets anywhere.\n\n# ➡️ Interested in learning more?\n\n[Let’s chat](https://form.typeform.com/to/CSvxlN7B) if:\n\n* you have an investment portfolio, and,\n* your current **pre-approval letter** or **mortgage** has an interest rate higher than 4.7%.\n\nIf you know financial advisors (RIAs), mortgage brokers, and realtors, [we would love to tell them](https://form.typeform.com/to/CSvxlN7B) about our partnership program.", "url": "https://www.ycombinator.com/launches/NzT-syntheticfi-hybrid-mortgage-4-64-apr-with-extra-tax-deductions", "votes": 148, "created_at": "2025-07-16T20:42:50.293Z" }, { "id": 81967, "title": "🔷 SyntheticFi: Cheapest way to get liquidity from your stock investments", "tagline": "Cheapest securities-backed line of credit (SBLOC), right on your existing brokerage platform.", "body": "# TLDR\n\nSyntheticFi helps you borrow at 5.83% APR using your investments as collateral without switching to another brokerage. You can save $30K+ per year borrowing $500K on Charles Schwab while staying with Schwab.\n\n🌟[Start here](https://app.syntheticfi.com/) or [talk to us](https://calendly.com/tonyyanga/meet-with-tony-syntheticfi) to start saving money. No credit checks involved. 🌟\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/500c3c23-5b0f-408a-976c-baa5a18e4b42)\n\n# ❓Why Borrow Against Your Investments: Continued Investment Growth + No Capital Gains Tax!\n\nMany use margin loans or a securities-backed line of credit (SBLOC) to **get liquidity** from their investments **without selling and incurring capital gains tax**.\n\nFor example:\n\n* You work at big tech: you have concentration stock positions that appreciated greatly. You can now use SBLOC to fund a downpayment on a house without paying 20% on capital gains tax or impacting DTI\n* You are an angel investor: you can now chase the extra returns from investing in startups and not miss out on the 9% historical returns of the S&P 500.\n\nEven Elon Musk planned to take out a $12.5B loan against his Tesla shares to acquire Twitter/X!\n\nAdditionally, securities-backed loans have **no impact on your credit report.**\n\n* No credit checks; don’t show up on credit reports; no impact on DTI (debt-to-income) calculations\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/03e81b3c-6601-4ca7-86a5-034813087729)\n\n# ❌ Problem: Expensive, and Hard to Switch to Cheaper Providers\n\nGetting a competitive interest rate to borrow against your investments requires upending your financial life. You are forced to choose between two bad options:\n\n* either **overpay thousands** in interest per year;\n* or take on the **hassle of switching** to a cheaper broker.\n\nA real-life example: Tony **🙋‍♂️,** ex-Stripe, has personally tried to borrow against his investments to pay the downpayment on his first house.\n\n* **Tony had to overpay $13K+ a year!** Fidelity’s website quoted Tony 11.83%. He tried to negotiate. It took Fidelity 2 weeks to get back quoting 10%; even the mortgage was only at 7.5% at the time.\n* **Tony also hated switching to a low-cost broker.** When searching for cheaper rates, Tony found Interactive Brokers (IBKR) offer \\~6.3%. However, he would have to:\n * abandon the trading interface he is used to,\n * set up an entirely new account and wait for assets to transfer,\n * manage his retirement account in a separate brokerage,\n * and receive almost no support from IBKR. He heard they even liquidate assets without notice!\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/2729d18e-1617-4a3d-87b9-1d759021392e)\n\n**How big is this problem?**\n\nIn total, credulous individual investors overpay $32B+ in interest per year to banks and broker-dealers, fueling a $1 trillion+ market with low competition. This market is similar to the size of total outstanding credit card debt, or 2.65x the size of the HELOC market.\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/2f0e0799-acc3-411b-b2e2-7e8b9721a42b)\n\n# 💡Solution: Add SyntheticFi to your current brokerage platform.\n\nRegistered with the SEC, SyntheticFi acts as an **add-on** to your current investment platform. It allows you to borrow at a base rate + 0.5%, currently **5\\.83%,** **without switching** to another brokerage account.\n\nGet liquidity in three easy steps:\n\n* Connect SyntheticFi to your brokerage account via a Plaid-like connection;\n * We will ask you for certain permissions;\n * We are required by law to act in your best interest - we are an SEC-registered investment advisor.\n* Tell us the amount you’d like to borrow and when you’d like to repay;\n* Withdraw the cash immediately!\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/ce1f7529-7bf4-4858-b143-3c364df850e8)\n\n**How much does SyntheticFi cost?**\n\n* \\[FREE DEAL\\] [Join our Slack community](https://join.slack.com/t/syntheticficommunity/shared_invite/zt-2mab058vk-GGgIEEMgJ\\~8xwsasPx7FXQ), and get your first loan ON US!\n* 0\\.016% of your loan amount per month, up to $200 per month. This is 1/30 to 1/10 of what traditional brokers currently charge.\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/91a2ea6e-d7e7-4243-9412-eedbbc8819d0)\n\n# 📝 FAQ\n\n**How can you offer the cheapest margin rate on the market?**\n\nWe help you enter into an exchange-traded loan contract. You can think of it as we bring your loan contract to Wall Street, where all traders compete in real time to offer you the cheapest loan.\n\n**What is the loan you trade on exchange here?**\n\nWe trade a basket of options called box spreads. These options are hedged so that they do not move with the underlying. Read more about them [**here**](https://www.syntheticfi.com/how-it-works), and see how [**Reddit traders**](https://www.reddit.com/r/PMTraders/comments/pziqxa/spx_box_spreads_what_they_are_and_how_to_use_them/) are using them.\n\n**What is the tax treatment for the loan interest?**\n\nThe loan interest incurred is always tax deductible as capital losses.\n\n**How can you let me stay with my current brokerage?**\n\nOur loan contract is supported across major brokerages. We integrate with them and trade it in your account, so you don’t need to switch.\n\n**How much can I borrow against my investment?**\n\nMargin requirements from your current broker apply. Most clients should be able to borrow up to 50% of their portfolio value. Exceptions: non-liquid investments, retirement assets, or crypto assets.\n\n**What can I use my borrowed cash for?**\n\nMoney borrowed from our product can be used for any purpose, including buying more stocks.\n\n# 👥 Team\n\n![uploaded image](/media/?type=post&id=81967&key=user_uploads/1351685/8dd7d1af-505b-4f77-b967-8f620db3455f)\n\nWe’re Joseph and Tony (left, right), the team behind SyntheticFi. Joseph worked on similar products with financial advisors when he was the first employee who built VRGL, a series-A wealth-tech startup valued at over $100MM. That inspired us to build SyntheticFi and bring cheap securities-backed borrowing rates reserved for the ultra-rich to the average person.\n\n# 📢 Asks\n\n\\[FREE DEAL\\] If you are currently using margins / security-backed loans:\n\n* We’d love to chat and see what you think of our product! Let’s [**find time to meet**](https://calendly.com/tonyyanga/meet-with-tony-syntheticfi). We will waive our fee from your first loan.\n* You can also [sign up](https://app.syntheticfi.com) on our website directly!\n\n\\[Introductions\\] If you know **anyone at financial advisor platforms, independent broker-dealers, or mortgage brokers** who wants to gain revenue while giving their clients better rates:\n\n* We’d love a referral. Our email is [founders@syntheticfi.com](mailto:founders@syntheticfi.com)\n* Or, share our website: [syntheticfi.com](http://syntheticfi.com/).", "url": "https://www.ycombinator.com/launches/LK3-syntheticfi-cheapest-way-to-get-liquidity-from-your-stock-investments", "votes": 57, "created_at": "2024-07-08T19:18:02.194Z" } ] }, { "id": 29086, "name": "Eden Care", "slug": "eden-care", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "website": "https://www.edencaremedical.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Eden Care is building the claims infrastructure for African health insurance ", "one_liner": "Claims infrastructure for African health insurance", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687277447, "tags": [ "Fintech", "Health Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Kenya", "Africa", "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/eden-care", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/eden-care.json", "year_founded": 2022, "city": "Nairobi", "country": "KE", "linkedin_url": "https://www.linkedin.com/company/edencaremedical/?viewAsMember=true", "x_url": "https://twitter.com/edencaremedical", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32d8553d147f9813494bc88a74f31afc506e6b7a.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 584359, "full_name": "Moses Mukundi", "title": "Founder", "founder_bio": "I founded my first startup, an agritech startup, at 23 that scaled to profitability and was acquired in 2017. I spent 6 years in the insurance and healthcare verticals in Africa before pursuing my MBA at Wharton Business School. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mosesmukundi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92dbf4e853015c0ebd369988003ecaa2eb7b42c0.jpg" } ], "jobs": [], "news": [ { "title": "Eden Care: Y Combinator's latest health insurance bet in Africa", "url": "https://techcabal.com/2023/08/26/eden-care-medical-y-combinators-latest-health-insurance-bet-in-africa/", "date": "Aug 26, 2023" }, { "title": "Eden Care becomes first Rwandan company to join Y Combinator", "url": "https://www.benjamindada.com/eden-care-y-combinator-first-rwandan/", "date": "Jul 04, 2023" } ], "launches": [ { "id": 72392, "title": "Eden Care - Digital health insurance for employers in Africa", "tagline": "Saving employers time and money with better, cheaper health insurance", "body": "**Tl;dr:** Eden Care offers digital health insurance to employers in Africa. We are making health insurance cheaper by building a new tech stack that reduces the cost of insurance operations by 43%. In 6 months since launch, we have $2.1M in gross premiums and growing 100% month-on-month. Check out [Eden Care](https://www.edencaremedical.com/) today.\\\n—\n\nHello, I am Moses Mukundi, and my team and I are building [Eden Care](https://www.edencaremedical.com/). We are on a mission to provide access to affordable quality health insurance to the 90 million uninsured African employees. See some of our team below:\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6d025c95-c4e5-41e1-9052-b7f58978a690)\n\n**Problem: Underserved**\n\nAfrican insurance cost of operation (claims, distribution, and fraud cost) is 2.2x the global average resulting in expensive insurance. No wonder, health insurance penetration in Africa is 0.2%, 15x lower than emerging market peers. \n\nThis $11 billion industry hasn’t modernized (manual, limited customer insights, and high fraud waste and abuse) and has largely focussed on large companies and high network individuals, leaving out the majority of Africans. There’s a need for a new solution for Africans to increase health insurance uptake.\n\n**Our Solution: Digital infrastructure that automates the entire value chain**\n\nEden Care is a full-stack licensed health insurer. We are building a new tech that reduces our cost operation by 43% resulting in cheaper cover. \n\nWe have deployed tech infrastructure across 3 main users - HR& admin teams, employees, and healthcare facilities. This enables us to automate the majority of our processes reducing cost but also improving customer experience. \n\n**For HR teams**, we provide them with a portal to easily manage the health benefits of their team.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/17e2bd51-fcc1-4ad0-8dff-946759a190b3)\n\n**For employees and their dependents**, we provide them with an app that helps them access and navigate healthcare, participate in Eden Care’s wellness and prevention program, and earn/redeem rewards.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/3aa361ff-2a28-440f-b060-660a4cc70ebd)\n\n**For service providers**, we have provided an end-to-end digital tool that enables them to quickly serve our members and digitally complete all their processes on our system — eliminating the majority of manual processes and paper, automating the majority of the tasks, and saving time and money.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6a47735f-0923-4997-8c72-081a79109571)\n\nWith this data-rich view, we can:\n\n1. automate >90% of all back-end insurance processes enabling us to deliver real-time decision-making and personalized health nudges\n2. intervene at the point of service to prevent fraud, waste, and abuse \n3. deliver better underwriting and products more relevant to user needs.\n4. Develop AI tools to improve stakeholder experience while lowering ops cost even further\n\n**The opportunity: Right time to build Eden Care**\n\n1. 22 Africans will transition to middle-income status by 2030. This transition is associated with a 7x growth in health insurance spend.\n2. SMEs are formalising at a faster rate and buying insurance for their teams for the first time. This is the largest insurance opportunity in Africa and is where Eden Care is positioning itself to be the segment leader. \n3. Rapid digitisation of healthcare facilities and end users is for the first time enabling the deployment of end-to-end digital health infrastructure. \n4. 310 million Africans will be middle class by 2030. The majority are young digital native families buying insurance for the first time. Eden Care is becoming the default insurer for this group.\n\n**Ask: How you can help us**\n\n1. Share this post! Please help spread the word, as you never know who it may help.", "url": "https://www.ycombinator.com/launches/Ipc-eden-care-digital-health-insurance-for-employers-in-africa", "votes": 19, "created_at": "2023-06-20T18:45:31.877Z" } ] }, { "id": 29100, "name": "CheqUPI", "slug": "chequpi", "former_names": [ "Terrafin Solutions Pvt Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "website": "https://www.cheq.money", "all_locations": "Bengaluru, KA, India; San Francisco, CA, USA", "long_description": "Cheq is a modern UPI payments app for NRIs and international citizens visiting India. \r\nUsing Cheq, you can pay digitally at over 55mn+ merchants across India. \r\nWe help tourists avoid ATMs and minimize their foreign exchange costs while in India.\r\n\r\n\r\n", "one_liner": "India's first UPI wallet for foreign nationals and NRIs", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1690215615, "tags": [ "Fintech", "Payments", "India", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "India", "United States of America", "South Asia", "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/chequpi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/chequpi.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/cheq-it/", "x_url": "https://twitter.com/cheqit_", "fb_url": "https://instagram.com/cheqit_", "cb_url": "https://www.crunchbase.com/organization/cheq-money", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.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": 267716, "full_name": "Sudhanshu Shekhar", "title": "Founder", "founder_bio": "Building Cheq UPI - A better payments app for foreign nationals and NRIs visiting India.\n\nPrevious work experience: Ispirt, Zeta, Headout, Walmart", "is_active": true, "linkedin_url": "https://linkedin.com/in/sudshekhar02", "x_url": "https://twitter.com/sudshekhar02", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce41d08bd1f25e97db6131c543b0cc452940bc99.jpg" }, { "user_id": 513391, "full_name": "Manish Shukla", "title": "Founder", "founder_bio": "Building Cheq UPI to enhance the digital payment experience of foreign nationals and NRIs\n\nPrevious experience: Zeta, Ispirt ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mkshukla", "x_url": "https://twitter.com/mani__shukla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86497d951933f5eb478ffee2d0a23b7f49fd5413.jpg" } ], "jobs": [], "news": [ { "title": "Foreign tourists go cashless in India: Cheq in partnership with Transcorp issues UPI wallets to users from 8 nationalities, ET TravelWorld", "url": "https://travel.economictimes.indiatimes.com/news/technology/foreign-tourists-go-cashless-in-india-cheq-in-partnership-with-transcorp-issues-upi-wallets-to-users-from-8-nationalities/99107922", "date": "Mar 31, 2023" }, { "title": "Cheq Launches India's First UPI-enabled Payment Wallet for Foreign Tourists | Zee Business", "url": "https://www.zeebiz.com/agencies/cheq-launches-indias-first-upi-enabled-payment-wallet-for-foreign-tourists-223058", "date": "Feb 22, 2023" } ], "launches": [ { "id": 73875, "title": "Cheq UPI: Digital payments for NRIs and foreigners in India", "tagline": "Cheq is India's 1st UPI payment app for international citizens and NRIs", "body": "Hi everyone!\n\nCheq is a UPI payment wallet for Non-Resident Indians (NRIs) and foreign citizens visiting India.\n\nUsing Cheq, you can purchase almost any goods/services across India 🇮🇳. \\\nJust scan the merchant QR code / choose the pay by UPI id option to make the purchase. We accept all international debit/credit cards and support international phone numbers.\n\n### Foreigners Struggle to make payments in India\n\nMost foreigners visiting India will invariably face one of the below problems👇\n\n1. Indian merchant not accepting your international credit card\n2. Indian merchants not tendering exact loose change (you’ll collect lots of candies!)\n3. Unavailability of ATMs/money changers at remote locations\n\n### Indian Expats struggle to make payments in India\n\n1. Enabling UPI on an international number doesn’t work.\n2. Linking NRE/NRO accounts to UPI does not work\n3. NRE/NRO accounts are linked to the customer’s (often deactivated) Indian phone number.\n\nMore than **10mn+** **international citizens** visiting India each year regularly **face issues in making payments**!\n\n### Cheq UPI lets foreigners pay digitally in India 🇮🇳\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/4bd562de-f083-45f2-aa36-84e50bd3beb6)\n\n1. Cheq provides NRIs/Tourists with a digital UPI wallet that can be used to purchase goods/services across 55mn+ merchants across India\n2. Users can add money to their Cheq wallet anytime, anywhere via their international debit/credit card 💳\n3. Purchasing INR through Cheq is much cheaper than exchanging currency at the airport. We strive to serve you for less.\n4. Having Cheq, lets you travel throughout India cashlessly. Your bank card details remain safe from ATM fraud and clone attacks.\n\n### People from 16 different nationalities are already using Cheq UPI\n\n[Meet our customers](https://www.youtube.com/watch?v=4Ct5WY9vOz4)\n\n[Renatha, from Brazil, goes cashless in India](https://www.youtube.com/shorts/L_w7OWK-Uqo)\n\n[Leo loves Cheq UPI](https://www.youtube.com/watch?v=LgI7HJTH8Uw&t=1s)\n\nNote: Cheq accounts can only be activated after the customer finishes in-person passport verification in India. We provide at-home verification facilities in more than 22 cities across India.\n\n### Pricing\n\nWe charge a one-time joining fee of Rs 800 (10$) to every customer. This covers the cost of verifying your profile and running our business.\n\n### Meet the team\n\nWe are [@Manish Shukla](https://www.linkedin.com/in/mkshukla/) and [@Sudhanshu Shekhar,](https://www.linkedin.com/in/sudshekhar02/) the co-founders of [@CheqUPI](https://www.chequpi.com). Both of us are passionate about finance and technology and we’ve known each other for 12 years now.\n\nHaving lived the life of an expat abroad, we’re empathetic to the problems being faced by them in the Indian market. Our goal with Cheq is to make life a little easier for every traveler visiting India.\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/c174b7e2-8d6c-43e5-8a06-658a93da2e82)\n\n### Can you help us grow? 🙏\n\n1. We just launched today on Product Hunt! If you actively use PH, please drop us an upvote 🙂 \\\n \n2. If you know any companies/startups frequently sending travelers to India, please put me in touch with their founders/representatives. We’ll provide them with the best fintech experience in India ✨ \\\n ( reach me at sudhanshu@[cheq.money](http://cheq.money) )\n3. If you’re traveling to India, [Download our app](https://link-to.app/chequpiwebsite)\n\nIf you have any questions/feedback on the services offered by Cheq, please don’t hesitate to reach out!\n\nThank you\n\n### Connect with us👇\n\n1. Cheq:\n 1. Product link: \n 2. Website: \n2. Founders\n 1. Sudhanshu - \n 2. Manish - ", "url": "https://www.ycombinator.com/launches/JDX-cheq-upi-digital-payments-for-nris-and-foreigners-in-india", "votes": 22, "created_at": "2023-08-07T18:38:34.759Z" } ] }, { "id": 29153, "name": "Coba", "slug": "coba", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/064ab4995b234ee61187e6d755a27338f57c5c90.png", "website": "https://www.coba.ai", "all_locations": "Monterrey, N.L., Mexico; Austin, TX, USA", "long_description": "Coba makes it easy for Mexican knowledge workers employed by US companies to earn in US Dollars and seamlessly spend locally in Pesos.\r\n\r\nOn average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way. These workers’ require more than simple money movement, they demand a financial solution that addresses their specific needs: banking, saving, spending - all in two currencies.\r\n\r\nCoba allows its users to not only deposit and save their earnings in a US account, but also access critical financial services at home in Mexico - from a local credit card to integrated bill pay. With Coba, remote workers can live across two currencies... efficiently and effortlessly.", "one_liner": "Dual Currency Accounts For LatAm", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1689886684, "tags": [ "Fintech", "Latin America", "Remittances", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "United States of America", "Latin 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/coba", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/coba.json", "year_founded": 2022, "city": "Monterrey", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/cobaremote", "x_url": "https://twitter.com/Cobaremote", "fb_url": "https://www.instagram.com/coba.remote/", "cb_url": null, "github_url": "https://github.com/coba-ai", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/064ab4995b234ee61187e6d755a27338f57c5c90.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/339260dbbbe5f4927d4326716c8fa978a91f8aee.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 819558, "full_name": "Abraham Kuri Vargas", "title": "Founder", "founder_bio": "CTO & Co-founder at Coba. B.S. in Computer Science & Technology who has been developing software since 18 years old. I've been working in web development for 10+ years. Ruby on Rails expert. I'm the author of APIs on Rails(http://apionrails.icalialabs.com/book). 3D Printing enthusiast", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abraham-kuri-vargas-b41a2126/", "x_url": "https://www.twitter.com/kurenn", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d66e4654d439e42219f2be18ee5f64d46580f77a.jpg" }, { "user_id": 810779, "full_name": "Eduardo Lopez De Leon", "title": "Founder", "founder_bio": "I am an entrepreneur with 10+ years of experience building companies around the software and technology fields in the Americas. Developer by training. Dad, Husband, Regio. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/elopezdeleon/", "x_url": "https://twitter.com/edolopez", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4aeb48386ceaf890f6d51a1722e0ce65ef2d9781.jpg" }, { "user_id": 819594, "full_name": "Carlos Alberto Medellin Gonzalez", "title": "Founder", "founder_bio": "Co-founder of Coba. Former CFO of Icalia Labs. Finance Degree from Tec de Monterrey, Masters Degree from Copenhagen Business School. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/camego", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c47ff3b87d37d90b3fd9cc2590a9b26c5a706825.jpg" } ], "jobs": [ { "id": 69207, "title": "Coba.ai Hiring | Full-stack developers for US-MX cross-border fintech (remote US or MX)", "url": "https://www.ycombinator.com/companies/coba/jobs/9wju4KE-coba-ai-hiring-full-stack-developers-for-us-mx-cross-border-fintech-remote-us-or-mx", "location": "MX / US / Remote (MX; US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$84K - $120K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "Ruby on Rails" ] }, { "id": 69208, "title": "Coba.ai Hiring | UI/UX designer for US-MX cross-border fintech (remote US or MX)", "url": "https://www.ycombinator.com/companies/coba/jobs/2cSKYwP-coba-ai-hiring-ui-ux-designer-for-us-mx-cross-border-fintech-remote-us-or-mx", "location": "MX / US / Remote (MX; US)", "type": "Full-time", "role": "Design", "role_type": "UI / UX", "salary_range": "$84K - $120K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "React Native", "Figma" ] }, { "id": 69209, "title": "Coba.ai Hiring | Marketing/G2M for US-MX cross-border fintech (remote US or MX)", "url": "https://www.ycombinator.com/companies/coba/jobs/9hV6Nxz-coba-ai-hiring-marketing-g2m-for-us-mx-cross-border-fintech-remote-us-or-mx", "location": "MX / US / Remote (MX; US)", "type": "Full-time", "role": "Design", "role_type": "UI / UX", "salary_range": "$50K - $80K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "React Native", "Figma" ] } ], "news": [ { "title": "Our favorite startups from YC's Summer 2023 Demo Day, Day 1 | TechCrunch", "url": "https://techcrunch.com/2023/09/06/ycombinator-demo-day-one-summer-2023/", "date": "Sep 06, 2023" } ], "launches": [ { "id": 73265, "title": "Coba 🇺🇸💸🇲🇽 — Dual currency accounts for LatAm", "tagline": "Earn in US Dollars and spend in Pesos. Live across two currencies.", "body": "[**Coba**](https://www.coba.ai/) allows international knowledge workers in Mexico to deposit their USD paychecks in US accounts and spend in pesos. One account…two currencies.\n\nHola 👋 ! We are the team behind Coba.\n\n![uploaded image](/media/?type=post&id=73265&key=user_uploads/891884/5561585a-e518-429a-bcf9-3f85a1bffa7a)\n\n### **🤔 The Problem**\n\nInternational knowledge workers earn in USD but live their day-to-day in Pesos. Moving money across borders is costly, complex and the existing banking infrastructure is slow. On average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way.\n\n### **💡 The Solution**\n\nCoba is the app where users can:\n\n* Access a single account to deposit their payroll, save in USD and send funds to Mexico.\n* Transfer Mexican Pesos to local bank accounts in seconds without fees and at competitive FX rates.\n* Receive a local credit card for daily expenses in Pesos that draws from their USD balance.\n\n**Earning and saving in USD… Living and spending in Pesos.**\n\n![uploaded image](/media/?type=post&id=73265&key=user_uploads/891884/b144f0dd-5495-4c5a-aa84-41c0c0ddea66)\n\n### **🇺🇸💸🇲🇽 How Do We Do It?**\n\n* **Trust**: Coba runs on existing, regulated banking infrastructure and tools\n* **Convenience**: A single app for two currencies\n* **Efficiency**: Proprietary payment rails mean more competitive FX rates and savings for our Users\n\n### **🇺🇸💸🇲🇽 Why Us?**\n\nFrom the Near-shoring capital of Latin America, Monterrey, MX, we live a cross-border reality. Not only have we employed remote teams across LatAm in the businesses we have operated, but we are remote workers ourselves and know first-hand the costs and complexity of moving money from USD to Pesos.\n\n### **🙏 The Ask**\n\nIf you currently have employees or friends in Mexico who are earning in USD and could benefit from an account, we would love to have them as early adopters. They can sign-up for our priority waitlist [**here**](https://coba.ai/onboarding.html).", "url": "https://www.ycombinator.com/launches/J3h-coba-dual-currency-accounts-for-latam", "votes": 34, "created_at": "2023-07-20T19:23:31.123Z" } ] }, { "id": 29154, "name": "Catamaran", "slug": "catamaran", "former_names": [ "Ultravity", "CatX" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0af944f6ad96c6f8c2095e8c485de560a528833.png", "website": "https://www.trycatamaran.com", "all_locations": "London, England, United Kingdom", "long_description": "Catamaran uses AI to help people make clearer, faster decisions about risk. Our platform brings all internal and external risk data into one easy-to-understand workspace. By automating data gathering, checking, and scenario testing, we help insurers, reinsurers, brokers, and investors quickly understand and manage their risks. Catamaran also provides a regulated marketplace to easily buy, sell, and manage insurance coverage.", "one_liner": "The AI-powered risk decision platform ", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687023200, "tags": [ "Machine Learning", "Finance", "Analytics", "Insurance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/catamaran", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/catamaran.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/catamaranrisk/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0af944f6ad96c6f8c2095e8c485de560a528833.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": 635059, "full_name": "Benedict Altier", "title": "Founder", "founder_bio": "Benedict has advised more than 10 leading insurers and asset managers working across insurance, reinsurance, and risk modeling. He is also a front-end developer with a decade's worth of experience designing and building web applications. He graduated with a 1st class degree in Chinese Studies from the University of Oxford. As a visiting student at Peking University, he advised leading Chinese technology companies including a spin-out from Baidu. ", "is_active": true, "linkedin_url": "https://uk.linkedin.com/in/benedict-altier-0041748b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1dab89abad066a8fdb09e97fb62b1a097a4d29d6.jpg" }, { "user_id": 1360323, "full_name": "Lucas Schneider", "title": "Founder/CTO", "founder_bio": "Building CatX to revolutionize risk transfer for insurers. Bringing my expertise in financial markets and investing to the insurance world. \n\nStarted my career in Credit Securitisation at Barclays in London where I structured and executed multiple transactions in excess of $10bn+ in value. Oxford PhD Candidate in Machine Learning for Gene Editing. Previously, leading the research team at a web3 hedge fund, focusing on infrastructure and decentralized finance investments.\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/lucas-sch", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/358ede5a7b0831d4ff15db816976f97505db9b0f.jpg" } ], "jobs": [], "news": [ { "title": "CatX Raises US$2.7 Million to Bring More Alternative Capital into the Insurance Sector | Insurtech Insights", "url": "https://www.insurtechinsights.com/catx-raises-us2-7-million-to-bring-more-alternative-capital-into-the-insurance-sector/", "date": "Nov 24, 2023" }, { "title": "Our favorite startups from YC's Summer 2023 Demo Day, Day 1 | TechCrunch", "url": "https://techcrunch.com/2023/09/06/ycombinator-demo-day-one-summer-2023/", "date": "Sep 06, 2023" }, { "title": "Risk exchange start-up CatX accepted into Y Combinator accelerator - Artemis.bm", "url": "https://www.artemis.bm/news/risk-exchange-start-up-catx-accepted-into-y-combinator-accelerator/", "date": "Jun 23, 2023" } ], "launches": [ { "id": 88573, "title": "Catamaran: Intelligent Catastrophe Risk Analysis and Underwriting 🌊", "tagline": "The smartest way to analyze natural catastrophe risks for any property, location, or business.", "body": "Hey YC! We’re the CatX team, and we are excited to announce the launch of [Catamaran 2.0](https://trycatamaran.com/)—the smartest way to analyze natural catastrophe risks for any property, location, or business.\n\n🔍 **Problem**\n\nOrganizations today struggle with outdated, slow, and expensive processes for assessing natural catastrophe risks. Traditional tools lack comprehensive insights, require significant manual effort, and leave critical gaps in understanding how disasters like wildfires, hurricanes, earthquakes, and severe weather could impact their assets and portfolios.\n\n💡 **Our Solution**\n\nCatamaran makes catastrophe risk analysis effortless and powerful. Just upload your property details or any relevant documents, and Catamaran instantly generates comprehensive risk insights using extensive historical data across all major catastrophe perils—including wildfires, hurricanes, earthquakes, typhoons, weather, hail and more.\n\n\n\nPowered by advanced AI agents, Catamaran quickly identifies errors, provides clarity from complex datasets, and delivers insights previously only available through costly, manual underwriting.\n\nWe spent the past two years helping institutional investors understand, model, and invest in catastrophic risk. Frustrated by outdated workflows in underwriting and risk assessment amidst modernizing processes everywhere else, we built Catamaran as our solution.\n\n⚡ **What Catamaran Can Do:**\n\n* 📚 **Historical Risk Analysis:** Evaluate location-specific risk profiles based on hundreds of years of historical data.\n* 🛡️ **Optimal Insurance Protection:** Automatically identify the best insurance structures—parametric or traditional—tailored to your unique risk exposure.\n* 📄 **Advanced Document Extraction:** Effortlessly process complex, unstructured documents to rapidly extract key insights.\n* 📈 **Calculate Loss & Scenario Analysis:** Instantly conduct sophisticated scenario analyses to quantify potential losses for proactive risk management.\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/e8343eea-4ad1-4a95-8674-d2a4e1d2bfb8)\n\n⚙️ **Use Cases**\n\n* 🏦 **Insurers:** Accelerate underwriting, cut costs by up to 90%, and precisely manage portfolio risks.\n* 📊 **Brokers:** Transform your quoting process with faster, more accurate risk assessments.\n* 🏢 **Businesses & Investors:** Confidently evaluate and manage catastrophe risk exposure across investments, portfolios, and operations.\n* ⚖️ **Regulators:** Enhance regulatory oversight and compliance with transparent, data-driven risk analytics.\n* 🛠️ **Developers:** Easily integrate catastrophe risk analytics into your apps using our developer-friendly API\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/de65f188-e565-4c35-99e7-4a149dfc73fb)\n\n👥 **The Team**\n\nCatamaran is built by the CatX technology team led by:\n\n**Benedict Altier**, insurance consultant with experience modeling programs for leading insurers like AXA, Beazley, and MS Amlin, ex-Oxford.\n\n**Lucas Schneider**, Oxford PhD candidate in Machine Learning, ex-Barclays Investment Banker, ex-McKinsey.\n\n**Jon Wood**, formerly on the retro leadership team at top insurance broker AON and previously at Guy Carpenter (Marsh) and Willis.\n\n**Matthew Salamon**, experienced software developer formerly at AON, PwC and Balancer.\n\n🙏 **Our Ask**\n\nIf you manage or insure properties at risk, we'd love to show you how Catamaran can streamline your process and enhance your decision-making:\n\n\\- Email us directly: [catamaran@catxglobal.com](mailto:benedict@catx.re)\n\n\\- Schedule a quick demo here: \\[[trycatamaran.com](http://trycatamaran.com)\\]()\n\nCatamaran: The future of intelligent catastrophe risk analysis.\n\n– Benedict, Lucas & the CatX Team\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/5ec96af3-9467-4beb-9127-d6aa336ed3af)\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/a70b0e67-95fe-4e9a-aaf4-c5f74b643729)\n\n", "url": "https://www.ycombinator.com/launches/N2b-catamaran-intelligent-catastrophe-risk-analysis-and-underwriting", "votes": 45, "created_at": "2025-03-13T17:17:13.085Z" }, { "id": 72510, "title": "CatX - the digital marketplace for insurance risk", "tagline": "We are the best way for insurance companies to offload risk and for asset managers to invest in an attractive, uncorrelated asset class. ", "body": "CatX is a digital marketplace connecting insurance carriers with institutional investors to trade and transfer insurance risk efficiently. We help to make insurance risk models understandable and accessible for asset managers so they can unlock new sources of return. In addition, we streamline and digitalize the entire risk transfer process, so insurers can get faster, cheaper access to capital from our partner funds.\n\n**❌ The Problems:**\n\n1. **Rising hedging and funding costs for insurers,** US property rates are up 265% over a six-year period\n2. **Highly inefficient risk transfer markets,** with average cost ratios of 40% remaining largely unchanged despite recent technological advancements\n3. **Slow and expensive set-up and structuring processes** when issuing new insurance-linked products, involving multiple parties\n4. **Little secondary market liquidity for insurance-linked securities** due to their complex economics and limited availability of risk models\n5. **Poor analytics or data-drive insights** for understanding novel areas of risks\n\n**💡Our Solution**\n\nCatX addresses these challenges by simplifying the market and providing access to world’s most advanced modeling technologies directly within our platform. In addition, we streamline the origination process, including legal setup and pricing, and offer an electronic secondary trading venue coupled with sophisticated analytics.\n\nCatX helps:\n\n* **Insurers** to access capital at **better rates** through direct capital markets access,\n* **Investors** to unlock new investment opportunities in an uncorrelated asset class,\n* **Protection buyers** find more efficient structures to offload risks, reducing the protection gap for novel and emerging risks.\n\n ![uploaded image](/media/?type=post&id=72510&key=user_uploads/1360323/ca917659-8d2c-4371-a236-a1fc95a58903)\n\n\n**🙏Our Ask**\n\nConnect us with\n\n* **Investors** interested in accessing new sources of uncorrelated returns,\n* **(Re)insurers** looking for access to more flexible capital at better rates,\n* **Businesses** looking to more efficiently transfer risks (property, weather, energy, cyber)\n* **Risk model providers** seeking new distribution opportunities.\n\n**✉️ Contact**\n\nIf you have any questions or suggestions, feel free to reach out to [Ben](https://www.linkedin.com/in/benedict-altier-0041748b/) or [Lucas](https://www.linkedin.com/in/lucas-sch/) directly or email [founders@catxglobal.com](mailto:founders@catxglobal.com).", "url": "https://www.ycombinator.com/launches/IrW-catx-the-digital-marketplace-for-insurance-risk", "votes": 23, "created_at": "2023-06-24T19:31:35.892Z" } ] }, { "id": 29162, "name": "Flex", "slug": "flex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6db50cb8b7d8269f3c2b9ce2c300b8dd5e7d0bab.png", "website": "https://www.withflex.com/shop", "all_locations": "Remote", "long_description": "Flex is a payment platform for businesses to accept HSA/FSA, unlocking the $150B per year sitting in HSA/FSA accounts. \r\n", "one_liner": "Stripe for HSA/FSA payments", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690520542, "tags": [ "Fintech", "Marketplace", "Health & Wellness" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "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/flex", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/flex.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/withflex/", "x_url": "https://twitter.com/paywithflex", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6db50cb8b7d8269f3c2b9ce2c300b8dd5e7d0bab.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": 6343, "full_name": "Sam O'Keefe", "title": "Founder", "founder_bio": "Sam is a cofounder at Flex. Her previous roles include product leadership at a growth stage fintech (Unit21), EIR in Area120, and global head of startup programs at Google, and an editor at TechCrunch. Sam has also been a writer and producer of South of Market, the Musical.\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/samokeefe", "x_url": "https://www.twitter.com/samok", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3a1effdc76f0cba24fee1b311ef5d36bc41e835.jpg" }, { "user_id": 1509340, "full_name": "Miguel Toledo", "title": "Founder", "founder_bio": "Miguel is a cofounder at Flex. Previously built software to make machine learning infrastructure and data pipelines work at Lyft Level 5, fraud and AML products at Unit 21, and monitoring systems at Google Cloud.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/migueltol22/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ac3d7ae747618ec5283495193be65b233bbdc491.jpg" } ], "jobs": [ { "id": 65864, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/flex/jobs/XE6Guz3-software-engineer", "location": "US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$165K - $212K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "React", "Rust", "TypeScript" ] } ], "news": [ { "title": "Flex Raises $15M to Unlock $150B in Unused HSA/FSA Funds", "url": "https://www.withflex.com/blog/flex-raises-15m-to-unlock-150b-in-untapped-pre-tax-spending-for-health-wellness-retailers", "date": "Sep 02, 2025" }, { "title": "Flex raises $3.2M seed for D2C health account payments", "url": "https://www.axios.com/pro/fintech-deals/2024/09/04/flex-d2c-health-account-payments-seed", "date": "Sep 04, 2024" } ], "launches": [ { "id": 86397, "title": "Flex Market: Marketplace for HSA/FSA", "tagline": "Save 30% on health & wellness products by shopping with your HSA/FSA", "body": "We’re excited to introduce [Flex Market](https://www.withflex.com/shop), a new marketplace designed to make health and wellness more accessible.\n\nHere’s a glimpse of what you’ll find on Flex Market:\n\n* **🏋️‍♀️** Fitness programs and equipment\n* 🧴 Supplements \n* 💆‍♀️ Sleep and recovery products\n* ⌚ Wearables \n* 🏥 Traditional OTC health products (eyeglasses, women’s health products etc)\n\n![uploaded image](/media/?type=post&id=86397&key=user_uploads/6343/178a211a-9313-4e35-af74-717bc445d4ed)\n\n**Why Flex Market is Unique**\n\nFor products like supplements, fitness equipment or other “dual use” items, consumers are required to have a doctor's note, or Letter of Medical Necessity (LMN), to qualify to spend their HSA/FSA funds. \n\nFlex is the only place where consumers can both shop for traditional healthcare products (think what you might expect to find at a CVS) as well as those items that require a Letter of Medical Necessity (LMN). For those that require the latter, consumers can initiate a two minute telehealth consultation immediately, qualify, and receive their LMNs later that day.\n\n![uploaded image](/media/?type=post&id=86397&key=user_uploads/6343/67901886-4948-4208-807e-b72e1d912ecc)\n\n**Quick HSA/FSA Background**\n\nHealth Savings Accounts and Flexible Spending Accounts are tax advantaged accounts that are designated to be spent on healthcare related purchases. Historically these funds have only been able to be spent on trips to the doctor’s office or buying items at CVS. \n\nFSAs are use-it-or-lose-it, meaning that at the end of the year any funds that aren't spent are forfeited. On average, individuals lose about $450 per year, resulting in nearly $10B of lost benefits.\n\n**Why it Matters**\n\nFlex Market isn’t just a shopping platform – it’s part of a larger mission to make health and wellness more accessible.\n\nBy addressing the barriers of traditional HSA/FSA spending, we’re helping people:\n\n* Avoid forfeiting their hard-earned HSA/FSA funds\n* Discover new ways to invest in their health\n* Making health products and services more accessible\n\n**Check Us Out Today!**\n\nIf you or someone you know has FSA funds to spend before year-end or is gearing up for health-related purchases as part of a New Year’s resolution, check out [Flex Market!](https://www.withflex.com/shop) If you’re interested in seeing your brand on the marketplace, reach out to us [here.](https://www.withflex.com/contact)\n\nThanks so much for your support – and here’s to a healthier 2025! 💪", "url": "https://www.ycombinator.com/launches/MTV-flex-market-marketplace-for-hsa-fsa", "votes": 15, "created_at": "2024-12-18T17:21:25.934Z" }, { "id": 73539, "title": "💪 Flex: Stripe for HSA/FSA payments", "tagline": "We enable businesses to unlock the $120B per year sitting in HSA/FSA accounts.", "body": "**TL;DR** - Flex is Stripe for HSA/FSAs\\*. We enable businesses to unlock the $120B per year sitting in HSA/FSA accounts. To learn more or start accepting HSA/FSA payments, email [partners@withflex.com](mailto:partners@withflex.com).\n\n**PROBLEM**\n\nToday, HSA/FSAs can only be spent at medical institutions or large retailers that have specific inventory management systems in place to comply with IRS regulations.\n\nAs a result many consumer wellness, fitness, nutrition, and even e-commerce companies selling health related products are not able to accept HSA/FSAs. \n\nThese businesses are missing out on 60M American consumers who are looking to spend $120B per year from their HSA/FSA accounts on health related products and services.\n\n**SOLUTION**\n\nFlex is a payment platform for businesses to accept HSA/FSA cards. \n\nWe provide a prebuilt, hosted checkout page or UI building blocks to integrate HSA/FSA payments directly into your existing payments flow. \n\nWe know how critical your checkout flow is so Flex pages are thoughtfully designed to optimize conversion.\n\n**HOW IT WORKS**\n\nFor [pre-approved items by the IRS](https://www.irs.gov/publications/p502#en_US_2022_pu): Flex checks your inventory against the most up to date IRS approved products list and it processes the FSA or HSA payment, and keeps the necessary records in the case of an audit.\n\nFor non-pre-approved items: Flex’s asynchronous telehealth team assesses medical necessity and can issue the required paperwork to make your product or service HSA/FSA eligible for the customer — all in a streamlined checkout flow.\n\n![uploaded image](/media/?type=post&id=73539&key=user_uploads/6343/927924de-af6b-4596-9f0e-e9d4c0e3dfe8)\n\n_(Checkout flow with telehealth intake form.)_\n\n**TEAM**\n\nWe’re Sam and Miguel! We met working together at a growth stage at fintech company, Unit21. We’re both lifelong athletes, and started Flex because we believe we can improve people’s lives by making healthy habits more accessible.\n\n![](https://lh6.googleusercontent.com/0hhGyZ9IuCFZkpaxuzoVFghZLgb7v5ExY518_dAHcfS-q7HqdRfVPnU-wOttzSfX0aSjPlHRl73BkpgOjgddEgKXp1qufEtrE_DXZz1_IyVgzzp1YM7GcfoNV7-O3fSqB14Of6RTsHvn6Hbuo_Hua20)\n\n\\***_Background - What are HSA/FSAs?_**\n\n_HSAs (Health Savings Account) and FSAs (Flexible Savings Accounts) are accounts that allow you to set aside pre-tax money to spend on health related purchases. Since you aren't being taxed on the money you put into the account, anything you spend it on is effectively \\~30% cheaper._ ", "url": "https://www.ycombinator.com/launches/J87-flex-stripe-for-hsa-fsa-payments", "votes": 47, "created_at": "2023-07-28T14:46:12.162Z" } ] }, { "id": 29181, "name": "Event Horizon Labs", "slug": "event-horizon-labs", "former_names": [ "EmergentAGI", "SciPhi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/952b6381b227fe13913d082e7f9bdec4731e8adb.png", "website": "https://www.ehl.markets/", "all_locations": "San Francisco, CA, USA", "long_description": "We are scaling autonomous research, Markets are our verification loop: agents turn hypotheses into strategies, test them, and compound what survives. \r\n", "one_liner": "AI research lab automating all of investing", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1710132587, "tags": [ "Finance", "Investing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/event-horizon-labs", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/event-horizon-labs.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/952b6381b227fe13913d082e7f9bdec4731e8adb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [], "jobs": [ { "id": 89199, "title": "Founding Research Engineer", "url": "https://www.ycombinator.com/companies/event-horizon-labs/jobs/WTS8qWs-founding-research-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "1.00% - 3.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Machine Learning" ] }, { "id": 90937, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/event-horizon-labs/jobs/xGQicps-founding-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "1.00% - 3.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Python" ] } ], "news": [], "launches": [ { "id": 88711, "title": "R2R: Open-Source Agentic Retrieval System with Deep Research API", "tagline": "Enterprise-grade Deep Research API for Your Data plus the Web", "body": "### TL;DR\n\n**R2R** is an open-source system that extends beyond conventional RAG by adding autonomous research capabilities across your documents and the web. After processing large document collections in production environments, we developed the Deep Research API to help applications better connect and synthesize information from multiple sources. R2R is available as both a cloud service and self-hostable solution.\n\n**Cloud App Signup:** [app.sciphi.ai](http://app.sciphi.ai) (generous free tier, no credit card required)\\\n**GitHub:** [R2R](https://github.com/SciPhi-AI/R2R)\n\n### Demo\n\n![uploaded image](/media/?type=post&id=88711&key=user_uploads/372342/15328b62-f902-4d58-b559-8360b3468618)\n\n### The Problem\n\nTraditional RAG systems have fundamental limitations:\n\n* They match queries to documents but lack multi-step reasoning\n* Complex questions require manual investigation across multiple sources\n* Information synthesis remains a largely human task\n* Citation tracking and verification are often missing\n* The reasoning process remains opaque\n\nThese limitations create inefficiencies when dealing with complex information needs.\n\n---\n\n### Our Solution\n\nThe Deep Research API provides:\n\n* Multi-step reasoning across documents and web sources\n* Knowledge graph generation to establish connections between information\n* Chained research workflows for exploring complex topics\n* Citation-backed answers with source attribution\n* Real-time visibility into the agent's thinking process\n* RESTful endpoints for straightforward integration\n\n---\n\n![uploaded image](/media/?type=post&id=88711&key=user_uploads/372342/9d86d7c9-d1df-4d47-a3ad-b126b12c3941)\n\n---\n\n# **Key Features**\n\n**Research Capabilities**\n\n* Research Agent: Advanced reasoning with computational tools\n* Extended Thinking: Configurable reasoning depth with model support\n* Citation Tracking: Source attribution for verification\n\n**Platform Components**\n\n* Multimodal Ingestion: Support for .txt, .pdf, .json, .png, .mp3, and more\n* Hybrid Search: Semantic and keyword search with reciprocal rank fusion\n* Knowledge Graphs: Entity and relationship extraction\n* User/Document Management: Authentication and collection organization\n\n### Why Now?\n\nLLMs are evolving toward better reasoning, but simply uploading all data to models is costly and error-prone. Agentic RAG solves the \"when/what to retrieve\" challenge, ensuring LLMs access the right information, especially for enterprise applications with diverse data. Teams need less DevOps and faster market entry without debugging embeddings or managing infrastructure.\n\n---\n\n### Our Ask\n\nAre you building advanced AI solutions that demand deeper reasoning over your own data? Tired of kludging multiple services together?\n\n* **Sign up** at [app.sciphi.ai](http://app.sciphi.ai) (free tier included).\n* **Dive into repo** on [Github](https://github.com/SciPhi-AI/R2R)\n* **Book an exploratory call** [here](https://calendly.com/owen-uzg/sciphi-demo)\n\n---\n\n### About Us\n\nWe’re a team of AI veterans who contributed heavily to the open-source R2R project. Seeing how complicated “truly agentic” retrieval can be, we launched **SciPhi Cloud**—so you can enjoy advanced retrieval and multi-step reasoning at scale without the infrastructure burden.", "url": "https://www.ycombinator.com/launches/N4p-r2r-open-source-agentic-retrieval-system-with-deep-research-api", "votes": 18, "created_at": "2025-03-17T18:17:03.540Z" }, { "id": 79568, "title": "SciPhi - Build, deploy, and optimize AI retrieval", "tagline": "An open source platform that enables developers to build the best RAG system.", "body": "**TL;DR**: [SciPhi](https://www.sciphi.ai/) is a **cloud platform** that simplifies the deployment and optimization of production-ready Retrieval-Augmented Generation (**RAG**) pipelines for developers. Built on top of the robust **open source** **R2R** framework, SciPhi enables builders to focus on creating innovative applications rather than managing infrastructure.\n\n[**SciPhi Cloud Demo**](https://www.youtube.com/watch?v=ANWAGCzGQUU&ab_channel=redfauna101)\n\n**The Problem**\n\nRAG is fundamentally a search problem, and search at scale is hard. While deploying a basic RAG pipeline is relatively straightforward, scaling it to meet the diverse needs of a growing user base and/or dataset presents significant challenges. As indexed data grows, query times can slow down, leading to a diminished user experience. Further, different users will have varying complaints about system performance, depending on their specific use case and data set.\n\n**📦 SciPhi's Solution**\n\n* Seamless deployment of RAG pipelines to the cloud in just a few clicks\n* Customizable configurations via an intuitive config.json file to specify vector DB, embedding settings, LLMs, etc.\n* Secure secret management to encrypt and store API keys and other sensitive info\n* Automatic scaling to handle increased traffic and data volumes as your app grows\n* Built-in monitoring, logging, and A/B testing to gain insights and optimize performance \n\n![uploaded image](/media/?type=post&id=79568&key=user_uploads/372342/4fa047ca-3982-4c2d-b0f9-f1ea5d48c348)\n\n![uploaded image](/media/?type=post&id=79568&key=user_uploads/372342/0f4b026d-ba30-4526-ba9d-5d3019a76df2)\n\n![uploaded image](/media/?type=post&id=79568&key=user_uploads/372342/3208055b-d3f6-43b8-b8dc-394621376af4)\n\n![uploaded image](/media/?type=post&id=79568&key=user_uploads/372342/2f7fc1cf-3fb1-4909-a61c-e6e8814946a5)\n\n**Meet the Founder**\n\nSciPhi was founded by [Owen](https://www.linkedin.com/in/owencolegrove/) (CEO), who brings a unique perspective to the world of RAG. With a PhD in particle physics and experience creating quantitative research strategies at Citadel, Owen understands the challenges of working with large-scale data systems. As a second-time founder, he grew frustrated by the lack of tooling available to optimize RAG pipelines while building an open-source semantic search engine+agent. This experience started him on the path to creating SciPhi.\n\n**Our Ask**\n\n* 🚀 Sign up for early access at [app.sciphi.ai/login](https://app.sciphi.ai/login)\n* 💬 Join our [Discord](https://discord.gg/p6KqD2kjtB) community to connect with other RAG enthusiasts\n* [⭐](https://emojipedia.org/star) Check out the [R2R Github repository](https://github.com/SciPhi-AI/R2R/tree/main) and leave us a star\n* 🙌 Share this post with developers and teams looking to harness RAG in production\n\nWe're on a mission to empower developers to build state-of-the-art RAG pipelines. If that resonates, come build the future with us! Reach out to [founders@sciphi.ai](mailto:founders@sciphi.ai) to chat.", "url": "https://www.ycombinator.com/launches/KhM-sciphi-build-deploy-and-optimize-ai-retrieval", "votes": 89, "created_at": "2024-03-21T14:18:21.767Z" } ] }, { "id": 29293, "name": "SuretyNow", "slug": "suretynow", "former_names": [ "SuretyNow", "BondCenter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "website": "https://suretynow.com/", "all_locations": "Austin, TX, USA", "long_description": "Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. \r\n\r\nSuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.", "one_liner": "The Modern Surety Bond Platform", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706734566, "tags": [ "Fintech", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/suretynow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/suretynow.json", "year_founded": 2022, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/withsuretynow", "x_url": "https://twitter.com/suretynow", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/suretynow", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1015891, "full_name": "Bruce Chi", "title": "Founder/CEO", "founder_bio": "Previously worked as a McKinsey consultant and Indeed product manager, I led a team of offshore engineers to build an Upwork competitor differentiated by a focus on graphic design. Was an economics major in college but mastered advanced Spanish through extensive travels across Latin America. I enjoy reading about geopolitics, spelunking, and perfecting my freestyle stroke. \n", "is_active": true, "linkedin_url": "https://linkedin.com/in/bchi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a75127f4390f177d2dcd62a0b9c5060b39f96ed2.jpg" }, { "user_id": 590902, "full_name": "Jay Xiao", "title": "Founder/President", "founder_bio": "Co-founder @ SuretyNow", "is_active": true, "linkedin_url": "https://linkedin.com/in/yjwxiao", "x_url": "https://twitter.com/yjwxiao", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fa3d4fc57139e9df8dc7167170e7f4685561ebf8.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29298, "name": "Greenboard", "slug": "greenboard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b27383428d763a236956940e76e892fc851162b4.png", "website": "https://www.greenboard.com", "all_locations": "New York City, NY, USA", "long_description": "At Greenboard, we're building the future of financial compliance. Greenboard is the unified, AI-native compliance operating system for RIAs, fintechs, private funds, hedge funds, and more. It replaces the fragmented mix of legacy tools and automates more than previously possible. By centralizing data and workflows, Greenboard helps firms reduce regulatory risk, simplify their technology stack, modernize how they run compliance, and save money. \r\n\r\n\r\nGreenboard's mission is to enable financial institutions to operate their back office teams at a higher standard, with half of the headcount. We’re starting with compliance", "one_liner": "Modern OS for the financial back office. ", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1700498020, "tags": [ "Fintech", "SaaS", "Compliance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "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/greenboard", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/greenboard.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/greenboard-compliance/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b27383428d763a236956940e76e892fc851162b4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 436183, "full_name": "Dave Feldman", "title": "Founder/CEO", "founder_bio": "Prior to founding Greenboard, Dave worked in Product at Guideline, where he led teams that built core systems including Guideline’s financial recordkeeping engine. Before that, Dave led Hive AI’s joint venture with Bain & Company.\n\nDave holds a BS in Chemical and Biomolecular Engineering and an MS in Computer Science from Johns Hopkins University. In his spare time, Dave is an avid outdoorsman who enjoys hiking, sailing, and downhill skiing.", "is_active": true, "linkedin_url": "https://linkedin.com/in/david-feldman", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5f0b7909c14f54e4a000872d459844b249c0b669.jpg" }, { "user_id": 504880, "full_name": "Edward Schembor", "title": "Founder/CTO", "founder_bio": "Before Greenboard, Ed led Product for Amazon's search navigation experience and worked on the founding Amazon Fashion catalog team. Before that, Ed worked as an engineer scaling Amazon's email-based product recommendation systems and on the internal machine learning team that eventually went on to become AWS Sagemaker. Ed holds a BS in Computer Science from Johns Hopkins University. Outside of work, Ed boulders and explores the NYC food scene.", "is_active": true, "linkedin_url": "https://linkedin.com/in/edwardschembor", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3fd8c0d56a7a15723cf7a991c98bb7c12da36c82.jpg" } ], "jobs": [ { "id": 75854, "title": "Sr. Software Engineer", "url": "https://www.ycombinator.com/companies/greenboard/jobs/bSRbcV3-sr-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 75855, "title": "Full-Stack Software Engineer", "url": "https://www.ycombinator.com/companies/greenboard/jobs/LnGJvRx-full-stack-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$140K - $180K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110615, "title": "AI Automation Engineer", "url": "https://www.ycombinator.com/companies/greenboard/jobs/uuDMjBY-ai-automation-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "QA engineer", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114397, "title": "Content Marketing Manager", "url": "https://www.ycombinator.com/companies/greenboard/jobs/MJchXkw-content-marketing-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$130K - $160K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114406, "title": "Enterprise Account Executive ", "url": "https://www.ycombinator.com/companies/greenboard/jobs/nf0h8ZX-enterprise-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$225K - $350K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Compliance software startup Greenboard raises $4.5M seed", "url": "https://www.axios.com/pro/fintech-deals/2024/05/08/compliance-software-startup-greenboard-raises-seed", "date": "May 08, 2024" } ], "launches": [ { "id": 78359, "title": "Greenboard — \"Rippling\" for financial compliance & operations", "tagline": "Fintechs, private funds, and wealth managers use Greenboard to consolidate compliance software and detect risk using AI ", "body": "Hi 👋, we’re [Dave](https://www.linkedin.com/in/david-feldman/) and [Ed](https://www.linkedin.com/in/edwardschembor/), cofounders of [Greenboard](https://www.greenboard.io/).\n\n### **TLDR;**\n\nGreenboard allows financial firms to consolidate financial compliance software onto a single, easy-to-use platform. Cost-savings and streamlined experience are often what drive customers to sign - but the real magic of Greenboard happens when we aggregate our customers’ relevant data onto a single platform that uses AI to detect risk faster and more reliably than previously possible.\n\nIf you’re a fintech or compliance leader get in touch at [founders@greenboard.io](https://mailto:founders@greenboard.io).\n\n### **The problem:** financial compliance software is fragmented and bad. Maintaining compliance is hard.\n\nIn addition to paying for software, financial firms currently hire expensive consultants and large compliance teams to help maintain compliance, but this isn’t really working. Some recent examples:\n\n* [\\~$300M in fines handed out to big banks for not archiving communications](https://www.sec.gov/news/press-release/2023-149)\n* [$100M lawsuit between a regulated firm and their consultants over an egregious compliance violation](https://www.bloomberg.com/opinion/articles/2024-01-25/sure-blame-the-compliance-consultant)\n\n### **Our solution:** consolidated, human-centric software to drive a culture of compliance. AI to detect risk faster and more reliably than ever before.\n\nFinancial compliance teams today often pay for 2+ different software solutions for things like communications archiving, compliance program management, screening trades for conflicts of interest, tracking and approving marketing content, etc.\n\nGreenboard changes this by bringing all core compliance functionality onto a single platform (starting with the compliance needs of RIAs). See [greenboard.io](https://www.greenboard.io/features) for more info.\n\n![](https://greenboard-uploads.s3.us-west-1.amazonaws.com/site/flows.svg)\n\n![](https://greenboard-uploads.s3.us-west-1.amazonaws.com/site/transaction_data.svg)\n\nThe dynamics of the space remind us of HR/IT software pre-Rippling in a few ways:\n\n* A lot of fragmented functionality is needed on top of a core system of record. A lot of the needed functionality ultimately comes down to CRUD operations + collaborative tooling.\n* Clear sets of power users exist (compliance teams for us, HR people at Rippling) but everyone in an organization needs a login\n* Spend on software matters in non-revenue generating areas, and many organizations would love to consolidate vendors.\n\n### **Humans, machines, and the future of financial compliance**\n\nA super reductive checklist on how to maintain financial compliance looks something like this:\n\n1. Keep detailed records of dozens of things having to do with your business, employees, and customers\n2. Examine these records and look for bad (non-compliant) things that might be happening\n3. Address the bad things that you found and put processes in place to prevent these things from happening in the future\n\nCurrently, the technology adoption rate is high for 1) and low for 2) and 3).\n\nIt wasn’t always the case that financial firms could count on cheap hard drives and cloud computing to keep records. Not long ago when filing cabinets (and file rooms) were the norm recordkeeping required substantial resources. It turns out that computers are cheaper and better than humans at storing files by such a wide margin that there are no longer roles for file clerks in the economy.\n\nOur thesis is that GPU-powered computational statistics will similarly transform step 2) above. Ultimately machines, not humans, will prove to be meaningfully better at examining records for _potential_ compliance issues so compliance people can make determinations on compliance risk and mitigation.\n\n### **Asks**\n\nIf you’re a fintech or compliance leader we’d love to hear from you. You can reach us at [founders@greenboard.io](https://mailto:founders@greenboard.io).", "url": "https://www.ycombinator.com/launches/KNr-greenboard-rippling-for-financial-compliance-operations", "votes": 31, "created_at": "2024-02-12T21:58:29.466Z" } ] }, { "id": 29303, "name": "Panelytic", "slug": "panelytic", "former_names": [ "Panelytic", "Nemea", "Token Owl", "TokenOwl" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/411e3f1da139551735b5ab4a397f77750d3f469d.png", "website": "https://panelytic.com/", "all_locations": "New York City, NY, USA", "long_description": "Payments, identity, and financial controls for autonomous machines.\r\n\r\n", "one_liner": "Payment infrastructure for machines", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1711575762, "tags": [ "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "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/panelytic", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/panelytic.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/411e3f1da139551735b5ab4a397f77750d3f469d.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": 1617573, "full_name": "Colin Holter", "title": "Founder/CEO", "founder_bio": "Colin is the CEO of Panelytic. He studied at Duke after matriculating at the University of Washington at age 14. Previously, he was a technical lead at IncQuery.", "is_active": true, "linkedin_url": "https://linkedin.com/in/colin-holter-ab1118116", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73b54fd8e2c550e40ac63ab7c3a0d85614df0c0e.jpg" }, { "user_id": 1651387, "full_name": "Amith Vanmane", "title": "Founder/CTO", "founder_bio": "Amith is the CTO of Panelytic. Prior to YC, he was getting his Master's in Computer Science at the University of Chicago. Before that, he was a software development engineer at Amazon.", "is_active": true, "linkedin_url": "https://linkedin.com/in/amith-vanmane", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/edd17fa0c1822edd95fd91b0940f70cd0ca4dd6d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29307, "name": "Blume Benefits", "slug": "blume-benefits", "former_names": [ "Blitz AI", "Blume" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ea369712455e4db27cb24aae44230d83a5b836.png", "website": "https://www.blumebenefits.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Blume is a web-based care navigation platform that helps patients understand their health benefits, find the right care, and confidently navigate the healthcare system. Offered through insurance brokers, Blume gives patients easy, free access to personalized support while helping brokers deliver more value to their clients and improve the member experience.", "one_liner": "The AI copilot for health insurance brokers.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706634406, "tags": [ "Health Insurance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "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/blume-benefits", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/blume-benefits.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/blumebenefits/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ea369712455e4db27cb24aae44230d83a5b836.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 827967, "full_name": "Aditya Joshi", "title": "Founder", "founder_bio": "Hey! I am Aditya Joshi. I grew up in Wichita, Kansas and have been interested in healthcare since I was 13. I've had the opportunity to work in clinics, labs, hospital systems, and an insurance carrier. Now, I'm excited to be exploring and building for a new, but deeply interesting, facet of the ecosystem: health insurance brokerages.", "is_active": false, "linkedin_url": "https://linkedin.com/in/adityajoshi101", "x_url": "https://twitter.com/Adityaj101", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7af6f66e9c45ebc7929027b2b5cebbb4de2bfc8e.jpg" }, { "user_id": 1211344, "full_name": "Ethan Hou", "title": "Founder", "founder_bio": "Founder", "is_active": false, "linkedin_url": "https://linkedin.com/in/ethan-hou10", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/08674f0ee0965bf332f334e7c9d09f714a7e5ce1.jpg" }, { "user_id": 1139786, "full_name": "Varun Verma", "title": "Founder", "founder_bio": "Building care navigation tools at Blume.", "is_active": false, "linkedin_url": "https://linkedin.com/in/tranquilvarun", "x_url": "https://twitter.com/TranquilVarun", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/865fcb0cbbc045eed6b636603de9c71d0bf3b916.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 77958, "title": "🌻 Blume: Back Office Automation for Health Insurance Brokers", "tagline": "A unified data platform for brokers to scale their book of business.", "body": "Hey everyone! We’re [Aditya](https://www.linkedin.com/in/adityajoshi101/), [Ethan](https://www.linkedin.com/in/ethan-hou10/), and [Varun](https://www.linkedin.com/in/tranquilvarun/) building [Blume Benefits](https://www.blumebenefits.com/).\n\n![uploaded image](/media/?type=post&id=77958&key=user_uploads/827967/523665ce-c9cb-4617-8331-18a90104a8f3)\n\n**TL;DR 📌**\n\nBlume Benefits automates health insurance sales for brokers. Today, health insurance brokers spend an average of **11 hours a week on manual data entry**. Blume helps brokers manage quotes, renewals, and revenue ops all in one place without having to manually enter a single keystroke of data.\n\n**The Problem ❌**\n\nObtaining health insurance is such a complex task that a $104 billion-dollar industry exists to help employers navigate the buying, negotiating, and administering of health insurance for their employees.\n\nHealth insurance brokers, the stewards of these transactions, have to manage thousands of complex relationships every year. From negotiating commissions and quotes with insurance carriers to managing contract renewals and compliance for their clients, health insurance brokers find themselves using a fragmented set of programs to store and manage all of this information. Constantly, data and reminders fall through the cracks resulting in **thousands of dollars in lost commissions**, botched renewals, and an artificially capped book of business.\n\n**The Solution ✨**\n\nBlume was created to streamline the relationships that brokers have to manage with their clients and the insurance carriers they work with. On Blume, brokers can:\n\n* Turn unstructured quotes into presentable and understandable formats for their clients.\n* Automate insurance carrier commission statement reconciliation and revenue recovery.\n* Consolidate information about their customers to prioritize their work, ensure no clients are left underserved, and catch problems with plan designs before employees run into them in the clinic.\n\nBy consolidating all of these tools, we are building toward a world where health insurance brokers spend all of their time helping their clients navigate the complex world of health insurance rather than manually keying in data to Excel, spending hours every week consolidating claims data into actionable insights.\n\n**Why we built Blume 💼**\n\nOver the last few months, we had the opportunity to speak with more than 150 health insurance brokers. One thing was clear, they all were frustrated with the decreasing amount of time they could spend helping their clients due to the growing administrative burden and knew that something had to change. When we set out to find existing solutions to their problems, we saw user interfaces that hadn’t changed in years, manual workflows that increased reporting responsibilities for brokers, and software built to be sold to agency executives, not to be used by individual brokers. We are excited to address these issues with Blume.\n\n**Our ask 👋**\n\nWe’re looking to connect with health insurance brokers looking to grow their book of business. If you are one, know any, or can connect us to yours, please feel free to reach out at [founders@blumebenefits.com](mailto:founders@blumebenefits.com).", "url": "https://www.ycombinator.com/launches/KHO-blume-back-office-automation-for-health-insurance-brokers", "votes": 45, "created_at": "2024-01-30T17:08:04.987Z" } ] }, { "id": 29338, "name": "Consul", "slug": "consul", "former_names": [ "Swift" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.png", "website": "https://onconsul.com", "all_locations": "New York City, NY, USA", "long_description": "Consul is building the future of payouts for the online economy. We make it easy for marketplaces, agencies, and startups to make payouts using stablecoins.", "one_liner": "The Stablecoin Payouts Platform", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1709330171, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "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/consul", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/consul.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/onconsul/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.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": 234272, "full_name": "David Lalor", "title": "Founder/CEO", "founder_bio": "Co-Founder/CEO at Consul. Before Consul, I started my first company, Virra, at 16 and did half a million in annual revenue, studied computer science and economics at Stanford (before dropping out to start Consul), and worked as an engineer at Intercom. From a small village in Ireland.", "is_active": true, "linkedin_url": "https://linkedin.com/in/davidlalor5", "x_url": "https://x.com/david_lalor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/de1c8b8c4a0a1a684088210f156ac2b0e8a73290.jpg" }, { "user_id": 571917, "full_name": "Rakeeb Hossain", "title": "Founder/CTO", "founder_bio": "Co-Founder/CTO at Consul. Before Consul, I studied computer science and math at the University of Waterloo, worked at Snap and Tesla Autopilot, and built brokerage infrastructure at Finary. I also built Memsnap, which was accepted to ASPLOS 2024 (https://dl.acm.org/doi/abs/10.1145/3620666.3651334).", "is_active": true, "linkedin_url": "https://linkedin.com/in/rakeebhossain", "x_url": "https://x.com/rakeeb_hossain", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/336ddeadba8a1bb3f40bd88e49bb5a083e7b6ea5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29343, "name": "Infinity", "slug": "infinity", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.png", "website": "https://www.infinityapp.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.", "one_liner": "Business banking for cross-border SMBs & Startups", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1706317593, "tags": [ "Fintech", "Payments", "B2B", "Investing", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/infinity", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/infinity.json", "year_founded": 2023, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/infinityinvest/", "x_url": "https://x.com/Infinityapp_in", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.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": 1347097, "full_name": "Sourav Choraria", "title": "Founder/CEO", "founder_bio": "Sourav is the founder & CEO of Infinity, a business banking platform for cross-border SMBs. Prior to Infinity, Sourav co-founded ClinMD(2016), healthcare data analytics company. Sourav was former head of growth at Paytm Money, India's largest wealth management platform and scaled it to 20 million MAU. He also launched India's first FD-backed secured credit card and scaled it to 100,000 users in 1 year.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/sourav-choraria-9b389776", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/631281fa8a93eec3dd427765fff443c446ec2092.jpg" }, { "user_id": 224267, "full_name": "Sidharth Choraria", "title": "Founder/CTO", "founder_bio": "Was previously an Amazon engineer and PM working on Appstore. Launched Amazon Appstore IAP module (equivalent to Google Billing Library) used by app developers to monetise digital goods. Developed an instant electronic payment system to pay out app developers across 135 countries. Founding engineer of Paytm Travel & Platform Engineer at MakeMyTrip,developing systems to handle 100M daily requests. CS grad from Birla Institute of Technology & MBA in Finance from Indian School of Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sidharth-choraria-25411b65/details/experience/", "x_url": "https://twitter.com/sidharth9932", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc1f097e9a8afca2f398a44cc546a741582b4d32.jpg" } ], "jobs": [ { "id": 75959, "title": "Software Engineer - Backend", "url": "https://www.ycombinator.com/companies/infinity/jobs/OFwxm4z-software-engineer-backend", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹1M - ₹2M INR", "equity_range": "0.20% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Java" ] } ], "news": [ { "title": "[Exclusive] Y-Combinator-backed Infinity bags $1.9M in pre-seed funding | YourStory", "url": "https://yourstory.com/2025/02/exclusive-y-combinator-cross-border-payments-fintech-startup-infinity-bags-pre-seed-funding", "date": "Feb 05, 2025" }, { "title": "Infinity: Business banking platform Infinity secures maiden funding from Y Combinator and others - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/business-banking-platform-infinity-secures-maiden-funding-from-y-combinator-and-others/articleshow/116166893.cms?from=mdr", "date": "Dec 10, 2024" }, { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" } ], "launches": [ { "id": 87402, "title": "Infinity - Simplifying global payments for Indian businesses", "tagline": "Receive international payments with - Zero fx margin. No hidden fees. 1-day settlement.", "body": "**TL;DR:**\n\nWhether you’re a SaaS startup managing payouts to Indian contractors or a growing business sending vendor payments to India or Operating in US Parent Indian subsidiary model, Infinity’s cross-border payments platform offers:\n\n* **Transparent, real-time FX rates.**\n* **Significantly lower fees compared to traditional banks and other providers.**\n* **Same-day settlements.**\n* **Payment Tracking / Notifications**\n* **Seamless compliance for businesses (e.g., invoicing, tax reporting).**\n\n### The Problem\n\nThe US-India payment corridor is one of the busiest globally, yet businesses face slow processing times, high fees, and hidden charges. For startups and growing companies, these inefficiencies can be a real bottleneck. In general _for every dollar a business moves from the US to India, **business loses 3-5%**_**.**\n\nOne of the primary issues with FX transactions is the lack of transparency regarding the total cost of executing payments. These costs often include:\n\n1. Wire transfer fees\n2. Correspondent bank fees\n3. Currency conversion fees\n4. Intermediary fees, among others\n\nWhile some **_providers may highlight lower fees in one category, they often compensate with higher charges in another,_** resulting in minimal or no real savings.\n\nAlso, **global payments are slow with no visibility** on the fund movement.\n\nIn the majority of instances, international bank transfers are facilitated via the SWIFT network. This network ensures the transmission of your payment to its intended recipient. Nevertheless, the path isn't always direct. Certain payments may be routed through intermediaries, often referred to as correspondent banks, akin to making multiple connecting flights before reaching your final destination.\\\n\\\n**Solution**\\\nIntroducing [Infinity](https://youtu.be/N9sdLr5QUig?si=uJPFxXZxH39au9Ht)!\n\n\\\nStreamline global customers and suppliers’ payments with local accounts.\n\n**1) Multi-currency accounts - one platform:** Easily receive funds in major currencies to facilitate transactions with overseas suppliers and customers.\n\n**2) Flat Fee - with zero FX markup:** Be fully transparent about the charges you incur. Receive a comprehensive breakdown of fees before each transaction to avoid any surprises.\n\n**3) Fast, same-day international money transfer:** Track your payment in real-time.\n\n**4) Instant remittance certificate:** You move money. Infinity will take care of compliance.\\\n\\\n**Asks**\n\nAre you dealing with cross-border operations?\n\n* **Try out Infinity** at — your first payment is on us!\n* [Schedule a meeting](https://calendly.com/sourav9091/) — We’d love to learn more about your global business challenges and how we can help.\n* **Email us** at [founders@infinityapp.in](mailto:founders@cuckoo.so)\n\n\\\n**😎 Team**\n\nSourav and Sidharth are siblings. This is their second startup together. Back in 2016, they co-founded health tech startup ClinMD.\n\n![uploaded image](/media/?type=post&id=87402&key=user_uploads/224267/5a1859ad-8620-4934-bce6-2e46693802e0)\n\n[Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) was Head of the growth and product team at Paytm Money (India's largest wealth management platform). He also successfully launched India's first FD-backed credit card.\n\n[Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) is a finance & tech geek. He spearheaded the In-app purchase module for the Amazon Appstore, utilized by app developers to monetize digital content globally. He successfully scaled systems to manage 100 million daily requests during his time at Paytm and MakeMyTrip.", "url": "https://www.ycombinator.com/launches/Mji-infinity-simplifying-global-payments-for-indian-businesses", "votes": 20, "created_at": "2025-02-04T15:16:33.974Z" }, { "id": 78490, "title": "🚀 Infinity - Business banking for cross-border SMBs and startups", "tagline": "Infinity is a single platform to manage finances for cross-border business.", "body": "### TL;DR:\n\nInfinity simplifies banking for global businesses. It enables cross-border Indian companies to conduct transactions and receive payments in local currencies. Additionally, Infinity offers an in-house treasury management solution, allowing businesses to earn yield on idle cash and mitigate FX risks.\n\nHey everyone! We’re [Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) and [Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) and we're building a business banking platform for cross-border SMBs and Startups. In our past jobs, we worked as founders, wealth managers, growth hackers, and founding engineers at high-growth fintech startups.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/1347097/151b89e9-ff7d-4da8-8fd1-758c5bc04cac)\n\n### \n\n### 🤔 Problem\n\nBusiness banking is difficult. More so if you are global. Cross-border payments pose several challenges due to the complexities involved in transferring funds across different countries and jurisdictions.\\\n\\\n**Global payments are expensive**\\\nOne of the more basic issues with FX transactions is the lack of transparency in terms of the cost to execute FX payments. These costs can include wire transfer fees, correspondent bank fees, currency conversion fees, and intermediary fees, among others. While existing market providers might stress that one factor is low (lower than that of a competitor), that same institution might have high fees in another area, offsetting those savings.\n\n_In general for every dollar a business moves from the US to India, business loses **7%.**_\n\n**Global payments are slow**\\\nIn the majority of instances, international bank transfers are facilitated via the SWIFT network. This network ensures the transmission of your payment to its intended recipient. Nevertheless, the path isn't always direct. Certain payments may be routed through intermediaries, often referred to as correspondent banks, akin to making multiple connecting flights before reaching your final destination.\n\n_Generally speaking, international bank transfers will arrive within **one to five working days**._\n\n**There’s a compliance risk** \\\nEach transaction must be promptly reported to the Central Bank of India, accompanied by the correct invoice and purpose codes (of which there are numerous variations), sign-off from chartered accountants, etc. Failure to comply with these requirements can result in payment delays extending for months.\n\n**And There’s a FX risk**\\\nThe conversion rates between USD and INR are variable.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/224267/144ca69a-c117-4837-b4ae-731cfed5fc15)\n\nWhat you receive today may differ from what you get in five days. If a business converts USD to INR five days from now and the dollar weakens, it will incur losses.\n\n### 🤩 The Solution\n\nIntroducing Infinity!\\\nStreamline global customers and suppliers’ payments with local accounts.\n\n**1) Multiple local currency accounts - one platform:** Easily send, hold, and receive funds in major currencies to facilitate transactions with overseas suppliers and customers.\\\n**2) Flat Fee - with zero FX markup:** Be fully transparent about the charges you incur. Receive a comprehensive breakdown of fees before each transaction to avoid any surprises.\\\n**3) Fast, same-day international money transfer:** Track your payment in real time.\\\n**4)** **Treasury service to hedge FX:** Earn higher yields on idle cash without worrying about liquidity and underlying asset risk.\\\n**5) Instant remittance certificate:** You move money. Infinity will take care of compliance.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/224267/aa9f08af-a85a-4252-b889-f62c1e2a2d6a)\n\n\\\nOur long-term vision is to be the **_financial operating system_** for businesses by automating daily financial tasks, allowing them to focus on what matters most. \n\n### 😎 **Team**\n\nSourav and Sidharth are siblings. This is their second startup together. Back in 2016, they co-founded health tech startup ClinMD.\n\n[Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) was Head of the growth and product team at Paytm Money (India's largest wealth management platform). He also successfully launched India's first FD-backed credit card. \n\n[Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) is a finance & tech geek. He spearheaded the In-app purchase module for the Amazon Appstore, utilized by app developers to monetize digital content globally. He successfully scaled systems to manage 100 million daily requests during his time at Paytm and MakeMyTrip.\n\n### **🙏 Our Ask**\n\nIf you want to try us out or to know how to manage your cash, please reach out to us. We’d love to give you a demo of how Infinity works, and even if not, we’d be happy to help you figure out your cash management situation.\n\nSay hi at [**sourav@infinityapp.in**](https://mailto:sourav@infinityapp.in/) or [**sid@infinityapp.in**](https://mailto:sid@infinityapp.in/) or Whatsapp at +91-9535482864 👋🏻\n\nAnd we’ll help you get started!\n\nYou can also [fill this form](https://dashboard.infinityapp.in/auth/signup) to request a demo.\n\n* Website —[**https://www.infinityapp.in**](https://www.infinityapp.in/)\n* LinkedIn — [**https://www.linkedin.com/company/infinityinvest**](https://www.linkedin.com/company/infinityinvest)", "url": "https://www.ycombinator.com/launches/KPy-infinity-business-banking-for-cross-border-smbs-and-startups", "votes": 164, "created_at": "2024-02-16T22:41:05.516Z" } ] }, { "id": 29414, "name": "Cleva", "slug": "cleva", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb405a26d1a603373572e220fb38dadd2c97c421.png", "website": "https://www.getcleva.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Cleva breaks down financial borders across the globe by enabling remote workers, individuals, and businesses to hold stablecoin-backed dollars. Specifically, we enable our customers:\r\n\r\n1. Receive USD, GBP, EUR payments: Individuals and businesses can receive USD, GBP, and EUR payments into their virtual account.\r\n2. Receive and send stablecoins: They can also receive USDT or USDC, and make global payments via USDT and USDC.\r\n3. Hold funds in USD: They can choose to hold their funds in USD instead of converting to local currency. In high inflation countries, this is extremely desirable as it helps our customers hedge against inflation until they're ready to spend in local currency.\r\n4. Stablecoin-backed cards: We issue cards that are stablecoin-backed and accepted by 150M+ merchants across the globe. Users can fund in stablecoins or fiat, spend anywhere VISA is accepted, and earn cashback in the form of Cleva Points.\r\n5. Savings: We recently launched Cleva Pots, allowing users to save towards their goals and earn yield on their savings.\r\n\r\nIt's still very early days at Cleva. We've been hyper-focused on our home country Nigeria but we're now expanding to more countries across the globe.", "one_liner": "Global neobank for emerging markets", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1704535583, "tags": [ "Fintech", "Crypto / Web3", "Remote Work", "Emerging Markets", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "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/cleva", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/cleva.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cleva-banking/", "x_url": "https://twitter.com/clevabanking", "fb_url": "https://www.facebook.com/profile.php?id=61551351002083", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb405a26d1a603373572e220fb38dadd2c97c421.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": 1322737, "full_name": "Tolu Alabi", "title": "Founder/CEO", "founder_bio": "Tolu brings relevant experience from her time as a Lead Product Manager building Issuing and Banking products at Stripe. Prior to Stripe, she was a Senior PM at Amazon working on multiple products from Logistics to Augmented Reality. In addition, she has an MBA from Stanford GSB and a B.A in Computer Science and Mathematics from Grinnell College.\n\nOutside of work, she loves to play multiple sports (for now tennis and basketball). She's also a huge Lebron fan.", "is_active": true, "linkedin_url": "https://linkedin.com/in/tolu-alabi-08697525", "x_url": "https://twitter.com/tolu_tols1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7a4f53803eeebb6ab7526e48e61875be7db7554.jpg" }, { "user_id": 1564262, "full_name": "Philip Abel", "title": "Founder/CTO", "founder_bio": "Philip has spent years building large-scale, multi-region infrastructure and services at industry leaders including AWS, Twilio, and Akamai Technologies. Originally from Nigeria, his journey took him from Kano to MIT and Georgia Tech, where he studied computer science. His story is one of resilience, curiosity, and a deep commitment to using technology to make a positive impact on the world.\n\nOutside of work, Philip is a lifelong FC Barcelona supporter and a devoted Lionel Messi fan.", "is_active": true, "linkedin_url": "https://linkedin.com/in/abelphilip", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fad65ffe0893f9e38cffc65c2ac8ff49df870eed.jpg" } ], "jobs": [], "news": [ { "title": "Empowering change through fintech collaboration | Mastercard Newsroom", "url": "https://www.mastercard.com/news/perspectives/featured-topics/fintech/empowering-change-through-fintech-collaboration/", "date": "May 30, 2024" }, { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" }, { "title": "YC-backed African fintech Cleva, founded by Stripe and AWS alums, raises $1.5M pre-seed | TechCrunch", "url": "https://techcrunch.com/2024/01/08/yc-backed-african-fintech-cleva-founded-by-stripe-and-aws-alums-raises-1-5m-pre-seed/", "date": "Jan 08, 2024" } ], "launches": [ { "id": 79028, "title": "Cleva: USD banking platform for Africa", "tagline": "Helping businesses earn, save and invest in USD!", "body": "Greetings, YC community! We are Tolu and Philip, the co-founders of [Cleva](https://www.getcleva.com/).\n\n**tl;dr:** _Cleva makes it easy for freelancers and businesses in emerging markets to get paid for their services and manage their money in USD. We do this by providing USD accounts to receive international payments at very low costs, a debit card to spend, the ability to convert currencies, and the ability to save and earn interest over time. We launched in August 2023 and now process over 4 million dollars monthly for customers while doubling revenue month-over-month._\n\n![uploaded image](/media/?type=post&id=79028&key=user_uploads/1564262/c0929233-d351-4cc5-a419-586ae957dec3)\n\n**The Problem**\n\nDespite the growing number of young remote African workers and businesses serving global partners, international payments and investments in USD are still a complex puzzle for many talented Africans and businesses. This intricate challenge can stifle economic growth and opportunities. We firmly believe that Africans should have an effortless way to receive international payments and manage their finances without paying excessive fees or dealing with local currency fluctuations. This problem is not only relevant; it's a catalyst for empowerment. \n\n**Cleva's Solution**\n\nWe are building an all-in-one platform to enable payments, spending via debit cards, and investments. Our flagship product, launched in August 2023, simplifies payments for remote workers and freelancers in Nigeria. It enables them to establish a Cleva US-based account, effortlessly receive salaries and customer payments, and seamlessly manage their finances, including currency conversion, with remarkable ease. Over the coming months, we will build tools for investments.\n\n![uploaded image](/media/?type=post&id=79028&key=user_uploads/1564262/d34476fb-66ea-425a-b4fb-d3b604fcae1c)\n\n**How We Started**\n\n[Tolu](https://linkedin.com/in/tolu-alabi-08697525) and [Philip](https://linkedin.com/in/abelphilip) have known each other for over 10 years and understand how expensive cross-border transactions are from personal experiences. We also understand how hyperinflation and devaluation of African currencies have diminished the spending power of friends and family. We take this problem personally and want to tackle it head-on to enable prosperity for Africans and others across emerging economies. We believe simplifying how people earn and invest in USD will empower businesses and remote workers across emerging economies.\n\n**Our Ask**\n\n1. Check out [Cleva](https://www.getcleva.com/), sign up for your USD Banking needs, or refer people in the countries we serve today.\n2. Share this post! Please help get the word out. We want more people to know about Cleva and how we add value.\n 1. iOS AppLink: \n 2. Android: Link coming soon. (it’s pending play store approval)\n3. Connect us with USD Banking Providers and Remote Work Companies at [contact@getcleva.com](mailto:contact@getcleva.com).\n\n**The Team**\n\nTolu Alabi: Handles all things business, product, and more. Tolu has 10+ years of experience building customer-centric products at Stripe and Amazon. She also has an MBA from Stanford GSB and is an enthusiastic basketball and Lebron James fan!\n\nPhilip: Handles all things tech and more. Philip has significant experience as a software engineer and has worked at AWS, Twilio, and Akamai Technologies. He is passionate about using technology for good. He is an FC Barcelona fan (soccer)  and a big Lionel Mesi fan.\n\n![uploaded image](/media/?type=post&id=79028&key=user_uploads/1564262/687c2db8-c5f6-4287-bdcb-783756521bf7)\n\n", "url": "https://www.ycombinator.com/launches/KYe-cleva-usd-banking-platform-for-africa", "votes": 21, "created_at": "2024-03-04T18:42:54.669Z" } ] }, { "id": 29415, "name": "Givefront", "slug": "givefront", "former_names": [ "Clav" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d65130c2135aa6aec31d84ddb306d5aa937ba15b.png", "website": "https://givefront.com", "all_locations": "San Francisco, CA, USA", "long_description": "The world’s most important organizations deserve the world’s best financial infrastructure. We’re here to make sure they do.\r\n\r\nAt Givefront, we've built a modern financial management platform designed specifically for nonprofits. With real-time budgeting, built-in compliance, and easy integrations, we replace the spreadsheets and guesswork with smart, automated systems.\r\n\r\nBy transforming financial operations from reactive to real-time, Givefront empowers nonprofits to control every dollar, protect every grant, and move their missions forward faster — with greater efficiency, transparency, and trust.", "one_liner": "Nonprofit Financial Management", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1708704798, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/givefront", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/givefront.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/givehq", "x_url": "https://twitter.com/Givefront", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/givefront", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d65130c2135aa6aec31d84ddb306d5aa937ba15b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 724702, "full_name": "Matt Tengtrakool", "title": "Founder/CEO", "founder_bio": "Matt studied CS and Stat at Harvard. Before Givefront, he founded a startup that helps loan-takers in Nigeria and led two national nonprofits. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/matt-tengtrakool", "x_url": "https://twitter.com/MattTtkool", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/599bec06dfb8e0911e6f9a5b4cf50c5facc98d77.jpg" } ], "jobs": [], "news": [ { "title": "Givefront Joins Owner", "url": "https://www.owner.com/givefront-joins-owner", "date": "May 01, 2026" }, { "title": "The 18 most interesting startups from YC’s Demo Day", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/", "date": "Apr 03, 2024" } ], "launches": [ { "id": 78677, "title": "Givefront – Financial Management for nonprofits and organizations", "tagline": "We empower organizations to manage spending, reporting, and compliance through a single, unified platform.", "body": "**TLDR: [Givefront](https://givefront.com) is a financial platform tailored for nonprofits. For millions of organizations across the US, our unified platform provides simplified budgeting, efficient spend management, streamlined reporting, and effortless compliance, all in one place.**\n\n![uploaded image](/media/?type=post&id=78677&key=user_uploads/674588/c393604b-bd73-4b7f-a1bc-06bdefaf4a5a)\n\nNonprofits and organizations face a unique set of financial challenges: fragmented financial tools, rigorous compliance demands, costly accounting processes, understaffing, and high turnover. Current digital banking and fintech products have consistently fallen short of addressing these distinctive needs. This leaves leaders having to piece together a variety of different products, causing a bookkeeping nightmare, and taking away valuable time from the organization's mission.\n\n**How We Help**\n\nOur platform is more than a bank; it’s a comprehensive financial operating system designed to help nonprofits streamline operations, maximize resources, and ensure financial transparency.\n\n* **Spend Management**: Create customizable cards with limits and approvals to monitor all spend.\n* **Streamlined Payments**: Replace Venmo and costly donation tools with our fee-free payment, donation, and reimbursement links.\n* **Fiscal Sponsorship and Granting Tools:** Create easily accessible accounts for supported programs, and manage team member accesses in one click.\n* **Automated Compliance:** Keep your organization on track with automatic custom reporting and annual filings.\n\n**Who We Are**\n\n[Matt](https://www.linkedin.com/in/matt-tengtrakool) studied Computer Science and Statistics at Harvard before leaving to build Givefront. Formerly founded a fintech startup and served on the board of national organizations.\n\n**Our Ask**\n\nWe serve all types of organizations from charities, foundations, student organizations, campaigns, and more.\n\nIf you're involved in a nonprofit or know someone who is, we would love to see how we can help! To learn more please fill out https://givefront.com/get-started or reach out at [founders@givefront.com](https://mailto:founders@givefront.com).", "url": "https://www.ycombinator.com/launches/KSz-givefront-financial-management-for-nonprofits-and-organizations", "votes": 129, "created_at": "2024-02-23T16:14:14.728Z" } ] }, { "id": 29448, "name": "xPay", "slug": "xpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3971c15f9f5205a1db5b53fe701e75a30c87c769.png", "website": "https://www.xpaycheckout.com/", "all_locations": "Bengaluru, KA, India", "long_description": "We're building a commerce solution for SaaS companies globally that have overseas customers. We especially help them with streamlining billing operations like invoicing and reconciliation, managing foreign sales tax and accepting payments. We abstract out the complexities of compliance, remittance and integration for these merchants by running all that machinery in the background. ", "one_liner": "International Billing Ops, Sales Tax and Payments for SaaS businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1709922304, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/xpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/xpay.json", "year_founded": 2024, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/xpay-checkout/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3971c15f9f5205a1db5b53fe701e75a30c87c769.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": 337738, "full_name": "Aniket Gupta", "title": "Founder/CEO", "founder_bio": "Founder of xPay - An international payment acceptance solution. In the past, I've started DisruptX Labs, a globally acclaimed dev studio and ingig, an online live streaming platform for musicians. Been running startups for 3 years and probably will for a lifetime more.", "is_active": true, "linkedin_url": "https://linkedin.com/in/theaniketg", "x_url": "https://twitter.com/theaniketg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b2daec8c538fb1b80da6458e548c4f1680e296d.jpg" }, { "user_id": 1620343, "full_name": "Rakshit Bansal", "title": "Founder", "founder_bio": "Founder of xPay - An international payment acceptance solution. Been building products for the last 7 years. Have led tech teams at multiple startups namely Observe.AI & Flipkart. \n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/rakshitbansal", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/269cf43da5ade62482d6d8d2dfbba5e128b6a831.jpg" } ], "jobs": [ { "id": 94657, "title": "Founding Sales lead", "url": "https://www.ycombinator.com/companies/xpay/jobs/B5hAmRi-founding-sales-lead", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹25 - ₹35 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [] }, { "id": 29453, "name": "Miden", "slug": "miden", "former_names": [ "Tyrus Technologies", "MIDEN" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.png", "website": "http://www.miden.co", "all_locations": "Rotherham, England, United Kingdom", "long_description": "Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch.\r\n\r\nWe’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.", "one_liner": "Card issuer processor and banking stack for businesses in Sub-…", "team_size": 19, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706458122, "tags": [ "Fintech", "Payments", "B2B", "APIs" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/miden", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/miden.json", "year_founded": 2023, "city": "Rotherham", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/tyrus-technologies/", "x_url": "https://twitter.com/TyrusTechHQ", "fb_url": "https://www.facebook.com/TyrusTechnologies?mibextid=LQQJ4d", "cb_url": null, "github_url": "https://github.com/Tyrus-Technologies", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.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": 1047170, "full_name": "Okiemute Avworhokai", "title": "Founder/CEO", "founder_bio": "Okiemute brings more than a decade of experience in managing financial institutions within commercial banking and the fintech sector. As a former founder of a credit firm focused on student loans, he successfully disbursed over $1.5 million within 18 months. He is now dedicated to developing Miden, aiming to address challenges he has encountered over the past ten years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/okiemute-d-avworhokai-5b52a7a6?lipi=urn%253Ali%253Apage%253Ad_flagship3_profile_view_base_contact_details%253BgNZt1BAJRYa%252FInOsfn4KRw%253D%253D", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8f18aa3745a655430ec89ff73b8f0b22d4d5f22.jpg" }, { "user_id": 1366375, "full_name": "Ini Udoh", "title": "Founder/CTO", "founder_bio": "Chief Technology Officer (CTO) at Tyrus Technologies, a B2B fintech specializing in virtual cards and embedded finance solutions. With over 12 years of experience in the banking and fintech sectors, I previously contributed to major financial institutions like First Bank of Nigeria and Heritage Bank, as well as fintech firm Mukuru. I have expertise in developing innovative banking solutions have been crucial in driving Tyrus Technologies' success.", "is_active": true, "linkedin_url": "https://linkedin.com/in/iudoh", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ef47e99ec7754304d8a0a937a9effd70df3bfe9a.jpg" } ], "jobs": [], "news": [ { "title": "YC’s latest Demo Day shows fascinating wagers on healthcare, chip design, AI and", "url": "https://techcrunch.com/2024/04/04/ycs-latest-demo-day-shows-fascinating-wagers-on-healthcare-chip-design-ai-and-more/?utm_campaign=tc_startups&utm_medium=newsletter&_hsenc=p2ANqtz--tFaGiB4AT1JEp5k1Z93xSyPg4Kcp9vTGuqPHz7DMwSl1sbflSzi97W3pxmAFVIJ7RQPlZLS0R2r4nwHmV-SsgWls4ig&_hsmi=301405387&utm_source=tc", "date": "Apr 04, 2024" }, { "title": "Breaking: YC selects Nigerian startup Miden for 2024 winter batch", "url": "https://techcabal.com/2024/01/29/y-combinator-picks-miden-a-nigerian-api-fintech-startup/", "date": "Jan 29, 2024" } ], "launches": [ { "id": 77898, "title": "Miden 💳: Accessible financial tech in Sub-Saharan Africa", "tagline": "Intuitive API for businesses to launch their own virtual card program", "body": "TLDR: Miden's intuitive API addresses challenges faced by businesses in Sub-Saharan Africa, enabling the swift launch of financial solutions such as virtual card programs, credit systems, reconciliation, and expense management systems. This is especially vital in a continent boasting the largest youth population and the fastest-growing economy.\n\n![uploaded image](/media/?type=post&id=77898&key=user_uploads/1047170/5d8b269f-fb02-47d0-8868-c8fd545e181b)\n\nIn Sub-Saharan Africa, businesses face significant challenges in launching financial solutions promptly. The region grapples with cumbersome processes, outdated infrastructure, and prolonged timelines, hindering the swift deployment of essential tools like virtual card programs, credit systems, and reconciliation and expense management systems.\n\nDespite rising account ownership from 43% in 2017 to 55% in 2021, Sub-Saharan Africa still lags significantly behind the global average of 76%. Africa currently represents less than 1% of global card transaction volumes, and the core infrastructure for payments remains either legacy or in its infancy.\n\nWe are a dynamic and seasoned team of banking and financial experts :\n\n🔍 [Okiemute](https://www.linkedin.com/in/okiemuteavworhokai/), our adept navigator, with over 10 years of expertise in business development. Having built and successfully sold financial tools and services in banking and fintech in Nigeria, Okiemute is optimistic about the financial landscape in Sub-Saharan Africa.\n\n🚀 [Ini-Obong](https://bookface.ycombinator.com/user/1366375/linkedin_redirect?key=607468f8c4243fa02a63b2cc86dd3707c3b0f6ee), the tech maestro and Chief Technology Officer at Tyrus Technologies. With an impressive 13-year journey in banking and fintech, Ini-Obong has left his mark on major financial institutions like First Bank of Nigeria and Heritage Bank, along with fintech firms like Mukuru. He is the visionary behind our virtual card program and embedded finance solutions.\n\nOur Ask:\n\n🚀 Explore the boundless possibilities with Miden’s intuitive API.\n\n🔗 Connect us with businesses in Sub-Saharan Africa ready to embark on this transformative journey.\n\nJoin Miden in pioneering the future of financial accessibility in Sub-Saharan Africa. Email us at [founders@tyrus.io.](mailto:founders@tyrus.io)", "url": "https://www.ycombinator.com/launches/KGQ-miden-accessible-financial-tech-in-sub-saharan-africa", "votes": 23, "created_at": "2024-01-28T17:00:51.647Z" } ] }, { "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": 29467, "name": "Powder", "slug": "powder", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6603ab4de90057f1854b7b4b75d28ec647c3aa7.png", "website": "https://www.powderfi.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Powder is an AI tool that helps wealth advisors rapidly create sales proposals that are personalized for each prospective client. Using LLMs, Powder is able to automate a series of manual tasks such as understanding documents and conversations to create mind-blowing analysis that builds immediate trust.\r\n\r\n\r\nPowder has 3 main features to automate sales workflows -\r\n\r\n1. Brokerage, tax and estate document parser thats fast and accurate.\r\n2. Meeting notetaker thats able to capture personalized insights.\r\n3. Portfolio analysis tool that optimizes portfolio returns, risk and fees.\r\n\r\nOur app saves hours of time and creates a pinpoint proposal that lifts a firm's ability to win new business.\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n", "one_liner": "AI Agents for precise document analysis", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1705898735, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/powder", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/powder.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/powderfinance/", "x_url": "https://twitter.com/PowderFi", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6603ab4de90057f1854b7b4b75d28ec647c3aa7.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": 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": true, "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": 1254758, "full_name": "Soo Yung Cho", "title": "Founder/CTO", "founder_bio": "Sooyung is the co-founder and CTO of Powder, AI sales copilot for wealth advisors. Prior to founding Powder, Sooyung was a founding team member of RCI which was acquired by Addepar in 2021. Sooyung graduated from Johns Hopkins with a BS degree in Computer Science. Out of work, he enjoys playing lacrosse.", "is_active": true, "linkedin_url": "https://linkedin.com/in/soo-yung-cho-53643811", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/680cd924887cbfa012a035f3d25e2e4de32f51c0.jpg" }, { "user_id": 1512625, "full_name": "David Goerz", "title": "Founder", "founder_bio": "Co-founder & Chief Investment Officer for Powder Finance, which is building an AI Sales co-Pilot for wealth advisors to automate gathering financial holdings, analyze portfolios, assess risk tolerance, and summarize data to engage faster and efficiently.\n\nHe managed portfolio strategies for institutional asset owners for 33 yrs on mandates up to $30B in assets with pioneering innovations in quantitative equity and return forecasting, optimization and risk management. Chair, Investment Committees", "is_active": true, "linkedin_url": "https://linkedin.com/in/davidgoerz3", "x_url": "https://x.com/StrategicCAPM", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ef23b19e832e7f8516bdb4ef1e541da12279952.jpg" }, { "user_id": 1658092, "full_name": "Dominic Tully", "title": "Founder", "founder_bio": "I am currently the co-founder and Head of Sales and Operations at Powder. Prior to Powder, I work at the fintech firm, Addepar, as both a Senior Account Executive and Senior Account Manager. I started my career at Goldman Sachs, where I worked in the Private Wealth Management division in San Francisco. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/dominic-tully-b9418292", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/45ca6e070f131ce33f15f013dc01769b5268e4e5.jpg" } ], "jobs": [ { "id": 81529, "title": "Founding Software Engineer, Agents", "url": "https://www.ycombinator.com/companies/powder/jobs/grrytZl-founding-software-engineer-agents", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $150K", "equity_range": "0.30% - 1.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "Python", "React", "TypeScript" ] } ], "news": [ { "title": "Wealthtech Startup Powder Raises $5M in Seed Funding | Wealth Management", "url": "https://www.wealthmanagement.com/technology/wealthtech-startup-powder-raises-5m-seed-funding", "date": "Jul 22, 2024" }, { "title": "Introducing Powder: Generative AI Co-Analyst | Wealth Management", "url": "https://www.wealthmanagement.com/technology/introducing-powder-generative-ai-co-analyst-revolutionizing-wealth-management", "date": "Mar 04, 2024" }, { "title": "Fintech founders pair AI and client prospecting in new platform for financial advisors | Financial Planning", "url": "https://www.financial-planning.com/news/fintech-founders-pair-ai-and-client-prospecting-in-new-platform-for-financial-advisors", "date": "Nov 13, 2023" } ], "launches": [ { "id": 110475, "title": "Playbook — AI agents that run wealth management operations", "tagline": "AI agents that discover, execute, and verify work for wealth management firms", "body": "**Playbook is an AI orchestration platform for wealth management firms.**\n\nInstead of waiting for a human to prompt an AI copilot, Playbook deploys persistent AI agents that continuously discover work, investigate it, execute workflows, and verify the results.\n\nToday, **\\~40 wealth management firms representing $660B in client assets are already on the platform.**\n\nWe’re launching Playbook publicly at:\n\n[**https://askplaybook.ai**](https://askplaybook.ai)\n\n![uploaded image](/media/?type=post&id=110475&key=user_uploads/1254758/9eb08224-7480-445e-baba-0808170dea5f)\n\n## The Problem\n\nWealth management firms have spent years digitizing their businesses.\n\nThey have CRMs, portfolio management systems, custodians, financial planning tools, document repositories, email, meeting notes, and increasingly, AI copilots.\n\nBut there’s still a fundamental problem:\n\n**Someone has to notice that work needs to happen.**\n\nConsider something simple.\n\nA client normally keeps $100K in cash. One morning, that balance becomes $600K.\n\nThere may be no email.\n\nNo task.\n\nNo meeting.\n\nNo explicit instruction telling an advisor to investigate.\n\nSomeone has to notice the change, understand why it happened, determine whether action is required, gather the relevant context, decide what to do next, execute the work, and make sure it was done correctly.\n\nAI copilots can make individual steps faster, but they still generally depend on a human to recognize the work, provide the context, and initiate the process.\n\nThat led us to a different question:\n\n**What if the work discovered itself?**\n\n## Introducing Playbook\n\nPlaybook is built around persistent AI agents that operate across a wealth management firm.\n\nAt the center is the **Playmaker** — an orchestration agent responsible for understanding what is happening across the firm and coordinating work.\n\nThe Playmaker delegates to specialized agents we call **Playrunners**.\n\nEach Playrunner can be responsible for a specific domain or workflow: portfolio monitoring, tax opportunities, estate planning, client follow-up, compliance, meeting preparation, or other operational work.\n\nTogether, they operate in a continuous loop:\n\n**Observe → Discover → Anticipate → Plan → Execute → Verify → Persist → Repeat**\n\nInstead of asking an advisor to constantly tell AI what to do, Playbook continuously looks for work worth doing.\n\n## How does it work?\n\nImagine again that a client's cash balance unexpectedly moves from $100K to $600K.\n\nPlaybook can detect the change and begin investigating.\n\nWhat caused the cash increase?\n\nWas there a security sale?\n\nDid money arrive from an external account?\n\nIs this expected based on an upcoming purchase or distribution?\n\nDoes the advisor already know about it?\n\nAre there investment, tax, or planning implications?\n\nPlaybook gathers the available context, determines what it knows and what it still needs to know, and brings the advisor the information and questions required to make a decision.\n\nFrom there, agents can coordinate the downstream work.\n\nThe important difference is that the advisor didn't have to discover the issue first.\n\n**The system discovered the work.**\n\n## Verification is the product\n\nAs we built Playbook, we became convinced that making agents capable of doing work is only half the problem.\n\nThe harder question is:\n\n**How do you know their work is correct?**\n\nAs AI generation becomes faster and cheaper, verification becomes increasingly important — especially in financial services.\n\nOur architecture separates execution from verification.\n\nThe agent performing a task should not simply be trusted to grade its own work.\n\nPlaybook uses independent verification steps to evaluate outputs, evidence, and completion before work is considered finished.\n\nThis creates another important principle for us:\n\n**Appropriate autonomy, not maximum autonomy.**\n\nHumans remain responsible for objectives, standards, risk boundaries, and judgment.\n\nThe agents handle the work within those boundaries, while consequential actions remain auditable end to end.\n\n## Why does this matter?\n\nThe traditional question around AI in wealth management has been:\n\n**\"How many hours can we save an advisor?\"**\n\nWe think there's a more interesting question.\n\nImagine a wealth management firm where the marginal cost of operational work approaches zero.\n\nSuddenly, the constraint isn't just employee time.\n\nThe question becomes:\n\n**What would you do for every client if your firm effectively had unlimited operational capacity?**\n\nWould you review every portfolio every day?\n\nContinuously search for tax opportunities?\n\nCheck every estate plan when circumstances change?\n\nPrepare for every meeting automatically?\n\nFollow up on every commitment?\n\nContinuously verify that nothing has fallen through the cracks?\n\nThat's the future we're building toward with Playbook.\n\n## Where we are today\n\nPlaybook is already being used by **\\~40 wealth management firms representing approximately $660B in client assets.**\n\nWe're working closely with these firms to understand what happens when AI moves beyond isolated copilots and becomes an operational layer across the enterprise.\n\nAnd we're just getting started.\n\n## The Ask\n\nWe're looking for a small group of wealth management firms that want to work directly with our engineers on **enterprise-wide agentic automation**.\n\nIf you run or work at a wealth management firm, we'd love to hear about the workflows you think agents should own.\n\nAnd if you're building agents yourself, we'd especially love feedback from the YC community on our approach to **persistent agents, orchestration, and independent verification.**\n\nCheck out Playbook:\n\n[**https://askplaybook.ai**](https://askplaybook.ai)\n\nWe'd love your feedback. 👋", "url": "https://www.ycombinator.com/launches/Sjr-playbook-ai-agents-that-run-wealth-management-operations", "votes": 5, "created_at": "2026-08-13T19:28:17.154Z" }, { "id": 77718, "title": "Powder: Gen AI co-analyst that helps wealth advisors win new clients", "tagline": "We automatically generate beautiful proposals that highlight an advisor's value prop", "body": "Hey everyone! We’re [Kanishk](https://www.linkedin.com/in/diamondk/), [Dominic](https://www.linkedin.com/in/dominic-tully-b9418292/), [SooYung](https://linkedin.com/in/soo-yung-cho-53643811), [Jeff](https://www.linkedin.com/in/jeffrey-magder-3a62563/) and [David](https://www.linkedin.com/in/davidgoerz3/) from [Powder](https://powderfi.com).\n\n\\------\n\n**TLDR**: [Powder](https://powderfi.com) is building a generative AI co-analyst to help wealth advisors win new clients by automating the sales process.\n\n\\------\n\n**Problem**:\n\nWealth Advisors have an arduous sales process that has little transparency and leaves prospective clients unclear of the value they provide.\n\nAdvisors relying on their current manual operations are facing a tremendous challenge to scale.\n\nPowder is for wealth advisors who are:\n\n* Frustrated with burning costly analyst time making sense of prospects’ portfolio data\n* Dealing with very long sales timelines to win over prospects\n* Struggling to create beautiful presentations that highlight their value to prospects\n* Looking to leverage the latest technology to future-proof their firm\n\n**Solution**:\n\nHow can advisors stand out from the noise and close more prospects?\n\nBy leveraging Powder’s generative AI document and conversation extractor to rapidly leverage the prospect’s portfolio.\n\n![uploaded image](/media/?type=post&id=77718&key=user_uploads/30926/7f9f09fd-3369-49de-b99c-7b505c81a6e2)\n\nBy fine-tuning analytics that automatically demonstrates better investment returns, reduced portfolio risk, reduced tax consequences, and lowered investment fees.\n\n![uploaded image](/media/?type=post&id=77718&key=user_uploads/30926/14840681-c801-48df-83b2-cda90d62f686)\n\nCreating beautiful presentations that succinctly outline the benefits to the prospective client.\n\n![uploaded image](/media/?type=post&id=77718&key=user_uploads/30926/07d70c8a-5629-4027-bc04-879ebefca06d)\n\n**Who are we**:\n\nKanishk and SooYung previously founded [RCI Navigator](https://addepar.com/addepar-navigator) (acquired by Addepar).  Navigator is being used by 150+ firms including the biggest wealth advisors on the planet such as UBS and Morgan Stanley.  We repeatedly witnessed how sales were such a massive pain point.  We carried forward our expertise on how to build for and sell to wealth advisors.\n\nDominic worked at Addepar as both a Senior Account Executive and Senior Account Manager. He started his career at Goldman Sachs, where he worked in the Private Wealth Management division.\n\nDavid managed portfolio strategies for institutional asset owners for 33 years on mandates up to $30B in assets.\n\nJeff was the founding engineer at Arcade.xyz and an early BitGo employee.  He has 20 years of full-stack experience across multiple domains.\n\n**Ask**\n\nInterested advisors can sign up directly on our website - or set up a meeting with us - ", "url": "https://www.ycombinator.com/launches/KDW-powder-gen-ai-co-analyst-that-helps-wealth-advisors-win-new-clients", "votes": 18, "created_at": "2024-01-22T15:12:53.197Z" } ] }, { "id": 29483, "name": "Healia", "slug": "healia", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4bc553e9eb10d4c49558bf19ed0f8c9bf7411984.png", "website": "https://www.healiahealth.com/", "all_locations": "Columbus, OH, USA", "long_description": "Healia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs.\r\n\r\nWe’re now up to 50+ customers coast-to-coast with over 40k employees using our product!", "one_liner": "Modern health insurance for dual income families", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1707967345, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/healia", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/healia.json", "year_founded": 2022, "city": "Columbus", "country": "US", "linkedin_url": "https://www.linkedin.com/company/healia-health", "x_url": "https://twitter.com/healiahealth", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4bc553e9eb10d4c49558bf19ed0f8c9bf7411984.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1151031, "full_name": "Priyang Shah", "title": "Founder/CEO", "founder_bio": "Priyang is a founder with 10 years of experience in healthcare, insurance, and software development. He was the 15th employee at Root Insurance (1st PM), and helped scale it to 1,500 employees and a $6.5B IPO. Previously, he was the 20th employee at Olive AI ($4.5B valuation).", "is_active": true, "linkedin_url": "https://linkedin.com/in/priyangshah", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/26a139dc79f5f02449c409de839a57a155ec370c.jpg" } ], "jobs": [ { "id": 71753, "title": "Business Operations Specialist", "url": "https://www.ycombinator.com/companies/healia/jobs/RU0qEdZ-business-operations-specialist", "location": "Columbus, OH, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $75K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 86769, "title": "Sales Development Representative", "url": "https://www.ycombinator.com/companies/healia/jobs/VPyIfJH-sales-development-representative", "location": "Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $75K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 88143, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/healia/jobs/4agRnJz-account-executive", "location": "Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$160K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97199, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/healia/jobs/urCreag-account-manager", "location": "Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$160K - $170K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100895, "title": "Controller", "url": "https://www.ycombinator.com/companies/healia/jobs/0B7mD6k-controller", "location": "Columbus, OH, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$140K - $190K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 78745, "title": "Healia - Modern health insurance for dual income families 👨‍👩‍👦‍👦 ❤️", "tagline": "We enable companies to cover the expenses of employees on their spouse's health plan, saving companies $10k per family", "body": "**Tl;dr**\n\nHealia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrolled family while providing an incredible employee perk: 100% coverage of a family's health costs.\n\n**2025 Update**\n\nWe’re now up to 50+ customers coast-to-coast with over 40k employees using our product!\n\n**The problem: Dual-income health insurance is a lose-lose for companies and families**\n\nThere are 41 million dual-income families in the country and they all have the same problem: whether they choose their plan or their spouse’s, they still have thousands in premium contributions and out-of-pocket costs.\n\nCompanies face a similar challenge: either employees enroll in their insurance and incur exorbitant costs ($17k/year/family) or the employee misses out on the largest employee benefit available, hurting the company’s recruitment and retention efforts.\n\n**✨ The solution: Both companies “split” coverage**\n\nOur product lets employers pay for the out-of-pocket costs (and premiums) of any employee who enrolls in their spouse's plan. There is no need for complicated coordination between employers. Employees just opt out of our customer’s plans and join their spouse’s. We then reimburse any eligible expenses on the spouse’s plan. This saves our customers $10k per enrollee and boosts recruitment and retention with an awesome perk.\n\n**💻 Our technology is so powerful that we even sell it separately**\n\nWe created a tool for employees that lets them compare costs between their employer's plan and their spouse's. Employees can upload a PDF of their spouse’s benefits guide, and our LLM will process the data, allowing families to see all of their options modeled.\n\n**👋 Ask: Connect us with:**\n\n1. Health insurance brokers that need innovative solutions for clients.\n2. HR leaders and CFO’s that want to lower costs while improving employee retention\n3. Or, just give us feedback! [founders@healiahealth.com](mailto:founders@healiahealth.com)", "url": "https://www.ycombinator.com/launches/KU5-healia-modern-health-insurance-for-dual-income-families", "votes": 20, "created_at": "2024-02-26T15:58:17.227Z" } ] }, { "id": 29500, "name": "The New Money Company", "slug": "the-new-money-company", "former_names": [ "Workparty", "Fermata", "Numo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "website": "https://newmoneycompany.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The New Money Company protects invoices with insurance.\r\n\r\nWe help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill.\r\n\r\nSupport number: +18889975745.", "one_liner": "Invoicing that pays you even if your buyer doesn’t", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1710863729, "tags": [ "Fintech", "Payments", "B2B", "Insurance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/the-new-money-company", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/the-new-money-company.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/newmoneycompany", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.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": 58508, "full_name": "Derrick Wolbert", "title": "Founder/CEO", "founder_bio": "CEO at The New Money Company. Previously built Hologram.com from zero to $20M ARR and closed a $65M Series B as head of revenue. In a previous life, Derrick built the embedded car computing platform used in Waymo vehicles. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/derrickwolbert", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a23b5607836971de100bdc255ac84ea464c400a2.jpg" }, { "user_id": 1643519, "full_name": "Reuben Balik", "title": "Founder/CTO", "founder_bio": "Reuben is the CTO and co-founder of The New Money Company. Previously, he worked on the most difficult enterprise telecom integrations as the first engineer (and first employee) at Hologram.com. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/reuben-balik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b33f28ca127ec0895b72526f8e41355885cb269.jpg" }, { "user_id": 1452570, "full_name": "Q Carlson", "title": "Founder/CPO", "founder_bio": "Co-founder, and CPO at The New Money Company. Early designer at Flexport (W14) 🚢 ✈️ 🚛 and Quizlet. VP Design at Hologram & project44.", "is_active": true, "linkedin_url": "https://linkedin.com/in/qcarlson", "x_url": "http://twitter.com/qcintheair", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3ebab68c8796032c0986b8f07b3f2505f3cf29c.jpg" } ], "jobs": [], "news": [ { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" }, { "title": "YC’s Winter 2024 Demo Day confirms that we are indeed in an AI bubble | TechCrunch", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/#:~:text=picked%20it%3A%20Alex-,Numo,-What%20it%20does", "date": "Apr 03, 2024" } ], "launches": [ { "id": 79553, "title": "Numo — Offshore banking & instant payments for global contractors", "tagline": "Meet Numo, filling the trust gap between businesses and international contractors by handling compliance, KYC, and payment.", "body": "# Numo is like upside-down Deel\n\n# TL;DR\n\n[Numo](https://numohq.com/) verifies and credentials global contractors and lets them earn and hold the USD they get from working for American companies. When they need to spend it, we transfer money instantly to their local bank account.\n\n**We launched last week, and have 105 contractors already live and onboarded on Numo, sending their first invoices.**\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/4a2d0978-bdb1-42d8-a223-5c8554db82a9)\n\n# Problem\n\n**Paying international contractors for short-term engagements is messy**. It’s full of remittance services whose brands are not conducive to trust or a professional environment and often look fraudulent to the uninformed. \\\n\\\n**For contractors, it’s even messier**. With expensive fees, slow transfer times, and fuzzy tax + compliance rules — we’ve seen our customers resort to funneling money through friends and families just to get paid. \\\n\\\nAnd the death blow for contractors is the hyperinflation many of their home currencies are experiencing. **Contractors work more every day for less money**. International contractors want to hold their funds in USD as long as they can, and then bring it back only when they need to spend.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/dd9fa8fc-a5f6-4452-840c-983c916dc798)\n\n# Solution\n\nSo we built Numo:\n\n1. Contractors can onboard and get verified, background checked, and launch their profiles.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/c7a8c8c3-c8e5-43b2-bb63-ca263a11ddbd)\n\n2. Every invoice they send via Numo to their clients is paired with their verified profile.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/ac16cb72-92bc-4a04-b8ed-fe2d6201e7b2)\n\n3. Their American clients get to pay the way they are most comfortable: ACH payment to a US bank account.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/a6370253-5288-4585-bc8d-545bacda9e58)\n\n4. Contractors can hold the USD they make stateside until the moment they need to spend it locally. They can transfer funds to their local account within 20 seconds without excessive fees.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/224d13fc-c6ef-423f-8750-437d738673b6)\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/de06e012-08e5-4ac3-8728-4c67339ae615)\n\n\n# We’re the team to build this\n\nWe all met working in the messy, terrible world of global telecom. We were the early operators at Hologram — a worldwide cellular network for IoT — taking the business from $0 to $20M ARR and through a successful Series B round.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/f8cd963f-353b-4bc5-8994-aaca6f3f0b83)\n\n_👆 The Numo team on the ground running onboarding events in Lagos, Nigeria._\n\n[Reuben Balik](https://www.linkedin.com/in/reuben-balik/) was the first engineer at Hologram. He led the integrations with some of the worst telco APIs from Verizon, Telus, Deutsche Telekom, and TIS into a unified SIM card platform.\n\n[Q Carlson](https://www.linkedin.com/in/qcarlson/) was the 2nd designer at Flexport and has crafted beautiful experiences in messy, hard industries like supply chain. He uses design to differentiate — attracting a premium for the product and accelerating growth.\n\n[Derrick Wolbert](https://www.linkedin.com/in/derrickwolbert/) ran the GTM team at Hologram from zero through Series B. Before Hologram, he navigated complex bureaucracy at Jeep/Chrysler, building the infotainment platform Waymo relies on in their vehicles.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/b005abd6-ee98-4c73-b11d-cb69a5067edb)\n\n_Numo founders in Dogpatch 👆_\n\n# \n\n# Ask\n\nAre you using international contractors in your business? Ask them to invoice you using [Numo](https://numohq.com)!\n\nWe’re live in Nigeria. With Kenya, South Africa, Vietnam, Thailand, Malaysia, and the Philippines coming very soon.\\\n\\\n—\n\nGet in touch with the team:\n\nDerrick Wolbert, CEO — derrick@newmoneycompany.com\\\nQ Carlson, CPO — q@newmoneycompany.com\\\nReuben Balik, CTO — reuben@newmoneycompany.com", "url": "https://www.ycombinator.com/launches/Kh7-numo-offshore-banking-instant-payments-for-global-contractors", "votes": 18, "created_at": "2024-03-20T19:48:11.544Z" } ] }, { "id": 29518, "name": "Dropback", "slug": "dropback", "former_names": [ "FanCave" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b7cff51aae96543f4a2b5a8f4b6e64e2b3823e6e.png", "website": "https://www.dropback.com", "all_locations": "Remote", "long_description": "Dropback is building front office software for the future of college sports. We help major athletic departments manage their teams' \"salary caps\" and roster limits to construct their most competitive rosters.\r\n\r\nJust two years ago, it became legal for athletes to earn an income beyond their scholarships. Since then, despite college athletes earning $2B+, rapid regulation change has put college sports in disarray. Dropback brings order to this chaos through custom compensation frameworks, roster management, what-if playgrounds, and more--ultimately helping elite programs optimize spend & maximize talent.", "one_liner": "The front office software suite for college sports", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1709324321, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "The two of us met in college 7 years ago, and have been friends since. While jobs originally pulled us apart… (Luke: PM @ Microsoft, then Head of Product @ [Vial](https://vial.com/) - Series B life sciences tech startup. Nick: Engineer @ [PayIt](https://payitgov.com/) and many [side projects](https://www.nicksiscoe.com/)) …_college sports always kept us together_. Our mission is to bring to life the elite software that elite college teams deserve." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Championship-caliber teams are fueled by creative, competitive front offices.Pro teams (NFL, NBA, MLB etc.) already knows this. For years, they’ve spent millions on in-house engineering departments & data gurus to develop custom software for General Managers (and front office staff) to manage rosters _financially_ and optimize spend to remain competitive. It is just now becoming legally possible for college teams to compensate their athletes. In 2021, the NCAA—the governing body of college sports—allowed athletes to earn an income beyond their scholarships per their [NIL (name, image, and likeness) Policy](https://www.ncaa.org/news/2021/6/30/ncaa-adopts-interim-name-image-and-likeness-policy.aspx). While athletes have earned $2B+ since ‘21, and estimated to earn $2B+ in 2025, rapid regulation change and legal arbitrage have put college sports in disarray.This seismic shift of college athletics, we believe, should also disrupt the role software plays in helping Athletic Departments remain competitive. Status-quo software has dominated college athletics for over a decade. Elite programs will demand elite solutions, and one-size-fits-all software that cross-sells & shares data to their customers doesn’t cut it.Dropback wants to raise the bar on _just how advanced_ sportstech can be. So, we’re bringing pro-grade tools to college sports, at a fraction of the cost." } ], "url": "https://www.ycombinator.com/companies/dropback", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/dropback.json", "year_founded": 2024, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/dropback-hq", "x_url": "https://twitter.com/dropbackhq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b7cff51aae96543f4a2b5a8f4b6e64e2b3823e6e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2f96b2e1ced4fb6ca052b328e6d614de92bef610.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/4948ddf4cd666ba370d58994af84bff3d10d320a.png" ], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 453647, "full_name": "Luke Bogus", "title": "Founder/CEO", "founder_bio": "Before Dropback, Luke was Head of Product for Vial, a Series B life science tech startup, helping zero-to-one new clinical trial infrastructure that now generates millions in ARR. Prior, Luke was a Product Manager at Microsoft, and studied computer science and marketing at Nebraska's Raikes School.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lukebogus", "x_url": "https://twitter.com/lukebogus", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/026232d69d69ae53cb66ff20fbdb56db492b7f2d.jpg" }, { "user_id": 366799, "full_name": "Nick Siscoe", "title": "Founder/CTO", "founder_bio": "\"Cursor for Sports\"", "is_active": true, "linkedin_url": "https://linkedin.com/in/nick-siscoe-58a1099b", "x_url": "https://twitter.com/siscoe_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3cbac57c8a673c859dd513b4929cf540f0be1bd8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 84651, "title": "Dropback: Moneyball SaaS for college sports 🏆", "tagline": "We power front offices of elite college sports programs to help teams win off the field.", "body": "Hey! [**Luke** ](https://linkedin.com/in/lukebogus)and [**Nick**](https://linkedin.com/in/nick-siscoe-58a1099b) here, excited to announce **Dropback**.\n\nDropback helps college sports teams build competitive rosters. Starting with roster management and player valuation, Dropback is building toward “the Rippling for sports:” an all-in-one platform for headcount management, contracts, payouts, and more.\n\nWe’re excited to announce [TrueNU](https://truenu.org/), **Northwestern football’s** official NIL Collective, as our first public partner—with more major Power 4 Conference program announcements coming soon.\n\n![uploaded image](/media/?type=post&id=84651&key=user_uploads/453647/7f2c81da-239e-40cd-a55c-c0d7761157b9)\n\n### **🏟️ Problem: Valuing and paying players is a headache for college sports teams**\n\nIn 2021, the NCAA—the governing body of college sports—allowed athletes to earn an income beyond their scholarships. While athletes have earned $2B+ since, rapid regulation change and legal arbitrage have put college sports in disarray.\n\nAthletes are capitalizing on the chaos: signing agents, negotiating contracts, and maximizing pay through free agency. Collegiate athletic departments, however, are lost. And now, with the [Revenue Sharing Era of college sports beginning in 2025](https://www.espn.com/college-sports/story/_/id/41665307/settlement-designed-pay-college-athletes-gets-preliminary-approval)—an effective $22M+ “payroll” to athletes per school—teams need infrastructure to manage rosters _financially_ and optimize spend to remain competitive.\n\nFor years, pro teams (NFL, NBA, MLB etc.) have spent millions on in-house engineering departments & data gurus to develop custom software for General Managers — _like Brad Pitt in Moneyball_ — to do their jobs. It is just now legal for college teams to compensate their athletes, and they’re evolving to think like the pros too—yet today, don’t have the tech to do it effectively.\n\nToday, the multi-million dollar business of college sports runs on whiteboards, bloated incumbent tech, and one-size-fits-all software. Dropback is fixing this.\n\n![uploaded image](/media/?type=post&id=84651&key=user_uploads/453647/dbd17113-5d29-4d93-a5e4-728669e017ff)\n\n### **🏆 Solution: Dropback is “Moneyball-as-a-Service” for college sports.**\n\n**Dropback’s roster valuation platform lets elite programs build private, custom financial models and construct competitive rosters.** We’re bringing the tools that power professional sports front offices to the world of college sports—at a fraction of the cost.\n\n**🧮 Calculate**: Powered by a first-of-its-kind DIY Valuation Modeler, Dropback enables Collegiate General Managers & Coaches to value their athletes their way—via custom metrics, baselines, and weights.\n\n![uploaded image](/media/?type=post&id=84651&key=user_uploads/453647/667d9143-86fb-4c06-8e6f-c0cb7e043a7d)\n\n**🏗️ Construct**: Optimize roster construction and spend with infinite budgets, versions, and rosters that update in real time.\n\n![uploaded image](/media/?type=post&id=84651&key=user_uploads/453647/dd8ca4e7-f874-4ac8-b313-d69a49fc3789)\n\n**🏆 Compete**: Compare athletes across active roster, transfer portal, and high school head-to-head—with teams’ custom models—to build the most competitive roster within the bounds of your budget.\n\n![uploaded image](/media/?type=post&id=84651&key=user_uploads/453647/89bf7cf7-88eb-4193-a508-8f4a706a6f98)\n\n**👀 Coming Soon**: Athlete Management System & Recruitment Data Integrations, AI-powered historical analysis & projections, contract management & payouts, and much more…\n\n### **🥅 Asks:**\n\nKnow an Athletic Department leader?\n\n* **Share this post!**\n* Put them in touch: [hello@dropback.com](mailto:hello@dropback.com)\n* Or, share the blurb below\n\n![uploaded image](/media/?type=post&id=84651&key=user_uploads/89898/e5364cc8-c286-46c9-a7d2-2863c115e0b6)\n\n_Dropback is the front office software suite for college sports. We help major collegiate programs construct competitive rosters—through our roster valuation infrastructure that lets elite programs build private, custom financial models. Our growing list of partners includes TrueNU, Northwestern’s official NIL collective. Contact _[_luke@dropback.com_](mailto:luke@dropback.com)_ for a demo._", "url": "https://www.ycombinator.com/launches/M1L-dropback-moneyball-saas-for-college-sports", "votes": 17, "created_at": "2024-10-09T21:14:27.750Z" }, { "id": 79259, "title": "🏟️ FanCave: Fans offer top college recruits to play at their school", "tagline": "We power the recruitment marketplace for college sports.", "body": "Hey! We’re Nick and Luke, and we’re excited to share [FanCave](https://www.fancave.me).\n\n### **TL;DR: FanCave is the recruiting marketplace for college sports.**\n\nFanCave is the first platform where fans can offer recruits money contingent on enrollment at a specific school. This only became possible on March 1st — rapid regulation changes paved the way for (1) athletes to get paid and (2) a collegiate “free agency” to be compliant.\n\n**We’re live today! Target, offer, and win over top recruits @** \n\n![uploaded image](/media/?type=post&id=79259&key=user_uploads/453647/8979d789-7e89-4990-ada5-085b7118b828)\n\n### **🏟️ Problem**\n\nJust two years ago, the NCAA—the governing body of college sports—allowed athletes to earn an income beyond their scholarships through the [NIL (name, image, and likeness) Policy](https://www.ncaa.org/news/2021/6/30/ncaa-adopts-interim-name-image-and-likeness-policy.aspx).\n\nWhat started as college athletes making money through brand endorsements and custom merch, quickly divulged into **universities inducing top recruits to come to their school through massive contracts.**\n\nHow? A bylaw loophole that created ‘Collectives:’ big-pocket donors pooling their money, using this pool to entice top recruits to play at their school. Top schools rapidly adopted this, yet the same regulatory gray area that made collectives ‘legal’ reflects the gray area in which they operate:\n\n* Not Inclusive: Collectives restrict membership to specific athletes in select sports (top 1%)\n* Not Athlete-Friendly: Predatory terms include short-term contracts, payback clauses, and forced exclusive NIL rights ownership\n* Not Fan-Friendly: Collectives control allocations and only let donors donate to ‘the general fund’—with no transparency\n\nRecent (March 2024) regulation changes pave the way for **a** **new free agency of college sports**, but today’s status quo—collectives—aren’t built for scale, lack athlete trust, and leave fans behind.\n\nThat’s where FanCave comes in.\n\n### **🏆 Solution**\n\nFanCave is the first platform where **you can directly offer recruits money on the condition that they play for your favorite college sports team.**\n\nWe’re building the recruitment marketplace of college sports. Fans directly decide the future of their teams, and athletes fully monetize their recruitment safely and transparently.\n\n* **Target**: Strategize with your fanbase to target your top recruiting prospects\n* **Offer**: Pool offers to win top targets—tracked per-fanbase and per-recruit\n* **Win:** Recruits pick the winning offer. If it’s not yours, you get credited back.\n\n![uploaded image](/media/?type=post&id=79259&key=user_uploads/453647/c704863b-93b2-47c5-bf05-c8bbd08284a1)\n\nBe a top recruiter, rise up the leaderboard, and win team-specific prizes—all while building the future of your favorite college teams!\n\n**FanCave is live, today, across 43 states @** [**www.fancave.me**](http://www.fancave.me)\n\n### 🤝 **Team**\n\nWe ([Luke](https://linkedin.com/in/lukebogus) and [Nick](https://linkedin.com/in/nick-siscoe-58a1099b)) are lifelong sports fans who met at the University of Nebraska.\n\n* [Luke](https://www.linkedin.com/in/lukebogus/) previously led product at a Series B healthtech company, and prior was a Product Manager at Microsoft.\n* [Nick](https://www.linkedin.com/in/nasiscoe/) has been building consumer web and mobile apps from scratch for years, most recently scaling a live sports chat app to 1k WAU.\n\nWhile our post-grad jobs took us cross-country, college sports always brought us together. Combining regulation changes with sheer sports passion, we couldn’t sit on the sidelines any longer: we’re finally building what we wish we had as passionate college sports fans.\n\n![uploaded image](/media/?type=post&id=79259&key=user_uploads/453647/3844e03e-2373-45cb-b434-d061cd5cb690)\n\n### **🙏 Asks**\n\nTry it today @ [https://www.fancave.me](https://www.fancave.me/)\n\n* 🏆 **College Sports Fans!** We made FanCave for you. [Target and offer your top recruit today](https://www.fancave.me/)\n* 🏟️ **Rally your fanbase!** On FanCave, may the best fans win. [Invite fellow fans](https://www.fancave.me/) to team up and bring the nation’s top recruits to your school\n* **👋 Let us hear you!** Love sports and have feedback? Shoot us a note: [hello@fancave.me](mailto:hello@fancave.me)", "url": "https://www.ycombinator.com/launches/KcN-fancave-fans-offer-top-college-recruits-to-play-at-their-school", "votes": 45, "created_at": "2024-03-11T15:22:28.537Z" } ] }, { "id": 29613, "name": "ClaimSorted", "slug": "claimsorted", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84c63763f18d7ea0f559f538047cb3865f092ccc.png", "website": "https://claimsorted.com", "all_locations": "London, England, United Kingdom", "long_description": "ClaimSorted helps insurance companies remove the hassle of managing claims by enabling them to outsource their claim operations to us. This service is known as a Third Party Administrator (TPA). Unlike traditional TPAs, we blend AI and best-in-class experts to deliver a 5-star customer experience, minimise mistakes and speed up claim assessment.", "one_liner": "Making it easy for insurance companies to process claims", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1715711900, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/claimsorted", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/claimsorted.json", "year_founded": 2024, "city": "London", "country": "GB", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/claimsorted", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/84c63763f18d7ea0f559f538047cb3865f092ccc.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": 548277, "full_name": "Pavel Gertsberg", "title": "Founder/CEO", "founder_bio": "Before starting ClaimSorted, Pavel built a pet insurance company, Fluffy, which he scaled to over 20,000 customers working with some of the largest insurers. Before starting his insurance company, Pavel worked as a Head of Growth building marketing, sales and product functions in SaaS and InsurTech companies. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/pavel-gertsberg", "x_url": "https://twitter.com/grtspvl", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/915ce179b1a7b1ae11eef3d72a84736b616f753a.jpg" }, { "user_id": 1866532, "full_name": "German Mikulski", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO at ClaimSorted. Previously founded Fluffy, a pet insurance company, automating ~70% of back-office processes with AI. Formerly at Deutsche Bank, where he developed systems processing over $100 million in transactions", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/german-mikulski/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81c3521142fd7745d7d82bf1967aff21e13ab71f.jpg" } ], "jobs": [ { "id": 88997, "title": "Product Engineer // Full-Stack", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/yzFgT8j-product-engineer-full-stack", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £150K GBP", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 89001, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/Df3aVWm-ai-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £165K GBP", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 92258, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/9jsPuCe-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 92540, "title": "Product Engineer // Front End", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/kW842Qz-product-engineer-front-end", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £150K GBP", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 93285, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/8N1SLMl-forward-deployed-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £150K GBP", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107072, "title": "Founding Account Manager", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/peAuRzS-founding-account-manager", "location": "New York / London", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $180K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107073, "title": "Product Engineer // Full-Stack", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/XC6fslM-product-engineer-full-stack", "location": "London", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £150K GBP", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107074, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/WJRekZ9-ai-engineer", "location": "London", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £165K GBP", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107076, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/7F5yX2H-forward-deployed-engineer", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $230K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107077, "title": "Founding Ops & Strategy // London", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/ayL5EgZ-founding-ops-strategy-london", "location": "London", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "£60K - £120K GBP", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107078, "title": "Founding Ops & Strategy // New York", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/Q0FGPVP-founding-ops-strategy-new-york", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$80K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107079, "title": "Account Executive (Remote)", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/PCMn3Z0-account-executive-remote", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $180K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107081, "title": "Founder Associate // London", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/thyTCmI-founder-associate-london", "location": "London", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "£60K - £110K GBP", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109823, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/91gCi5h-account-executive", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $180K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109824, "title": "Founding Community & Marketing Manager", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/5cIGRI3-founding-community-marketing-manager", "location": "New York / Remote (US)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$100K - $160K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 109825, "title": "Claims Solutions Partner", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/l8nR8mP-claims-solutions-partner", "location": "New York / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $170K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "This Startup Raised $13.3 Million To Inject AI Into One Of The World’s Slowest Industries", "url": "https://www.forbes.com/sites/robertolsen-1/2025/10/13/this-startup-raised-133-million-to-inject-ai-into-one-of-the-worlds-slowest-industries/", "date": "Oct 14, 2025" } ], "launches": [ { "id": 81058, "title": "ClaimSorted: Hassle-free insurance claims with AI", "tagline": "Have you ever wondered why it takes ages to get your money back when you claim on insurance?", "body": "**TL:DR: We help insurers manage claims efficiently by outsourcing claim operations to us. We then use AI to make the process faster and cheaper.**\n\n**🙋 Ask: looking for intros to insurance companies.**\n\n### **Problem**\n\nIf you've ever submitted an insurance claim and it took ages to get your money back, here's why:\n\n**Insurers outsource claims** to claim outsourcing agencies, known as **Third Party Administrators (TPAs)**.\n\nImagine a huge warehouse with **thousands of people using pen and paper** to process millions of claims. That’s why it's so slow.\n\n![uploaded image](/media/?type=post&id=81058&key=user_uploads/548277/a54f1ee1-38f1-4433-93da-1b85a152e545)\n\n### **Solution**\n\nAt [ClaimSorted](https://claimsorted.com/), we are an **AI-first TPA for insurance claims**. We automate fraud checks, compliance, claim decision-making, and **deliver payouts in minutes**. Our AI is paired with a team of experts to ensure accuracy.\n\n![uploaded image](/media/?type=post&id=81058&key=user_uploads/548277/e9bb2909-eee6-492c-a443-514bf23284b7)\n\n### **Team**\n\nWe **previously built an insurance company** and know the struggles of working with TPAs.\n\nWe aim to make every claim a positive experience for customers and drive cost efficiencies for insurers.\n\n![uploaded image](/media/?type=post&id=81058&key=user_uploads/548277/f39d3973-76c7-4a63-a7c8-97d28d79b02c)\n\n_Fun fact, _[_German_](https://www.linkedin.com/in/german-mikulski/)_ was the best man at _[_Pavel_](https://linkedin.com/in/pavel-gertsberg)_'s wedding_\n\n### **Ask:**\n\n**If you know any insurance companies in the US, UK, or EU, please email us at [founders@claimsorted.com](mailto:founders@claimsorted.com)**", "url": "https://www.ycombinator.com/launches/L5O-claimsorted-hassle-free-insurance-claims-with-ai", "votes": 27, "created_at": "2024-05-23T15:06:47.010Z" } ] }, { "id": 29636, "name": "Bayesline", "slug": "bayesline", "former_names": [ "Bayesline, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a34bad8ff76fdef00535145a04bd76a11f215b1.png", "website": "https://bayesline.com", "all_locations": "New York City, NY, USA", "long_description": "Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. \r\n\r\nClients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. \r\n\r\nSebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.", "one_liner": "Highly customizable and blazingly fast analytics for asset managers.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1722543223, "tags": [ "Fintech", "Finance", "B2B", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "We met in 2016 at BlackRock, and lived together during Covid. We both have a very strong mission to revolutionize financial analytics. We thought that the world’s most renowned institutions would be the best place to do that. But it turns out that they move too slowly and are not ready to truly innovate, especially in the age of AI. Leaving our lucrative careers was the only way to pursue our dreams." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "All of financial analytics was built in the 90s on fundamentally an outdated tech stack (C++ on CPUs). The AI community has developed a new stack (Python ML packages on GPUs) that is orders of magnitude faster, both in time-to-market and run-time. Our aim is to rebuild all of financial analytics on this stack; from economic scenario simulation engines for banks and insurers to portfolio risk models for hedge funds. In the future, Bayesline will be integrated in all financial institutions, eliminating the days of waiting for calculation that tens of thousands of industry professionals have to deal with." } ], "url": "https://www.ycombinator.com/companies/bayesline", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/bayesline.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bayesline", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/orgs/Bayesline", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a34bad8ff76fdef00535145a04bd76a11f215b1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fb4bb1de304150c80cad018f66d4e49d856ffc45.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/de0255323712d3a1cfcefc60b875e20c328eebb5.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1931855, "full_name": "Sebastian Janisch", "title": "Founder/CEO", "founder_bio": "Building blazingly fast financial analytics at Bayesline. \nPreviously quant at Bloomberg and BlackRock building investment models running 4T in assets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sebastianjanisch/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/62590dcf51a88cd05066829bd47c6e47f5da853f.jpg" }, { "user_id": 1954098, "full_name": "Misha van Beek", "title": "Founder", "founder_bio": "Misha van Beek is a co-founder at Bayesline. Before Bayesline, Misha was a Managing Director at BlackRock where he led innovation on Aladdin’s portfolio risk models spanning tens of trillions in assets. He also led the research on Aladdin’s economic scenario engine, as well as investment models that run roughly $400 billion in strategic asset allocations across all major asset classes. He holds a PhD in Financial Mathematics from the University of Amsterdam.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mishavanbeek/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/692f665d32c8556cf1dffe3fb2bc340742a392bf.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 82831, "title": "Bayesline - Blazingly fast analytics for Investment Managers", "tagline": "We help hedge funds create more alpha.", "body": "**TL:DR;** We figured out how to fit custom equity factor risk models in seconds instead of weeks. And we can do this across the entire financial analytics landscape. Ad hoc thematic factor construction (think COVID), risk decomposition through time, optimized factor selection, all on the fly and in seconds.\n\nTry out our demo [here](https://app.bayesline.com/signup).\n\n# Why does it matter?\n\nWe each spent nearly a decade at BlackRock and Bloomberg, building products, leading research teams, and empathizing with frustrated clients. They sit at the cutting edge of investment research, coming up with market-beating strategies. **Yet they have to make do with a 20-year-old analytics toolkit** that current vendors offer. \n\nWe are changing that. If the AI community can fit a 300 billion parameter model, there’s no reason why a factor risk model should take a week to compute. In fact, it doesn’t. **We figured out how to do it live and in seconds, and we can do it across the entire analytics landscape**. \n\n# Who is behind this?\n\n![uploaded image](/media/?type=post&id=82831&key=user_uploads/1931855/9d15dc8d-f99b-481f-b378-4f1f9c630691)\n\nHi, we’re Sebastian and Misha.\n\n[**Sebastian**](https://www.linkedin.com/in/sebastianjanisch/)**, CFA** built his expertise in quant research during his time as a Director in BlackRock’s Financial Modeling Group where he implemented and researched equity risk models that analyze trillions in assets.\n\nPrior to Bayesline, he was at Bloomberg, where he incubated the next generation of customizable and actionable quant products as part of the Quant & AI Research group.\n\nA computer scientist by training with M.Sc. in Finance and a passion for quant research, Sebastian spent the last 10 years leveraging the power of machine learning to challenge, innovate, and reshape how institutions think about financial modeling.\n\n[**Misha**](https://www.linkedin.com/in/mishavanbeek/)**, PhD** was among the youngest Managing Directors at BlackRock. He headed the portfolio risk research team that evolved Aladdin’s portfolio risk models across all asset classes.\n\nHe also headed the team that developed Aladdin’s economic scenario engine and investment models that manage roughly $400 billion in strategic asset allocations.\n\nMisha has spent the past 10 years coupling his professional quant training with his personal interest in all things AI and hands-on engineering.\n\n# Our Ask\n\n* **Try our our demo** [here](https://app.bayesline.com/signup). \\\n (only email and name required)\n* **Share this post!** Please help spread the word, as you never know who it may help\n* **Connect us** with quants, portfolio, and risk managers.\\\n \\* blurb to copy & paste:\\\n _The guys at Bayesline are ex-MD level BlackRock and Bloomberg. They are building a new class of analytics for asset managers, starting with equity factor risk and thematic factor construction. They can build fully customized and properly aligned models (custom universe, factors, exposure overrides, etc.) in seconds, far superior to what’s currently available. They deploy on the client cloud, ingest existing vendor data, and provide their engine to compute fully-fledged new risk models and analytics – all on the fly._", "url": "https://www.ycombinator.com/launches/LXz-bayesline-blazingly-fast-analytics-for-investment-managers", "votes": 120, "created_at": "2024-08-07T21:17:52.305Z" } ] }, { "id": 29646, "name": "Corgi Insurance", "slug": "corgi-insurance", "former_names": [ "Corgi", "Corgi Insurance", "Corgi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f66899a62764756d799d5abc511dc4b46f8c151.png", "website": "https://corgi.com", "all_locations": "San Francisco, CA, USA", "long_description": "Corgi is a full-stack insurance carrier building better, faster insurance products for startups. We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs and less friction. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.\r\n\r\n", "one_liner": "Corgi is building an AI financial infrastructure company", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1720644316, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/corgi-insurance", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/corgi-insurance.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/corgiinsurance", "x_url": "https://x.com/usecorgi?s=21&t=bWzZJixuL1vsYJTaXZDfQg", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/corgi-80d7", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f66899a62764756d799d5abc511dc4b46f8c151.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1424115, "full_name": "Nico Laqua", "title": "Founder", "founder_bio": "CEO/CTO of corgi - we do ai financial infrastructure. Pricing risk in the singularity is pretty cool. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nico-laqua-302b17233", "x_url": "https://twitter.com/nico_laqua?lang=en", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e222f04cd20a4080e78b9383ac320db917278672.jpg" }, { "user_id": 1990806, "full_name": "Emily Yuan", "title": "Founder/COO", "founder_bio": "Emily is Co-Founder and COO at Corgi ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emilyyuan96", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ddf9fe57b79cc48ee9cdc56aec6f93f7aa0c510.jpg" } ], "jobs": [ { "id": 81581, "title": "GTM Associate", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/OMHjq7G-gtm-associate", "location": "Dallas, TX, US / Chicago, IL, US / Atlanta, GA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $130K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 81909, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/afQQR4q-business-development-representative", "location": "San Francisco, CA, US / Salt Lake City, UT, US / Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 84585, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/PHbipxC-account-manager", "location": "Dallas, TX, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $85K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89149, "title": "Sales Development Representative", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/cG8dWJi-sales-development-representative", "location": "San Francisco, CA, US / Salt Lake City, UT, US / Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 89564, "title": "Full Stack Engineer - ETF Focus", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/egQtueS-full-stack-engineer-etf-focus", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $300K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 92871, "title": "Head of Fund Administration / COO, Fund Operations", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/vBt326q-head-of-fund-administration-coo-fund-operations", "location": "Chicago, IL, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$175K - $275K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 92872, "title": "Senior Fund Accountant / NAV Lead", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/zgQgmQi-senior-fund-accountant-nav-lead", "location": "Chicago, IL, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93015, "title": "Operations Associate", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/QkzDlzY-operations-associate", "location": "London, England, GB", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "£50K - 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$140K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 113089, "title": "Marketing Associate", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/XiMhxNb-marketing-associate", "location": "Columbus, OH, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$60K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 113090, "title": "Full Stack Engineer - New Product Line", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/MrPadBh-full-stack-engineer-new-product-line", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $160K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 113405, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/aCo3dRD-business-development-representative", "location": "Phoenix, AZ, US / Philadelphia, PA, US / Boston, MA, US / Salt Lake City, UT, US / San Francisco, CA, US / Dallas, TX, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 116801, "title": "Founding Engineer, Transportation", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/JEzeGBS-founding-engineer-transportation", "location": "Boston, MA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $225K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117131, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/7o5TMzR-account-manager", "location": "Dallas, TX, US / Chicago, IL, US / Salt Lake City, UT, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $85K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117263, "title": "General Manager Corgi Cafe", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/yg4b6qg-general-manager-corgi-cafe", "location": "New York, NY, US / San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 117329, "title": "Marketing Lead (Operations Team)", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/FbiSXBL-marketing-lead-operations-team", "location": "London, England, GB", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "£50K - £80K GBP", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [] }, { "id": 117417, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/98uADco-account-executive", "location": "Philadelphia, PA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $230K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "AI Insurance Startup Corgi Doubles Valuation To $2.6 Billion In Weeks", "url": "https://www.forbes.com/sites/richardnieva/2026/05/28/corgi-doubles-valuation/", "date": "May 28, 2026" }, { "title": "This AI Insurance Company With An All-Night Cafe And Cheeky Corgi Is Now A Unicorn", "url": "https://www.forbes.com/sites/richardnieva/2026/05/05/corgi-ai-unicorn/", "date": "May 06, 2026" }, { "title": "San Francisco coffee shop Corgi Cafe is run by an AI insurance startup", "url": "https://www.mercurynews.com/2026/04/28/this-bay-area-cafe-is-open-24-hours-a-day-its-owners-want-you-to-buy-ai-insurance/", "date": "Apr 28, 2026" }, { "title": "San Francisco coffee shop Corgi Cafe is run by an AI insurance startup", "url": "https://www.mercurynews.com/2026/04/28/this-bay-area-cafe-is-open-24-hours-a-day-its-owners-want-you-to-buy-ai-insurance/", "date": "Apr 28, 2026" }, { "title": "Startup insurer Corgi raises $108M at $630M valuation", "url": "https://www.axios.com/pro/fintech-deals/2026/01/08/startup-insurer-corgi-108-million-630-million-valuation", "date": "Jan 08, 2026" } ], "launches": [ { "id": 82043, "title": "Corgi Insurance", "tagline": "Corgi is the first insurance carrier built for startups and technology companies.", "body": "Corgi is a full-stack insurance carrier building better, faster insurance products for [startups](https://www.corgi.insure/startup-insurance). We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs, less friction, and better pricing. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.\n\nGet an instant quote for all common startup coverages at [www.corgi.insure](https://www.corgi.insure). Corgi provides the following lines of coverage, and more:\n\n* [Directors and Officers Insurance](https://www.corgi.insure/blog/do-insurance-for-startups)\n* [Commercial General Liability Insurance](https://www.corgi.insure/blog/cgl-insurance-for-startups)\n* [Technology Errors & Omissions Insurance](https://www.corgi.insure/blog/tech-eo-insurance-for-startups)\n* [Cyber Liability Insurance](https://www.corgi.insure/blog/cyber-insurance-for-startups)\n* [Employment Practices Liability Insurance](https://www.corgi.insure/blog/epli-insurance-for-startups)\n* [Media Liability Insurance](https://www.corgi.insure/blog/media-liability-insurance-for-startups)\n* [Hired and Non-Owned Auto Insurance](https://www.corgi.insure/blog/hnoa-insurance-for-startups)\n* Representations & Warranties Insurance\n\nGet an instant quote online or [talk](https://www.corgi.insure/get-advisor) to a licensed insurance representative to learn about your startup’s risk exposure and insurance needs.\n\n![uploaded image](/media/?type=post&id=82043&key=user_uploads/1990806/a3293664-e7bb-43d5-90e4-8cbab5d79ec7)\n\n", "url": "https://www.ycombinator.com/launches/LLH-corgi-insurance", "votes": 43, "created_at": "2024-07-11T14:16:58.271Z" } ] }, { "id": 29730, "name": "Saturn", "slug": "saturn", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b86d0449e238a14d1e61291d7f68a95e0d8fafc5.png", "website": "https://www.SaturnOS.com", "all_locations": "London, England, United Kingdom", "long_description": "At Saturn, our mission is to make financial peace of mind more accessible by building the best operating system for wealth managers. \r\n\r\nWealth and Asset Management is one of the world’s highest revenue-generating industries, yet it remains painfully inefficient. The sector relies heavily on disjointed legacy systems, manual human tasks, and a complex web of intermediaries, all of which increase costs. \r\n\r\nSaturn is an AI-powered operating system for wealth management built to automate investment research, streamline operations, and ensure compliance. Saturn creates the best version of truth, empowering investment advisors to work more efficiently, navigate complex regulatory landscapes, and deliver personalised, high-value services to their clients.\r\n\r\nToday, Saturn supports over 200 firms globally that manage more than £35bn in assets under management (AUM) and over 200,000 clients.\r\n\r\nAs the industry grows, it faces massive operational challenges like bad tech, advisor retirements, regulatory pressure, an increased cost base, and transformational opportunities like great intergenerational wealth transfer and changing consumer needs.\r\n\r\nSaturn aims to be at the forefront of this transformation, driving the future of wealth management.", "one_liner": "Compliance and back office workflows for Wealth Managers.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1724331890, "tags": [ "Fintech", "Generative AI", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Managing wealth and access to financial services will be a standard for all." } ], "url": "https://www.ycombinator.com/companies/saturn", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/saturn.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/saturntechnology/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b86d0449e238a14d1e61291d7f68a95e0d8fafc5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 352395, "full_name": "Amal Jolly", "title": "Founder/CEO", "founder_bio": "Financial peace of mind enables every human to achieve more; we are on a mission to scale that\n\nExperienced in Product/GTM in Banking, Insurance, Wealth/Asset Management and Capital Markets technologies.", "is_active": true, "linkedin_url": "https://linkedin.com/in/amaljolly", "x_url": "https://twitter.com/theamaljolly", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8db0d45ea9f12cf5f9d62737b29c4b8258a880bd.jpg" }, { "user_id": 807826, "full_name": "Michael Ettlinger", "title": "Founder/CTO", "founder_bio": "CTO & Co-Founder at Saturn AI\n\nLaunched AI products used by 20M+ users across various industries. Background in AI research, focused on AI Agents since 2017.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaelettlinger/", "x_url": "https://twitter.com/etticat", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8ea236a5751ed0c5dbff98c5e951e9463e85f31c.jpg" }, { "user_id": 1537188, "full_name": "Rohit Vaish", "title": "Founder", "founder_bio": "President & Co-founder at Saturn. \n\nRohit has expertise in building investment portfolios for Wealth Management firms having spent over 5 years at BNY Mellon. Alongside that, he also led firm wide compliance initiatives across the UK fund management company to assess value for money and client suitability. \n\nAfter leaving financial services, Rohit led Product and Operations teams in a variety of startups before founding Saturn. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rohit-vaish/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/71e7457aa02f2414c70e8529ecdbcbb9953e3ffc.jpg" } ], "jobs": [ { "id": 93044, "title": "Senior Product Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/Q5qgxQy-senior-product-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 104497, "title": "Partner", "url": "https://www.ycombinator.com/companies/saturn/jobs/X6cOXNi-partner", "location": "London, England, GB", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "£140K - £190K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107398, "title": "Founding Talent Partner", "url": "https://www.ycombinator.com/companies/saturn/jobs/5Yqfhgl-founding-talent-partner", "location": "London, England, GB", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Full cycle", "salary_range": "£60K - £100K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107399, "title": "Staff Product Manager", "url": "https://www.ycombinator.com/companies/saturn/jobs/BwKwkZ5-staff-product-manager", "location": "London, England, GB", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "£120K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107400, "title": "Lead Product Manager", "url": "https://www.ycombinator.com/companies/saturn/jobs/UkxWKgo-lead-product-manager", "location": "London, England, GB", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "£120K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107401, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/pj3ssuS-senior-backend-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 109810, "title": "Accounting Associate", "url": "https://www.ycombinator.com/companies/saturn/jobs/t7X9JIR-accounting-associate", "location": "London, England, GB", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "£60K - £80K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110201, "title": "Data Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/oD1WgWP-data-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "£80K - £130K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 110202, "title": "Security Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/OJLrDTi-security-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "£80K - £130K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Our $15M Series A To Make Quality Financial Advice Accessible - Saturn | AI for Financial Advice", "url": "https://www.saturnos.com/journal/saturn-15m-series-a-to-make-quality-financial-advice-accessible", "date": "Oct 22, 2025" }, { "title": "Saturn | 14 wealthtech startups to watch, according to VCs | Sifted", "url": "https://sifted.eu/articles/14-wealthtechs-to-watch-according-to-vcs", "date": "Feb 16, 2025" }, { "title": "How three IFA firms are using AI ", "url": "https://citywire.com/new-model-adviser/news/how-three-ifa-firms-are-using-ai/a2458184", "date": "Feb 10, 2025" }, { "title": "FEIFA partners with fintech pioneer Saturn | International Adviser", "url": "https://international-adviser.com/feifa-partners-with-fintech-pioneer-saturn/", "date": "Dec 10, 2024" }, { "title": "How wealth and financial advice firms have embraced AI in 2024 - FTAdviser", "url": "https://www.ftadviser.com/adviser-technology/2024/12/4/how-advice-firms-have-embraced-ai-in-2024/", "date": "Dec 02, 2024" } ], "launches": [ { "id": 83502, "title": "🪐 Saturn: Backoffice and Compliance automation for Wealth Managers", "tagline": "We help wealth managers be super efficient on investment research, compliance and back-office operations", "body": "**tldr:** [Saturn](https://www.saturnos.com/) automates investment research, compliance, and back-office workflows for wealth managers, significantly reducing operational costs and freeing up time to focus on client engagement and growth.\n\n—\n\n---\n\n---\n\n---\n\nHey everyone, we're [Michael](https://www.linkedin.com/in/michaelettlinger/), [Rohit](https://www.linkedin.com/in/rohit-vaish/), and [Amal](https://linkedin.com/in/amaljolly), and we are on a mission to make wealth building more accessible for everyone by making wealth managers more efficient and scalable.\n\n![uploaded image](/media/?type=post&id=83502&key=user_uploads/352395/3ed6ecb3-c388-4a19-ba8d-49b9268f54ad)\n\n🧨 The Problem:\n\n# Servicing a client with compliance and back-office tasks is a time drain\n\nWealth managers spend an inordinate amount of time and resources on manual compliance and administrative tasks. This inefficiency leads to higher operational costs and limits their ability to serve more clients effectively.\n\nTake our client, Jason, as an example. Jason runs a mid-sized advisory firm in Norwich, UK, with over 15,000 clients and spends over 15 hours per client per year on compliance paperwork and back-office management all for doing one check-in a year. \n\nThese manual processes drain his time and increase operational costs. This time and money could be better spent on growing his client base and enhancing client services.\n\n🎉 The Solution:\n\n# Automated AI-powered wealth management operating system built for scale and personalisation\n\n![uploaded image](/media/?type=post&id=83502&key=user_uploads/352395/d23cb6a5-b78d-4494-8b52-4dea6abc4d31)\n\nSaturn helps wealth managers like Jason automate their compliance and back-office tasks, allowing them to focus more on client engagement and growth. Our platform uses AI to streamline processes and ensure real-time compliance, including:\n\n* Personalised investment research  \n* Faster client onboarding \n* Seamless Compliance reporting \n* Client growth & analytics\n\n**Using Saturn, wealth managers:**\n\n✔️ Save over 50% of the time typically spent on compliance and admin tasks  \n\n✔️ Increase operational efficiency, allowing them to offer more services and serve more clients\n\n✔️ Improve personalisation, retention and net revenue from their client\n\n💎 Opportunity:\n\n# Driving the Future of Wealth Management\n\nWealth management firms, like Jason's, waste countless hours and resources on manual compliance and operations—a massive inefficiency across the industry. Saturn is uniquely positioned to eliminate this burden through complete AI powered backoffice automation.\n\nImagine a world where wealth managers can seamlessly guide clients through their entire financial lifecycle, making this service accessible to many more people. This is the future Saturn aims to create.\n\n> Big opportunities like the wealth transfer, growing consumer needs amongst wider demographics requires a more digital and robust system to serve them.\n>\n> The current systems simply cannot scale to serve the need, they are plagued by operational challenges added by bad tech, increasing regulatory pressure, and cost base.\n>\n> This industry is in a dire need of a transformation\n>\n> **Saturn aims to be at the forefront of this transformation, driving the future of wealth management.**\n\n**✅ Progress so far**\n\n1. Grown to serve 200 firms globally\n2. Cashflow positive since month 2 in the market, live since Feb.\n3. Awesome team of 8 people.\n\n👋 **Ask: How you can help**\n\n1. Connect us to wealth managers or financial advisors in your network. [Intro us.](https://mailto:founders@heysaturn.com)\n2. Know any killer engineer or product visionaries with experience in Wealth Tech and Financial Services. [Intro us.](mailto:founders@heysaturn.com)", "url": "https://www.ycombinator.com/launches/Lio-saturn-backoffice-and-compliance-automation-for-wealth-managers", "votes": 42, "created_at": "2024-08-28T14:24:38.046Z" } ] }, { "id": 29735, "name": "FINNY AI", "slug": "finny-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2d0e659d5d03f52a35513c7fe53a3701c771832.png", "website": "https://www.finny.com/", "all_locations": "New York City, NY, USA", "long_description": "FINNY is the AI-native organic growth engine for financial advisors, focused on helping them grow their practices\r\n \r\nOur goal is to empower financial advisors to reach the right potential clients at the right time, with the right message. We are building a world where anyone who wants financial advice can connect with the right advisor, while helping advisors ensure organic growth, the most existential problem advisors face. \r\n \r\nThe organic growth process has historically been highly inefficient and full of noise. Advisors often waste 60+ hours of business development to convert 1 new client. \r\n\r\nAt FINNY, we are certain we can do better with AI. With our tool, advisors can:\r\n- Identify prospects within their target niche, aggregating thousands of data points per lead\r\n- Prioritize prospects based on their predicted likelihood of converting using F-Score, a score unique to each advisor and prospect pair\r\n- Automate the outreach and meeting scheduling with their high priority prospects\r\n\r\nIn essence, FINNY does all the rote work for the advisors, letting them focus on what actually matters: the client relationship.", "one_liner": "The organic growth engine for financial advisors ", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1716852989, "tags": [ "Fintech", "Machine Learning", "Finance", "Sales Enablement", "Automation" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/finny-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/finny-ai.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finnyai/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/finny-6acf", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2d0e659d5d03f52a35513c7fe53a3701c771832.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1755270, "full_name": "Eden Ovadia", "title": "Founder/CEO", "founder_bio": "Eden is the Co-founder and CEO of FINNY.\n\nShe studied Software Eng. at McGill University with a focus on ML. Prior to starting FINNY, Eden was at BCG where she worked in Private Equity & Financial Services. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/edenovadia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cb89e9ce9be37246ecb1f3e0e66556756e6db01.jpg" }, { "user_id": 1754854, "full_name": "Theodore Janson", "title": "Founder/CTO", "founder_bio": "Theo is the co-founder and CTO at FINNY. \nBefore FINNY, Theo worked as an applied ML engineer in an early Fintech startup, leading the development of statistical models and LLMs for automated financial analysis. He has also held research roles in LLM explainability and particle physics. Theo has degrees in electrical engineering and CS from Ecole Polytechnique (X) and McGill University.\n\n\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/theodore-janson", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b30d06543a1a116e358a9ec48f753d7e759411e2.jpg" }, { "user_id": 1630058, "full_name": "Victoria Toli", "title": "Founder", "founder_bio": "Victoria is the co-founder and CPO of FINNY, an AI-driven growth engine for financial advisors. \n\nBefore FINNY, she was a Product Manager at Uber, where she led growth and international expansion for Uber One. She holds a BS in Symbolic Systems, Artificial Intelligence from Stanford. Victoria grew up in Athens, Greece. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/victoria-toli/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9493c48a901d6d10732682c7f6b2b657f49c8953.jpg" } ], "jobs": [ { "id": 92443, "title": "Product Engineer ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/diUrCMS-product-engineer", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110017, "title": "Senior Account Executive, Enterprise ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/ZpW4jSD-senior-account-executive-enterprise", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 110018, "title": "Growth Marketing Manager ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/tVk0vEd-growth-marketing-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$140K - $170K", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 110019, "title": "Growth Strategist, Enterprise ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/woHEz5n-growth-strategist-enterprise", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$130K - $150K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "WealthTech Roundup: FINNY Partners With Osaic for AI", "url": "https://www.wealthmanagement.com/artificial-intelligence/wealthstack-roundup-finny-partners-with-osaic", "date": "Jan 29, 2026" }, { "title": "FINNY closes $17M Series A to help RIAs fight organic growth squeeze - InvestmentNews", "url": "https://www.investmentnews.com/fintech/finny-closes-17m-series-a-to-help-rias-fight-organic-growth-squeeze/263644", "date": "Dec 18, 2025" }, { "title": "FINNY Adds Multi-Channel, Automated Prospect Outreach Feature", "url": "https://www.wealthsolutionsreport.com/finny-adds-multi-channel-automated-prospect-outreach-feature/", "date": "Aug 07, 2025" }, { "title": "YC-backed Finny is using AI to match financial advisors with prospects | TechCrunch", "url": "https://techcrunch.com/2024/12/11/yc-backed-finny-helps-financial-advisors-find-new-clients/", "date": "Dec 11, 2024" }, { "title": "Finny and the Great AdvisorTech Acceleration | Wealth Management", "url": "https://www.wealthmanagement.com/technology/finny-and-great-advisortech-acceleration", "date": "Aug 12, 2024" } ], "launches": [ { "id": 82467, "title": "⚡FINNY - Supercharge organic growth for Financial Advisors", "tagline": "We help independent financial advisors find and convert new clients, using AI. ", "body": "Hey everyone, we are Theo, Eden, and Victoria — the founders of [FINNY](https://www.finnyai.com/). We help independent financial advisors find and convert new clients, using AI.\\\n\\\nIf you’re confused as to why the three of us are so excited about building for financial advisors, keep reading.\n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/89898/9cd181f2-59e6-4458-b5c9-250b9399ee43)\n\n# 🧑‍🔬 **The Team**\n\n**🏦The Sales Whisperer**  \n\n[Eden](https://www.linkedin.com/in/edenovadia/) was most recently at BCG NYC, where she primarily worked in the Tech, Financial Institutions & Private Equity practices. She holds a BEng in Software Engineering from McGill (ML focus). \n\n**👾The Model Man** \n\n[Theo](https://www.linkedin.com/in/theodore-janson/) worked as a ML engineer at an early Fintech startup and AI researcher in Explainable ML. He holds a BEng in EE and Math from McGill and MS in AI from Ecole Polytechnique, Paris.\n\n**👩🏼‍🎨The Visionary** \n\n[Victoria](https://www.linkedin.com/in/victoria-toli/) came from Uber, where she led membership growth for Uber One as a Product Manager. She holds a BS from Stanford in Symbolic Systems (AI focus). \n\n# **🫶🏻 Why are we obsessed with Financial Advisors?**\n\n* **The Great Wealth Transfer** - $80T of wealth will be transferred from the Boomer/Silent Gen to the next generation over the next 20 years. \n* **Retiring advisors** - 45,000 financial advisors are over the age of 65 in the US, managing $3T in wealth that will change management when they retire.\n* **Wealth creation** - Wealth is being created in unprecedented ways (E.g., Innovation, Entrepreneurship, Social media, Racial wealth gain), but the institution serving the wealth has not changed\n* **Consolidation** - Private equity driving consolidation of a historically long tail of independent advisors\n* **Price Inertia:** Financial Advisors are used to paying 25 bps annually IN PERPETUITY for referrals. That’s $200B annually from the wealth transfer alone.\n\n \n\n# 💀 **The Problem FINNY is Solving**\n\nFinancial advisors manage >$100T in assets globally. Yet, bringing on new clients is highly inefficient. Their best bet is to repurpose horizontal solutions - like Linkedin, ZoomInfo, and Pitchbook - to create long and noisy prospect lists. However, without a proper way to qualify these leads or even reach their particular niche at scale, advisors end up spending an average of **58 hours** going after the wrong, often unqualified prospects before converting one new client.\n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/1755270/ea1b3592-dc3a-4581-86ad-447709eec5bf)\n\n# 💡 **The Solution**\n\nFINNY is reimagining organic growth for financial advisors with AI. Our first product, a multi-channel Sales agent, allows users to sit back and relax while it goes “out in the wild” (aka our massive database of high-net-worth individuals) and prospects for them. It’s like your intern, except it’s always on, running in the background.\n\nFINNY’s goal is for advisors to wake up in the morning to meetings with prospects on their calendars, entirely booked by FINNY. Our value proposition is three-fold: \n\n1. **_Prospect identification:_**\n * _We identify prospects within their target niche, aggregating thousands of data points per lead and constantly monitoring for life triggers_\n\n  \n2. **_Prospect prioritization_:**\n * We prioritize prospects based on their predicted likelihood of converting, a score unique to each advisor and prospect pair\n3. **_Prospect outreach & engagement:_**\n * _We automate the outreach and meeting scheduling with the high-priority prospects, intelligently selecting the optimal channel for the specific prospect_\n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/1755270/2df42888-af79-4d31-a06f-a153ff0487e7)\n\n# ✅ **Progress so far**\n\nIn just 3 months, we have:\n\n* Released the **1st** and **2nd iteration** of the product to 15 advisory firms.\n* Grown revenue by >**11x** MoM.\n* Got **70** firms to join our waitlist, without any acquisition efforts or outbound.\n* **Won** Morningstar’s Fintech Showcase last month.\n* Have been getting some **buzz**! [Here](https://www.businesswire.com/news/home/20240724776742/en/Future-Proof-Announces-Groundbreaking-Lineup-of-Fintech-Demo-Drop-III-Finalists) and [here](https://www.downtownjoshbrown.com/p/future-financial-advice-already-993f).\n\n \n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/1755270/5a150faf-0c65-424a-96f1-90f6e4c79b94)\n\n# **❓One Ask for You (If you made it this far)**\n\nIf you ever thought about working with a financial advisor, evaluated one, currently work with one _(or want to get matched with one_ **😉**_),_ we’d love to talk to you. Book 15 min with us [here.](https://calendly.com/eden-finny/finny-intro-call) If you’re in SF, we’ll buy you a coffee. If not, let’s call it an IOU.", "url": "https://www.ycombinator.com/launches/LS7-finny-supercharge-organic-growth-for-financial-advisors", "votes": 62, "created_at": "2024-07-26T15:05:12.600Z" } ] }, { "id": 29775, "name": "Brighterway", "slug": "brighterway", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c3ccc32c3cef12a79c45aceb7aa532c954f0602.png", "website": "https://www.brighterway.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Brighterway builds systems that handle the paperwork behind workers’ comp and casualty claims, automating the work around each claim from intake to administration to state reporting. Trusted by companies ranging from mid-market to Fortune 500.", "one_liner": "AI-native claims software and administration for casualty claims", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1721172901, "tags": [ "Health Tech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/brighterway", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/brighterway.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c3ccc32c3cef12a79c45aceb7aa532c954f0602.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1157448, "full_name": "Walker Wells", "title": "Founder/COO", "founder_bio": "Before Brighterway, Walker studied Statistics and Data Science at Yale University. He has also previously led a team of interns on a data science project focused on tracking user engagement and feature impressions at another startup. Fun fact? He solo-backpacked for 5 months at the ripe age of 18.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/walker-wells-8a85b1198/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6238a25c95f5923a46009e52536e8b4337865b6f.jpg" }, { "user_id": 1159843, "full_name": "Jason Apostol", "title": "Founder/CTO", "founder_bio": "Working on better claims handling. Previously studied Computer Science at Yale.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jason-apostol-063039a5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f2a4228b1212ebf8c19ce3b71ea456523aca2f1c.jpg" } ], "jobs": [ { "id": 85674, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/brighterway/jobs/ERXvXtu-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $170K", "equity_range": "0.50% - 0.75%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "JavaScript", "Kubernetes", "Python", "React", "Serverless" ] }, { "id": 88138, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/brighterway/jobs/vJvWxbO-senior-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $240K", "equity_range": "0.50% - 2.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "Python", "React", "Machine Learning" ] }, { "id": 88266, "title": "Sales Associate", "url": "https://www.ycombinator.com/companies/brighterway/jobs/UfDkqaY-sales-associate", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $100K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 29789, "name": "Paasa", "slug": "paasa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/69545faa0fc0f7ee6b89313f1c320d59486f1802.png", "website": "https://paasa.com", "all_locations": "Gurugram, HR, India", "long_description": "Paasa helps wealthy Indians invest in global equities - without middlemen, hidden fees, or paperwork.\r\n\r\nWhile high-net-worths in India often have international expenses from children's education to healthcare, most still save in INR, a currency that depreciates ~2–5% per year against the USD. Why?\r\n\r\n- Broken outward remittance process\r\n- Fear of making mistakes in tax or compliance\r\n- Paper-heavy onboarding processes of international brokers\r\n- Lack of trustworthy guidance\r\n\r\nPaasa offers a mobile app that enables Indians to trade worldwide, invest via advisory, and automate every cross-border tax filing.", "one_liner": "Invest in Global Equities from India", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1723926494, "tags": [ "Fintech", "Consumer", "Investing", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paasa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/paasa.json", "year_founded": 2024, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/paasa", "x_url": "https://x.com/paasainvest", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/69545faa0fc0f7ee6b89313f1c320d59486f1802.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1349737, "full_name": "Nitish Sahni", "title": "Founder/CEO", "founder_bio": "Invest in global markets from India.", "is_active": true, "linkedin_url": "https://linkedin.com/in/nitishsahni", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5698052f2c8b615eea9d1b979f9eac883fdc5342.jpg" }, { "user_id": 1961202, "full_name": "Sparsh Sharma", "title": "Founder", "founder_bio": "Chief product officer at Paasa", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sparsh-sharma-design/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8b3548ef5824a7bc28611d7c2c95679e26331d43.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83571, "title": "Paasa - Build wealth across borders", "tagline": "Invest in US markets from emerging economies.", "body": "[Paasa](https://paasa.com/) gives high-net-worth individuals (HNIs) in emerging markets the same globally diversified portfolios as HNIs in America.\n\n![uploaded image](/media/?type=post&id=83571&key=user_uploads/1349737/99f6cc47-f702-4c67-b7c8-9659ff814b35)\n\n**What’s the problem?**\n\n‘Pre-HNIs’ and HNIs in countries like India want to diversify their wealth internationally. A few cross-border brokerage apps exist, but most customers hesitate due to:\n\n* Lack of guidance on foreign investments\n* Remittance regulations that change every year\n* Cross-border tax filing that their CFAs struggle with\n* Slow outflows from local banks\n\nThese barriers keep global investing out of reach, reserved for the top 0.001% who can afford wealth managers and family offices. We’re changing that.\n\nOur vision is to bring all the opportunities of the 0.001% to the pre-HNI without any hassle.\n\n**Team**\n\n[Sparsh](https://www.linkedin.com/in/sparsh-sharma-design/) and I ([Nitish](https://linkedin.com/in/nitishsahni)) grew up in India and have known each other for 5 years. Both personal finance nerds, we previously worked at SoFi, where Sparsh led design on Student Loan Refinance, and I led engineering projects on Data Governance.\n\n**Ask**\n\nIf you’re in India and want to invest globally, [reach out](https://paasa.co/form)! We’re [founders@paasa.co](mailto:founders@paasa.co)\n\n![uploaded image](/media/?type=post&id=83571&key=user_uploads/1349737/821d0b76-d224-43b7-996d-a539b271dba9)\n\n", "url": "https://www.ycombinator.com/launches/Ljv-paasa-build-wealth-across-borders", "votes": 131, "created_at": "2024-08-29T15:14:04.755Z" } ] }, { "id": 29796, "name": "Finosu", "slug": "finosu", "former_names": [ "Cedar Star" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "website": "https://www.finosu.com", "all_locations": "New York City, NY, USA", "long_description": "Hi - Mark and Gab here!\r\n\r\nWe met while working at Alt, a marketplace for collectibles, where we built a $200 million specialty finance business line. At Alt, we faced the complex challenges that come with servicing consumer loans. We spent countless hours and resources developing internal tools to manage loan payments, communicate with borrowers, and keep track of loan performance—all while ensuring a positive experience for our customers.\r\n\r\nHowever, after dealing with the headaches of manual data entry, fragmented systems, delayed payments, lack of personalized borrower engagement, and the stress of maintaining accurate records, we knew there had to be a better way to service consumer loans.\r\n\r\nSo, we started Finosu to build the servicer we wish we had—an AI-powered consumer loan servicer designed to streamline and enhance every aspect of the loan servicing process. \r\n\r\nOur mission is to transform loan servicing into a seamless, efficient, and customer-centric experience.\r\n\r\nThe operational cost of servicing loans reaches into the tens of billions a year and that is money out of the pocket of lenders, borrowers, investors, and ultimately the consumers as a cost of doing business – we are changing that.", "one_liner": "AI Native Consumer Loan Servicer", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1723762134, "tags": [ "Fintech", "B2B", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/finosu", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/finosu.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finosu/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.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": 1996346, "full_name": "Mark Ricciardi", "title": "Founder/CEO", "founder_bio": "Started in finance as a special situations private credit investor and then moved to tech to build productized credit instruments. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mark-ricciardi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5ca99bd24073b14bb11402d745e4abffa1fde18.jpg" }, { "user_id": 1997164, "full_name": "Gabriel Vincent Kho", "title": "Founder/CTO", "founder_bio": "Stanford grad. Ex-Flexport. AI consultant (not currently because I'm working on my own start-up). I'm currently working on fixing the problems I faced in the credit space while working at Alt.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/", "x_url": "https://twitter.com/gakho", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/daa745f43901a4e738ce7bf3b80728b0ab7cdbfd.jpg" } ], "jobs": [ { "id": 90198, "title": "Infra Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/TKx1Llu-infra-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$125K - $200K", "equity_range": "0.25% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "React", "Redis" ] }, { "id": 100351, "title": "Data Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/bzA1L0R-data-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Google Cloud", "Kubernetes" ] }, { "id": 100352, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/b3vdf0y-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83104, "title": "Finosu: Automated compliance for consumer lending", "tagline": "We automate mandatory compliance to save lenders, investors, and auditors time and money.", "body": "**TL;DR: The consumer lending compliance process sucked, and so we started Finosu to build the tools we wish existed.**\n\nHi all - we’re [Gabriel](https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/) and [Mark](https://www.linkedin.com/in/mark-ricciardi/). Together we built a $200m lending business within a fintech marketplace, and in doing so, spent hundreds of hours and hundreds of thousands of dollars on compliance work. \n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXewpShqbgrlpyOsuXmfPgyGdsFEMU-TvpnSN6zuBIVArSX2HyhiMSKCq-ksNr3LxRgI0ZfbArgbK9z7hZatDiRF3kyBB52ql40rnruBlrvUBZaTmEIqMJX4K8yK7dHBfQ_LHdvOr3ZVLRXjhNSLxXNMvR0B?key=yRFyYsAwfokUFio43hbr7g)\n\n**Problem:**\n\n* Regulatory compliance is mandatory to access the $5 trillion US consumer credit market\n* Compliance today is expensive, relies heavily on manual processes to navigate the complicated state and federal laws, and operates reactively to audit requests\n\n**Solution:**\n\nOur software relieves the pain of hunting through regulatory codes, the confusion of form filling, the surprise of regulatory deadlines, the monotony of PDF data extraction, the anxiety of brittle Excel spreadsheets, and the frustration of buried email threads with advisors… to name a few…\n\nWe ingest lenders’ existing information (PDFs, excels, loan management systems, etc.) and:\n\n* automate filing and maintenance of state lending licenses\n* automate preparation for loan book auditing \n* provide a loan management system that is natively and proactively compliant\n\n ![uploaded image](/media/?type=post&id=83104&key=user_uploads/1996346/d368a12c-36cf-4ae3-8cce-f9e622731adc)\n\n\n**Why now:**\n\n* The cost of compliance has skyrocketed as federal agencies such as the Federal Reserve, FDIC, and OCC have [increased scrutiny](https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/small-group-of-banking-as-a-service-banks-logs-big-number-of-enforcement-actions-80067110) on sponsor bank partnerships\n\n**The ask:**\n\n* If you work in or around all forms of lending at a fintech, investor, advisor, broker, or bank, we’d love to chat! \n* Share this post! If there is anyone in your network who deals with consumer lending, we would love to learn more about their problems and see if we can be helpful!\n * Copy & paste blurb: A team of ex-fintech operators created a product to automate regulatory licensing and loan book auditing for consumer lending. Contact [mark@finosu.com](mailto:mark@finosu.com) to see a demo from the founders.", "url": "https://www.ycombinator.com/launches/LcO-finosu-automated-compliance-for-consumer-lending", "votes": 334, "created_at": "2024-08-15T23:13:24.511Z" } ] }, { "id": 29820, "name": "Kontigo", "slug": "kontigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ea469fed3c60e9950eccadce6c5b7f8fcd6569.png", "website": "https://kontigo.lat/", "all_locations": "San Francisco, CA, USA", "long_description": "We’re building Kontigo, a USDC Smart Neobank for Latinos in the U.S. and Latin America.\r\n\r\nWe launched our Peer-to-Peer onramp 20 days ago and we’ve already had $540k in deposits, 10k active users and a +300k waitlist. \r\n\r\nThe founding team has built and scaled fintechs in Latam, and it’s ex-Venmo, Nubank, Rappi, MercadoLibre, Ualá, Platzi, and Yuno. \r\n\r\nWe’re already backed by DST Global, Soma Capital, Pioneer Fund, Transpose + 10 YC alums.\r\n\r\nSending money to Latin America is just as painful as holding it due to the region's fragmentation into 33 countries with 39 different currencies. \r\n\r\nOn one hand, cross-border payments to Latam are absurdly expensive (up to 20% per transaction). Conversely, over the past decade, currency depreciation across the region has become unsustainable. (some countries surpassing the trillion percent ). \r\n\r\nKontigo solves this with a USDC global wallet & a BTC savings account. \r\n\r\n- Like Venmo, but on-USDC.\r\n- Like Zelle, but for cross-border payments. No limits.\r\n- Like Nubank & Revolut, but without inflationary currencies. Bitcoin-backed.\r\n\r\nUser wallets are connected to an AI-private banker on WhatsApp to execute international USDC transactions. ", "one_liner": "USDC-Smart Neobank for Latinos. ", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1718239306, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kontigo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/kontigo.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kontigolatam/?viewAsMember=true", "x_url": "https://x.com/kontigo_app", "fb_url": "https://www.facebook.com/profile.php?id=100094816617944", "cb_url": "https://www.crunchbase.com/organization/kontigo-inc", "github_url": "https://github.com/Kontigo-Inc/kontigo", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/29ea469fed3c60e9950eccadce6c5b7f8fcd6569.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/29879/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAOTKCHR7A%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022721Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJHMEUCIQDeV7cQCYWa%2ByyakJaw7aH8e0HNWEyd2tO1Fn9KHjIpkgIgJPUveNomWrSf4Oq5DPuVDY7LKeaNJPvi5F2sbSx87Hoq5QMIOhAAGgwwMDYyMDE4MTEwNzIiDJ7%2FkqUU8p5mIeDC5CrCA7F4UggTYlVYiff4mYkoYiIpXa9r%2FKkUhcKwMNwtYpcuNTEBtH5xi9Hzkl3B%2FOYmUn%2FIacrdemsB9KrtOuRo%2FccaY%2Bs%2FSuIzime%2BcYuI7%2B%2Fg2nldjcm7YPCf32sIR8EflXc2916%2FDRMbztsRKDiQDL1ZKbK6YPHJppiQyVyRrrcCFD0X7tEf0D7QgK2DIpKnu8zGLzN4oAHn6xfHIgQnynrupcJbc9cga5AURtsRl7TfSM6XaGTtp1fNogyhUKX9f%2FYIL2pg03nlhLpRpDuqHpJ9qbbVsf%2FvboDHQ4IRRkiCaWH6GZwuTm%2FaXzTPIrAlVKH5%2F0RNaaExh%2Byw4VhHEEsSkHSs4mw%2BmNAKnW2FnWuldPRw5kn3j05dqhv5fkQxdp74JTYQe5wex1YN5PCok147bSKEuieYlIgH%2FiP9NY3Ym0ZRUWuo0zL40XWv9X3L1tLg%2BYWY0fCdhDKHGgTuesmbVajzEhu%2Bg9iWLptoK63cZ4UfO8oOd6sOc09XF6lBy%2BmD%2BSVmOfDWUOzz5ELD16slDTUwml0MZsttBoLDzldUc0olkl5nCAl23UqraiUXeaeW3yLOvJn%2BAD%2B%2FM6PvmZF0VzDn%2FdrWBjqlAVRsuTd0UsfPEqyKlBgBcSJTbWkHvSj10wzTCIqvOoZ3bz1TWza43iHLTCs7u%2FHmvoKE0qG5FTOsMYhLZb5XFdRretuo%2F1BjdoZt%2Fr0dHWGT4LLkmfYrkFclUq7u0pvMr6%2FR4I41ZYdCD3cWpGAcOrCQxKJukkkU%2Fx4O0IOnvZKvXzK4OISHe4XPgWQrnAJcSBOFX%2BXRwhpFbVXOOC%2BtEw%2BR3JTElw%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=3537a2cfc4d6c82521773b1d5c09ce067d57ae704153f4b16e1cfee95a78f783", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1585542, "full_name": "jesus alberto Castillo ferrer", "title": "Founder/CEO", "founder_bio": "I'm a Venezuelan founder obsessed with closing the financial inclusion gap for 1.7 billion humans. \n- Previously built the largest micro-lending platform in Venezuela, reaching over 500k SMBs in low-income communities with no financial history, implementing Muhammad Yunus methodology powered by ML. \n- Co-founded the first LLM marketplace in LatAm using micro-payments instead of subscriptions. \n- Founder at Bicuye, the most exotic Agave-Based Liquour with an Ultra-Premium membership club.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jesus-castillo-81a58b186/", "x_url": "https://twitter.com/jecastillof", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6fc990ed727d5f3248213721e884df5586d9ffb6.jpg" }, { "user_id": 489843, "full_name": "Gino Guatavita", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO at Kontigo. Tackling one of the biggest challenges in the region, access to credit and the financial system. Currently 500M+ people on Latam are under-banked, we are solving this with alternative data, AI and Web3.", "is_active": true, "linkedin_url": "https://linkedin.com/in/gino-guatavita-7269139b", "x_url": "https://twitter.com/GinoGuatavita", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24d46c866b2ab8c273481d8502e7106ebb32eaeb.jpg" } ], "jobs": [ { "id": 70394, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/kontigo/jobs/xAo6tMt-founding-engineer", "location": "San Francisco, CA, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$40K - $120K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 99410, "title": "Head of Security ", "url": "https://www.ycombinator.com/companies/kontigo/jobs/uNttrlv-head-of-security", "location": "San Francisco, CA, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "$120K - $220K", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 83682, "title": "Kontigo - A USDC-smart neobank for Latinos", "tagline": "Connecting all Latinos across the U.S. and LatAm through a single banking app.", "body": "**TL;DR**; We're connecting all Latinos across the U.S. and Latin America through a single banking app that is global, instant, and stable.\n\nHi everyone, we are Jesus & Gino, and we’re building [Kontigo](https://www.kontigo.lat/) —**A USDC-smart neobank for Latinos.** (With a Bitcoin piggy bank).\n\n![uploaded image](/media/?type=post&id=83682&key=user_uploads/1585542/a17fe45d-9aa1-4648-bc25-8550859b7208)\n\n**The real problem:**\n\n* The fundamental problem behind high fees, underbanked users, and failed currencies, both in Latam and the US, is precisely the same: the lack of a stable currency with global access and minimum government interference.\n\n**The consequence of the problem:**\n\n* The U.S. is home to 65 million Latinos, representing the fastest-growing population in the country; despite this, 35% of them are underbanked.\n* Each year, Latinos in the U.S. send over $170 billion to Latin America, often incurring fees as high as 20%.\n* Once the money reaches Latam, recipients may incur additional fees of up to 10% to convert and cash out.\n* In contrast, Latin America has a population of 700 million, with 20% of households relying on remittances for income and 75% of the population being underbanked.\n* Latin America's financial fragmentation worsens the problem, with 33 countries using 39 different currencies. Over time, all of these currencies have failed due to devaluation, inflation, and poor monetary policies.\n\n**Kontigo offers a USDC global wallet with a BTC savings account.**\n\n* Like Venmo, but on USDC.\n* Like Zelle, but for cross-border payments. No limits.\n* Like Nubank & Revolut, but without inflationary currencies. Bitcoin-backed.\n\nMade for real-life use cases—no crypto BS.\n\n![uploaded image](/media/?type=post&id=83682&key=user_uploads/1585542/1a5b8826-04d6-425d-b220-7f0c0b9d59c1)\n\nUser wallets are connected to an **AI-private banker on WhatsApp** for their daily needs.\n\n* Execute international USDC transactions.\n* Build-Credit. Build Wealth.\n* Plan your BTC retirement.\n\n![uploaded image](/media/?type=post&id=83682&key=user_uploads/1585542/8e5709b6-267d-4206-939c-c5c810cd2ac9)\n\n**We have brought together a “founder mode” dream team!**\n\n* \\+10 years building in fintech.\n* CEO prev built the largest micro-lending app in Venezuela.\n* CTO prev built and scaled 2 fintech companies in Colombia, Mexico and Ecuador.\n* CPO prev built A WhatsApp co-pilot for business owners. Ex-Platzi and HolaCasa. (YC companies).\n* COO prev built an LLM marketplace for Latam using micro-payments instead of subscriptions.\n* Head of design prev was founding team at Rappi, Grability, Imaginamos and Yuno.\n* Head of branding prev built an ultra-premium hand-crafted agave spirit brand.\n* Head of Web3 prev built an on-chain grocery delivery app for Colombia.\n* Head of engineering prev was tech lead at Venmo app development. (+Built a B2B payment startup in Mex).\n* Head of Content prev developed Ualá and Mercado Libre marketing strategy.\n\nKontigo is:\n\n* Already backed by DST Global, Soma Capital, Pioneer Fund, Transpose, HF0, Founders, Inc. Orange DAO, Optimism. +10 YC Alum.\n* Profitable.\n* \\+2 year runway.\n\nWe are gonna make it because we have done it before.\n\nBut this time, we're aiming for the moonshot.\n\nHelp us unlock universal wealth :)\n\nAsk:\n\n* Have a Latino friend? Share the [app](https://www.kontigo.lat/) with friends who need it.\n* Do you know any business, startup, or company that makes cross-border payments or needs a product like ours? Connect us! Contact at [founders@kontigo.lat](mailto:founders@kontigo.lat)\n\n**Stable Currency, Global Access.**", "url": "https://www.ycombinator.com/launches/Lli-kontigo-a-usdc-smart-neobank-for-latinos", "votes": 40, "created_at": "2024-09-02T18:38:23.510Z" } ] }, { "id": 29829, "name": "Moreta", "slug": "moreta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "website": "https://moretapay.com", "all_locations": "San Francisco, CA, USA", "long_description": "At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Done is the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy.\r\n\r\nWe came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country.\r\n\r\nWe’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta is the first to bridge the gap for international travelers from card-centric markets to tap into these local networks. Moreta will target 200 million travelers arriving in the region each year, who together have $410 billion in everyday expenditure.", "one_liner": "Payments made easy for international travelers.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724360319, "tags": [ "Fintech", "Payments", "Consumer", "Travel", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/moreta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/moreta.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/moretapay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1269607, "full_name": "Walid Mahd", "title": "Founder/CEO", "founder_bio": "Walid is the co-founder and CEO of Moreta.\n\nHe was previously a card and fintech payments consultant at Mastercard Advisors and is an Ivey Business School HBA graduate. \n\nHe is an avid world traveler and backpacker, having explored over 30 countries across Europe, Southeast & Eastern Asia, Africa, and the Middle East.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/walidmahd/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c5ffbe0daa4a0b56512bbb71ab42c308b58f6c9.jpg" }, { "user_id": 1202797, "full_name": "Sam Yu", "title": "Founder/CTO", "founder_bio": "Sam is the co-founder and CTO of Moreta.\n\nHe studied Computer Science at the University of Waterloo and has extensive experience building and shipping consumer products.\n\nAs the Head of Research & Development at Stems, he led the development of their first mobile app and generative AI product. During his internships at Apple, Google, Meta, and Uber, Sam worked on high-impact projects, including developing the instagram.com search feature used by over 50 million people.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yu-sam", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab42168458bb418cd8702608f643d4f1065de9b7.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83432, "title": "Moreta: Payments made easy for international travelers", "tagline": "Moreta lets you pay like a local, securely and digitally, without needing a bank account in every country.", "body": "Hi everyone, we’re Walid and Sam! We are avid travelers and backpackers who’ve been to over 40 countries combined. 🌏🎒\n\n**TLDR:** Moreta enables international travelers to pay for anything using their phone anywhere in the world. We’re launching first to allow users to pay in Southeast & East Asian markets.\n\n[Join our waitlist for early access.](https://moretapay.com)\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/0d6b9a4c-2d2c-46e2-95b1-21fd57ee2057)\n\n❌ **THE PROBLEM**\n\nWhen traveling abroad, do you find yourself asking if merchants accept card? How much cash do you need? Where can you get the best rate?\n\nPayments around the world are very fragmented and rely heavily on cash, or an alternative like QR code digital wallets.\n\nAnd for foreigners traveling, this typically means you need some combination of card and cash. In many countries, merchants may not accept card payments, and when they do, they often charge extra fees. Cash payments can also be costly due to high foreign exchange and ATM fees.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/6c9f3c8a-495a-4448-a550-1c38341b7d9b)\n\n✅ **THE SOLUTION**\n\nMoreta simplifies payments for international travelers, letting you pay like a local using just your phone. Users download Moreta, upload documentation verifying their identity, connect their bank account to load funds, and pay, all within minutes.\n\nMoreta will launch first in the Southeast and East Asian markets. Users can scan existing merchant QR codes and pay like locals.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/b9991f8b-9fe0-4106-8601-c17aaa1bb2e5)\n\n👥 **THE TEAM**\n\nWalid (CEO) and Sam (CTO) have been friends since high school. \n\n[Walid](https://www.linkedin.com/in/walidmahd/) was a payments consultant at Mastercard Advisors and experienced the payment pains of an international traveler when he backpacked through Southeast & Eastern Asia. \n\n[Sam](https://linkedin.com/in/yu-sam) was previously the Head of Research & Development at Stems and developed the Instagram web search feature used by over 50 million people.", "url": "https://www.ycombinator.com/launches/Lhg-moreta-payments-made-easy-for-international-travelers", "votes": 70, "created_at": "2024-08-26T20:56:57.937Z" } ] }, { "id": 29836, "name": "TradeFlow", "slug": "tradeflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f562e2265bcd5600f4ba364e50019b9ca9ba417.png", "website": "https://www.tradeflowai.com/", "all_locations": "New York City, NY, USA", "long_description": "TradeFlow is AI-powered settlement for financial securities. During her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Historically, it’s been difficult to improve this process because it’s heavily reliant on manual emails, disparate systems, and inconsistently structured data. However, the advent of powerful AI technology allows us to unlock greater automation than ever before. TradeFlow empowers back offices to do more with less by offloading these time-intensive tasks to AI.", "one_liner": "AI-powered settlement for financial securities", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1721925578, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "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/tradeflow", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/tradeflow.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tradeflowai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f562e2265bcd5600f4ba364e50019b9ca9ba417.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/96e821fc2d37e820b5761cfec0da3598a8c3c280.png" ], "primary_partner": null, "founders": [ { "user_id": 726397, "full_name": "Taryn Reardon", "title": "Founder/CEO", "founder_bio": "Taryn is the Co-Founder and CEO of TradeFlow. She has expertise in financial services, with experience in electronic trading, middle office, and digital transformation roles. Prior to TradeFlow, Taryn worked at Goldman Sachs, where she managed institutional client relationships to drive bottom-line results. Taryn graduated from Cornell University with a B.S. in Policy Analysis & Management.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/taryn-reardon/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c2e3344506bc7f798e9aec2bc656deb12cce764e.jpg" }, { "user_id": 735974, "full_name": "Liam Breen", "title": "Founder/CTO", "founder_bio": "Liam is the Co-Founder and CTO of TradeFlow. Previously, he was a software engineer at Meta, where he drove critical privacy initiatives for Facebook and built a data mining tool to identify malicious entities on the platform. Liam graduated from Cornell University with a B.S. in Computer Science. He is also a graduate of Phillips Exeter Academy.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/liam-b-456081124/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e412fa925255590308d66f10f8725f1b49e2783.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 82527, "title": "TradeFlow: AI software to automate stock trade settlement", "tagline": "Automating post-trade operations with the power of AI", "body": "[**TradeFlow**](https://www.tradeflowai.com/) uses AI to automate stock trade settlement for financial firms.\n\n# **About Us**\n\n[Taryn](https://www.linkedin.com/in/taryn-reardon/) and [Liam](https://www.linkedin.com/in/liam-b-456081124/) met at Cornell University 7 years ago. After graduating, Taryn worked at Goldman Sachs in global markets, and Liam worked at Meta as a software engineer.\n\n![uploaded image](/media/?type=post&id=82527&key=user_uploads/89898/6a9ccc58-dbae-4d3e-b6ca-0b2a59210019)\n\n# **The Problem**\n\nDuring her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Trade settlement requires extensive coordination across firms, yet the current financial infrastructure is extremely fragmented. The industry acknowledges the inefficiency, but it’s been difficult to improve because workflows are heavily reliant on manual emails, disparate systems, and inconsistently structured data.\n\nTo make matters worse, the US just shortened the settlement timeline from 2 days to only 1, forcing operations professionals to perform the same workload in half the time.\n\n# **The Solution**\n\nThe advent of powerful AI technology can unlock greater efficiencies than ever before. Leveraging LLMs, TradeFlow digests and centralizes data from all key sources and automates action items, like booking trades and writing emails. Instead of completing time-intensive tasks by hand, operations professionals can offload them to TradeFlow and simply review the work at the end.\n\nWe empower back offices to do more with less, so trades can settle faster with a fraction of the human effort.\n\n![uploaded image](/media/?type=post&id=82527&key=user_uploads/726397/a05be150-dcab-46d1-b424-ea41f5c37152)\n\n# **Our Ask**\n\n* Let us know at [sales@tradeflowai.com](mailto:sales@tradeflowai.com) if you have any financial services leaders in your network (brokers, banks, institutional investment firms)! Here is a blurb that you can share with others:\n\n _“An ex-Goldman sales trader and an ex-Meta engineer created _[**_TradeFlow_**](https://www.tradeflowai.com/)_, an AI-powered software to automate post-trade operations. Reach out to the team at _[_sales@tradeflowai.com_](mailto:sales@tradeflowai.com)_ to learn more & schedule a demo.”_\n* Follow us on [**LinkedIn**](https://www.linkedin.com/company/tradeflowai/)!", "url": "https://www.ycombinator.com/launches/LT5-tradeflow-ai-software-to-automate-stock-trade-settlement", "votes": 77, "created_at": "2024-07-29T18:09:40.177Z" } ] }, { "id": 29840, "name": "Blaze", "slug": "blaze-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "website": "https://blaze.money", "all_locations": "Remote", "long_description": "Blaze (YC S24) is the agentic finance platform. For businesses it's an AI CFO that pays bills, invoices clients, and forecasts cash. For people it's an agent that sends money, converts currencies, and manages your finances globally: you set the rules, it handles the rest. \r\n\r\nOther AI finance tools just report. Blaze moves the money, on your approval, in stablecoins or straight through the banking system. The founders scaled their last startup to $1M in ARR, studied at Duke, NYU, and Cornell, and led teams at Spotify and Artsy. npx @blaze-money/cli · https://blaze.money", "one_liner": "Agentic Finance for your Life and Business", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724981206, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Finance", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "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/blaze-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/blaze-2.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/useblazeapp", "x_url": "https://x.com/blaze_payments", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/blaze-payments", "github_url": "https://github.com/blaze-xyz", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32b6cfc229b1ca146e875d8913f53334c0da7203.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b23b3243843bfac9385fa07e9f744b4dd190b5a6.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2604eb06621ae7da34a3dad7a4b9615ea47aebea.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/774af9b5bbdce18803e42bc77308d5661c9177e8.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/396ee81d46aa6fc3c35efe9fc7b07cca81bfb27d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3e4c92dc0f9056196308a8086f2779fe155baa63.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1447220, "full_name": "Faiyam Rahman", "title": "Founder/CEO", "founder_bio": "Faiyam is a full-stack engineer with a bachelors in mathematics from Duke and a masters of engineering from Cornell Tech. He is now the cofounder and CEO of Blaze Payments. \n\nHe is an avid traveler, most recently having completed a 6 month tour of India, Bangladesh, Nepal, Bali and Portugal. He is also an avid practitioner of yoga and meditation, and he enjoys long walks, the spoken word, and celebrating the joy of being alive.", "is_active": true, "linkedin_url": "https://linkedin.com/in/faiyam-rahman", "x_url": "https://x.com/faiyamrahman?s=21 ", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9cba0c6e814acf0ad3ef9359b109b18d80452940.jpg" }, { "user_id": 85958, "full_name": "Luc Succès", "title": "Founder/CTO", "founder_bio": "Luc is a 2 time VC backed founder. His first startup, Often, launched a keyboard app that enabled you to text your friends with Drake lyrics. Upon launch, Often blew up to #1 on the App Store and got over 400k downloads. He scaled his second startup Seasons, a rental service for high end menswear to $1mm in ARR.\n\nLuc is a seasoned tech leader, having led teams at Artsy & Spotify. He is also an avid traveler, having lived and worked in over 50 countries worldwide.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucsucces", "x_url": "https://x.com/lucsucces", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2f2d991ce92e352a925668beaa14834fea172da4.jpg" } ], "jobs": [ { "id": 93973, "title": "Special Projects Intern | AI Content Generation -- Work Directly with the CEO", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/BON6JAn-special-projects-intern-ai-content-generation-work-directly-with-the-ceo", "location": "Remote (US)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "$1 / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 115184, "title": "Growth Engineering Intern | Work Directly with the CEO", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/2MAby7B-growth-engineering-intern-work-directly-with-the-ceo", "location": "CA / US / MX / GT / BZ / HN / SV / NI / CR / PA / CU / JM / HT / DO / BS / BB / TT / LC / GD / VC / AG / DM / KN / CO / VE / GY / SR / EC / PE / BR / BO / PY / CL / AR / UY / Remote (CA; US; MX; GT; BZ; HN; SV; NI; CR; PA; CU; JM; HT; DO; BS; BB; TT; LC; GD; VC; AG; DM; KN; CO; VE; GY; SR; EC; PE; BR; BO; PY; CL; AR; UY)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 115811, "title": "Sales Intern (Commission) | Book Demos for an AI CFO | Hiring Immediately", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/ST1qTQq-sales-intern-commission-book-demos-for-an-ai-cfo-hiring-immediately", "location": "CA / MX / GT / HN / SV / NI / CR / PA / CU / BZ / HT / BS / TT / JM / DO / BB / LC / GD / VC / AG / DM / KN / US / CO / VE / GY / SR / EC / PE / BR / BO / PY / CL / AR / UY / Remote (CA; MX; GT; HN; SV; NI; CR; PA; CU; BZ; HT; BS; TT; JM; DO; BB; LC; GD; VC; AG; DM; KN; US; CO; VE; GY; SR; EC; PE; BR; BO; PY; CL; AR; UY)", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 108616, "title": "Blaze - AI CFO for Businesses", "tagline": "An AI CFO that pays your bills, collects your invoices, and forecasts your cash.", "body": "**TL;DR:** Blaze is an agent that runs the entire finance function for your business: pay bills, accept payments, forecast your cash flow, and keep your books current. Install it with **npx @blaze-money/cli**. Use it with your favorite agentic harness or at blaze.money/agentic-finance. ChatGPT, Claude apps, and OpenClaw plugin coming soon.\\\n\\\nOur launch video: \n\n## ❌ The problem\n\nYou're a lean team busy doing more than you can handle already, and finances feel like a perpetual weight on your shoulders. You know there are bills to pay, invoices to collect on, questions you want answered. But a real finance team costs $10,000 to $20,000 a month, and you could always \"do it yourself,\" so the problem goes on dangling, half solved, half annoyance, always taking up RAM.\n\nWhat ends up happening is bills get paid late, you spend money on some $300/month marketing software your interns bought months ago without you knowing, and real problems with your vendors, payroll, and runway sneak up on you at 2am on Sunday.\n\nWe've lived this personally. As a 3 year old, super lean fintech team running all our own finances, we know what it's like trying to keep the finances afloat while doing everything else it takes to make it big. It's not like the work is rocket science. It's just constant, manual, nagging, and spread across 18 different tools that need sense making.\n\nUntil recently, you had to pay $10,000 a month to hire a finance function. We'd like to change that.\n\n## 🛠 What we built\n\n![uploaded image](/media/?type=post&id=108616&key=user_uploads/85958/4ef6fa06-6115-4df5-bacf-cc481a437e15)\n\n\\\nChat with Blaze from your favorite agentic harness and watch it get real things done for your finances:\n\n* **Pay bills and contractors.** Tell it to pay the AWS bill and it finds the invoice, shows you the amount, and pays on your approval. \"Send Maria $3,000 for the design work\" works the same way, domestic or international.\n* **Collect payments and send invoices.** \"Send Acme a payment link for $12,500.\" Blaze creates the link, sends it, and updates you when it's paid. Draft a real invoice the same way, from a one-line request. If a client drags their feet, it follows up automatically.\n* **Forecast cash.** Connects to your bank through Plaid, finds the recurring patterns, and projects your balance so you know your runway.\n* **Handle the pre-accounting.** Categorizes transactions and matches them to the bills and invoices they belong to as they happen, so your actual accounting is easier when you get to it.\n* **Move stablecoins.** On and off-ramps USDC across 80+ currencies, with support for cards and various local payment methods around the world.\n* **Flag problems early.** Tells you about a low balance, an overdue invoice, or unusual spend before it becomes an issue.\n\nIt installs with one command:\n\n```\nnpx @blaze-money/cli\n```\n\nYou can use it anywhere you use AI agents. Our favorites are in Hermes on Telegram and on the dashboard at dashboard.blaze.money. There's a REST API and SDK if you want to connect it to your own systems.\n\n![uploaded image](/media/?type=post&id=108616&key=user_uploads/85958/492a039d-5aeb-4cab-bc85-33fe8f82f1c0)\n\n## 🙏 Ask\n\nIf you are, or you know, any of the following, we'd love to hear from you.\n\n**Founders running lean**\n\nYou're doing your own bills, invoicing, and cash flow because a real finance team costs $10,000 to $20,000 a month. Try it and tell us what breaks: **npx @blaze-money/cli** or .\n\n**Early customers**\n\nWe're onboarding our first businesses now, and want people who'll help us decide what the agent should handle next. Especially focused on handyman and trades businesses (HVAC, repair, remodeling) and property managers, especially in the Airbnb space.\n\n**Anyone with an intro**\n\nTo founders and small teams who'd rather not open their bank again. You can reach us at [founders@blaze.money](mailto:founders@blaze.money).\n\n## 👥 Team\n\nFaiyam is a full-stack engineer who dropped out of med school to build startups instead. As a founding engineer at Luc's previous startup, he helped it scale to $1m in ARR. He manages finances for Blaze, and is personally relieved he no longer needs to stay up on Sunday nights to do so.\n\nLuc is a two-time founder. His first startup hit #1 on the App Store. Before that, he was a tech lead at Spotify and Artsy. Luc built Blaze's cross-border payment rails after living the problem firsthand, moving money in and out of Latin America.\n\nFun fact: Luc and Faiyam met after Faiyam \"coincidentally\" sat down next to him at a coffee shop in Williamsburg, New York, seven years ago. The rest is history (in the making).", "url": "https://www.ycombinator.com/launches/SFs-blaze-ai-cfo-for-businesses", "votes": 29, "created_at": "2026-07-31T17:08:14.398Z" }, { "id": 83613, "title": "Blaze - Global Venmo for cross border payments", "tagline": "Pay anyone, anywhere, seamlessly.", "body": "**TL;DR**: Blaze is building a global Venmo for cross-border payments. For example, if you're a Californian nomad living in Mexico City, you can use Blaze to pay rent to your local landlord. Or if you're an expat living in Colombia, you can use Blaze to pay your teacher for Spanish classes. Check [us out](https://blaze.money/app-download) on iOS and Android!\\\n\\\nA [quick intro](https://www.youtube.com/watch?v=50MMF87m3ZM) for you:\n\nA little over a year ago, we found ourselves traveling all over the world. Luc was spending time between Mexico, Colombia, and other parts of South America, while Faiyam was nomad-ing around Asia. Everywhere we went, it was a pain to transact with our new friends from other countries. We found ourselves wanting a Venmo like experience that worked for our international lives.\n\nSo we decided to build it. Blaze is the payments app we wanted for our own lives, and if you have a lot of international contacts, perhaps it is for you too.\n\n![uploaded image](/media/?type=post&id=83613&key=user_uploads/1447220/01f1684f-81c7-44be-8d51-3ae79733e27c)\n\n_from left to right:_\n\n💻 [Luc](https://www.linkedin.com/in/lucsucces) studied engineering at NYU before going on to start 2 VC-backed startups, one of which went to #1 on the app store and got him sued by Drake (true story). He’s also been a tech lead at Spotify and Artsy, and has lived and worked in over 50 countries worldwide.\n\n🧘‍♂️ [Faiyam](https://linkedin.com/in/faiyam-rahman) studied mathematics at Duke, then engineering at Cornell before going on to build a $1M ARR business with Luc at his 2nd startup. He’s also an avid practitioner of yoga and meditation.\n\n🧑‍🎨 [Igor](https://linkedin.com/in/zagnienski) is a former lead designer at BitPanda, Austria’s first unicorn. Prior to that, he spent his time jumping out of planes and running Space Individuals, one of Europe’s leading platforms to find jobs in Space.\n\n# 📱 **App Preview**\n\n![uploaded image](/media/?type=post&id=83613&key=user_uploads/1447220/71549726-5f93-469a-bf32-6f2ec6d5c94d)\n\n# **🙏 Asks**\n\n* Help us beta test! [Download](https://blaze.money/app-download) on iOS and Android. You can share feedback at [founders@blaze.money](mailto:founders@blaze.money).\n* **Share this post!** If you know someone with an international lifestyle who would want to use Blaze, please share this post with them.\n* **Connect us with** **businesses** in travel, hospitality, or other spaces that could use help with cross-border payments.", "url": "https://www.ycombinator.com/launches/Lkb-blaze-global-venmo-for-cross-border-payments", "votes": 34, "created_at": "2024-08-30T04:16:43.486Z" } ] }, { "id": 29841, "name": "Elayne", "slug": "elayne", "former_names": [ "Elayne AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "website": "https://www.elayne.com/", "all_locations": "New York City, NY, USA", "long_description": "Elayne is building the modern estate settlement platform. \r\n\r\nEstate settlement is a $250B+ annual market, with $80T+ in assets expected to transfer over the next 25 years. But after a death, families and executors have to spend 400+ hours manually identifying, organize, and distribute everything that was left behind like: financial accounts, debts, property, insurance, legal documents, incorporating juristidi ation requirements and family context. \r\n\r\nElayne is the first platform to surface verified assets and debts for precisely this moment, then turing our discovery into a clear inheritance map. We work directly with families and executors, and with the partners who support them: funeral homes, hospice and aftercare providers, attorneys, and financial institutions.\r\n\r\nThe company was founded by Adria, a former large-cap investor who experienced the problem firsthand, and Rebecca, a repeat fintech and mental health founder who left her master’s program in psychology at Harvard to launch Elayne. Together, they bring financial rigor, technical execution, and lived empathy to a massive but deeply human category.\r\n\r\nBacked by Y Combinator and Accel, we are now an 8-person team based in NYC.", "one_liner": "Estate settlement, from verified discovery to distribution", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1718839098, "tags": [ "Fintech", "B2B", "Legal", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "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/elayne", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/elayne.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/meetelayne", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1815430, "full_name": "Adria Ferrier", "title": "Founder/CEO", "founder_bio": "Co-founder / CEO at Elayne. Former large-cap private equity investor. Wharton grad.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adria-ferrier-8b242836/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/518afe9823418b557079e92352ebce3b05600deb.jpg" } ], "jobs": [ { "id": 109247, "title": "Senior Full-Stack Engineer", "url": "https://www.ycombinator.com/companies/elayne/jobs/fD9AZII-senior-full-stack-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$210K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "React", "TypeScript", "Software Architecture", "Data Modeling" ] }, { "id": 109284, "title": "Senior Applied AI Engineer", "url": "https://www.ycombinator.com/companies/elayne/jobs/7AXa0LL-senior-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$250K - $270K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Machine Learning", "Natural Language Processing", "LLMs" ] }, { "id": 109289, "title": "Founding Operations Lead", "url": "https://www.ycombinator.com/companies/elayne/jobs/brdrVdJ-founding-operations-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$140K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 111125, "title": "Legal Product Fellow", "url": "https://www.ycombinator.com/companies/elayne/jobs/OFRhZk4-legal-product-fellow", "location": "New York, NY, US", "type": "Internship", "role": "Legal", "role_type": null, "salary_range": "$30 - $40 / hourly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83590, "title": "Elayne - AI estate planner & executor for employees and their families", "tagline": "We give back 400 hours to grieving employees, boosting their recovery and return to work.", "body": "Hey everyone, we’re [Adria](https://www.linkedin.com/in/adria-ferrier-8b242836/) and [Graf](https://www.linkedin.com/in/jake-grafenstein-33737270/) - cofounders of [Elayne](https://www.elayne.com/) 👋\n\n# TL;DR\n\nImagine losing a family member. You're grieving and overwhelmed by tasks like funeral planning, managing bills, insurance, probate, and closing accounts—all while trying to process your emotions and return to work. The last thing you need is 400 hours of estate settlement tasks looming over you for the next 16-20 months, making it challenging to perform at work and nearly impossible to take care of your mental health. We solve this problem for both you and your employer.\n\n**_Ask:_** Is your HR team currently reviewing benefits for 2025? Introduce us! Email [adria@meetelayne.com](mailto:adria@meetelayne.com) or [book a demo here.](https://www.elayne.com/request-demo)\n\n# 👫 The Team\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/89898/46a5e6de-d62f-4210-a54b-761ebd822c41)\n\n[Adria](https://www.linkedin.com/in/adria-ferrier/) (CEO) - Adria is a former private equity investor at Permira and Blackstone and experienced this problem firsthand after losing her mom. Instead of focusing on due diligence at work, she had to spend hours figuring out how to plan a funeral, manage probate, settle bills, and close hundreds of accounts. She left her job within a year of her loss, as many bereaved employees often do.\n\n[Graf](https://www.linkedin.com/in/jake-grafenstein-33737270/) (CTO) - Graf cut his teeth in fintech working for Truebill (YC W16). There, he led the core web and mobile team, managing the implementation of critical experiences such as subscriptions, transactions, and net worth.\n\n# ❌ The Problem\n\nEmployee bereavement costs US businesses $100bn each year.\n\n* **A look at the numbers**: For every 1,000 employees _annually:_\n * **250 employees** will experience bereavement, 150 will experience a major loss\n * **418 days** will be spent on affairs settlement by employees\n * **$608,000** cost to business in lost productivity, absenteeism, and attrition\n* **No solutions:** there are no practical tools in the market to help HR leadership support their employees in the months following a loss\n* **Manual and time-consuming**: settling an estate takes an average of 400 hours over 18 months to complete and is currently completely manual\n\n# 🙇 Our Solution: One Platform for Family Estate Planning and Automated Settlements\n\n**Family Estate-Readiness 👪**\n\nThe estate-readiness platform provides a novel way for employees and their immediate family members to organize and optimize their estates.\n\n* **Visualizations**: Visualize your estate by uploading existing documentation and using our AI to extract information.\n* **Optimizations**: Use our AI to identify issues that could lead to problems executing the estate.\n* **Document Vault**: Upload and securely store critical documents that are needed in the event of a death.\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/1979156/05c7fe36-9c75-460e-a1b3-4b0cff1b8fd9)\n\n**Automated Settlements 🕊️**\n\nThe post-loss platform saves employees 400 hours over 18 months by automating estate and affairs settlement after each loss.\n\n* **AI Concierge**: Chat with our AI concierge, who knows all the details about your situation and can execute tasks on your behalf.\n* **Personalized Roadmap:** Understand at a glance what you have to do, what your loved one planned ahead of time, and what the Elayne AI can do for you.\n* **Resources:** Access exclusive resources that help you understand probate and other opaque parts of the post-loss process.\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/1979156/838b5fea-fc43-4380-b6d9-955ceaf692dd)\n\n**For HR Leaders ✨**\n\nKnowing what to say and how to support an employee experiencing a loss is hard, and navigating the death of an employee is even harder. We're here to help:\n\n* **Immediate Response**: Elayne steps in with an immediate action plan to coordinate urgent needs and communications on behalf of the employee or their family\n* **Workshops:** Explore the emotional and practical challenges that arise during the estate planning and settlement process and learn strategies to foster resilience\n* **Dashboard:** Quickly understand utilization rates, hours saved, and cost savings -for both your employees and company.\n\n# 🙏 Our Ask\n\n* Follow us on [LinkedIn](https://www.linkedin.com/company/meetelayne/), and [book a demo](https://www.elayne.com/request-demo) with our team.\n* **Share this post!** -  Do you know anyone in your network who is a CHRO, HR or benefits manager, or head of Total Rewards? Please share this post (or our promo video below!)\n* Learn more at [Elayne.com](http://Elayne.com)\n\n", "url": "https://www.ycombinator.com/launches/LkE-elayne-ai-estate-planner-executor-for-employees-and-their-families", "votes": 213, "created_at": "2024-08-29T18:52:06.466Z" } ] }, { "id": 30051, "name": "attimet", "slug": "attimet", "former_names": [ "AgentPay", "protegee", "Protegee" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43b9a65188d543037d433040e225613f5f256524.png", "website": "https://attimet.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Step 1: Build the Prime Radiant\r\nStep 2: Apply it to Financial Markets\r\nStep 3: Manage the world's assets", "one_liner": "Building the Prime Radiant", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1728431199, "tags": [ "Finance", "Trading", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "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/attimet", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/attimet.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/attimet/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/43b9a65188d543037d433040e225613f5f256524.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": 1648424, "full_name": "Kirthi Banothu", "title": "Founder/CEO", "founder_bio": "Got into building things back in 2006 with a website for Dragon Ball Z content. Ex-HFT (Optiver + DRW), built low-latency trading systems a few too many times - developed strategies for futures, cryptos, equities, and options. Had a stint in self-driving leading the onboard sensor and ml libraries team at Argo AI. Skipped half as many grades as my cofounder.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kirthibanothu", "x_url": "https://x.com/kirthibanothu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d5d9285c639eaaadb3f91321289214d55f9779f8.jpg" }, { "user_id": 1614791, "full_name": "Xiaoyu Li", "title": "Founder/CIO", "founder_bio": "Ex-quant trader at Optiver specializing in index + equity options market-making. Started and grew a medium-frequency algorithmic trading team. Yale Medical School dropout. Skipped twice as my grades as my cofounder.", "is_active": true, "linkedin_url": "https://linkedin.com/in/xiaoyuli240", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/612b41a6bba570b23eeefbac5b350b418d13ba84.jpg" } ], "jobs": [ { "id": 106868, "title": "Member of Technical Staff | Engineering & Research", "url": "https://www.ycombinator.com/companies/attimet/jobs/6btZFDg-member-of-technical-staff-engineering-research", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$125K - $250K", "equity_range": "0.10% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30055, "name": "RiskCube", "slug": "riskcube", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "website": "https://riskcube.com", "all_locations": "San Francisco, CA, USA", "long_description": "RiskCube is building the first AI-native reinsurer for emerging risks.\r\n\r\nMission: Building products & services focused on lowering the protection gap for the innovation economy on a national and global scale. \r\n\r\nToday, we operate an insurance brokerage focused on startups in AI, robotics, space, and defense. Through the brokerage, we see firsthand where traditional insurance products fail, from AI liability and autonomous systems to defense technology and new space risks.\r\n\r\nWe are now building proprietary risk models that can price risks even when little historical claims data exists. Our approach uses stochastic simulation, then applies traditional, explainable models to make the output transparent to underwriters and regulators.\r\n\r\nThis allows us to create new insurance and reinsurance products for emerging industries much faster than traditional carriers.\r\n\r\nThe U.S. insurance market still relies heavily on foreign reinsurance capacity.\r\nOur goal is to build new reinsurance capacity on American soil for the industries defining the next generation of the U.S. economy, while reducing America's dependence on foreign reinsurance capacity.\r\n", "one_liner": "The new American reinsurance company.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1731782052, "tags": [ "Fintech", "Insurance", "Defense", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/riskcube", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/riskcube.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/riskcube", "x_url": "https://x.com/riskcube_ai?s=11", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1675952, "full_name": "Andrei Craciunescu", "title": "Founder/CEO", "founder_bio": "Andrei, Founder & CEO. Previously in Risk & Analytics at WTW (Willis Towers Watson) & MunichRE. He holds an M.Sc. in Mathematics from LMU Munich and conducted PhD-level research in financial mathematics at the Technical University of Munich (TUM). Licensed insurance broker. Based in San Francisco. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrei-craciunescu/", "x_url": "https://x.com/andreicscu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8aef2306e2a2081a9fa3f32aac98c85b7259aefc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105788, "title": "RiskCube - AI insurance brokerage for startups", "tagline": "Top-rated insurance to close enterprise deals & gov contracts for AI, Space & Defense startups", "body": "Hey everyone[ 👋](https://emojipedia.org/waving-hand)\n\nI’m[ ](https://www.linkedin.com/in/jeilani)[Andrei](https://www.linkedin.com/in/andrei-craciunescu/) - founder of[ ](https://www.brickwiseai.com/)[RiskCube](https://riskcube.com)\n\n# **TL;DR**\n\n**When startups sell to enterprise customers — especially regulated businesses — insurance is often required before the deal can close. Procurement teams ask for proof of top-rated insurance before they sign. Traditional broker take weeks, which can slow down or kill the deal.**\n\n# **RiskCube helps founders get covered fast, with proof of coverage ready within 24 hours.**\n\n[RiskCube Introduction](https://youtu.be/eW4smKBySzo)\n\n**Why This Problem Exists**\n\nI built RiskCube after watching this happen repeatedly at WTW, one of the world's largest insurance brokers. When a startup tries to get top-rated insurance for something new — AI, data centers in space, defense tech, or space in general — most insurers either say no, take too long, or add exclusions.\n\nWhy?\n\n* Little claims history for brand-new technology risks\n* Insurers don't understand the product, so they exclude everything unfamiliar\n* Big traditional insurance provider with expertise are built for big companies, not a startup closing its first Fortune 500 deal\n\nThe result: the wrong coverage, delayed deals, or lost deals entirely.\n\n**How It Works**\n\n1. **Tell us about your business** — a short form so we understand your company, customers, contracts, and risk profile.\n2. **We search the market** — our AI reviews policies from 40+ rated insurers into a clear side-by-side comparison, and a licensed agent with deep risk expertise checks the coverage before you buy.\n3. **Get your COI and close the deal** — choose your coverage, receive your Certificate of Insurance, and send proof to your customer or procurement team.\n\n**Real Results**\n\nOne of our first YC customers cut insurance costs by 60%, got higher coverage limits than before, and became enterprise-ready in 4 hours.\n\n**About the founder**\n\nI'm Andrei, Founder & CEO. Previously in Risk & Analytics at WTW (Willis Towers Watson). Master in Mathematics from LMU Munich and PhD-level research in financial mathematics at TU Munich. Licensed insurance broker. Based in San Francisco.\n\nInvestors — want the same service for your portfolio companies? Reach out directly.", "url": "https://www.ycombinator.com/launches/RWG-riskcube-ai-insurance-brokerage-for-startups", "votes": 3, "created_at": "2026-07-14T21:12:20.809Z" } ] }, { "id": 30056, "name": "Keye", "slug": "keye", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/90506160477f970492b1093950c729f17eeb2192.png", "website": "https://www.keye.co", "all_locations": "New York City, NY, USA", "long_description": "\r\nKeye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha.\r\n--\r\n\r\nOur system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions.\r\n--\r\n\r\nKeye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.\r\n\r\n", "one_liner": "The Smartest Private Equity Investor", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1731519331, "tags": [ "Finance", "Investing", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "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/keye", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/keye.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/keye", "x_url": "https://x.com/keye_co", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/keye", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/90506160477f970492b1093950c729f17eeb2192.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ced016780eb5803c13677820a3078d525c69942e.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 751995, "full_name": "Rohan Parikh", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO at Keye, Rohan has over 6+ yrs in investment banking, spanning front-office roles across IB and Global Markets. Within 5 years, he was promoted to Director, where he drove a 7x increase in deal flow and revenue. Previously, he worked as a management consultant with Accenture before transitioning to Standard & Poor’s credit division in finance. Rohan holds an MBA from Wharton, complemented by a technical background with a Master's in Financial Engg. & B.Eng degree", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/parikhrohan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53ce18fd6f09dfb172814725d53cdc8853ce2627.jpg" }, { "user_id": 1375999, "full_name": "Conor Brown", "title": "Founder", "founder_bio": "Conor is a Co-Founder and the Chief Operating Officer of Keye. Before co-founding Keye, Conor co-founded SecureFlow, a funds flow and deal insights platform for M&A, while earning an MBA from The Wharton School. He has also held key roles as an investor at Vista Equity Partners and an investment banker at Goldman Sachs. He attended Amherst College for his BA, where he also captained the hockey team.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/conor-brown-9a02849b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1800dcd48cec9f3d213e65648dc84d92af4d06e5.jpg" }, { "user_id": 1604741, "full_name": "Lalit Lal", "title": "Founder/CTO", "founder_bio": "Lalit is a Cofounder and CTO at Keye. By trade, Lalit is a seasoned software engineer with a over 7 years in industry experience leading and building SaaS products from the ground up. Working through 2 historical SaaS acquisitions as an early engineer and leading technical teams of various sizes, Lalit is comfortable across the stack (devops, frontend, backend, and ML). He comes from a background in Robotics (University of Waterloo) and Machine Learning (University of Toronto).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lalitlal", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb691eb08480ccb79da6be8c993e6a4427229f70.jpg" } ], "jobs": [ { "id": 78376, "title": "Founding Private Equity Strategist ", "url": "https://www.ycombinator.com/companies/keye/jobs/OFbSYE1-founding-private-equity-strategist", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$150K - $250K", "equity_range": "0.25% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 86166, "title": "Software Engineer (Remote)", "url": "https://www.ycombinator.com/companies/keye/jobs/lXS5Goj-software-engineer-remote", "location": "New York, NY, US / Remote (US; CA; MX; BR)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $200K", "equity_range": "0.10% - 0.75%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "We Built the Diligence Platform We Wish We Had | Jul 29, 2025", "url": "https://www.keye.co/post/keye-we-built-the-diligence-platform-we-wish-we-had", "date": "Jul 30, 2025" } ], "launches": [ { "id": 85647, "title": "Keye🗝️: The Smartest Private Equity Analyst", "tagline": "Surfacing deep insights from complex analyses in M&A due-diligence.", "body": "### **TL;DR:**\n\n[**Keye AI**](https://www.keye.co) 🗝️ helps Private Equity Investors do due diligence for acquisitions more accurately and faster — in seconds rather than weeks. Unlike other tools that stop at summarizing, Keye creates all complex analyses relevant in diligence like cohort, retention, etc. It extracts critical insights from each of those analyses and assembles these insights into a holistic understanding of a business. With Keye, investors save time, make better investments, do more deals, and see superior returns. [ ](https://www.loom.com/share/ab97cda368214714a28a932dc6a8a494)\n\n### **Dealmakers And Tech Innovators: Redefining Diligence**\n\n[**Conor**](https://www.linkedin.com/in/conor-brown-9a02849b/) and [**Rohan**](https://www.linkedin.com/in/parikhrohan/) bring a combined 14 years of experience in the industry at Vista Equity Partners (Private Equity), Goldman Sachs, and Natixis, during which they conducted due diligence and represented companies in transactions totaling over $20B. [**Lalit**](https://www.linkedin.com/in/lalitlal/), co-founder and CTO, spent 7 years leading teams as an early engineer for three different AI companies (AI Ads, AI Robotics, AI Pharmaceuticals), two of which had private equity exits.\n\n![uploaded image](/media/?type=post&id=85647&key=user_uploads/751995/cde7a99f-0520-4cc2-9e13-df5306b6a613)\n\n**(First day at our Hacker House in SF for YC!** **Ready to shape the future of investing, one day at a time. 🚀)**\n\nCurrent AI tools search and summarize data but fall short of generating insights that create true alpha. So, we decided to tackle the toughest challenges in due diligence, from rigorous data cleaning and manipulation to generating complex analyses that uncover hidden insights. Our mantra: \"**Stop Summarizing, Start Analyzing!**\"\n\n### **The Due-Diligence Dilemma**\n\nPrivate equity funds are struggling to find and win the right deals because due diligence is time-consuming and labor-intensive, leading to:\n\n1. Only assessing \\~20% of deals due to limited resources\n2. Wasting time on the wrong deals and missing out on the right deals\n3. Missing critical details leads to losing millions or sometimes billions\n4. Failing to discover the hidden insights that help win deals and generate alpha\n\n### **The Only Platform Built Around the Investor's Thought Process**\n\n1. Instantly **generate thousands of complex analyses** from raw data\n\n ![uploaded image](/media/?type=post&id=85647&key=user_uploads/751995/415dc7eb-8ab3-4861-9ecb-1f462b601e32)\n\n2. **Extract critical insights** from each analysis (trends, anomalies, narratives, etc.)\\\n For Example: _“_Each successive cohort's initial average revenue per customer decreases (2008: $61.7K, 2009: $29.1K, 2010: $25.2K, 2011: $18.1K), indicating a concerning downward trend in the average value of new customers._”_\n\n ![uploaded image](/media/?type=post&id=85647&key=user_uploads/751995/98810121-424d-443a-bff8-496c92eab7f4)\n\n3. Create and **personalize analyses** based on the fund and industry\n\n ![uploaded image](/media/?type=post&id=85647&key=user_uploads/751995/3864c8b0-f77d-40ae-84a2-f550c1bf8593)\n\n\n**Gain unparalleled visibility into your entire deal history and unlock the shared intelligence within.**\n\n### **Proof Is In The Pudding**\n\n_“We recently did a deal and initially analyzed cohorts on a yearly basis, and while it looked good overall, we later found an issue in Q2 that only came up after speaking with the management team. By then, the team had invested so much time that it didn’t make sense to go back and redo everything quarterly. If I could have just clicked a button to view quarterly cohort insights upfront, it would have saved us considerable effort. I wish I’d had that **button**.\"_- Managing Partner, MM HealthCare Fund\n\n….he agreed that the **button** is Keye, and the fund signed up!\n\n### \n\n### **Still Haven't Reached Out? Let’s Fix That**\n\nIf you are a:\n\n1. **Managing Partner/Partner** @ PE Funds who thinks technology will play a role in their fund’s performance.\n2. **Principal/Vice President** @ PE Funds, who wants to retain top talent and do more deals.\n3. **CTO/CIO** at Mega Funds, looking for innovative solutions to help investment teams.\n4. **AI Steering Committee Members** at Upper Middle Market/Mega Funds.\n5. **Senior Associate** looking to do more critical analyses and less pivot table permutations.\n6. **Operating Partners (Tech-Focused)** at Lower-Middle Market and Middle-Market Funds.\n\nWe suggest you book some time [here](https://calendly.com/keye_founders/keye-demo)!\n\n# \n\n### **Follow our journey:**\n\n🌐 Website: \\\n[💼](https://keye.co%EF%BF%BC%F0%9F%92%BC) LinkedIn: \\\n[✍️](https://www.linkedin.com/company/keye%EF%BF%BC%E2%9C%8D%EF%B8%8F) Capital AI blog: \\\n[🐦](https://www.keye.co/blog%EF%BF%BC%F0%9F%90%A6) X: ", "url": "https://www.ycombinator.com/launches/MHP-keye-the-smartest-private-equity-analyst", "votes": 207, "created_at": "2024-11-18T16:45:28.631Z" } ] }, { "id": 30059, "name": "Sphinx", "slug": "sphinx", "former_names": [ "OneGraph Labs" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fe6a1b58847c1e53f0596617c9f63de97d49acc2.png", "website": "https://sphinxhq.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Sphinx automates the manual work of compliance analysts. Our AI agents make AML decisions, helping banks and fintech eliminate onboarding bottlenecks.\r\n", "one_liner": "AI Compliance Analysts for Banks & Fintechs", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1730337457, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "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/sphinx", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/sphinx.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/sphinx-hq", "x_url": "https://x.com/Sphinx_HQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fe6a1b58847c1e53f0596617c9f63de97d49acc2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1533709, "full_name": "Alexandre Berkovic", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO of Sphinx. Previously co-founded Adorno AI, developing audio generation models for video. Studied Design Engineering at Imperial College and Machine Learning at MIT.", "is_active": true, "linkedin_url": "https://linkedin.com/in/alexandreberkovic", "x_url": "https://x.com/alexberkovic", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a200558705560786f5ee9c42489e0e26cfde7164.jpg" }, { "user_id": 570384, "full_name": "Chrisjan Wust", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO of Sphinx. Started freelancing at 13. Before Sphinx, I co-founded and sold Adorno AI, and served as Head of Engineering at RelyComply, where I helped scale the company from $0-12M ARR and secured a deal with Africa’s largest bank. Originally from Cape Town 🇿🇦 ", "is_active": true, "linkedin_url": "https://linkedin.com/in/chrisjan-wust", "x_url": "https://x.com/ChrisWust", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ffae0311a257a0ab183a1708ae14f7d160bcd78a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 85293, "title": "Sphinx - Your AI Compliance Analyst", "tagline": "We eliminate KYC bottlenecks so fintechs can onboard faster.", "body": "We’re building the first end-to-end agentic workflow for real-time KYC decisions. Sphinx helps compliance teams in fintechs resolve complex cases instantly. We cut 85% of manual reviews using agents that make onboarding decisions – with proof.\n\nWatch our launch video:\n\n\n\n### **Problem**\n\nBefore a bank or fintech can onboard a new client, they have to run extensive background checks. But here's the catch: most current systems use outdated, rule-based technology. At Chris' last company, he witnessed firsthand how ineffective and shockingly basic these systems are.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXfgmOFxX9qSFnC19HYcOzPESE71nwTiDxLn6lF6tga-Bl_RkbMx1s2znT5qBgkE5bqMmp7tzHWn8pBqT0imBFx1Cgs5knqcXQ9pRo2ayF7lC2Fzb4Kf1d6MPiDzabcx6xpQD46EmYK9NaRFterFXZKWws86?key=iDvIejClnhZM9uZKaWs_fw)\n\nPoor data quality and dumb rules create over 100 million false alerts a year, leading to:\n\n* **Exhaustive manual reviews** that drain resources and time\n* **Onboarding bottlenecks** that max out compliance teams\n* **Lost revenue** because of customers waiting and dropping off\n\n### **Solution**\n\nSphinx replaces legacy systems with AI agents that act like a legal team—defense, prosecution, and judge. They gather and verify data from every part of the internet, making onboarding decisions so your team can focus on the important work.\n\nSphinx integrates directly into our clients’ onboarding workflow and handles:\n\n1. Adverse media checks\n2. PEP screenings\n3. Sanctions reviews\n4. UBO identification\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXfHYH3GN5kROJa4wHG33P_4GaS3KLbnDFZwgLcHElbMbDBstTiY2TlbFKljIIN8-bHhShQLecQQQBqGfQ3JFsGj7CjDTDWdN1fliWuY3cS13aBGgq4ygIckakUB06kBQ-Xtu3Gu2w_KLheqZeeN2Q4V3H7E?key=iDvIejClnhZM9uZKaWs_fw)\n\n\n### **The Team**\n\n**Alexandre Berkovic** (CEO) has research experience at Imperial and MIT, specializing in multi-modal generative AI models. Previously founded an audio generation startup.\n\n**Chrisjan Wust** (CTO) was the 1st employee and Head of ML at RelyComply, where he scaled the company from 0 to 12M users. He’s experienced compliance problems firsthand and built ML pipelines that led to a deal with Africa’s largest bank.\n\nWe first met at a barbecue in Cape Town, moved in together and then somehow ran into each other again in Portugal two years later. That kicked off our last startup. Now, we’re back at it with Sphinx.\n\n### **Our Ask**\n\n* [Book a demo](https://calendly.com/alex-sphinxlabs/30min) if compliance bottlenecks are holding up your onboarding.  \n* Intros to compliance teams or decision-makers at fintechs or regulated companies would mean the world to us. \n* Follow us on [LinkedIn](https://www.linkedin.com/company/sphinx-hq) and share this post—I’m all about serendipity. Who knows? Our next client might just be in your network!\n\nFeel free to reach out at [alex@sphinxlabs.ai](mailto:alex@sphinxlabs.ai) | [linkedin.com/in/alexandreberkovic](http://linkedin.com/in/alexandreberkovic)\n\n![uploaded image](/media/?type=post&id=85293&key=user_uploads/1533709/c1fb7fff-2055-4a5b-abef-da4e98fd76b0)\n\n", "url": "https://www.ycombinator.com/launches/MBh-sphinx-your-ai-compliance-analyst", "votes": 48, "created_at": "2024-11-05T18:26:10.920Z" } ] }, { "id": 30091, "name": "CollectWise", "slug": "collectwise", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1792694f6083df81f7abeaf84bcea98ecdb14566.png", "website": "https://collectwise.com/", "all_locations": "New York City, NY, USA", "long_description": "CollectWise automates consumer debt collection with AI. Our platform allows collection agencies, debt buyers, collection law firms, and original creditors to maximize liquidation rates while reducing collection costs by 80%.", "one_liner": "Automating consumer debt collection with AI", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1729792205, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "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/collectwise", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/collectwise.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1792694f6083df81f7abeaf84bcea98ecdb14566.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1361548, "full_name": "Sean OBrien", "title": "Founder/CEO", "founder_bio": "I'm the co-founder and CEO of CollectWise. Before CollectWise, I scaled a digital agency to six figures in annual revenue, ran another fintech startup, and studied Computer Science & Finance at the University of Virginia.", "is_active": true, "linkedin_url": "https://linkedin.com/in/sean-o-brien-412b28175", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce12798fd266fe4e75a99d9fd074cd46b6cf4dfb.jpg" } ], "jobs": [ { "id": 93339, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/collectwise/jobs/rEWfZ6R-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "0.10% - 1.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102810, "title": "AI Agent Engineer", "url": "https://www.ycombinator.com/companies/collectwise/jobs/oEAfzBS-ai-agent-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "0.25% - 1.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104691, "title": "Founding Customer Success Engineer", "url": "https://www.ycombinator.com/companies/collectwise/jobs/7U500pP-founding-customer-success-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$160K - $200K", "equity_range": "0.03% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 85612, "title": "CollectWise - Automating consumer debt collection with AI", "tagline": "AI collection agents that recover 2X as much debt at a fraction of the cost", "body": "# **TL;DR**\n\nCollectWise automates consumer debt collection with AI. Our platform allows collection agencies, debt buyers, collection law firms, and original creditors to maximize liquidation rates while reducing collection costs by 80%.\\\n\\\n\n\n# **The Problem**\n\nLate-stage debt collection is outdated, costly, and inefficient.\n\nCollection agencies and law firms rely on thousands of staff and costly attorneys to handle tedious tasks like asset research, filing garnishments or liens, and following up with debtors or other involved parties. With over 70% of debt lawsuits ending in default judgments, these firms spend most of their time on repetitive, manual work with limited efficiency or data.\n\nThis leads to lower recovery rates, higher costs, and a poor consumer experience.\n\nAs a result, creditors lose billions annually in uncollected debts while incurring significantly higher collection costs. Debtors, in turn, pay more than they owe due to added legal and collection fees, making the debt resolution process both costly and stressful.\n\n# **The Solution**\n\nCollectWise automates the entire late-stage debt collection process, enabling creditors to achieve 2X higher recovery rates while reducing costs by 50%.\n\nOur platform provides both creditors and debtors with a more efficient, cost-effective, and modern debt resolution experience.\n\n# **How It Works**\n\n1\\. Personalized Collection Strategies: Our continuous learning model researches and analyzes each debtor's financial profile, crafting tailored collection strategies for each individual.\n\n2\\. Pre-Legal Recovery: CollectWise’s AI agents automate the entire pre-legal recovery process across every communication channel, handling tasks such as credit reporting and connecting each debtor with an attorney in the CollectWise legal network.\n\n3\\. Automated Legal Actions: Our AI agents automate essential legal actions on behalf of the attorneys, including asset research, preparing litigation paperwork, and enforcing judgments such as garnishments or liens.\n\n# **Interested In Learning More?**\n\nIf you’d like to learn more, you can book a demo at [collectwise.com](http://collectwise.com) or email us at [founders@collectwise.com](mailto:founders@collectwise.com)", "url": "https://www.ycombinator.com/launches/MGq-collectwise-automating-consumer-debt-collection-with-ai", "votes": 21, "created_at": "2024-11-15T22:29:27.813Z" } ] }, { "id": 30104, "name": "Thornwick", "slug": "thornwick", "former_names": [ "Revi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/834fa22f6fad1635c308f38a01ebe252b9ea9b26.png", "website": "https://thornwick.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "We work with 7 of the top 15 private equity firms by AUM as well as over 150 of the most active acquirers in the US to support their M&A efforts.", "one_liner": "Buy-side M&A Advisory", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1731904830, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech" ], "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/thornwick", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/thornwick.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/thornwickgroup", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/834fa22f6fad1635c308f38a01ebe252b9ea9b26.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1977086, "full_name": "Max Nuyen", "title": "Founder/CEO", "founder_bio": "Co-founder of Revi - a deal origination software for investment banks, PE firms, and corporate development teams.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-nuyen-460851129/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b99957eaf85f28ae789da1d0b0dd13c73c4037d9.jpg" }, { "user_id": 2047598, "full_name": "Benjamin McKinzey", "title": "Founder", "founder_bio": "Co-Founder of Thornwick", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benjamin-mckinzey-19952a25b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eaff7feb625f39db9669a8a27c83639ab1c15c7f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 85720, "title": "Revi - AI-enabled deal origination", "tagline": "Precise & scalable workflows to find, research, and track M&A targets", "body": "**Revi helps Investment Banks, PE firms, and Large Acquirers source new deals.**\n\n### The Problem\n\nSourcing ‘good’ M&A targets requires precision.\n\nDue to the level of precision required, M&A teams currently spend hours on manual list building, target research, outreach, and market tracking. Inevitably this makes the deal origination process slow and unscalable.\n\nThere is little to zero adoption of traditional B2B sales tools & databases in this space due to the current tools inability to meet the requirements for precision.\n\n### **The Solution**\n\n[Revi](http://revi.ai/) uses agentic workflows to replicate its customers end-to-end deal origination process, entirely removing the trade-off between precision and scalability.\n\n\n\n### **Traction**\n\nWe released the first version of Revi in September 2023 and now have companies like KPMG and companies backed by KKR, Nordic Capital, and ICG relying on Revi to power their origination efforts.\n\n![uploaded image](/media/?type=post&id=85720&key=user_uploads/1977086/c9452990-067c-4b07-86fc-93674c55d1e9)\n\n### **The Team**\n\nWe’re Ben and Max. We met in 2023 and became flatmates in London. Shortly after this we decided to work together on Revi.\n\nPrior to launching our product, we worked with a handful of mid-market investment banks on their origination process. We realised that the need for precision made origination efforts slow and time consuming and prevented the adoption of traditional B2B sales tools.\n\n### **Our Ask**\n\nIf you know any killer Applied AI engineers, do let us know at [founders@revi.ai](mailto:founders@revi.ai). We are growing fast and have quite a few complex & exciting engineering challenges on the horizon.", "url": "https://www.ycombinator.com/launches/MIa-revi-ai-enabled-deal-origination", "votes": 27, "created_at": "2024-11-20T14:09:42.576Z" } ] }, { "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": 30235, "name": "Rally", "slug": "rally-3", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c91984bb2308087803ae4f30c937c29f1d60e46.png", "website": "https://www.getrally.com/", "all_locations": "Berlin, Berlin, Germany", "long_description": "Rally is a financial platform for businesses that operate vehicle fleets. We're starting in Europe, where over €1 trillion is spent annually on fuel, charging, maintenance, and other fleet expenses - most of it still running on legacy networks built in the 1960s.\r\n\r\nWe set a new standard for fleet finance by streamlining payments and automating workflows across bookkeeping, credit, and driver payroll, helping real-world businesses like delivery services, construction crews, and service technicians stay in control and operate efficiently.", "one_liner": "Financial OS for Modern Fleets", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1739666420, "tags": [ "Fintech", "Logistics", "Transportation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Germany", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rally-3", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/rally-3.json", "year_founded": 2025, "city": "Berlin", "country": "DE", "linkedin_url": "https://www.linkedin.com/company/rally-fintech", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c91984bb2308087803ae4f30c937c29f1d60e46.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 642337, "full_name": "Nick Telecki", "title": "Founder/CEO", "founder_bio": "CEO Rally. 2x Founder. Previously built a delivery startup, scaling it to $3M ARR in 1 year. Managed global strategy at Delivery Hero across 50+ markets. Bring a decade of experience across finance, tech and logistics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nick-telecki", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd1d6e96210a8b78f3081226311982266bf86624.jpg" }, { "user_id": 2022803, "full_name": "Thiago Peres", "title": "Founder/CTO", "founder_bio": "CTO Rally. 2x founder, ex-PM lead at Stripe, Meta, Booking and supply chain tech (project44). CS dropout. Acquired by biggest e-commerce in LATAM at 22yo. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thiagoperespm/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/308e77e48c1dc7634f6da989c4b8538f7af2a02e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 30253, "name": "Finbar", "slug": "finbar", "former_names": [ "finbar" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/79a24ae2dbf8c5f1b06b70c124868d6c9383b535.png", "website": "https://finbar.com", "all_locations": "London, England, United Kingdom", "long_description": "Finbar is high-quality financial data and intelligence, used by several of the world's largest hedge funds. It automates financial modelling, research, and data analysis so multi-million-dollar decisions can be made 100x faster.\r\n\r\nFinbar maintains its own dataset of worldwide company filings, presentations, transcripts, and more, delivering clean data from these fundamental sources within minutes of release. This data is available via web, Excel add-in, API, and MCP. \r\n\r\nOur services include: company primers and prebuilt models; AI tools for analysts to create their own research; Excel tools to build financial models in minutes and update them in seconds; API streams to integrate our worldwide data into any programmatic or agentic system.", "one_liner": "Financial intelligence for every investor", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1736618357, "tags": [ "Documents", "Fintech", "Finance", "Workflow Automation" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Edward & Robin have been friends for more than half their lives: King’s Scholars at Eton, undergrads at Oxford, roommates in London. Edward founded **finbar** in 2023 as a solution to the time-consuming ‘grunt’ work of his former hedge fund role, and wrote most of the MVP up to first revenue. Robin joined in 2024 to take the lead on software dev as CTO." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "A huge amount of the financial industry still runs on manual data input: thousands of workers whose job is simply to copy data from documents, build historical time series, and update models by hand. We leverage cutting-edge tech to finally automate this process, delivering more data, faster, and with much lower cost overhead." } ], "url": "https://www.ycombinator.com/companies/finbar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/finbar.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://linkedin.com/company/fin-bar", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/79a24ae2dbf8c5f1b06b70c124868d6c9383b535.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 2312013, "full_name": "Edward Huang", "title": "Founder/CEO", "founder_bio": "Founder and CEO at finbar. I wrote most of the MVP but now focus product and sales.\nPreviously I was a hedge fund analyst, and before that at Goldman Sachs. CFA charterholder. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edward-huang-cfa-8807b4149/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/399ff5e879c7c3d086da13fd0c42dc562c78e7ae.jpg" }, { "user_id": 2375293, "full_name": "Robin Gan", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO at finbar.com.\n\nPrevious to this I worked on a globally deployed cloud-native banking platform at Thought Machine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/robin-gan-180060126", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/256b9b1bb75fa062939d144d53615bd17eec89c2.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 117886, "title": "Finbar: Financial intelligence for every investor", "tagline": "Financial data and AI tools trusted by the world's largest hedge funds", "body": "**Finbar is financial data and intelligence for the AI age.**\n\nWe’re super excited to announce our first public launch. Give us a go if you’re interested in: worldwide company fundamental data (incl. via API/MCP), AI tools for data analysis and investment research, prebuilt models, an Excel add-in for building + updating custom models, and more.\n\n**Get started at [https://finbar.com](https://finbar.com).** Read on if you're interested in how we're differentiated, and why some of the biggest investors in the world rely on us for their research processes.\n\n\n\n**---**\n\nHi! Ed and Robin here, here to announce the first general availability of Finbar. **Our mission is to give every investor (and agent) the best data and tools to conduct high-quality financial research.**\n\n_A brief recap of our journey_. We started with a single product - **reliably updating any financial model within 5 minutes of market release, without any mistakes**. Seems niche? It was - but it meant we could truly stand out to customers, solving a real burning problem that those who haven't worked in hedge funds just don't really 'get'. Over Q2 earnings season, we handled 150,000 model updates, meaning our clients (including several of the world's largest hedge funds) could go into every market-open with all of their models ready.\n\nDeveloping this product turned out to be a problem that seemed simple but actually was fiendishly difficult (not least for the data reasons discussed below). Doing so, however, has meant building some truly unique financial data and infrastructure, which we've since deployed in many other products - and now available to all investors.\n\nTwo key parts to what we do:\n\n**I. We're building the best fundamental financial dataset**\n\nUnderlying everything is our proprietary data. **We collect and ingest millions of documents across thousands of companies worldwide**: reports, presentations, transcripts. You might be surprised this is not a solved problem already. But almost all providers lack at least one of: a) breadth, b) quality, and/or c) speed. All three have been necessary to serve our clients, hence the need to build our own. And yes, we're including players like Factset, S&P and Bloomberg in this (we're often explicitly evaluated against them by our institutional clients).  \n\nSome snippets to illustrate the point:\n\n    1) _The most important fundamental datapoints are often not in 10Qs/10Ks, and rarely in a fully-structured format._ Think segment organic growth in presentation charts, conference call remarks on forward guidance, Pillar 3 banking disclosures, and a million other company-specific datapoints.\n\n    2) _>1/2 of our customers invest outside of the US._ International markets have much less structured data availability than the US, often not even a central repository, and it is where arguably there is more edge from strong fundamental data (these two facts may well be corollary)\n\n    3) _Financial data is exceptionally messy on the tail end_ - which is often also where the insights live. Understanding nuances around restatements, accounting regime changes, mergers and divestments, and all the other insane things companies do to produce messy data (sometimes on purpose) is bread-and-butter in our design. It causes many nights of hair-pulling but is the only way to actually produce great data that investors trust.\n\n**II. We're building the best financial toolkit for the AI age**\n\nUpon this data foundation is a whole range of Finbar products, built on the knowledge and experience of what professional investors actually need. This includes:\n\n* Machine-readable versions of millions of worldwide company documents\n* Fundamental time-series and datapoints on thousands of line items\n* Company primers and financial metadata\n* Prebuilt public company model XLSXs\n* A web platform for AI-automated financial data analysis, modelling, and report-writing\n* An Excel add-in to update any analyst model in seconds, and build any custom model in minutes\n* MCP and APIs to expose our fundamental data to programmatic and agentic users\n\nAnd we already have a long list of items in development with institutional partners, including macro data, supply chains, newsflow, privates and more.\n\n\\---\n\nThere’s still so much more we’ve got planned, but we’re genuinely so excited to start giving every investor the tools they need to make intelligent decisions in the AI age. So thanks for reading, and **head to [https://finbar.com](https://finbar.com) to try us out**. We’re looking forward to your thoughts!", "url": "https://www.ycombinator.com/launches/UfO-finbar-financial-intelligence-for-every-investor", "votes": 3, "created_at": "2026-10-01T14:29:23.427Z" }, { "id": 87042, "title": "finbar: your AI financial data analyst", "tagline": "Eliminate manual data entry. Update financial models in seconds.", "body": "Hi! We’re Ed and Robin, the founders of [finbar](https://finbar.com/).\n\n**Our summary**: **too many analysts across finance still rely on manually collecting and compiling data for their models - we’re here to completely automate that process.** \n\nSeveral multi-billion AUM hedge funds already use us for exactly that - but if you work with financial data in any capacity, we want to help!\n\n# finbar\n\n1. Automatically extracts and compiles data from thousands of companies globally, public and private\n2. Gives analysts tools to easily explore and reshape data for their own use cases\n3. Provides powerful automation to update models with new data in seconds\n\n**If you’ve ever spent hours copying data from a bunch of PDFs into a spreadsheet, you understand the core problem we solve!**\n\n![uploaded image](/media/?type=post&id=87042&key=user_uploads/2312013/e56da6c5-76fa-44d5-b30b-94aaedec850c)\n\n**Why can we do this better than others?** Financial data is inherently very messy – we’ve spent more than a year building a highly bespoke pipeline geared for financial data: numeric algorithms, text processing, OCR, LLMs, and more. This means in minutes we can provide complete series data from any set of documents: PDFs, Excels, websites, scans, etc.\n\nWe also understand the financial domain intimately well – our starting point has always been to build something that would have saved us hours per day as hedge fund analysts.\n\n![uploaded image](/media/?type=post&id=87042&key=user_uploads/2312013/d80aa23d-1e53-448f-8f0b-f6c2b7d47171)\n\n**Want to learn more?** [**Watch a full demo here!**](https://www.youtube.com/watch?v=DGh_3TDVb4M)\n\n**If you spend time working with financial data in any field, we believe we can save you valuable time.** We’re live with several multi-billion AUM hedge funds but are also very interested in speaking to anyone in banking, research, PE, VC, accounting, or corporate. We’d love to help you!\n\n**Head to **[**https://finbar.com/about**](https://finbar.com/about)** to request a trial – or reach out directly to **[**ehuang@finbar.com**](mailto:ehuang@finbar.com)**!**\n\n# About us\n\n**Ed** was a hedge fund analyst at Balyasny, and before that was at Goldman Sachs. He solo-founded finbar up to first revenue and now leads product and commerce. He is a CFA charterholder.\n\n**Robin** was a software engineer at Thought Machine, working on a globally deployed cloud-native banking platform. He now leads the finbar tech effort.\n\nWe’ve been close friends for 13 years, through school, then Oxford, then as roommates in London – and of course now as co-founders!\n\n![uploaded image](/media/?type=post&id=87042&key=user_uploads/2312013/e2bf30db-5b91-4870-99c5-7725c2baee31)\n\n Thanks for reading - happy modeling!", "url": "https://www.ycombinator.com/launches/Mdu-finbar-your-ai-financial-data-analyst", "votes": 33, "created_at": "2025-01-22T15:11:23.913Z" } ] }, { "id": 30256, "name": "PAX Markets", "slug": "pax-markets", "former_names": [ "PAX Markets, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/05c8cff591b86d49ecb387cae532233ca6d248ee.png", "website": "https://pax.markets/", "all_locations": "San Francisco, CA, USA", "long_description": "PAX delivers more 𝛼 with its in-silicon exchange and HFT technology. The PAX on-chip λ API provides deterministic nanosecond tick-to-trade latency. HFT λ traders experience non-adverse counterparty selection by pairing with free-tier traders who access PAX using our zero-cost and rebated API.\r\n\r\nUsing our patented technology, PAX is building a new generation of exchange co-lo facilities that unite HFT with exchange.", "one_liner": "Co-located trading facility and matching engine on one chip.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1738613936, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pax-markets", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/pax-markets.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pax-markets/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/05c8cff591b86d49ecb387cae532233ca6d248ee.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1537672, "full_name": "Pete Stevenson", "title": "Founder/CEO", "founder_bio": "CEO at PAX. High frequency crypto trader. Ultra low-latency FPGA trading at Citadel Securities. U.S. Navy officer, nuclear powered fast attack submarine. Participated in two exited startups: HICAMP acquired by Intel and Pixie acquired by New Relic.\n\nPh.D., Stanford, electrical engineering. B.S. U.S. Naval Academy.\n\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/etepnosnevets", "x_url": "https://x.com/pax_pax_pax", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c46d5820133125d0a6323d086864df76140b559.jpg" }, { "user_id": 2226869, "full_name": "Benjamin Kilimnik", "title": "Founder", "founder_bio": "CTO at PAX. High frequency crypto trader. Smart contract trader. Cryptography and systems researcher at Brown. Distributed systems software at New Relic. Privacy engineer at Pixie Labs, startup exited to New Relic.\n\nB.S. Brown University, computer science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benkilimnik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/418e2aa3dc81753a08e8a31728529c5030b37768.jpg" } ], "jobs": [ { "id": 76180, "title": "Founding Hardware Engineer", "url": "https://www.ycombinator.com/companies/pax-markets/jobs/uzbhpCT-founding-hardware-engineer", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Electrical", "salary_range": "$150K - $200K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "C++", "Rust", "Verilog", "VHDL" ] }, { "id": 76181, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/pax-markets/jobs/gyUxpoz-founding-software-engineer", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "C++", "Rust" ] }, { "id": 79068, "title": "Founding Principal Hardware Engineer", "url": "https://www.ycombinator.com/companies/pax-markets/jobs/qv4p3Al-founding-principal-hardware-engineer", "location": "Redwood City, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Electrical", "salary_range": "$200K - $225K", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "C++", "Rust", "Verilog", "VHDL" ] } ], "news": [], "launches": [ { "id": 87536, "title": "PAX: a crypto exchange on a chip, faster and smaller than a datacenter.", "tagline": "PAX makes high frequency faster and every trade cost less.", "body": "![uploaded image](/media/?type=post&id=87536&key=user_uploads/1537672/ad765eb6-33b3-49a2-8ba2-6bd94e05b5a2)\n\n**Exchange on a chip, not a datacenter**\\\nPAX is a new crypto exchange and is the first – in all capital markets – to operate from a single chip rather than an entire datacenter. PAX moves traders to within nanometers of the exchange – closer than ever before possible.\n\nSuch proximity unlocks unprecedented value to high frequency customers and PAX shares this value by offering zero-fee with cash-back to every other market participant on every trade. PAX is to exchange as Robinhood was to retail brokerage: the first in the industry to “go to zero” and a complete game changer for every asset class.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXcmtCHC9EMMhzvyg5KeqhhUmDEjLnfaq9-SvMKoEvFQ869a9RnAlvZFdSvtWD6MBeT-L5KQPA9GHq0yzYbnSogD9YIIUR4zlxb0B33xGQu9svZ7u-Udin90V5yiUAZMRRuhSswM?key=Wo65vyZF0x9uq4uM0lkuHGQM)\n\n\\\n**The value of speed & proximity**\\\nAcross all financial markets, there is an arms race for speed. High frequency trading (HFT) firms spend billions of dollars to minimize latency, i.e., to sit as close as possible to exchanges (co-locate) and respond as quickly as possible to new exchange-published market signals.\n\n\\\n**Faster than any exchange, for any asset, anywhere**\\\nPAX is building core exchange technology into a chip. PAX is faster than NYSE, NASDAQ, Deutsche Börse, EDX, Crossover, Binance, OKX. Name any exchange: PAX is faster – not by a little, but by orders of magnitude.\n\nThe fastest exchanges today boast a 30 microsecond round-trip latency. PAX crunches that to 30 nanoseconds (1000x faster).\n\n\\\n**The PAX λ API: programmatic access to ultra-low latency**\\\nIn trading, speed is king. The PAX λ API provides the fastest tick-to-trade latency possible.\n\n![uploaded image](/media/?type=post&id=87536&key=user_uploads/1537672/ed004a70-b866-4713-8047-7c6b292c2d45)\n\nThe λ API enables traders to programmatically launch orders from within the same chip that hosts the PAX exchange. This proximity to the market – placing participant trading logic nanometers from the exchange – is extremely valuable and de-risks HFT market making strategies.\\\nhttps://pax.markets/blog/lambdas\\\nhttps://pax.markets/blog/lambda_use_cases\n\n\\\n**Zero-fee + cash-back: sharing the value & building liquidity**\\\nTrading at PAX is faster, and costs less. Our baseline price is zero, with cash back on every trade.\n\nHow can we do that? We sell speed: zero-cost trading with cash-back is financed by our opt-in fee based λ API. We look at it like this: PAX is selling speed and buying order flow.\\\nhttps://pax.markets/blog/rebates\n\n\\\n**Better market structure**\\\nPAX offers fresh insight into how capital markets should be structured. Behind the technology (exchange on a chip) and the new business model (zero-fee + cash-back) is a nuanced thought process. PAX market structure provides a better alternative to existing systems by adding price competition alongside incentive mechanisms.\\\nhttps://pax.markets/blog/pfof\n\n\\\n**Driving market efficiency across all assets**\\\nPAX is just getting started. Crypto is growing and evolving – it is an asset class with early adopters. PAX will relentlessly pursue its technology beyond crypto: in all electronically traded assets, markets, and geographies.\n\n\\\n**A preview of our “next year” Super Bowl spot**\\\nhttps://youtu.be/ExMOrOI2DFI\n\n\\\n**PAX founders**\\\nPete and Ben have years of experience trading across traditional and non-traditional markets.\n\nPete ([link](https://www.linkedin.com/in/etepnosnevets/)) helped build the world's fastest futures trading strategy using custom silicon at Citadel Securities, and more recently, he worked with a small team running quant research for crypto HFT across multiple CEX and DEX venues.\n\nBen ([link](https://www.linkedin.com/in/benkilimnik/)) was a high frequency crypto and smart contract trader. He’s worked on distributed systems at Pixie Labs (acq. by New Relic) and was a cryptography/systems researcher at Brown.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXft6pycITM9yuddOAFhCm-TaVA6Rqyk-OFHZCGULxtfr-vnvc3SCVQB7FLhmCWb7xbN_kxvYPmRNRVni8VoLqm4wsSBUIpbi4qcyI7avMLioBXZ-6gGcnCaAMWF-3w2lT7G_yMWDQ?key=7hHCqkS189LUBZ_ANR3SMQG4)\n\nPAX Founders, Ben and Pete, filming our YC application video at the corner of Wall & Broad, New York, NY (NYSE in the background).", "url": "https://www.ycombinator.com/launches/Mls-pax-a-crypto-exchange-on-a-chip-faster-and-smaller-than-a-datacenter", "votes": 60, "created_at": "2025-02-13T22:52:37.976Z" } ] }, { "id": 30269, "name": "Liquid Compute", "slug": "liquid-compute", "former_names": [ "PowerPlay", "Strike", "Pluto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb1c0f50037d9c24b823a5a568655e0a2d1980d.png", "website": "https://www.liquidcompute.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "Pending CFTC regulation to be the first cash and physically settled…", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1740523068, "tags": [ "FinOps", "Fintech", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/liquid-compute", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/liquid-compute.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/liquid-compute", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb1c0f50037d9c24b823a5a568655e0a2d1980d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1526382, "full_name": "Ronit Jain", "title": "Founder/CEO", "founder_bio": "CEO @ Liquid Compute", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ronitjain5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3a8f6d92dc2c46bb92d40c7a409eb6741ae8befb.jpg" }, { "user_id": 2378932, "full_name": "Aarav Patel", "title": "Founder/CTO", "founder_bio": "Working on derivatives exchange", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aaravpatel04", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8be0b2f5460b3c6e32f744ecf647b4b5c7e1540e.jpg" } ], "jobs": [ { "id": 97134, "title": "Head of GTM", "url": "https://www.ycombinator.com/companies/liquid-compute/jobs/FjZBn9g-head-of-gtm", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 98145, "title": "Liquid Compute", "tagline": "Building a Regulated Venue that Commoditizes Intelligence", "body": "Today, Liquid Compute emerges from stealth with a $15 million seed round co-led by Chemistry and Firstmark. They are joined by K8 Capital, Night Capital, TrueBridge, Brainchild Holdings, UFO Holdings, Y Combinator and angel investors such as Dmitry Balyasny. Alongside the launch, the company is announcing pending applications before the CFTC for Designated Contract Market (DCM) and Derivatives Clearing Organization (DCO) status to build the first regulated exchange to trade both cash and physically settled contracts on AI infrastructure, starting with compute.\n\n## The Strategic Rationale for Regulation\n\nBuilding a true financial layer for compute requires the same institutional-grade framework that governs traditional commodities. While pursuing a regulated path is long and arduous, and liquidity is difficult to bootstrap, startup entrants such as ICE in energy, CBOE in volatility, and Kalshi in event contracts prevailed and actually accrued most of the financial value in the commoditization of their multi-trillion-dollar asset classes precisely because they secured regulatory status while focusing deeply on the unique physical and structural nuances of their specific markets.\n\nFor compute, there are unique physical dynamics that are particularly challenging to overcome. Oil can be stored in a barrel. Compute cannot. If a GPU sits idle this afternoon, that capacity evaporates forever. Its value depends entirely on location, availability, configuration, and the specific workloads it can run. The heterogeneity of compute is actually far more analogous to the power markets, but instead of acting as a proxy of generating electricity, compute acts as a direct proxy for access to intelligence, making it a critical pillar of both economic and national power. The United States recognizes this reality and is pouring unprecedented capital into chips, data centers, and energy grid expansion to secure its geopolitical edge. However, building supply is only half the equation. To truly secure compute as a strategic asset, America needs robust, regulated market infrastructure to price it, allocate it efficiently, finance its rapid growth, and allow dependent companies to manage their risk.\n\n## Enabling the Compute Trader\n\nBecause intelligence is rapidly developing a measurable cost curve, massive businesses will need to manage their exposure to it. Enterprises running heavy inference will need to hedge against rising AI costs. Neoclouds will need to lock in future utilization revenues, and lenders financing data centers will need forward prices to underwrite cash flows.\n\nThis reality is driving a massive structural shift where the buyer of compute is no longer always the end user. A new class of participant is emerging, including neoclouds, brokers, and dedicated trading firms looking to buy capacity, warehouse it, resell it, arbitrage price differences, or simply take a speculative view.\n\nToday, these participants trade on fundamentally bilateral, cumbersome infrastructure. Every resale requires a new contract, a fresh credit decision, another payment setup, and a separate SLA. As capacity changes hands, the chain of liability becomes hopelessly tangled.\n\nLiquid Compute exists to abstract away that complexity. Before a meaningful futures market can launch, the industry must standardize exactly what is being delivered, which requires verifiable infrastructure, defined performance metrics, and credible physical reference prices. By building an Exchange for Physical (EFP) market and clearing transactions through a common framework, any participant with a balance sheet will be able to take a position on compute without needing to become a cloud operator, credit underwriter, or AI company.\n\nThis is precisely why the company has partnered with institutional market participants like Susquehanna, BGC, and Wintermute. Liquid Compute is building the infrastructure that empowers market makers, lenders, and entirely new classes of participants to trade compute as a liquid asset. More participants taking risk means a more liquid physical market, which in turn creates robust reference prices for the financial market above it. Our overall thesis is that intelligence becomes a utility supplied by many vendors, that its cost becomes a variable buyers have to actively manage, and that managing it well requires a trusted reference price, standardized contracts, and a market to trade them in.\n\nLiquid Compute is a Y Combinator W25 company based in New York.", "url": "https://www.ycombinator.com/launches/PWz-liquid-compute", "votes": 142, "created_at": "2026-02-24T18:07:42.893Z" } ] }, { "id": 30285, "name": "Karsa", "slug": "karsa", "former_names": [ "Agency" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4e70eb9dc2e6d81269e32986a94420bc07247202.png", "website": "https://gokarsa.com/", "all_locations": "New York City, NY, USA", "long_description": "Karsa is a stablecoin neobank for over 100M people in emerging markets. We enable people to buy dollar-denominated stablecoins, save money in US bank accounts, and spend anywhere with a Visa card.", "one_liner": "Stablecoin neobank for emerging markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1737358426, "tags": [ "Fintech", "Emerging Markets", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "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/karsa", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/karsa.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/karsa/", "x_url": "https://twitter.com/go_karsa", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4e70eb9dc2e6d81269e32986a94420bc07247202.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": 1110862, "full_name": "Shahryar Hasnani", "title": "Founder/CEO", "founder_bio": "Enabling the 1B+ people in emerging markets to save in stablecoins and protect against currency instability. Previously head of BD at Ethereum infrastructure startup. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shahryar-hasnani/", "x_url": "https://x.com/0xLilShah", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/51c1797e56fb26c41054c7edcac21c003ab3430a.jpg" }, { "user_id": 951402, "full_name": "Dale Wilson", "title": "Founder/CTO", "founder_bio": "Enabling the 1B+ people in emerging markets to save in stablecoins and protect against currency instability. Previously protocol development lead at a layer 1 AI Blockchain.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dalewilson21/", "x_url": "https://x.com/0xdwil", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24f58a7f8d633bc89787206c02838a7bd257977b.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87203, "title": "Karsa 💸 - The Global Dollar Account", "tagline": "Save in stablecoins; protect against inflation in emerging markets", "body": "Hey YC, we’re Shahryar and Dale, the co-founders of Karsa!\n\n# **tl;dr:**\n\n**Karsa is a global dollar account—enabling anyone in emerging markets to buy and save in stablecoins to protect against currency instability.**\n\n# **The Problem**\n\n_Over a billion people live in countries with severe inflation (5-10%+) and are unable to protect their wealth due to strict capital controls_ (Shahryar’s family in Pakistan still acutely faces this problem). The traditional banking systems in most of these countries are systematically designed to prevent access to assets like dollars.\n\nWe’ve spent the majority of our careers in crypto, traveling everywhere from the Middle East to Southeast Asia for work—and we observed how people in regions with economic instability have begun to adopt stablecoins as a store of value. However, existing products—typically peer-to-peer crypto exchanges—are centered on traders and are still too complex for average users, hindering mass-market adoption.\n\n# **Our Solution**\n\n\n\nKarsa is a global digital wallet that makes it easy for anyone across the world to deposit money using local payment methods and save in dollar-denominated stablecoins.\n\nFor a user, it looks similar to a bank—but under the hood, we route our supply from a network of verified peer-to-peer stablecoin traders, whom buyers are making their deposit payments to.\n\n* Structuring it as peer-to-peer allows us to _actually_ be global from day one and circumvent government interference: in most of these markets, centralized products (i.e., requiring a bank account in the relevant country) often get shut down. _This means that in many of the regions we operate in, we’re the only way anyone can reasonably get access to stablecoins._\n* Unlike incumbent exchanges, however, we’ve entirely abstracted the ‘P2P’. Traditionally, buyers and sellers engage in chats for each transaction (to confirm details, etc.). This is onerous for sellers, and off-putting for new buyers. Instead, we sit in the middle, matching price orders and managing verification, appeals, etc. with sellers directly—much less work for sellers, and an incredibly simple process for buyers.\n* We’ve also abstracted everything _crypto_ about it—no crypto knowledge, wallet / key management, etc. needed, so that even your parents could use the platform.\n* User funds are held in self-custody crypto wallets, meaning your money is always yours—unlike a centralized exchange (e.g., FTX) there’s no way for us to access, freeze, or lose your funds.\n\n# **Team**\n\n![uploaded image](/media/?type=post&id=87203&key=user_uploads/1110862/dbb9d996-6d96-4caf-9820-899438b2748d)\n\nShahryar and Dale have been working in the crypto space for the majority of their careers (leading business development and protocol engineering, respectively). We’ve lived and worked across the world in the same regions that we want to provide our product to—we deeply understand the tech, the market, and how stablecoins can best be leveraged to create more financial freedom.\n\nWe’ve been close friends for years, joined the industry at similar times (Shahryar actually got Dale to FOMO in), and we now work together out of Dale’s kitchen in New York. \n\n# **Asks**\n\nWe’re already going live today with sellers in Pakistan, India, Nigeria, Kenya, Paraguay and setting up a couple other regions as we speak. If you know or work with anyone in South Asia, Africa, Southeast Asia, or the Middle East—whether they’re a contract worker, freelancer, developer, crypto trader, SMB owner, or just family/friends who would be interested in saving with Karsa or working with us as a stablecoin supplier—please don’t hesitate to connect us at [**shahryar@gokarsa.com**](mailto:shahryar@gokarsa.com). Folks with these profiles have been incredibly helpful in getting feedback and suggesting future product features.", "url": "https://www.ycombinator.com/launches/MgV-karsa-the-global-dollar-account", "votes": 59, "created_at": "2025-01-27T18:32:54.258Z" } ] }, { "id": 30288, "name": "Harper", "slug": "harper", "former_names": [ "Tatch" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.png", "website": "https://www.harperinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "At Harper, we are building a fully autonomous commercial insurance brokerage powered by AI. Our initial focus is on mid-sized businesses with complex insurance needs, but our vision is to eventually serve every business in the country.\r\n\r\nBy leveraging AI to automate key workflows in the insurance process, we efficiently secure optimal coverage for each client's unique requirements at competitive prices and with rapid turnaround. Our AI system learns from the expertise of our brokers, accumulating not just knowledge but also the specific workflows, data, and capabilities that pave the way to full autonomy.", "one_liner": "AI-native commercial insurance brokerage", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1735235398, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/harper", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/harper.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.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": 1653612, "full_name": "Dakotah Rice", "title": "Founder/CEO", "founder_bio": "CEO @ Harper (W25) Building an AI-native commercial insurance brokerage. prev: Goldman, Carlyle, Coatue, Poolit. Brown '12, HBS dropout '21", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dakotahrice/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0b71e86ac9349e856eb1d62d5a2c82b3768590ec.jpg" }, { "user_id": 1654704, "full_name": "Tushar Nair", "title": "Founder/CTO", "founder_bio": "CTO @ Harper (W25) prev: Goldman, Poolit. Building an AI native commercial insurance brokerage.", "is_active": true, "linkedin_url": "https://linkedin.com/in/tushar-nair-100787144", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e6c9b5553bf3c892875084b67245a446139a7f11.jpg" } ], "jobs": [ { "id": 85467, "title": "Senior Member of Technical Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/TszfBKi-senior-member-of-technical-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $230K", "equity_range": "0.01% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88186, "title": "Senior Operations Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/KxUUfX3-senior-operations-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88190, "title": "Future AI Founder", "url": "https://www.ycombinator.com/companies/harper/jobs/sgnMdwY-future-ai-founder", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $140K", "equity_range": "0.01% - 0.20%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 88191, "title": "Senior Member of Technical Staff, Voice", "url": "https://www.ycombinator.com/companies/harper/jobs/j3AYc4c-senior-member-of-technical-staff-voice", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$170K - $275K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88192, "title": "GTM Engineer", "url": "https://www.ycombinator.com/companies/harper/jobs/pDx68zo-gtm-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $190K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88193, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/harper/jobs/Hr7rRca-forward-deployed-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $200K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88194, "title": "Member of Technical Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/df0E48G-member-of-technical-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$140K - $200K", "equity_range": "0.01% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88548, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/harper/jobs/xzF5Pja-founding-account-executive", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$75K - $125K", "equity_range": "0.01% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88580, "title": "Recruiting Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/9E6dwaG-recruiting-lead", "location": "San Francisco", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$125K - $185K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88615, "title": "Founding Product Manager", "url": "https://www.ycombinator.com/companies/harper/jobs/KfC6DN6-founding-product-manager", "location": "San Francisco", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$135K - $185K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89006, "title": "Special Projects Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/rE0aoNR-special-projects-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$150K - $175K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89186, "title": "Head of Customer Experience", "url": "https://www.ycombinator.com/companies/harper/jobs/YkyopkE-head-of-customer-experience", "location": "San Francisco", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$185K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90246, "title": "Chief of Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/eEvIwyH-chief-of-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$175K - $225K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90248, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/harper/jobs/VYmFv7w-account-manager", "location": "San Francisco", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80K - $110K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 88087, "title": "Harper: AI-native commercial insurance brokerage", "tagline": "Transforming how businesses get the coverage they need.", "body": "Hey YC! It’s [Tushar](https://www.linkedin.com/in/tushar-nair-100787144) and [Dakotah](https://www.linkedin.com/in/dakotahrice), and we're building Harper, an AI-powered commercial insurance brokerage transforming how businesses get the coverage they need. Since acquiring our first customers in October, we’ve already grown to write over $6M in annualized premiums across 35 states.\n\n### The Problem\n\nCommercial insurance is drowning in operational inefficiency:\n\n* Manual processes that limit broker productivity\n* Complex, redundant applications\n* Information asymmetry and limited market access\n\nThese antiquated systems create terrible customer experiences and prevent traditional brokerages from scaling.\n\n### Our Solution\n\nWe built an insurance brokerage with a suite of AI solutions that we use internally to enhance our sales, operational, and service interactions. Harper Hub, our flagship tool can:\n\n* Complete forms automatically\n* Find optimal carriers and underwriters\n* Manage client communications seamlessly\n\nThis creates an [infinitely scalable brokerage](https://www.youtube.com/watch?v=KvD1NyGJq3k) that delivers superior service with significantly higher margins.\n\n### Our Vision\n\nAt Harper, we believe that every legacy professional services business will have an AI-Native counterpart that will operate more efficiently, generate more revenue, and grow faster than incumbents. We want to become the largest insurance brokerage in the world with the best NPS. The commercial insurance brokerage market represents over $100B in annual commissions.\n\n### The Team\n\n![uploaded image](/media/?type=post&id=88087&key=user_uploads/1654704/73b6cf13-e7f4-49a9-a8d8-dba947ef85e5)\n\nWe've known each other since we started our careers at Goldman Sachs, where Tushar led ML/AI engineering teams automating services for the commodities desk while Dakotah worked on the Technology, Media, and Telecommunications Team in Investment Banking. He then spent time at Carlyle and Coatue.\n\nTushar spent nearly 9 years at Goldman before leaving to found Poolit with Dakotah, a fintech company that scaled to $100M AUM. While looking for their next project, they started thinking about the highest-impact solutions for LLM-based AI tools.\n\nWe decided to blend Dakotah’s family history in insurance and entrepreneurship with Tushar's technical expertise in automation to build the world’s first AI Native Commercial Insurance Brokerage.\n\n### Our Ask\n\nIf you know any businesses with complex insurance needs, please reach out to us at [harper@harperinsure.com](mailto:harper@harperinsure.com)", "url": "https://www.ycombinator.com/launches/Mul-harper-ai-native-commercial-insurance-brokerage", "votes": 26, "created_at": "2025-02-27T00:00:50.044Z" } ] }, { "id": 30295, "name": "Infinite", "slug": "infinite", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ee72e2d0f729f9fecd56cec594e37086a27cff9.png", "website": "https://infinite.net", "all_locations": "San Francisco, CA, USA", "long_description": "Infinite is a stablecoin payment processor. We offer businesses turnkey APIs and SDKs to instantly move money anywhere in the world at a fraction of the cost of traditional solutions.", "one_liner": "Global B2B Stablecoin Processor", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1739870082, "tags": [ "Developer Tools", "Payments", "B2B", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/infinite", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/infinite.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/infiniteinc", "x_url": "https://x.com/infinitedotdev", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/infinite-17a4", "github_url": "https://github.com/infiniteagents", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ee72e2d0f729f9fecd56cec594e37086a27cff9.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": 39977, "full_name": "Nikhil Srinivasan", "title": "Founder/CEO", "founder_bio": "Cofounder and CEO of Infinite with Raj Lad. Previously platform product lead at Sardine and Coinbase (S12) via acq. Distributed Systems (F1).", "is_active": true, "linkedin_url": "https://linkedin.com/in/nikhilsrinivasan", "x_url": "https://twitter.com/nvs", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4e1df6ef7dca4731467b83d6207123d4c772bce.jpg" }, { "user_id": 661959, "full_name": "Raj Lad", "title": "Founder/CTO", "founder_bio": "Cofounder and CTO at Infinite. Previously payments tech lead at Sardine where I launched the global stablecoin payments and credit risk workflow products.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rajlad/", "x_url": "https://x.com/rajlad_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3ef9e61f87a4e936567c06e81aa7fc4d230602f5.jpg" } ], "jobs": [ { "id": 72981, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/infinite/jobs/LqkMhIs-founding-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$108K - $230K", "equity_range": "0.25% - 1.00%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Go", "Python", "React", "TypeScript" ] } ], "news": [], "launches": [ { "id": 88276, "title": "♾️ Infinite: Global Stablecoin Payment Processor", "tagline": "Fast, affordable global payments.", "body": "[Infinite](https://youtu.be/L0Zho4tT8w8)\n\n#### **TL;DR: Fast-track your stablecoin integration**\n\nInfinite makes it easy for developers to embed global stablecoin payment rails through a turnkey SDK. Our customers use us to move money cross-border on same-day with low fees, all without crypto complexity.\n\n#### **The problem**\n\nAfter talking to over hundreds of merchants and payment processors, we found that global payments are slow, expensive, and unreliable. Traditional financial rails such as SWIFT result in high fees and multi-day delays with little transparency on the state of their transfer. Yet companies, both big and small, struggle to adopt stablecoins due to complex compliance requirements and fragmented vendor integrations.\n\n#### **Our solution**\n\nWe're building what merchants worldwide need: fast, affordable global payment rails that can be integrated in days instead of months. Infinite can process same-day payments to over 170 countries, enabling businesses to leverage stablecoins as a settlement network (a la SWIFT) for cross-border payments. Our network of on and off-ramps provides connectivity to local fiat funding and payout flows, enabling faster global money movement and our turnkey SDKs and APIs allow businesses to embed stablecoins into their applications faster. Today, our platform supports:\n\n* **Customer Bank to User Bank** — US bank -> International bank (e.g., USA to LATAM), allowing businesses to send local currency payments with instant settlement to LATAM, Europe, Africa, and SEA\n* **Customer Bank to User Wallet** — US bank -> user wallet, allowing businesses to send USD stablecoin payouts globally and instantly\n* **Customer Bank to User SDK** — Embedded wallet and hosted links experience for payment beneficiaries to seamlessly receive and manage stablecoin payments without dealing with crypto complexity\n* **Treasury Management** — Store balances in USD-denominated stablecoins earn a competitive yield and issue cards against wallet balances\n\n![uploaded image](/media/?type=post&id=88276&key=user_uploads/39977/7323ca79-3e4d-4e27-8a2d-7417c40b06c4)\n\n#### **Our wedge**\n\nWe partner with early-stage to mid-market companies with global payments, contractor payouts, and treasury management workflows, including:\n\n* **Creator Economy** – Creator payouts for platforms looking to reduce payment costs, increase successful delivery rates to their global creator base, and offer USD-based payout options\n* **Global Payroll** – Global payroll platforms looking to increase coverage, streamline tax compliance, and move money faster.\n* **Logistics** – Import/export payments for businesses struggling with slow settlement times and high fees in cross-border trade\n* **Marketplaces** – Marketplace payouts for platforms needing to send frequent, low-cost payments to sellers and service providers worldwide\n* **Neobanks:** Traditional banks for SMBs or neobanks in emerging markets looking to hold stablecoin-backed treasuries and remit globally\n* **Gaming** – eSports and gaming audiences are increasingly global, and consumers demand instant off-ramping options in their local markets\n\n#### **About us**\n\nWe’re building this platform to solve pain points we experienced building financial products at scale at companies like [Sardine](https://sardine.ai) and [Coinbase,](https://coinbase.com) where we learned about customers’ needs firsthand.\n\n![uploaded image](/media/?type=post&id=88276&key=user_uploads/39977/da6a2143-8cec-4854-b28a-5b2123b88f15)\n\n**Ready for instant global payments that just work?** Book a demo [here](https://cal.com/infinite) or reach out to us at [founders@infinite.dev](mailto:founders@infinite.dev)!\n\n![uploaded image](/media/?type=post&id=88276&key=user_uploads/39977/f12c7d30-ed73-413a-8d57-a08bc1f459b1)\n\n", "url": "https://www.ycombinator.com/launches/Mxo-infinite-global-stablecoin-payment-processor", "votes": 48, "created_at": "2025-03-06T04:43:08.672Z" } ] }, { "id": 30338, "name": "CopyCat AI", "slug": "copycat-ai", "former_names": [ "Platter", "CopyCat" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d0b6fa2626fafdcdd87ec75360df8375ffa48bb3.png", "website": "https://runcopycat.com", "all_locations": "Seattle, WA, USA", "long_description": "CopyCat builds AI for commercial, personal & benefits insurance brokers. It turns carrier quotes and policy documents into branded proposals, quote comparisons, and coverage reviews, and helps teams check policies and review insurance contracts, flagging discrepancies and documenting findings with source references. ", "one_liner": "AI for Commercial Insurance Agencies", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1734580429, "tags": [ "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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": "Every business in America needs insurance, and most of them get it through an independent agent. Those agents spend their days fighting through deals, quotes, and underwriting back-and-forth to make sure their clients are actually taken care of. A lot of that fight is retyping: a submission comes in as emails, PDFs, and spreadsheets, and someone has to enter it into their system, reformat it for each carrier, and compare the quotes that come back. Renewals, claims, and benefits proposals work the same way.\r\n\r\nThere are more than 40,000 independent agencies in the US. Their growth is limited by how many people they can hire, and experienced insurance staff are hard to find. Every hour spent on data entry is an hour not spent looking after clients.\r\n\r\nWe saw this firsthand while training brokerage teams to use AI. The people doing the work were skilled and cared a lot, and their software wasn't helping them. Agents take care of their customers. We want to take care of the agents." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Every business in America needs insurance, and the industry behind it is massive: US property and casualty premiums hit $1.1 trillion in 2025. Independent agents are the ones who actually take care of those customers, placing 62% of all P&C insurance and nearly 88% of commercial lines.\r\n\r\nBut the leverage sits with large entities. A quarter of every premium dollar goes to overhead, with an industry expense ratio of 25.2%, which is roughly $240 billion a year spent acquiring, processing, and servicing policies. The four biggest carriers alone spent over $7.5 billion on advertising in 2024. Scale wins, even when a local agent would serve the client better.\r\n\r\nAI already let a single engineer build what used to take a whole team. We're doing the same for insurance agents. If we succeed, a two-person agency will run like a hundred-person shop, and the best agent will win regardless of size. Shifting that $240 billion in overhead back toward the agents who own the relationships could be one of the largest transfers of value to small businesses in a generation.\r\n\r\nWe're the ones to do it because we've lived inside this work. We trained brokerage teams on AI before we built anything, took the commercial insurance course & test to understand the job from the agent's side of the desk, and still personally call every agency that books a demo." } ], "url": "https://www.ycombinator.com/companies/copycat-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/copycat-ai.json", "year_founded": 2024, "city": "Seattle", "country": "US", "linkedin_url": "https://www.linkedin.com/company/copycat-ai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d0b6fa2626fafdcdd87ec75360df8375ffa48bb3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 688190, "full_name": "Graham Sabin", "title": "Founder", "founder_bio": "Co-Founder @ CopyCat. Previously I was building Platter, serving hundreds of restaurants, processing hundreds of thousands of dollars every month. I've worked at multiple Series A startups, building products used by millions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/grahamsabin/", "x_url": "https://x.com/GrahamSabin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fc149a017773e9077b97f729c4ea4af5c434aaeb.jpg" }, { "user_id": 1300501, "full_name": "Abhi Balijepalli", "title": "Founder", "founder_bio": "Co-founder @ CopyCat | Ex eng @ Zoom. Grew up in Seattle, love PNW.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/a8hi/", "x_url": "https://x.com/a8hi_b", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a25c2f84df010a7657fbea5462b9945bd76758e.jpg" } ], "jobs": [ { "id": 112973, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/copycat-ai/jobs/UYCapE4-founding-account-executive", "location": "Seattle, WA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $170K", "equity_range": "0.30% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30357, "name": "Vantel", "slug": "vantel", "former_names": [ "Vantage AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/882e8b4377acdc7c7f1830babf0cd1f7b2e00058.png", "website": "https://vantel.com/", "all_locations": "Stockholm, Stockholm County, Sweden", "long_description": "AI OS for commercial insurance brokerages.", "one_liner": "AI Platform for Commercial Insurance Brokerages", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1738065592, "tags": [ "Documents", "Insurance", "CRM" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Sweden", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vantel", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/vantel.json", "year_founded": 2024, "city": "Stockholm", "country": "SE", "linkedin_url": "https://linkedin.com/company/vantelinc/", "x_url": "https://x.com/Vantel_AI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/882e8b4377acdc7c7f1830babf0cd1f7b2e00058.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": 1763011, "full_name": "Love Redin", "title": "Founder/CEO", "founder_bio": "CEO of Vantel. Previously data scientist at venture-backed startups and McKinsey/QuantumBlack, venture capital investor, software engineer at Sweden’s largest independent fund manager, and claims analyst at Scandinavia's largest insurance company. Arctic Army Ranger with background in engineering physics and pure mathematics from KTH Royal Institute of Technology in Stockholm, Sweden.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/love-redin/", "x_url": "https://x.com/redinvantel", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2df1b9e30a05edd6b40d3f5389533dc30671fc0a.jpg" }, { "user_id": 677886, "full_name": "Ulme Wennberg", "title": "Founder/CTO", "founder_bio": "CTO at Vantel. Ex-Microsoft software engineer, who has founded several startups, and 1k+ research citations within NLP. Machine learning PhD dropout and first-principles thinker. Pursued parallel studies in Engineering Physics at Sweden's top Engineering School and Business School (KTH & SSE). Graduate studies at the University of Washington, including co-authoring one of the most cited information extraction papers of 2019. Also built conversational agents with Amazon Alexa.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ulme-wennberg/", "x_url": "https://x.com/UlmeW", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5dccd01e74364e1680bb575226a4c38adee00927.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87228, "title": "Vantel - AI Software for Commercial Insurance Brokers", "tagline": "We help commercial insurance brokers automate 50% of their manual workflows, enabling them to focus on higher-value tasks like building new client relationships.", "body": "**TL;DR**\n\nCommercial insurance brokers spend 80% of their time on manual, repetitive tasks like policy analysis, manual data entry, documentation, billing and administration. Vantel builds AI software that automates these workflows, **currently helping brokers save 10+ hours per week**. Our first product lets brokers compare five 100-page insurance policies across 50 factors in 5 minutes instead of 5 hours.\n\n\n\n**The Problem: Commercial Insurance is Extremely Manual**\n\nAlmost every company needs insurance. Most companies do not have the competency in-house to know exactly what coverage they need. Because of this, they often hire a commercial insurance broker to advise them on insurance-related matters.\n\nAfter interviewing 100 commercial insurance professionals, we discovered some of the largest challenges in the industry: documents and workflows are unstandardized, there are multiple parties involved, and high-quality data is hard to collect. This results in **commercial insurance brokers spending the majority of their time on highly manual processes**:\n\n* Comparing policy documents\n* Validating insurance requirements in contracts versus policies\n* Regulatory documentation of advisory work\n* Compiling claims data from multiple sources into a common format\n* Translating complex material from carriers to a digestible format for the client\n\n**Our Solution: AI-Powered Workflow Automation for Brokers**\n\nVantel is building an AI platform that automates the most time-consuming tasks for commercial insurance brokers. We have started with:\n\n**1. Policy Comparison**\n\n* Compare 5 policies in 5 minutes (versus 5 hours if done manually)\n* Works with any carrier and policy type, instantly recognizing differences and key terms\n* Ranks policies based on coverage quality\n\n**2. Contract Validation**\n\n* Cross-check insurance requirements in contracts versus policies\n* Identifies gaps in current coverage, to avoid hidden risks\n* Enables more extensive client service – this is currently a high-touch activity\n\n**Why Now?**\n\nWith recent advances in LLMs, we are creating a product that was impossible to build 12 months ago. During our conversations with brokers, we have learned that **it is absolutely possible to build a revolutionary product in commercial insurance in just a few months**. The feedback we’re getting from brokers is giving us an incredible conviction that we’re on the right track. It is amazing to see their jaws drop when they realize countless hours of work can be automated with our software, freeing up time to serve more clients.\n\n**Team**\n\n![uploaded image](/media/?type=post&id=87228&key=user_uploads/1763011/7b86fe12-d8c8-4bbd-98e1-8e2551d3d8fd)\n\n* [Love Redin](https://www.linkedin.com/in/love-redin/) (CEO) - Previously data scientist at venture-backed startups and McKinsey/QuantumBlack, venture capital investor, software engineer at Sweden’s largest independent asset manager, and claims adjuster at Scandinavia's largest insurer prior to university. Arctic Army Ranger with background in engineering physics and pure mathematics from KTH Royal Institute of Technology in Stockholm, Sweden.\n* [Ulme Wennberg](https://www.linkedin.com/in/ulme-wennberg/) (CTO) - Founded several startups, ex-Microsoft software engineer, and 800+ research citations within NLP. Machine learning PhD dropout and first-principles thinker. Pursued parallel studies in Engineering Physics at KTH Royal Institute of Technology and Business and Economics at Stockholm School of Economics. Graduate studies at the University of Washington, including co-authoring one of the most impactful information extraction papers of 2019, and building conversational agents with Amazon Alexa.\n\n**Our Ask**\n\nIf you are (or know!) a commercial insurance broker looking to save 10+ hours per week on manual processes to spend more time with your clients, we would love to show you what we're building – please reach out to us at [founders@vantel.ai](mailto:founders@vantel.ai).", "url": "https://www.ycombinator.com/launches/Mgu-vantel-ai-software-for-commercial-insurance-brokers", "votes": 20, "created_at": "2025-01-28T18:40:49.899Z" } ] }, { "id": 30363, "name": "BlindPay", "slug": "blindpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.png", "website": "https://blindpay.com/", "all_locations": "San Francisco, CA, USA", "long_description": "BlindPay is a stablecoin API that enables companies to send and receive money worldwide using fiat money, stablecoins and multiple blockchains. We handle all the complex compliance and regulatory requirements, so companies can focus on their core business.", "one_liner": "Stablecoin API for global payments", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1737430094, "tags": [ "Developer Tools", "Fintech", "Crypto / Web3", "Payments", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/blindpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/blindpay.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/blindpay", "x_url": "https://x.com/blindpay", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.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": 754326, "full_name": "Bernardo Simonassi", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO @ BlindPay — Stablecoin API for global payments. Has been shaping the stablecoin payments industry for the past 3 years, during which he developed the first payroll platform powered by stablecoins. Previously at PicPay, he developed instant payment solutions serving 60M+ users.", "is_active": true, "linkedin_url": "https://linkedin.com/in/bernardosm", "x_url": "https://x.com/bebedaselva", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2e8c4b7027ac80cdbaedd402799df3c16df8960d.jpg" }, { "user_id": 2097650, "full_name": "Joao Borges", "title": "Founder", "founder_bio": "Co-Founder @ BlindPay — Stablecoin API for global payments ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joaoborgesjr/", "x_url": "https://x.com/joaocsb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c427a5e11824b6d0f01f3c6a7e625e2779a13e3.jpg" }, { "user_id": 2098545, "full_name": "Gustavo Marinho", "title": "Founder/CPO", "founder_bio": "Co-Founder & CPO @ BlindPay — Stablecoin API for global payments. Specializing in consumer-facing financial products for Latin America, I bring over 8 years of experience building digital products. At PicPay (60M+ users), I led the design of a loans marketplace and instant payment initiatives, processing $1.2M in daily loans during MVP phase. As Co-founder of Dropull, I built and scaled a social gaming platform to 1M users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gustavomarinho/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e6b7abed2477e4cfcf65814f4db9bcb93e1384e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87070, "title": "BlindPay - Stablecoin API for Global Payments", "tagline": "Core Infrastructure for LatAm Payments", "body": "### **TL;DR**\n\nBlindPay is a stablecoin API that helps companies navigate LatAm's complex financial regulations while enabling fast and affordable global payments. Watch our demo [here](https://www.youtube.com/watch?v=N9hHISlGp9Y).\n\n### **The Problem**\n\nBusinesses face significant hurdles when sending and receiving global payments:\n\n* Traditional methods rely on correspondent banks, adding fees (1.5-6% for B2B) and delays of 2-5 business days or more. Bank transfers typically require 2-4 intermediaries between smaller countries, with costs reaching hundreds of dollars. \n* Frequent fluctuations in Latin American currencies, coupled with extreme inflation rates (over 50% annually in some countries), make international payments unpredictable and risky. \n* Complex regulations and strict compliance rules across jurisdictions require different documentation for each institution. \n* Fragmented payment landscapes across countries require integration with multiple local payment systems (like SPEI, Pix, PSE), making implementation resource-intensive\n\n### **Our Solution**\n\nOur API integrates seamlessly with your existing workflows. With BlindPay you can:\n\n* Send and receive payments using fiat money and stablecoins\n* Get competitive FX quotes and low transaction fees\n* Connect directly to local instant payment systems across Latin America\n* 24/7 payments with instant settlement\n* Ensure compliance through blockchain screening, tiered KYC/KYB levels, and continuous transaction monitoring\n\nExpand your global reach while reducing costs and transaction times by up to 80%. Powered by stablecoins and blockchain, our platform eliminates the delays, high fees, and regulatory barriers of traditional payment systems.\n\n![uploaded image](/media/?type=post&id=87070&key=user_uploads/2098545/f81c874e-a8e7-4a92-ab1e-de8897529a63)\n\n### **Developer Experience**\n\nAdd fiat gateways to your apps with minimal code. Our SDKs support multiple languages and frameworks, backed by a developer-friendly REST API with public OpenAPI documentation.\n\n* Support for multiple blockchains and major stablecoins\n* Direct integration with local payment systems like SPEI (Mexico), Pix (Brazil), PSE (Colombia) and Transfers (Argentina)\n* Separate sandbox and production environments with unique API keys and webhooks\n* Real-time payment tracking and transaction monitoring\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=87070&key=user_uploads/2098545/d3fdd3f4-c653-427c-8e06-159b1ac4809f)\n\n**Bernardo Simonassi (CEO)** has been shaping the stablecoin payments industry for the past 3 years, where he developed the first payroll platform powered by stablecoins. Previously at PicPay, he developed instant payment solutions serving 60M+ users.\n\n**Gabriel Lyra (CTO)** led software engineering at LendingClub, where he architected and implemented critical financial infrastructure handling $50B in monthly loan transactions. Previously at AWS, he optimized infrastructure scripts that reduced monthly costs from $15M to $1M.\n\n**João Borges (COO)** is a prominent leader and entrepreneur, best known for founding one of Brazil's largest blockchain startups. In its first year of operation, he successfully scaled the company to seven-digit revenue and raised millions of dollars from top-tier venture capitalists. João is also an active contributor to the Nouns DAO ecosystem and has been recognized on the Forbes 30 Under 30 list.\n\n**Gustavo Marinho (CPO)** is a former product leader at top-tier Brazilian fintechs, where he specialized in consumer-facing financial solutions for Latin America. Previously at PicPay, he built instant payment solutions and credit products, successfully growing a personal loan portfolio to over $100M within six months of launch. \n\n### **Our Ask**\n\nHey founders, are you building a product that needs global payment functionality? Email us at [founders@blindpay.com](mailto:founders@blindpay.com)\n\nBlindPay is the simplest way to integrate global payments into your product:\n\n* Neobanks & fintech\n* Payroll solutions\n* Remittance providers\n* Wallet infrastructure providers\n* Traditional FX industry\n* Stablecoin aggregators\n* Marketplaces & platforms\n* Gaming & crypto apps\n* Billing & invoicing software\n* Freelancer & gig economy tools", "url": "https://www.ycombinator.com/launches/MeM-blindpay-stablecoin-api-for-global-payments", "votes": 66, "created_at": "2025-01-22T22:26:34.751Z" } ] }, { "id": 30367, "name": "QFEX", "slug": "qfex", "former_names": [ "PSEx", "PFEx", "Entimox", "QFEX", "QFEx" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "website": "https://qfex.com", "all_locations": "London, England, United Kingdom", "long_description": "QFEX is the 24/7 exchange for traditional financial markets.\r\n\r\nWe let you trade US equities, commodities and FX pairs with (or without) leverages of up to 100x. On QFEX, UX comes first: brokerless market access, seamless integration with traditional payment rails, and ultra-efficient Perpetual Futures offered over all asset classes. Trading has never been simpler, cheaper or fairer than with QFEX.\r\n\r\nFounded by Quants and Engineers from Citadel & Tower Research who saw an opportunity to make markets how they always should have been, QFEX will eventually replace the entire $100 billion exchange and clearing industry.", "one_liner": "24/7 Global Stock Exchange", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1747069734, "tags": [ "Fintech", "Marketplace", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/qfex", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/qfex.json", "year_founded": 2025, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/qfex", "x_url": "https://x.com/qfex", "fb_url": "https://www.facebook.com/tradeqfex/", "cb_url": "https://www.crunchbase.com/organization/qfex", "github_url": "https://github.com/QFEX-org", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/57dfe4e062f27e2791073526579304626840f5cc.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b27f14c1d8b76dda0304895144a13b9f353e7663.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 2318196, "full_name": "Annanay Kapila", "title": "Founder/CEO", "founder_bio": "Annanay is Founder and CEO of QFEX. He met his co-founder Joshua at Cambridge, where he studied Maths and conducted Quantum Computing research. Since then, he has worked as a Quantitative Trader at Flow Traders and Tower Research Capital in London, and is now building QFEX as the exchange he always wish he had to trade on.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/annanay-kapila/", "x_url": "https://x.com/annanay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/44f2f9bd0d9943aa2aa4fd4c3a4561735abce17b.jpg" }, { "user_id": 115491, "full_name": "Joshua Wharton", "title": "Founder/CTO", "founder_bio": "Founder & CTO at QFEX", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshua-wharton/", "x_url": "https://x.com/joshuawharton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c4fe96a6de95fe4b5449b1193927210222778b7.jpg" } ], "jobs": [ { "id": 76806, "title": "Research Engineer", "url": "https://www.ycombinator.com/companies/qfex/jobs/S7XSybx-research-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 88980, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/qfex/jobs/2j9OMID-backend-engineer", "location": "London, England, GB / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$100K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 90317, "title": "QFEX - The Global 24/7 Stock Exchange", "tagline": "Direct, 24/7, leveraged trading on US equities, commodities and FX.", "body": "Hello World! We’re [Annanay](https://www.linkedin.com/in/annanay-kapila/) and [Joshua](https://www.linkedin.com/in/joshua-wharton/), and we’re building [QFEX](http://www.qfex.com/): a global, 24/7 stock exchange.\n\n#### **What We’ve Built**\n\nTrillions of dollars change hands every day in the global financial markets, but the pace of innovation is excruciatingly slow. As of 2025, you still can’t:\n\n* Trade directly on an exchange **without a broker** (unless you’re as big as Jane Street).\n* **Trade 24/7**.\n* Get **>20x leverage** or avoid margin fees.\n* Trade leveraged US stocks without **worrying about options**.\n\nWe’re changing this.\n\nWe’ve built an exchange that provides all of the above, packaged into a sleek, **direct-to-market** interface with one-of-a-kind purely **volume-based fees**. Bye-bye Robinhood selling your orders for Citadel to front-run. Adios to the Interactive Brokers GUI. Hello to markets as they _should_ **be**.\n\nhttps://www.tella.tv/video/joshuas-video-1m32\n\nhttps://www.tella.tv/video/joshuas-video-32cb\n\n#### **Call To Action**\n\nQFEX is currently running in a closed beta with a white-glove service to match user enthusiasm. To get earlier access: \n\n* **Sign up** to our [waitlist](https://app.qfex.com/login) to get invited!\n* Follow us on socials to make sure you don’t miss out on any early access perks! [Reddit](https://www.reddit.com/user/TradeQFEX/) [Twitter](https://x.com/TradeQFEX) [Facebook](https://www.facebook.com/tradeqfex) [LinkedIn](https://www.linkedin.com/company/entimox/)\n* [API](https://docs.qfex.com/) traders - welcome to the first API-native exchange! Reach out [here](mailto:hello@pfex.com) to schedule onboarding.\n* Share this post with anyone interested in trading, exchanges or crypto! \n\n#### **The Team**\n\nWe met at Cambridge studying Maths in 2016, and the rest is history. Working as Quants and Engineers at Tower Research and Citadel before YC, we spent a year trying to figure out why crypto exchanges can solve all of the above, but traditional exchanges can’t. We still haven’t found a convincing answer.\n\n#### **PS - For the Crypto/ Finance Bros**\n\nTaking a leaf out of the crypto world, [QFEX](http://www.qfex.com/) is listing Perpetual Futures in traditional assets, making it the first exchange to do so. Futures haven’t changed since the first standardized contract was made in 1865 to help farmers hedge their corn harvests. Now S&P500 futures trade $500 billion daily, but it still expires in time for the harvest. Why?\n\n[QFEX](http://www.qfex.com/) will save institutional traders billions of dollars in rolling costs, operational headache, and deeper liquidity from an unfragmented market - just like perps did for crypto. \n\n![uploaded image](/media/?type=post&id=90317&key=user_uploads/2318196/a0937f2e-75a9-4aeb-89fb-4152ad0abac7)\n\n", "url": "https://www.ycombinator.com/launches/NUj-qfex-the-global-24-7-stock-exchange", "votes": 182, "created_at": "2025-05-12T20:42:26.458Z" } ] }, { "id": 30384, "name": "Chestnut", "slug": "chestnut", "former_names": [ "Detta" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.png", "website": "https://chestnutmortgage.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.", "one_liner": "The first AI mortgage lender", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1747766524, "tags": [ "Fintech", "Real Estate", "Consumer", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/chestnut", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/chestnut.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/chestnutmortgage", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.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": 285403, "full_name": "Spencer Brown", "title": "Founder/CEO", "founder_bio": "Repeat founder building the first AI mortgage lender. My last startup built a system of record for mortgage lending that powered 2% of US mortgages annually. During that time, I saw firsthand how inefficient traditional lenders are – and realized I should compete with them directly. I started coding at age 12, founded my first company at 16, and was an early engineer at six other seed- and A-stage startups.", "is_active": true, "linkedin_url": "https://linkedin.com/in/spencercbrown", "x_url": "https://x.com/spencerbrownx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1aadccbfd15343627b9880cf751d0d424799fef.jpg" } ], "jobs": [ { "id": 83364, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/chestnut/jobs/GGNEow8-software-engineer", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 3.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "TypeScript" ] } ], "news": [], "launches": [ { "id": 90630, "title": "Chestnut, the first AI mortgage lender", "tagline": "Save 0.5%+ in interest with the first AI mortgage lender", "body": "tl;dr **-** Chestnut is building **the first AI mortgage lende**r. Our AI agents help people **save 0.5%+ on their rate**.\n\nhttps://www.youtube.com/watch?v=M7ay1fshd-w\n\n—\n\n# 👋 Howdy\n\nI’m Spencer, the founder of Chestnut — **the first AI mortgage lender**. My last startup built a mortgage “Loan Origination System” (system of record + workflow tool used daily by 80% of lender employees) that powered 2% of US mortgages annually. During that time, I saw firsthand how inefficient traditional lenders are — and realized I should compete with them directly.\n\n# **🤨** Isn’t the mortgage process already automated?\n\nFar from it. Today, 80% of employees at traditional lenders **spend** **hours each day** filling out paper forms, manually reviewing documents, and copy-pasting data between systems. These manual processes cost lenders – and ultimately their borrowers – $12,000+ per loan ($61B+ per year).\n\n# **😲** What’s next?\n\nAI can automate 99% of mortgage operations, but **traditional lenders would take 10+ years** to adapt. They’d have to overhaul their entire tech stack, rewrite every procedure, and retrain their whole workforce.\n\n# ➡️ Enter Chestnut\n\nChestnut is **vertically integrating AI** to challenge traditional lenders directly. Besides Ashley, our AI loan officer assistant, we’ve also built agents that:\n\n1. **Find the best deals** by shopping rates across 100+ lenders (since we’re starting with brokering),\n2. **Cut borrowing costs** by automating the origination process, and\n3. **Notify clients** when rates drop.\n\nSo far, we’re licensed in Texas and Colorado where we’re helping clients with new home purchases, refinances, home equity loans, and home equity lines of credit.\n\n# 🤑 Ready to save?\n\nIf you’re exploring mortgage options in Texas or Colorado, **head over to [our website](https://chestnutmortgage.com?utm_source=launch-yc&utm_medium=cta-link&utm_campaign=launch-yc)** where you can get an instant quote and compare our rates to other lenders!\n\n—\n\nCheers!\n\n![uploaded image](/media/?type=post&id=90630&key=user_uploads/285403/adefaf94-0d5d-4bad-aafc-788d26e493ee)\n\n", "url": "https://www.ycombinator.com/launches/NZm-chestnut-the-first-ai-mortgage-lender", "votes": 111, "created_at": "2025-05-22T17:11:21.534Z" } ] }, { "id": 30415, "name": "Avallon AI", "slug": "avallon-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac85a0bca77fe890f3dc1aadd1f0f8a554481659.png", "website": "https://www.avallon.ai/", "all_locations": "New York City, NY, USA", "long_description": "Avallon automates insurance claims operations with AI agents that handle routine calls and documents processing. ", "one_liner": "AI agents for insurance claims operations", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1744318663, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/avallon-ai", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/avallon-ai.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/avallon", "x_url": "https://x.com/AvallonAI", "fb_url": null, "cb_url": null, "github_url": "https://github.com/Avallon-Labs", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac85a0bca77fe890f3dc1aadd1f0f8a554481659.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1970255, "full_name": "Cornelius Schramm", "title": "Founder/CEO", "founder_bio": "CEO of Avallon. Before Avallon, Cornelius was the founding U.S. engineer at FINN, building the fleet operations platform behind $15M ARR and witnessing firsthand how broken fleet claims processes are.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cornelius-schramm-450759150/", "x_url": "https://x.com/cornelius_schra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa4dbc57754f57d2384feda3e761f60be055ff92.jpg" }, { "user_id": 450379, "full_name": "Bryan Guin", "title": "Founder/CPO", "founder_bio": "Bryan was previously a machine learning researcher at Cornell and a software engineer at Agentive (YC S23) where he built AI systems for auditors. He also led product consulting teams at EY, advising Fortune 500 clients on new product development and deployment.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryan-guin/", "x_url": "https://x.com/bryanguin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5e323ee406bc651bd4205f0697af5337c5137c33.jpg" } ], "jobs": [ { "id": 78636, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/avallon-ai/jobs/CH8oqKV-founding-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$165K - $270K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "TypeScript", "Docker", "Software Architecture", "Data Modeling", "Next.js", "Tailwind" ] }, { "id": 84939, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/avallon-ai/jobs/EKbBPmB-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $240K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "PostgreSQL", "Python", "TypeScript", "SQL", "Next.js", "Prompt Engineering" ] }, { "id": 99953, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/avallon-ai/jobs/6A5VzQt-founding-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$300K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 90754, "title": "Avallon – AI Agents for Insurance Claims Operations", "tagline": "Automate insurance claims operations with AI agents that handle routine calls and documents. ", "body": "**Tl;DR**\n\n**Insurance customer satisfaction is plummeting** as manual processing creates endless delays. Avallon automates back-office claims work for carriers and TPAs with AI agents that handle calls, documents, and data entry so adjusters can resolve cases faster.\n\nhttps://www.youtube.com/watch?v=pWBvyPugoFQ\n\n# **Insurance Claims Processing is Manual and Slow**\n\nInsurance adjusters are drowning in manual work to process claims. This creates delays, errors, and frustrated policyholders while burying adjusters in tedious work instead of decision-making. Adjusters face three major bottlenecks:\n\n* **Fragmented communication:** Adjusters spend hours fielding routine calls and emails to gather and relay claim information. Phone tag with claimants, vendors, and internal teams creates delays and frustration.\n* **Slow document review:** Sifting through unstructured documents, photos, and reports to validate evidence is time-intensive. Manual review of complex documentation slows case resolution.\n* **Tedious record keeping:** Converting notes and decisions into structured data for claims management systems requires constant manual data entry.\n\nAn aging workforce exacerbates these issues, creating a talent shortage as workloads grow. With median adjuster compensation already at $109k and razor-thin margins for carriers and TPAs, the economics of manual processing are unsustainable.\n\n# **Meet Avallon: Your Team of AI Claims Agents**\n\n![uploaded image](/media/?type=post&id=90754&key=user_uploads/1970255/9c370a61-6191-4f21-aa57-1c007b5cedfc)\n\nAvallon's AI agents plug directly into existing claims management systems and automate these tedious tasks, helping adjusters resolve cases more quickly. Our AI agents work autonomously to handle:\n\n* **Communication workflows:** Our agents handle routine calls and emails, gathering claim information while eliminating phone tag and keeping all parties updated.\n* **Document analysis:** Our AI instantly processes unstructured documents, photos, and reports, extracting key data points and validating coverage details in seconds.\n* **Data management:** Our agents automatically convert all findings into structured data and populate your claims management system, eliminating manual data entry and errors.\n\nAvallon’s intelligent agents turn claims management from reactive to proactive, helping adjusters make faster decisions, reduce errors, and deliver exceptional customer experiences.\n\n## **Team:**\n\nThe team met as grad students at Cornell studying computer science and operations research.\n\n* **Cornelius** had previously built the complete ops infrastructure to scale FINN US from 0 to $15M ARR as a founding engineer at the car subscription platform. There he saw firsthand how broken fleet claims processes are.\n* **Bryan** previously led product teams consulting for Fortune 500s at EY and conducted ML research at Cornell.\n* **Jet** studied quantitative trading algorithms, is a national champion policy debater, and taught debate at the Taipei American School.\n\nDuring a fall break hiking trip, the team brainstormed startup ideas until Avallon took shape. They shipped the first version around Christmas, landed their first customer weeks later, and dropped out to pursue the company full-time.\n\n## **Asks:**\n\nWe're excited to connect with:\n\n* **Insurance company executives and claims leaders** who want faster, smarter claim resolutions.\n* **Industry advisors and operators** passionate about digitizing and modernizing insurance processes.\n* **Journalists and thought leaders** interested in highlighting innovation and transformation within the insurance industry.\n\nIf you’re ready to streamline your claims operations with AI, email us at [founders@avallon.ai](mailto:founders@avallon.ai) or schedule a demo at [avallon.ai](http://avallon.ai).\n\nLet’s put AI to work to fix insurance.\n\n![uploaded image](/media/?type=post&id=90754&key=user_uploads/1970255/c4649a98-a29a-41fd-9d6d-b366d6b3fde4)\n\n", "url": "https://www.ycombinator.com/launches/Nbm-avallon-ai-agents-for-insurance-claims-operations", "votes": 35, "created_at": "2025-05-27T14:01:51.944Z" } ] }, { "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": 30427, "name": "Acolite", "slug": "acolite", "former_names": [ "Blueplan", "Anvil" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bee88ddf2837ce69f6bc53bc24d264569098af38.png", "website": "https://acolite.ai", "all_locations": "Philadelphia, PA, USA", "long_description": "Acolite is an AI-powered insurance brokerage purpose-built for the construction industry. We combine modern technology with dedicated, licensed brokers to help contractors get the right coverage faster and at better rates than traditional brokerages can offer.", "one_liner": "AI Native Commercial Insurance Broker", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1747166393, "tags": [ "Insurance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/acolite", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/acolite.json", "year_founded": 2024, "city": "Philadelphia", "country": "US", "linkedin_url": "https://www.linkedin.com/company/acoliteai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bee88ddf2837ce69f6bc53bc24d264569098af38.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": 2511271, "full_name": "Daniel Siryakov", "title": "Founder/CEO", "founder_bio": "CEO of Acolite - Acolite is an AI-powered insurance brokerage purpose-built for the construction industry. We combine modern technology with dedicated, licensed brokers to help contractors get the right coverage faster and at better rates than traditional brokerages can offer.\n\nFormer AI PM, former MLE building systematic investment strategies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-siryakov-cfa-07071255/", "x_url": "https://x.com/danielzohan1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5eeb9ab1d6d2404357891d571476164a87453d8d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95549, "title": "Acolite - AI Commercial Insurance Brokerage", "tagline": "Commercial insurance, built for builders.", "body": "Hello! We're **Acolite** ([acolite.ai](http://acolite.ai)) — an AI-native **commercial insurance brokerage** built for contractors and trade businesses. We pair licensed brokers with AI teammates so clients get specialist expertise at software speed: same-day COIs, faster quotes, and brokers who actually know your trade.\n\nForward an email or call your broker — Acolite handles the rest.\n\n### **The problem**\n\nConstruction insurance is getting harder.\n\nContractors are dealing with rising premiums, carrier pullback, stricter contract requirements, more certificate requests, workers’ comp audits, action-over exclusions, subcontractor risk, and project owners asking for very specific coverage language.\n\nAt the same time, most brokers still operate the old way: manual applications, slow turnaround, limited coverage review, and little visibility into whether a policy actually matches the contractor’s risk.\n\nThat creates real problems:\n\n* Contractors overpay for coverage that may not protect them\n* Contracts get delayed because COIs or endorsements are wrong\n* Workers’ comp audits lead to surprise bills\n* Gaps in GL, auto, umbrella, or subcontractor coverage show up only after a claim\n* Business owners spend too much time chasing insurance instead of running jobs\n\n### **What Acolite does today**\n\nAcolite combines the traditional relationship-driven brokerage model with AI behind the scenes.\n\nWe help contractors:\n\n* Review existing policies and identify coverage gaps\n* Shop general liability, workers’ comp, commercial auto, umbrella, excess, and other construction policies\n* Compare quotes across carriers\n* Analyze contracts and insurance requirements\n* Check COIs, endorsements, additional insured language, waiver of subrogation, and primary & non-contributory requirements\n* Prepare cleaner submissions so carriers can quote faster\n* Navigate audits, renewals, and mid-term changes\n\nOur goal is simple: help contractors get the right coverage at the right price, without the usual back-and-forth.\n\n### **Who we serve**\n\nWe’re starting with construction because the pain is obvious and urgent.\n\nIf you’re searching for contractor insurance, general contractor insurance, electrical contractor insurance, roofing contractor insurance, HVAC contractor insurance, concrete contractor insurance, solar contractor insurance, or workers’ comp for contractors, we can help.\n\n### **Our ask**\n\n* If you’re a contractor, developer, or construction business owner, email me at [daniel@acolite.ai](mailto:daniel@acolite.ai) — I’m happy to review your current insurance and see if we can improve it.\n* If you’re a YC founder or friend of Acolite, introductions to contractors, GCs, developers, lenders, property owners, or construction-adjacent businesses are extremely helpful.\n\n![uploaded image](/media/?type=post&id=95549&key=user_uploads/2511271/a9b0aa26-e9af-4020-a4c8-73a21f46cf6a)\n\n", "url": "https://www.ycombinator.com/launches/Or7-acolite-ai-commercial-insurance-brokerage", "votes": 32, "created_at": "2025-11-17T16:21:30.815Z" }, { "id": 90371, "title": "Anvil - Be the Answer in AI Search", "tagline": "Optimize your brand's visibility within LLMs", "body": "### **⚠️ The Problem: You're Invisible Where It Matters**\n\nLLMs like ChatGPT are changing how people discover brands. Most companies have **zero visibility** into how often they’re mentioned, what queries they rank for, or which competitors are winning.\n\nThat means:\n\n* **You don’t know what LLMs are saying about you (or not saying).**\n* **You don’t know how to improve it.**\n* **You’re losing qualified traffic to better-optimized competitors.**\n\n---\n\n### **🛠️ Meet Anvil - LLM SEO for the AI Era**\n\nWe help companies **track, analyze, and grow their visibility** inside LLM platforms like ChatGPT, Gemini, and Claude.\n\n✅ **Monitor** your brand’s performance across thousands of user queries\\\n📊 **Benchmark** against competitors and discover where you're falling behind\\\n🔧 **Optimize** your content and metadata to rank better in AI-generated answers\n\nThink of it as **Ahrefs + Google Search Console - but for LLMs**.\n\nCheck out our demo:\n\n[**https://youtu.be/2TlFoldPEAc?feature=shared**](https://youtu.be/2TlFoldPEAc?feature=shared)\n\n### **Why Anvil?**\n\n🚦 Know what people _actually_ ask when your brand should be the answer\n\n📈 Identify which queries you're winning - and where you're invisible\n\n🔍 See which competitors are being recommended instead\n\n⚙️ Actionable insights to fix content gaps and optimize discoverability\n\n🧠 Built by a team who knows LLMs, SEO, and growth - not just buzzwords\n\n---\n\n### **The Ask**\n\nWe're onboarding a handful of design partners before Demo Day. Connect us with any interested CMOs!\n\nIf you want your company to _show up_ and _stand out_ in ChatGPT and beyond, drop us a message or comment below. We’ll run a free audit to show you how you stack up!\n\n📩 \\[[**daniel@joinanvil.com**](mailto:daniel@joinanvil.com)\\]\n\n🌐 \\[[**joinanvil.com**](http://joinanvil.com)\\]\n\nLet’s make sure the next time someone asks, **you’re the answer.**\n\n— Daniel, and Barak\n\nAnvil (YC X25)", "url": "https://www.ycombinator.com/launches/NVb-anvil-be-the-answer-in-ai-search", "votes": 35, "created_at": "2025-05-14T00:16:12.112Z" } ] }, { "id": 30487, "name": "IRBC", "slug": "irbc", "former_names": [ "Lyra" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7d307e10d74fa01d4fd34d5f8ea0755540c4046.png", "website": "https://irbc.com/", "all_locations": "New York City, NY, USA", "long_description": "IRBC is a financial technology company building an AI-native financial institution for global businesses and their AI agents. We believe stablecoins are to finance what AI is to software. IRBC enables businesses across 160 countries to bank, earn yield, spend with Visa credit cards, make instant global payments, and process payments like a local. All powered by programmable money and accessible through chat interfaces and a CLI.", "one_liner": "AI-native financial institution for global businesses + agents.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1746417759, "tags": [ "Fintech", "B2B", "Neobank", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/irbc", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/irbc.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/irbc", "x_url": "https://x.com/irbchq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7d307e10d74fa01d4fd34d5f8ea0755540c4046.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1617789, "full_name": "Courtne Marland", "title": "Founder/CEO", "founder_bio": "Founder & CEO at IRBC. Background in GTM engineering, SMMA, and software. Published 4 apps on the App store. 2x previous business exists. BSc Economics and Mathematical Sciences. Lived in South Africa, Dubai, London and Sydney.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/courtnemarland/", "x_url": "https://x.com/courtnemarland", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/670c43bf4b593ab7fd9b3447a8f5b247a54c31a9.jpg" }, { "user_id": 2368778, "full_name": "Henry Kwon", "title": "Founder/CTO", "founder_bio": "Building IRBC. US Congressional App Challenge 25 for '25. HackMIT & HackHarvard awards winner.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/taeksoo-kwon/", "x_url": "https://x.com/henrykwon05", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/22cfdf0a4b69b0a8e920671632d72f7d5e899f17.jpg" } ], "jobs": [], "news": [ { "title": "Video Calling Tool Lyra Raised $6 Million From YC and 468 Capital - Business Insider", "url": "https://www.businessinsider.com/video-call-tool-lyra-pitch-deck-y-combinator-seed-round-2025-7", "date": "Jul 24, 2025" } ], "launches": [ { "id": 94508, "title": "Lyra: The final meeting platform", "tagline": "Work with AI and your team live on docs, no screenshare required. Meetings finish with outcomes, not notes.", "body": "Hey YC community 👋\n\nWe’re excited to share Lyra, the final meeting platform.\n\nAI notetakers clutter meetings. Multiple tabs separate knowledge.\n\nLyra brings meetings and work together in one clean workspace.\n\nYou can work on docs with AI and your team live, no screenshare required. Create follow-ups and action items as you talk. Ask your meeting questions after the call. Access auto-transcribed calls and instant summaries. Everything stays in one place with full context across every meeting.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/f9014ef2-a26a-4734-bfef-3348b05afca0)\n\nLyra isn’t another notetaker. It’s a meeting platform with AI built in. You can host, record, transcribe, and collaborate all in one tab. The AI sits alongside your team to help you work during and after the call, instead of adding another window or attendee.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/9a37d1c6-2b08-45dd-a76e-b4556a8615da)\n\nEach meeting becomes a shared workspace where conversations, notes, and tasks connect automatically. The AI captures what matters, answers your questions, and keeps knowledge flowing between teammates. Nothing gets lost after the call.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/d559b1e5-5323-420c-88f8-580655f35b47)\n\n**For sales teams:**\n\n• Less admin, faster deals\n\n• Action items captured automatically\n\n• Ramp-up time halves as new reps learn from real calls\n\n**For customer success:**\n\n• Sales promises carry forward automatically\n\n• Next steps tracked in real time\n\n• New hires ramp faster with full account context\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/dc7c9a8d-e4e9-43b7-a211-8d0241bb126a)\n\nAI changed how we write and create. Lyra is what happens when that same intelligence is built directly into your meeting platform. No switching tabs, no juggling apps - just one place where you talk, collaborate, and finish with progress.\n\nEveryone who signs up gets 1,000 free minutes to start (enough for 30+ meetings) and an invite to a one-on-one onboarding session so we can learn from your experience and make Lyra even better.\n\nMeetings finish with outcomes, not notes.\n\nhttps://www.youtube.com/watch?v=fHAB1ycCBDc\n\nTry Lyra and see the difference → https://www.producthunt.com/products/lyra-7?launch=lyra-7\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/a0d9c7a5-dbfb-49ff-8d91-5341bd54a40c)\n\n", "url": "https://www.ycombinator.com/launches/OaK-lyra-the-final-meeting-platform", "votes": 9, "created_at": "2025-10-10T14:49:40.530Z" }, { "id": 90304, "title": "Lyra: The AI-Native Zoom For Revenue Teams", "tagline": "Sales hasn't changed in decades but buyer expectations have. We're fixing it.", "body": "Hey everyone 👋— we’re [Courtne](https://www.linkedin.com/in/courtnemarland/) and [Henry](https://www.linkedin.com/in/taeksoo-kwon/) and we’re building [Lyra](https://lyra.so/).\n\nhttps://youtu.be/KGiAZO7D60A\n\n# **❌ The Problem** \n\nEvery revenue team — whether at SMBs or enterprises knows these pains:\n\n* Spending hours manually personalizing docs and followup emails\n* Zero visibility into how engaged buyers are and what decision makers actually think\n* Champions that drag their feet on or just do a poor job at conveying your solution\n* Long sales cycles with long back and forth email threads\n* Trying to be competitive with a buying experience that sucks\n* Long ramp up periods spent studying content only to miss out on the latest material that customers actually care about\n\n**We believe sales is inherently human — AEs aren’t going anywhere, we 100x their efficiency and eliminate anything that isn’t talking to customers.**\n\n# **✅ Why Lyra Is Winning** \n\n**See our platform in action:**\n\nhttps://youtu.be/Gb0Gfi5Q-z0\n\nAlready, over 150 hours of sales calls are hosted on our platform each week. Metrics don’t lie - buyers rave about their experience, close rates go up and sales cycle lengths fall more than 34%. \n\nWe built our own meeting infrastructure with an AI agent at its core to deliver personalization at scale and a sales copilot in the room 24/7.  \n\n# **👋 The Team**\n\n**Courtne (CEO):** Published his first app at 13, has taken over 1,000 hours of sales calls and closed $50M in enterprise pipeline. BSc Applied Mathematics and Economics. \n\n**Henry (CTO)** HackMIT winner, early engineer at a few YC companies and brings AI technical expertise to the team. CS at UC Irvine. \n\n# **🚀 Run Your Next Sales Call On Lyra**\n\nWe're live with paying customers and seeking partners serious about revenue growth.\n\nIf you're interested in seeing what Lyra can do for your quota this month, we’d love to talk.\n\nContact us at [courtne@lyra.so](mailto:courtne@lyra.so)\n\n![uploaded image](/media/?type=post&id=90304&key=user_uploads/1617789/ed782300-fdce-4aef-9ff6-8cee71faa15f)\n\n", "url": "https://www.ycombinator.com/launches/NUW-lyra-the-ai-native-zoom-for-revenue-teams", "votes": 100, "created_at": "2025-05-12T19:41:01.266Z" } ] }, { "id": 30514, "name": "Scalar Field", "slug": "scalar-field", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b28fd1bee5f680014678e8985405788a687849f.png", "website": "https://www.scalarfield.io/", "all_locations": "", "long_description": "We’re building the agentic trading desk for the new operating system of markets.\r\n\r\nI used to be a trader at Tower Research and Goldman Sachs, and I’m building Scalar Field with my co-founder Ramakant, who led engineering teams at Microsoft.\r\n\r\nWe’ve both spent our careers at the intersection of finance and technology, and we’re using that experience to rethink how markets are analyzed, tested, and traded in the age of agents.\r\n\r\nScalar Field is built around a simple belief: over the next few years, agents will not just help people research markets — they will actively participate in them.\r\n\r\nThey will monitor news, parse filings, track sentiment, test hypotheses, rebalance portfolios, and execute trades. They will turn ideas into strategies, and strategies into live portfolios.\r\n\r\nBut today’s financial infrastructure was not built for that world.\r\n\r\nTerminals are dashboards. Backtesting tools are fragmented. Execution systems are separate. Market data is hard to unify. And most platforms still assume the human is the only decision-maker.\r\n\r\nScalar Field changes that.\r\n\r\nWe’re building an agentic trading platform where users can create financial agents that research data, backtest strategies, monitor market events, and trigger trades when specific conditions are met.\r\n\r\nThe long-term vision is agentic ETFs: portfolios created, managed, and rebalanced by agents around any idea, narrative, event, or market signal.\r\n\r\nScalar Field lets users go from thesis to backtest to live portfolio in one place.\r\n\r\nIt is infrastructure for the agentic trading era.\r\n", "one_liner": "Your Agentic Trading Desk — Building the next era of agentic…", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1746086893, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech" ], "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/scalar-field", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/scalar-field.json", "year_founded": 2025, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/scalarfield/", "x_url": "https://x.com/scalar_field_", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b28fd1bee5f680014678e8985405788a687849f.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": 1377681, "full_name": "Amandeep Singh", "title": "Founder/CEO", "founder_bio": "An ex-trader building the future of trading terminals. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amandeep-singh0/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/42f53e84f768fbe086bdfe721e658f3fe2c0a447.jpg" }, { "user_id": 593693, "full_name": "Ramakant Yadav", "title": "Founder/CTO", "founder_bio": "Building the new era of agentic trading", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ramakant-yadav1/", "x_url": "https://x.com/yoursRY", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9f4db489a75670053bce8dcaa8106e27f8bd5b13.jpg" } ], "jobs": [ { "id": 95826, "title": "Digital Native Community, Social & Creator Growth Internship", "url": "https://www.ycombinator.com/companies/scalar-field/jobs/O0pkhfz-digital-native-community-social-creator-growth-internship", "location": "US / Remote (US)", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 106006, "title": "Scalar Field | The agentic trading desk", "tagline": "Build, backtest, and deploy trading agents across equities, options, prediction markets, and on-chain assets.", "body": "# Scalar Field: The agentic trading desk\n\nHi all,\n\nWe’re Aman and Ramakant, founders of Scalar Field.\n\nI previously worked as a trader at Tower Research and Goldman Sachs. Ramakant led engineering teams at Microsoft. We’ve both spent our careers at the intersection of finance and technology, and we’re now building the infrastructure financial agents need to operate in markets.\n\n**TL;DR:** Scalar Field lets you turn an investment idea into research, a backtest, and a live trading agent in one place. Agents can use LLMs for research and reasoning, then run strategies through an event-driven execution layer with approximately **300 ms event-to-trade latency**.\n\n\n\n## The problem\n\nOver the next few years, agents will not just help people research markets. They will actively participate in them.\n\nThey will monitor news, parse filings, analyze data, test hypotheses, manage portfolios, and execute trades.\n\nBut today’s financial infrastructure was not built for this.\n\nMarket data is fragmented across providers. Research and backtesting happen in separate systems. Execution requires another set of integrations. Most financial platforms are dashboards designed for humans, not infrastructure designed for agents.\n\nThere is also a more fundamental problem: most AI-agent frameworks assume every action should begin with an LLM call.\n\nAn event occurs. The agent sends context to a model. The model reasons about it, chooses a tool, and eventually places a trade.\n\nThat is often the wrong modality for trading agents.\n\nLLM calls are costly and introduce significant latency. A trading agent cannot call a language model every time a price changes, a signal fires, or a portfolio needs to be rebalanced.\n\nLLMs are useful for interpreting unstructured information, researching ideas, and developing strategies. They should not have to sit in the critical path of every trade.\n\n## What Scalar Field does\n\nScalar Field separates the agent’s reasoning layer from its execution layer.\n\nAgents can use LLMs where intelligence and interpretation are valuable. They can then convert those decisions into deterministic, event-driven strategies that continuously monitor markets and execute without another LLM call at every step.\n\nScalar Field handles:\n\n* Financial data and research compute\n* Python-based strategy development and backtesting\n* Event and schedule-based strategy triggers\n* Persistent agent state\n* Portfolio allocation and position tracking\n* Risk and execution checks\n* Order routing and reconciliation\n* Real-time performance and NAV tracking\n\nThis lets users go from thesis to backtest to live portfolio without stitching together data providers, compute infrastructure, agent frameworks, and brokerage APIs.\n\n## Where agents can trade\n\nScalar Field currently supports:\n\n* **Robinhood** — US equities and ETFs\n* [**Public.com**](http://Public.com) — US equities and options\n* **Polymarket** — prediction markets\n* **Jupiter DEX** — Solana tokens and tokenized assets\n* **Alpaca** — US equities and options\n\nWe also support paper trading through Alpaca and Polymarket, so users can test agents before allocating real capital.\n\n**Hyperliquid support for crypto perpetual futures and spot is coming soon.**\n\n## What you can build\n\nFor example, you could build an agent that:\n\n* Tracks which public companies are increasing AI capital expenditure, then continuously rebalances into the companies investing most aggressively in data centres, chips, and AI infrastructure.\n* Monitors insider purchases across thousands of companies, tests whether purchases by CEOs or directors predict future returns, and automatically trades only when the historical signal is strong enough.\n* Reacts to market-moving events such as earnings surprises, inflation data, interest-rate decisions, breaking news, or sudden changes in prediction-market probabilities.\n* Watches every live sports game and trades when the market overreacts, for example, when the team that started as the favourite falls behind early but its estimated win probability begins to recover.\n* Runs a simple deterministic rule, such as buying a stock when a predefined signal crosses a threshold, without making an LLM call at all.\n* Or goes much deeper: trains a transformer on historical market data, uses the model to generate signals in real time, and automatically executes trades when those signals meet the strategy’s risk and confidence requirements.\n\nOur long-term vision is **agentic portfolios**: portfolios created, managed, and continuously rebalanced by agents around any thesis, narrative, event, or market signal.\n\nWe believe agents will become some of the largest participants in financial markets. But that will not happen by simply connecting a generic LLM-agent framework to a brokerage API.\n\nTrading agents need infrastructure that combines intelligence with financial data, event-driven compute, persistent state, portfolio management, risk controls, and low-latency execution.\n\nThat is what we’re building with Scalar Field.\n\n## Asks\n\n1. **Try Scalar Field** and tell us what breaks, what is missing, and what trading agent you would build first.\n2. **Introduce us to quantitative traders, developers, and investment teams** experimenting with AI-driven research, portfolio management, or automated execution.\n\nYou can try it at [**scalarfield.io**](http://scalarfield.io).", "url": "https://www.ycombinator.com/launches/RZm-scalar-field-the-agentic-trading-desk", "votes": 1413, "created_at": "2026-07-16T14:01:12.958Z" }, { "id": 90206, "title": "Scalar Field: Reinventing the Trading Terminal, One Intelligent Agent at a Time", "tagline": "Test any market hypothesis instantly — and intelligently.", "body": "Hey YC! I’m [Aman](https://www.linkedin.com/in/amandeep-singh0/) (ex-trader from Tower Research and Goldman Sachs), building **Scalar Field** with my co-founder [Ramakant](https://www.linkedin.com/in/ramakant-yadav1/) (ex-Microsoft).\n\nhttps://www.youtube.com/watch?v=oOwJB5R4HxA\n\n### **The Problem We're Solving**\n\nWhy does anyone log in to a trading terminal like Bloomberg or FactSet?\n\nBecause — whether consciously or subconsciously — there’s a **hypothesis in their mind**. Something they're trying to validate as they jump across **charts, news, fundamentals, and macros**.\n\nBut here’s the issue: **Terminals today are built like giant dashboards**.\\\nWhat traders and analysts actually want is to **test and validate ideas**, not just observe data. So we asked ourselves — why not **rebuild the terminal from scratch** to do exactly that?\n\n---\n\n### **What We’re Building**\n\nAt **Scalar Field**, we’re reimagining the trading terminal from the ground up using **intelligent agents**. We started with retail traders as a way to build credibility with institutions—and already have around 800 paying traders, over 34,000 signups, and **$74,000** in monthly revenue.\n\nOur goal is simple:\\\n**Let users test any market hypothesis instantly — and intelligently.**\n\nWe’re building a terminal that can:\n\n→ **Run compute-heavy backtests** across multiple datasets (fundamentals, prices, macro, alternative data)\\\n→ **Spin up agents** that reorganize dashboards based on new signals or events\\\n→ **React to live market changes** and even **initiate trades** when conditions match your criteria\\\n→ **Persist memory across sessions** — so your research trail is never lost\\\n→ **Chain multi-hop workflows:** e.g., _If ETF flows spike and earnings surprises drop, highlight affected sectors and show next trade ideas_\n\nIt’s not just data access — it’s **agent-driven insight and action**.\n\n---\n\n### **🚀 Try it Now: [Scalar Field](https://scalarfield.io)**\n\n---\n\n### **🎁 YC Deal**\n\nWe’re offering **2 months of Pro+ free** to all **YC X25 founders and alums**.\\\nUse code **YCOMBINATOR** or just email us: [**founders@scalarfield.io**](mailto:founders@scalarfield.io)\n\n---\n\n### **What We’re Looking For:**\n\n* **Feedback** from LLM / infra builders\n* **Warm intros** to PMs, RIAs, analysts, or macro researchers\n* **Ideas** on scaling persistent memory + multi-hop reasoning\n\nWe’d love to hear your thoughts!\n\n— **Aman & Ramakant**\\\n📧 [founders@scalarfield.io](mailto:founders@scalarfield.io)", "url": "https://www.ycombinator.com/launches/NSw-scalar-field-reinventing-the-trading-terminal-one-intelligent-agent-at-a-time", "votes": 1119, "created_at": "2025-05-08T19:00:08.256Z" } ] }, { "id": 30591, "name": "Autonomous Technologies Group", "slug": "autonomous-technologies-group", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1418e292df2ccff4d9598566261526adff42355d.png", "website": "https://becomeautonomous.com/", "all_locations": "New York City, NY, USA", "long_description": "Autonomous is a superintelligent financial advisor at 0% advisory fees. \r\n\r\nToday, managing your money means one of two bad options:\r\n\r\nDIY your money: You end up with accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job.\r\n\r\nHire a financial advisor: They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees.\r\n\r\nNeither path can economically deliver the sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc.\r\n\r\nThese aren't secret – they're just economically impossible to deliver at scale through traditional human advisors.\r\n\r\nRobos were supposed to fix this, but they were designed in a pre-AI world. In practice they just manage cookie-cutter portfolios. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions.\r\n\r\nWe’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors.\r\n\r\nAutonomous is built around a frontier-scale reasoning engine—an AI that perceives global events as they unfold, understanding their deeper implications for markets and and most importantly, how these events will impact your investments. ", "one_liner": "Superintelligent financial advisor", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1764806109, "tags": [ "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech" ], "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/autonomous-technologies-group", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/autonomous-technologies-group.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/autonomous-technologies-group/", "x_url": "https://x.com/a____t____g", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1418e292df2ccff4d9598566261526adff42355d.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": 8758, "full_name": "Dillon Erb", "title": "Founder/CEO", "founder_bio": "CEO/ co-founder Autonomous Technologies Group (YC/F25)\nprev: CEO/ co-founder @ Paperspace (YC/W15) - Acquired DigitalOcean (2023)\nAngel Investor / Advisor\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dillonerb", "x_url": "https://twitter.com/dlnrb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/857314bbdb8b28ab6e06435e5af25da9d5c3786d.jpg" }, { "user_id": 64620, "full_name": "Daniel Kobran", "title": "Founder/COO", "founder_bio": "Cofounder of Autonomous Technologies Group. Prev. Cofounder of Paperspace (GPU cloud, YC), acquired in 2023. Background in cloudscale GPU computing & AI. Early stage deep tech investor. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-kobran/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e71fc6c02aa2610d7cfa35c0f4522d3a625a9cd6.jpg" } ], "jobs": [ { "id": 78682, "title": "Member of Technical Staff (Backend)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/9XBlkWc-member-of-technical-staff-backend", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $260K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 78686, "title": "Member of Technical Staff (Full Stack)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/leXsgOS-member-of-technical-staff-full-stack", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$170K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 78687, "title": "Member of Technical Staff (Research Engineering)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/qnaU0Uk-member-of-technical-staff-research-engineering", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $260K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 78688, "title": "Research Scientist", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/XoXpFWN-research-scientist", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 81481, "title": "Member of Technical Staff (iOS)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/Tzcbmes-member-of-technical-staff-ios", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $240K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85279, "title": "Member of Technical Staff, Quantitative Systems", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/DH2H9nM-member-of-technical-staff-quantitative-systems", "location": "New York City / San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90037, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/PWbUi20-product-designer", "location": "New York City", "type": "Full-time", "role": "Design", "role_type": "Mobile design", "salary_range": "$115K - $125K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104229, "title": "Member of Technical Staff (Data Platform)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/LZPa2oC-member-of-technical-staff-data-platform", "location": "New York City / San Francisco / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $275K", "equity_range": "", "experience": "8+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104230, "title": "Client Director", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/2Ho2HEk-client-director", "location": "San Francisco / New York City / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Y Combinator Grads Raise $15 Million for AI Money Manager Autonomous - Business Insider", "url": "https://www.businessinsider.com/atg-autonomous-technologies-y-combinator-15-million-ai-money-manager-2026-1", "date": "Jan 06, 2026" } ], "launches": [ { "id": 96574, "title": "Autonomous – Superintelligent financial advisor at 0% advisory fees", "tagline": "Invest like the ultra-wealthy with an AI-native wealth strategist", "body": "![uploaded image](/media/?type=post&id=96574&key=user_uploads/64620/29da316a-9f16-4a20-8f6d-c083a115287f)\n\nHello! We co-founded and exited Paperspace (GPU cloud, YC W15). After selling Paperspace, we did the “responsible” thing and tried to get our own finances dialed in.\n\nI encountered two options, both felt broken and just weren’t right for me:\n\n## **The problem**\n\n**DIY your money:** Accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job.\n\n**Hire a financial advisor:** They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees.\n\nNeither path felt like what I wanted: sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc.\n\nThese aren't secret – they're just unfeasible to deliver at scale through traditional human advisors.\n\n**Robos were supposed to fix this, but they were designed in a pre-AI world.** In practice the robo option can feel cookie-cutter. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions.\n\n## **What we're building**\n\n**Autonomous** ([becomeautonomous.com](http://becomeautonomous.com)) is a superintelligent wealth manager with **0% advisory fees**. (Note, our optional direct-indexing feature will charge a fee, replacing ETFs and Mutual Funds with individual securities).\n\nWe’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors.\n\n**Sees everything and understands it**\n\nConnect all your accounts, including messy off-platform assets like rental properties, SPVs, and startup equity. Autonomous builds a live view of your assets, liabilities, cash flow, and taxes. It knows where you're concentrated, where you're wasting tax capacity, where cash is idle.\n\n**Conversational intelligence**\n\nTalk to Autonomous 24/7 about any financial decision. \"Should I max out my 401k or pay down my mortgage?\" \"How does this job offer change my strategy?\" Get answers, explore tradeoffs, execute instantly. No quarterly calls.\n\n**Personalized direct indexing**\n\nInstead of generic ETFs, Autonomous builds a direct index optimized for your income, tax bracket, time horizon, and goals. Designed to\\\nharness sophisticated, wealth optimization strategies, Autonomous\\\noptimizes portfolios at the individual security level. You refine through conversation, it deploys intelligently.\n\n**Continuous optimization**\n\nAutonomous monitors everything continuously, alerting you to what matters: tax-loss harvesting opportunities, rebalancing needs, cash deployment timing, risk adjustments. \n\n**Custom exposures, not stock picking**\n\nOn top of your core plan, you can add targeted strategies if you want to be more hands-on. Want targeted exposure to AI? Autonomous maps the ecosystem, builds a custom sleeve sized by volatility and fundamentals, accounts for correlations with your existing positions, and manages it inside your broader plan. AI agents design and implement it.\n\n## **Who this is for**\n\nRight now we're focused on:\n\n* People with multiple fragmented accounts and a spreadsheet they don't trust\n* Brokerage users with a pile of individual bets, not a strategy\n* Anyone who doesn't want to pay 1-2% forever but also doesn't want to be their own wealth manager\n\n## **Why now**\n\nPeople everywhere already ask AI about their finances, but there's no Cursor-style \"apply\" button and it doesn't run continuously. The technology finally exists to deliver institutional wealth management through AI.\n\nWealth management generates \\~$250B/year in advisory revenue, with human intermediaries extracting massive amounts of fees. It feels like a pre-Robinhood brokerage world: entrenched, expensive, structurally misaligned.\n\nAutonomous is following the neobank playbook that companies like Mercury and Ramp used in traditional banking: replace brick-and-mortar with elegant digital experiences.\n\n**Get early access:** [becomeautonomous.com](http://becomeautonomous.com)\n\n_Note: We are hiring across multiple roles in NYC and SF: [https://atg.science/](https://atg.science/)_", "url": "https://www.ycombinator.com/launches/P7e-autonomous-superintelligent-financial-advisor-at-0-advisory-fees", "votes": 72, "created_at": "2026-01-07T18:33:55.271Z" } ] }, { "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": 30619, "name": "Shor", "slug": "shor", "former_names": [ "Kesher Link", "ShorPay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9323f5fe8a247ae355ff7d76dd80f82fd6b8e192.png", "website": "https://shorpay.com", "all_locations": "San Francisco, CA, USA", "long_description": "Shor is international payroll, built for founders. Hire your first international employee or contractor at startup speed. Set up on one call, run payroll the same week.\r\n\r\nPay contractors and employ full-time team members through Shor's EOR across the world. Localized contracts, automatic compliance, and same-day local-currency payouts at a flat FX margin. No setup fees, no lock-ins.\r\n\r\nBacked by Polychain Capital, Founders Capital, and Goodwater, among others.", "one_liner": "International payroll, built for founders", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1753916245, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/shor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/shor.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/107131032", "x_url": "https://x.com/shor_pay", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/shor", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9323f5fe8a247ae355ff7d76dd80f82fd6b8e192.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/6f8d7d54541ec539093a3f388771f751a1038443.png" ], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 323332, "full_name": "Daivik Goel", "title": "Founder/CEO", "founder_bio": "Building Shor, the fastest, most affordable way for global workforces to be hired and paid\n\nIn the past, I’ve built global financial infrastructure from scratch in weeks, shipped production APIs overnight, and started Founders Brew, which has brought together 2,000+ founders across SF, Toronto, and NYC.\n\nI’ve also worked on product and engineering at Tesla, Cisco Meraki, and several early-stage startups.\n\nComputer Engineering Grad, University of Waterloo", "is_active": true, "linkedin_url": "https://linkedin.com/in/daivikg", "x_url": "https://x.com/daivikgoel", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a0032395b8885c45b2ca404ee0a29e8fd3d1f72b.jpg" }, { "user_id": 476450, "full_name": "Avi Konduru", "title": "Founder", "founder_bio": "Currently building Shor (YC S25), leveraging AI agents and stablecoins to create the world’s fastest, most affordable global EOR.\n\nPreviously co-founder of the world’s first rent-to-own exchange, where we connected aspiring homeowners with sellers via rent-to-own contracts and facilitated over $2M in home sales.\n\nEarlier, I worked as an ML Engineer at Kensho Technologies and a Quant at Wells Fargo.\n\nGraduate of UT Austin, B.S. in Computer Science.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kumaravinash-avi-konduru-54b3a6bb", "x_url": "https://x.com/avikonduru", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/23901e4d364515ad5e45f6dcfc4867d8ac59ac5c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 30663, "name": "Tesora", "slug": "tesora", "former_names": [ "Tesora AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2793bc4802e1c1cddfc383aed3ac255ec33a0465.png", "website": "https://tesora.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Tesora builds frontier AI agents for actuaries at P&C carriers, reinsurers, and MGAs. The agents handle the assembly, pulling the data, running the method, and deploying the rater, while you review the work and make every call. We deploy inside the stack you already run, on your infra and under your IT team's control, with no shared servers and nothing to rip out. Your data never trains our models, or anyone else's. We treat this as a partnership so we stay hands-on until the work is live and holding up in production. That standard runs through our security posture too: SOC 2 Type II certified, with a full audit trail behind every change.\r\n\r\nThe part of the job that matters is actuarial judgment, and we automate everything around it so you get back to the work only you can do. Built by AI technologists and actuaries who want to see this exist and backed by Y Combinator & other top investors.", "one_liner": "Frontier AI for Actuaries", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1755571936, "tags": [ "API", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/tesora", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/tesora.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tesora-ai", "x_url": "https://x.com/TesoraAI", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tesora-5a73", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2793bc4802e1c1cddfc383aed3ac255ec33a0465.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/be40016165c827c6b164dc564263234137dc9e76.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2380857, "full_name": "Vivek Rao", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO of Tesora\nMcKinsey, Sycamore Partners (~$14B AUM), UChicago / Booth Alum", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivek-r-928871173/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d778d05cda0402261a152f5040ace14958d15392.jpg" }, { "user_id": 1727648, "full_name": "Federico Reyes Gomez", "title": "Founder/CTO", "founder_bio": "Federico Reyes Gómez, Co-founder & CTO | Stanford BS/MS in CS & Philosophy | Google Document AI alum who turned down Stripe to join his professor’s Sequoia-backed startup Kumo, deploying graph neural networks on relational data. AI researcher and forward-deployed engineer, side-project junkie, and indie music producer (PICO).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/federico-reyes-gomez", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b460a3a465c2b0938ec60af30c0ff454c00f8f74.jpg" } ], "jobs": [ { "id": 95327, "title": "Forward Deployed 'Actuarial' Engineer", "url": "https://www.ycombinator.com/companies/tesora/jobs/cQv9I9x-forward-deployed-actuarial-engineer", "location": "San Francisco, CA, US / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Machine Learning", "Software Architecture", "AI Agents" ] }, { "id": 95328, "title": "GTM Insurance Executive", "url": "https://www.ycombinator.com/companies/tesora/jobs/PxgFXks-gtm-insurance-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30681, "name": "Conviction", "slug": "conviction", "former_names": [ "Parachute", "Parachute AI", "Parachute", "Parachute AI", "Parachute" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d77bd0a212f97907bcda7fd8ba18232fbfdb55b.png", "website": "https://convictiontrade.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Conviction lets you create and discover trading ideas, then monitors the market and acts on them for you.\r\n\r\nStart with any idea you have - or discover one from traders you follow on X or Reddit - and turn it into a strategy in natural language. Backtest it, paper trade it, deploy it and share what you learn.", "one_liner": "Anyone Can Trade", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1752533752, "tags": [ "Fintech", "Crypto / Web3", "Consumer Finance", "AI", "Stocks" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "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/conviction", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/conviction.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/convictiontrade", "x_url": "https://x.com/tryconviction", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d77bd0a212f97907bcda7fd8ba18232fbfdb55b.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": 1334167, "full_name": "Aria Vikram", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @ Conviction. Previously NLP Researcher @ Columbia; deployed AI chatbots for doctors @ CUIMC. Google Code-In Grand Prize winner, RSI alum, and USAID awardee.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aria-vikram/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce46ddcc8027cea7958ea3c31a58c6cd36294e5f.jpg" }, { "user_id": 2721903, "full_name": "Tony Yamin", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO @ Conviction; turned down offers from Google and BlackRock. Previously built machine-learning infrastructure for the U.S. Department of Defense at Booz Allen. Best AI @ HackPrinceton and Finalist @ YaleHack.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tyamin", "x_url": "https://x.com/Tonyyamin_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4460b36044b726844f7c24ce440bdf05818782f5.jpg" } ], "jobs": [ { "id": 100109, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/conviction/jobs/dKyC4hT-founding-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$90K - $210K", "equity_range": "0.50% - 2.00%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] }, { "id": 107800, "title": "Quantitative Engineer", "url": "https://www.ycombinator.com/companies/conviction/jobs/0HkAQMH-quantitative-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$90K - $210K", "equity_range": "0.50% - 2.00%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "The Most Promising Startups To Watch From YC Summer 2025 Batch", "url": "https://www.forbes.com/sites/dariashunina/2025/09/04/the-most-promising-startups-to-watch-from-yc-summer-2025-batch/", "date": "Sep 04, 2025" } ], "launches": [ { "id": 115741, "title": "Conviction - Trading Desk in Your Pocket", "tagline": "Turn ideas into trades in seconds ", "body": "Hey everyone!\n\nWe’re Aria & Tony, co-founders of Conviction. We spent much of college experimenting with our own trading strategies. We became obsessed with one question: why should sophisticated trading tools only be accessible to Wall Street?\n\n**TL;DR:** Describe a trading idea in natural language. Conviction tests it on historical data and deploys an AI agent that trades on your behalf.\\\n\\\n\n\n**The Problem**\n\nMost people don't have time to stare at charts all day. \n\nBut trading ideas show up everywhere: On Reddit. In the news. On X. YouTube. TikTok.\n\nThe hard part is separating signal from noise and acting in time. \\\n\\\n**Our solution**\n\nConviction gives everyday investors access to the kind of research, testing, and execution tools that were once built primarily for professional trading desks.\n\n### **How it works**\n\n1. **Start with an idea**\\\n Describe a trading thesis or discover one from the market.\n2. **Research it instantly**\\\n Conviction pulls from SEC filings, financial news, market data, X, Truth Social, Reddit, earnings, and other signals to help you build the strategy.\n3. **Test before you trade**\\\n Backtest your strategy against historical market data in seconds and see how it would have performed.\n4. **Try it with fake money in the real market**\\\n Paper trade the strategy live before putting real capital behind it.\n5. **Deploy when you are ready**\\\n Connect your brokerage and put your strategy to work.\n6. **Let your agent watch the market for you**\\\n Your AI agent continuously monitors market data, technical indicators, news sentiment, SEC filings, earnings, social signals, and more, then acts when your conditions are met.\n\nInstitutions have always been one step ahead. Our mission is to bridge that gap and bring those tools to you.\n\n**Start trading here:** [convictiontrade.ai](http://convictiontrade.ai)\n\n**Questions?** Email us here: [founders@convictiontrade.ai](mailto:founders@convictiontrade.ai)\n\n**Join our Discord** to be part of the Conviction community. Get access to exclusive offers, swag, product updates, and opportunities to help shape what we build next: \n\n**Our ask:** Traders, future traders, market obsessives. Send this to your people.", "url": "https://www.ycombinator.com/launches/U6n-conviction-trading-desk-in-your-pocket", "votes": 1241, "created_at": "2026-09-16T23:25:03.321Z" }, { "id": 92824, "title": "Parachute: Evaluate, Deploy, and Monitor Clinical AI", "tagline": "We enable hospitals to adopt AI safely and at scale", "body": "Hey everyone!\n\nWe’re Aria & Tony, co-founders of Parachute – the end-to-end governance infrastructure that helps hospitals adopt AI safely and at scale. \n\n**TL;DR:** \n\nParachute helps health systems evaluate, deploy, and monitor every AI tool they touch – whether it’s an Epic plug-in, vendor model, or in-house imaging model.\n\nhttps://youtu.be/tRvaL0LaWOI?feature=shared\n\n**Why we built this**\n\nDuring our time spent deploying AI at Columbia University Irving Medical Center (CUIMC), we kept seeing the same issues:\n\n* 2,000+ clinical AI tools have hit the market\n* New rules (HTI-1, Colorado AI Act, CA SB 3030, White House AI Action Plan) demand auditable proof of safety, equity, and efficacy\n* Lean IT teams can’t possibly vet and watch every model, and a single failure can cost lives and trigger seven-figure settlements\n\nGreat innovations die in pilot hell because the infrastructure to deploy AI tools simply does not exist.\n\nThat’s why we built Parachute and why CUIMC now uses it to track live models in real time.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXfMeMr6DgcDfTSH91cRA9KtSS09A-U2M58jcX1CTXsbPw7Ud6BHvJcCpmNCjMdLr81Nsd2w887yyYtaGkNny9DtSgWATBs8qekupLkiRfuj4WlU33gbaf9u5hCBcgUypKIjh6yFlA?key=tv4NvQsH04_CHvpgP40CGw)\n\n🪂 **How Parachute works** \n\n**1. Vendor discovery and vetting**\\\nAI agents map the hospital’s gaps and goals to the best AI tools on the market, while our review engine flags any compliance issues in vendor documentation.\n\n**2. State-of-the-art benchmarking and evaluations**\\\nOur automated scoring and stress testing helps decision makers identify the best-fit options.\n\n**3. Real-time observability**\\\nOnce a tool is adopted, Parachute monitors it from inception through post-deployment. We automate real-time tracking of performance, drift, and bias – alerting you the moment any metric slips below threshold.\n\n**4. Immutable audit trail**\n\nEvery approval, test, change, and runtime metric around a model is documented and audit-ready for regulators.\n\n**Call to action**\n\nHospital leaders: Want stalled pilots live before 2026, access to the world’s best AI tools, an audit-proof evidence trail and hands-free monitoring? \n\nAI vendors: Want your product listed in the only marketplace that maps directly to hospital gaps and compliance needs?\n\nReach us at [founders@parachute-ai.com](mailto:founders@parachute-ai.com) or book a meeting [here](https://calendly.com/founders-parachute-ai/30min). \n\nFor more information visit: [parachute-ai.com](http://parachute-ai.com)\n\n**Launch Offer**\n\nYC AI companies: 50% off a marketplace listing.", "url": "https://www.ycombinator.com/launches/O9A-parachute-evaluate-deploy-and-monitor-clinical-ai", "votes": 92, "created_at": "2025-08-07T17:37:45.177Z" } ] }, { "id": 30706, "name": "Solva", "slug": "solva", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b15b9a0a3aeadaf4902e3ef1a27712b5677c90d6.png", "website": "https://solvatechnology.com", "all_locations": "New York City, NY, USA", "long_description": "Insurance is 7% of worldwide GDP and we’re building the infrastructure for how the world handles risk", "one_liner": "Building the new superintelligence for insurance", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1754360048, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/solva", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/solva.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/solvatechnology", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b15b9a0a3aeadaf4902e3ef1a27712b5677c90d6.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": 2404520, "full_name": "Herman Båverud Olsson", "title": "Founder/CEO", "founder_bio": "CEO and Co-founder of Solva. Previously building Lassie to $120M ARR with $120M raised, earning recognition as Europe’s fastest-growing InsurTech. Prior to that, I led AI and machine learning transformations at BCG X across financial services. I also have experience in FinTech and InsurTech from Morgan Stanley", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hermanbaverudolsson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d5536abbb168e1f63ae5cfd59686528d96262cef.jpg" }, { "user_id": 2404549, "full_name": "Sorena Amini", "title": "Founder/COO", "founder_bio": "COO and Co-founder of Solva. Was previously part of building tech-enabled companies in traditional industries, including KeyTo (from $60m to $250m). Before that, I worked at Citi focusing on InsurTech and at Talentech (formerly ReachMee) with growth and product.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sorenaamini", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/401d07d447c497ad57f1c77a25af14d347986df9.jpg" }, { "user_id": 2782188, "full_name": "Linus Malmén", "title": "Founder/CTO", "founder_bio": "CTO and Co-founder of Solva. Before Solva, I Co-founded Zaver (most recently starred in CNBC), a European neobank processing over €1 billion annually under an EBA-CRD license. Clients include Porsche, Volkswagen, and Loewe. I've led AI development for leading tech companies long before AI became the norm and my work has been featured in TechCrunch, Bloomberg and Forbes.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/linus-malmén-2588406a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b7cdd7d55cdcd313b5ed61db7489836586f003e.jpg" } ], "jobs": [ { "id": 81385, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/solva/jobs/V9X1F0T-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $200K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 92740, "title": "Solva: Harvey for insurance", "tagline": "Harvey for insurance - AI that automates insurance claims and stops wrongful payouts", "body": "**TLDR:** We are building Harvey for insurance. We help insurers automate claims and stop wrongful payouts using verifiable AI agents.\n\nOur team has spent the last decade battling legacy systems and dogma across highly regulated sectors of the financial industry. We’ve founded an EU-licensed bank (under the EBA CRD) and been part of scaling Europe’s fastest-growing InsurTech. We’ve seen firsthand the challenges with manual claims handling and how AI can fundamentally transform this process\n\n[**https://youtu.be/wfX4D08cNk4**](https://youtu.be/wfX4D08cNk4)\n\n---\n\n**The problem**\n\nYearly insurance claim payouts total more than $6.5 trillion (6% of worldwide GDP). The way insurance is sold has evolved considerably, but the handling of claims has remained largely unchanged since the early days of the internet. Due to the inconsistent nature of manual processing, handling errors alone are estimated to cause more than $200B in wrongful payouts per year. Add another $75B to that number for administrative operating expenses, and a rough idea of the true cost emerges.\n\nThe industry’s fix to this problem? Windows 2000-era admin UIs glued onto IBM mainframe systems, fragile RPA-automations that break every Feb 29th, and an army of adjusters. The result is a mess of growing complexity - and customers pay the price.\n\n---\n\n**The solution**\n\nSolva automates repetitive tasks and prevents wrongful payouts using verifiable, self-learning AI agents - built to run seamlessly on top of any existing claims stack.\n\nSolva’s system:\n\n* Detects incomplete evidence\n* Identifies breaches of policy terms\n* Exposes fraudulent behavior\n* Delivers source-cited claim recommendations\n\nWe bring claims handling from punchcards to Claude Code - helping insurers to stop spending billions on repetitive tasks and wrongful payouts.\n\n---\n\n**The team**\n\n![uploaded image](/media/?type=post&id=92740&key=user_uploads/2404520/068071e0-ad95-4555-bc06-332e3c2e2fbd)\n\n* **Herman Båverud Olsson** \\\n Herman is the CEO and Co-founder of Solva. He was previously part of scaling Lassie to $50m, which was recognized by Sifted in 2024 as Europe’s fastest-growing InsurTech. Before that, he led AI and machine learning transformations at BCG X. He also has experience in FinTech and InsurTech from his time at Morgan Stanley\n* **Linus Malmen** \\\n Linus is the CTO and Co-founder of Solva. Before Solva, he co-founded Zaver (most recently starred in CNBC), a European neobank processing over €1 billion annually under an EBA-CRD license. Clients include Porsche, Volkswagen, and Loewe. He has led AI development for leading tech companies long before AI became the norm and his work has been featured in TechCrunch, Bloomberg, and Forbes\n* **Sorena Amini** \\\n Sorena is the COO and Co-founder of Solva. He previously built tech-enabled companies in traditional industries, including KeyTo (from $60 to $250M) during his time at Fidelio. He has longstanding experience in highly regulated financial industries, including advising insurance and InsurTech companies during his time at Citi", "url": "https://www.ycombinator.com/launches/O7o-solva-harvey-for-insurance", "votes": 41, "created_at": "2025-08-07T15:02:52.764Z" } ] }, { "id": 30749, "name": "Fernstone", "slug": "fernstone", "former_names": [ "Sentri Security", "Sentri" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2529eaf040180126a595ccd660f42824d36e2dae.png", "website": "https://www.fernstone.com", "all_locations": "New York City, NY, USA", "long_description": "Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 500+ businesses in construction, security, and the trades. ", "one_liner": "AI-native insurance brokerage. ", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1759775643, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/fernstone", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/fernstone.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fernstone/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2529eaf040180126a595ccd660f42824d36e2dae.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 737672, "full_name": "James Chen", "title": "Founder/CEO", "founder_bio": "Building Fernstone. Previously Traba (Series A, Founders Fund), BCG, UChicago. Former debate champion ranked #1 in the USA out of 10,000 teams. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/james-chen-394ab67b/", "x_url": "https://x.com/James_R_Chen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/480aa339f23cadccae06f7f6b4e95ea13d9fec5d.jpg" }, { "user_id": 2822736, "full_name": "Bryant Le", "title": "Founder/CTO", "founder_bio": "Building Fernstone. Former Engineering @ Google and SentiLink (Series B, a16z). Previously Vanderbilt Applied Math / CS. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryant-le-3884a7134", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/10e66d02f9cdc0c3cd63e05af365d3d61331fc82.jpg" } ], "jobs": [ { "id": 111398, "title": "Founding Sales Development Representative", "url": "https://www.ycombinator.com/companies/fernstone/jobs/HNZMqpH-founding-sales-development-representative", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $90K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 111987, "title": "Founding Growth & Ops Lead", "url": "https://www.ycombinator.com/companies/fernstone/jobs/ttMoyl4-founding-growth-ops-lead", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$90K - $130K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 112215, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/fernstone/jobs/AUE2Y7y-founding-engineer", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $180K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112216, "title": "Growth & Operations Analyst", "url": "https://www.ycombinator.com/companies/fernstone/jobs/1YekzVV-growth-operations-analyst", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $90K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30786, "name": "Munify", "slug": "munify", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.png", "website": "https://munify.ai", "all_locations": "Orlando, FL, USA; Remote", "long_description": "Munify is the cross-border Neobank for the Middle East and its diaspora. Instantly open a USD account, get a virtual card, and send money home at the best rates, all from one app.", "one_liner": "The Cross-Border Neobank for the Middle East", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1755868164, "tags": [ "Fintech", "Consumer", "B2B", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "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/munify", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/munify.json", "year_founded": 2025, "city": "Orlando", "country": "US", "linkedin_url": "https://www.linkedin.com/company/munifyai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.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": 1987451, "full_name": "Khalid Ashmawy", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Munify (YC S2025), building a cross-border Neobank for the Middle East and its Diaspora. Previously founded Huspy (Sequoia-backed Series B, doing $7B in transactions annually). Before that, 10 years leading engineering teams at Microsoft and Uber.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khalidashmawy/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ea27c261be1619c286a0e8568062732e04ed837.jpg" } ], "jobs": [], "news": [ { "title": "Microsoft and Uber alum raises $3M for YC-backed Munify, a neobank for the Egyptian diaspora | TechCrunch", "url": "https://techcrunch.com/2025/08/29/microsoft-and-uber-alum-raises-3m-for-yc-backed-munify-a-neobank-for-the-egyptian-diaspora/", "date": "Aug 29, 2025" } ], "launches": [] }, { "id": 30797, "name": "Veritus", "slug": "veritus", "former_names": [ "Veritus Agent" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.png", "website": "https://www.veritus.com", "all_locations": "San Francisco, CA, USA", "long_description": "Veritus is a omni-channel platform for deploying AI agents for loan servicing and collections, including inbound and outbound voice agents. Our agents negotiate repayment plans, follow up across channels, and drive recoveries with zero human involvement.\r\n\r\nBy combining cutting edge voice AI with deep regulatory compliance and vertical specialization we're able to drastically reduce the cost-to-collect while increasing recovery rates. ", "one_liner": "AI agents for the consumer lending industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1753735109, "tags": [ "Fintech", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/veritus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/veritus.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/veritus-agent/", "x_url": "https://x.com/veritusagent", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.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": 2833935, "full_name": "Joshua March", "title": "Founder/CEO", "founder_bio": "I’m the Founder & CEO of Veritus Agent, an AI agent platform the consumer lending industry. I’ve been a serial founder with multiple exits, including enterprise SaaS company Conversocial, acquired by Verint (VRNT), and I was the co-founder & CEO of a16z-backed SCiFi Foods. I’m also the author of Message Me, a book about the future of customer service in the era of AI and social media. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshuamarch/", "x_url": "https://www.x.com/joshuamarch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4dd6e8ed88496382b6a27b6ab4a143cbe1724c2.jpg" }, { "user_id": 2884935, "full_name": "David Schlesinger", "title": "Founder", "founder_bio": "Co-founder at Veritus Agent. 10+ experience in startups including Divvy Homes and Cloudflare.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/davidschles/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74d258685a8f33c0d38c8fd42106a76c0f497fdb.jpg" }, { "user_id": 2397, "full_name": "Joseph Stein", "title": "Founder", "founder_bio": "Co-founder of Veritus Agent, an AI-powered debt buyer and collections platform. 10+ years in startups, including one acquired by Fitbit → Google", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josephstein1", "x_url": "https://www.x.com/josephstein", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b6946906dd3ceffaee99102a127adcf1a2cf0cbb.jpg" } ], "jobs": [ { "id": 88326, "title": "Forward Deployed Software Engineer", "url": "https://www.ycombinator.com/companies/veritus/jobs/ikiycL5-forward-deployed-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 92571, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/veritus/jobs/pfkev5c-full-stack-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $250K", "equity_range": "0.20% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102215, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/veritus/jobs/bcAsnPw-founding-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "0.10% - 0.25%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112658, "title": "Customer Success Manager (Growth)", "url": "https://www.ycombinator.com/companies/veritus/jobs/VK812Ko-customer-success-manager-growth", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "0.05% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 92595, "title": "Veritus — AI voice agents for lenders from origination through collections", "tagline": "AI agents that help lenders improve conversion rates, decrease servicing costs, and increase recoveries", "body": "Hi YC,\n\n**We’re excited to introduce Veritus Agent,** founded by [Joshua March](https://www.linkedin.com/in/joshuamarch/), [Joey Stein](https://www.linkedin.com/in/josephstein1/), and [David Schlesinger](https://www.linkedin.com/in/davidschles/) to help lenders improve conversion rates, decrease servicing costs, and increase recoveries by deploying voice agents across their operations. \n\nJoshua is a serial entrepreneur and the former CEO of Conversocial, which became the leading platform for social media customer service before its acquisition by Verint. Joey and David are seasoned software engineering leaders who met while building core systems at Divvy Homes, the pioneering billion-dollar rent-to-own fintech.\n\n**The U.S. consumer lending market is enormous,** spanning origination, servicing, and collections. In the U.S. alone, consumer credit originations total over $4 trillion annually, while outstanding loans across all categories exceed $18 trillion. The collections segment is responsible for recovering roughly $100 billion from a pool of over $400 billion in delinquent debt. These businesses are all high-touch and highly regulated, yet they remain dominated by manual, phone-based and mail-based outreach—resulting in high operational costs, poor borrower experiences, and billions in missed revenue.\n\n**Everyone in the space is talking about voice AI, but very few are deploying it effectively.** Lenders and collections agencies today are forced to choose between generic AI platforms that lack regulatory rigor or vertical-specific vendors that offer turnkey solutions with no room for customization.\n\n**At Veritus, we’re combining decades of loan servicing experience with deep expertise in agentic workflows to deliver a scalable, configurable AI platform.** Our agents can handle both inbound and outbound conversations while maintaining full context across voice, SMS, email, and chat; they’re regulation compliant right out of the box; and they can be tuned to match a lender’s brand, tone, and negotiation policies. Most importantly, they operate with perfect consistency—24/7.\n\nWe are licensing our platform to lenders, fintechs, servicers, and collections agencies across the entire loan servicing stack; while also getting fully licensed as a collections agency in all fifty US states and buying and collection on our own charged-off consumer debt. This hybrid model gives us exposure to both high-margin software revenue and the upside of direct collections.\n\nOur agents are already live today, executing both first-party collections and loan origination workflows.\\\n\\\n**We’re now looking for new design partners—lenders, servicers, fintechs, or collections agencies—who want to increase recovery rates, reduce costs, and modernize their approach to customer contact.** \\\n\\\nIf that’s you, get in touch: [founders@veritusagent.ai](mailto:founders@veritusagent.ai)\n\n![uploaded image](/media/?type=post&id=92595&key=user_uploads/2833935/52cb8722-d224-4d08-935a-c3efa7d0722d)\n\n", "url": "https://www.ycombinator.com/launches/O5T-veritus-ai-voice-agents-for-lenders-from-origination-through-collections", "votes": 21, "created_at": "2025-07-31T07:35:20.206Z" } ] }, { "id": 30798, "name": "Ruvo", "slug": "ruvo", "former_names": [ "Cacao" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "website": "https://ruvo.com/", "all_locations": "São Paulo, SP, Brazil", "long_description": "Ruvo is a global account for receiving, holding, and moving money between USD and BRL.\r\n\r\nWe connect Pix, crypto, and Visa so you can receive USD from abroad, convert between USD and BRL in minutes, send money to the U.S., spend worldwide, and save in digital dollars with yield — all in one place.\r\n\r\nRuvo supports both personal (CPF) and business (CNPJ) accounts, with low fees, strong security, and direct Pix settlement.\r\n\r\nFormerly known as Cacao.\r\n", "one_liner": "The Global Dollar App for Brazil", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1754882271, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "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/ruvo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/ruvo.json", "year_founded": 2025, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/ruvohq", "x_url": "https://x.com/ruvopay", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cacao-1d6c", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0bbe327f0e9edadad55ed948937702df4d09a781.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1127436, "full_name": "Alec Howard", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO of Ruvo (formerly Cacao). Ex-Uber & previous Head of Marketing at Gauntlet AI (Lambda School, YC S17)", "is_active": true, "linkedin_url": "https://linkedin.com/in/alexandermhoward", "x_url": "https://x.com/alecmhoward", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/12f741689b5e2b265e87df0c2977958634555a9b.jpg" }, { "user_id": 2714901, "full_name": "Michael Mason", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO of Ruvo. Previous Co-Founder & head of Product & Engineering at Mercato.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mason-michael/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73844158feab0958a42472bee8f1e39e497389a8.jpg" } ], "jobs": [], "news": [ { "title": "O americano ex-Uber que se impressionou com o Pix no Brasil e criou uma fintech de R$ 1 bilhão | Exame", "url": "https://exame.com/negocios/o-americano-ex-uber-que-se-impressionou-com-o-pix-no-brasil-e-criou-uma-fintech-de-r-1-bilhao/", "date": "Sep 24, 2026" }, { "title": "Ruvo capta US$ 4,6 milhões para modernizar remessas entre Brasil e EUA ", "url": "https://startupi.com.br/ruvo-capta-us-46-milhoes/", "date": "Feb 02, 2026" }, { "title": "Ruvo, a fintech do ex-Uber que facilita um ‘Pix’ entre Brasil e EUA - Brazil Journal", "url": "https://braziljournal.com/ruvo-a-fintech-do-ex-uber-que-facilita-um-pix-entre-brasil-e-eua/", "date": "Jan 20, 2026" }, { "title": "Ruvo: a solução ideal para brasileiros que recebem em dólar e precisam converter para reais com rapidez, transparência e taxas mínimas. - Bitcoin Block | Notícias & Blockchain", "url": "https://bitcoinblock.com.br/2025/12/15/a-solucao-ideal-para-brasileiros-que-recebem-em-dolar/", "date": "Dec 15, 2025" }, { "title": "Inside YC's Hottest Startups - by Ollie Forsyth", "url": "https://www.neweconomies.co/p/inside-ycs-hottest-startups-of-2025", "date": "Oct 18, 2025" } ], "launches": [ { "id": 92888, "title": "Cacao - Brazilians can now receive USD & crypto instantly", "tagline": "Get paid in USD or stablecoins, spend with a Visa card, and withdraw to Pix", "body": "## **Hey everyone**\n\nWe’re Carlos, Alec, and Mike - co-founders of **Cacao.**\n\n### **TL;DR**\n\n**Cacao helps Brazilians receive USD or crypto and instantly convert to Reais (BRL), straight to Pix - all in one mobile app.**\n\n![uploaded image](/media/?type=post&id=92888&key=user_uploads/1127436/c35585c5-8ede-4cce-8a44-2b0cf1574a51)\n\nPIX is Brazil’s instant, free, 24/7 payment system created by the Central Bank.\n\nWhether you're a remote worker, freelancer, software engineer, content creator, or receiving remittances, Cacao gets your money home faster, cheaper, and with zero bureaucracy.\n\n**Try the app:**[ ](https://www.cacaofi.com/en)[https://www.cacaofi.com/](https://www.cacaofi.com/%5C)\\\n**Contact us**: [founders@cacaofi.com](mailto:founders@cacaofi.com)\\\n\\\nhttps://www.youtube.com/watch?v=gEbsfiKngvU\n\n\\\n**The Problem**\n\nMillions of Brazilians earn money from abroad - whether working for global tech companies, freelancing, creating content, teaching online, or receiving remittances from family. But moving money back to Brazil is still:\n\n* **Slow** - transfers take 1–3 business days\n* **Expensive** - with hidden FX fees and SWIFT charges\n* **Frustrating** - requiring multiple accounts, platforms, and workarounds\n\nCarlos tried to pay Brazilian engineers from the US and saw firsthand how broken it is. Fintechs keep building on top of SWIFT. But **SWIFT is the problem**. Cacao replaces it with faster, cheaper rails: stablecoins + Pix.\\\n\\\n**Our Solution**\n\n---\n\nCacao is the best app for Brazilians who are receiving income from abroad.\n\nBuilt with speed, transparency, and flexibility in mind:\n\n* **Receive USD or USDT** via ACH, Wire, RTP, or crypto\n* **Store securely** in a stablecoin (USDT) wallet\n* **Withdraw instantly** to Reais (BRL) via Pix - 24/7, 365 days\n* **Spend in USD** globally with a Visa Platinum card (Apple & Google Pay)\n* **Send and receive crypto** wallet-to-wallet (crypto ↔ crypto is free)\n* **Load your wallet with Pix** - BRL → USDT directly\n* **Track everything** in one intuitive mobile app, with local support in Portuguese\n\n**Pricing:**\n\n* 0.9% on USD deposits\n* 0.9% on Pix withdrawals\n* 1% on card usage\n* **Free crypto ↔ crypto transfers**\n* **Live FX rates** that beat the mid-market rate by 1-2%\n\n**Who It’s For**\n\nCacao is built for Brazilians who get paid from abroad:\n\n* **Freelancers** - devs, designers, PMs, translators, consultants.\n* **Creators** - YouTubers, Kick & Twitch streamers, influencers.\n* **Remote workers** - employed by global companies\n* **Remittance recipients** - family sending money home\n* **Educators** - Udemy, Coursera instructors\n* **Platform earners** - Upwork, Deel, Fiverr, Remote, Ontop, Workana\n* **Foreigners in Brazil** - US tourists and expats using Pix to pay and get paid\n\nGet paid from anywhere. Avoid high fees. Access your money on your terms.\\\n\\\n**Our Ask**\n\nIf you answer “yes” to any of these, we’d love your help:\n\n1. **Do you pay Brazilian freelancers or employees?** \\\n We make receiving income abroad instant and affordable.\n2. **Run a global platform (payroll, freelance, creator)?**\\\n Let’s partner.\n3. **Know Brazilians who earn from abroad or use crypto?**\\\n Share Cacao with them.\n4. **Want to try it yourself or give feedback?**\\\n Download:[ https://www.cacaofi.com/en](https://www.cacaofi.com/en)\n\n📩 [founders@cacaofi.com](mailto:founders@cacaofi.com)\n\nObrigado - let’s make Pix global 🇧🇷💸\n\n![uploaded image](/media/?type=post&id=92888&key=user_uploads/1127436/fb386a2c-9bf5-46ba-9ca5-39d1ed47cd7c)\n\n", "url": "https://www.ycombinator.com/launches/OAC-cacao-brazilians-can-now-receive-usd-crypto-instantly", "votes": 61, "created_at": "2025-08-15T22:24:23.856Z" } ] }, { "id": 30802, "name": "Freya", "slug": "freya", "former_names": [ "CourseShark" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd359a60dfecfce9e7a798a4a228f08f05943dcb.png", "website": "https://freyavoice.ai/", "all_locations": "Istanbul, Istanbul, Turkey", "long_description": "", "one_liner": "Voice AI for Enterprises", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1754641408, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Turkey", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/freya", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/freya.json", "year_founded": 2025, "city": "Istanbul", "country": "TR", "linkedin_url": "https://www.linkedin.com/company/freyavoice/", "x_url": "https://x.com/freyavoice", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd359a60dfecfce9e7a798a4a228f08f05943dcb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1772708, "full_name": "Tunga Bayrak", "title": "Founder/CEO", "founder_bio": "CEO and Co-founder of Freya. Previously, he built VLMs for geometric reasoning and worked on Audio Transformers as an AI research engineer. As a Math Olympian, ranked 1st among 250,000 students at the Urfodu Math Olympiad and later 203rd Turkey’s national exams out of 3.5M+. At 16, he wrote his first paper on Quantum Machine Learning. Before dropping out of UPenn, he was a Teaching Assistant in the Engineering School and part of an AI Research team at Penn. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tunga-bayrak/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5988e3dbc514a9cf4555dbc17245e81f1a7499e7.jpg" } ], "jobs": [ { "id": 93460, "title": "DevOps Enginer", "url": "https://www.ycombinator.com/companies/freya/jobs/bSSekLA-devops-enginer", "location": "Istanbul, İstanbul, TR / Remote (TR)", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$50K - $70K", "equity_range": "100.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 116174, "title": "Forward Deployed Engineer (2 openings)", "url": "https://www.ycombinator.com/companies/freya/jobs/crW5Fe8-forward-deployed-engineer-2-openings", "location": "Istanbul, İstanbul, TR", "type": "Full-time", "role": "Engineering", "role_type": "AI engineer", "salary_range": "$50K - $100K", "equity_range": "100.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 92841, "title": "Freya: Voice AI Agents For Financial Services", "tagline": "We Improve CX And Operations Through Human-like And Secure Voice Agents ", "body": "**TL;DR:**\n\nAt Freya, we’re building human-like Voice AI agents for banks, mortgage lenders, fintechs, and insurers. We integrate directly into existing workflows, handle dozens of languages and local dialects, and follow compliance policies by ingesting and reasoning over internal policy manuals, regulatory documents, and industry guidelines.\n\nhttps://youtu.be/uO0D6RtJzoE\n\n**Result**: 0 wait time that prevents revenue loss, more than 50% lower costs than traditional call centers, and Voice AI that customers actually want to talk to, all with secure data handling, transcripts, and analytics.\n\n**The Problem:**\n\n* Human customer service agents are expensive. BFSI (Banking, financial services, insurance) firms spend billions staffing live phone support; 60% of CX budgets are still spent hiring and training human agents..\n* Churn & wait times. 40% of callers bail after 60 seconds on hold. Each extra minute in insurance claims or debt collection flows drives churn or lost recovery.\n* One-size-fits-none bots frustrate users: Most generic AI tools can’t reason over policies or edge cases, and fall apart when users deviate from the script.\n\n**Our Solution:**\n\n1. Instant 24/7 support customized to workflows: Freya removes hold times by operating around the clock and tailoring responses to your processes so customer issues are resolved without delay.\n2. Human-like Voice AI with seamless integration: Freya connects directly into CRMs, ticketing platforms, knowledge bases, policy databases, and other back-end support systems. This allows it to securely retrieve live data such as account status or policy details, update records in real time, trigger workflows, and send follow-up emails or documents automatically\n3. Voice AI with built-in compliance: Freya ingests and understands firm-specific policy documents, regulatory guidelines and operational procedures to ensure every interaction meets required rules, with all calls logged and auditable.\n\n**Our Team**\n\nWe were roommates at UPenn and started Freya as our second startup together. Before Freya, [Tunga](https://www.linkedin.com/in/tunga-bayrak/) worked as an AI engineer while [Tomas](https://www.linkedin.com/in/tomas-nepala/) worked within financial services, including in the second biggest insurance broker in the world, and we both experienced how customer support teams struggle with large volumes of calls and with providing the outcomes customers really need. We’re building Freya to solve this.\n\n![uploaded image](/media/?type=post&id=92841&key=user_uploads/1373730/c8f614db-a31a-4fb0-84c5-5dca537f4197)\n\n**Who Should Talk To Us:**\n\nHeads of CX, operations, collections or claims in financial services and retail that rely on traditional call centers.\n\nYou can reach us at [founders@freyavoice.ai](https://founders@freyavoice.ai)", "url": "https://www.ycombinator.com/launches/O9R-freya-voice-ai-agents-for-financial-services", "votes": 26, "created_at": "2025-08-08T19:46:34.998Z" } ] }, { "id": 30860, "name": "Alt-X", "slug": "alt-x", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/949208e95883f37f6c02c5daa9417bb2876ac66f.png", "website": "https://alt-x.co", "all_locations": "Los Angeles, CA, USA", "long_description": "Alt-X is building the AI-native liquidity layer for private markets.\r\n\r\nPrivate markets have created trillions of dollars in value, yet remain fragmented, illiquid, and inaccessible. While public markets benefit from exchanges, market makers, brokerages, and data infrastructure, private markets still rely on brokers, spreadsheets, and manual workflows to connect buyers and sellers.\r\n\r\nAlt-X uses AI to automate the core functions required to make private assets liquid. We streamline diligence, valuation, investor matching, and transaction execution, reducing the friction that makes private-market transactions slow, expensive, and opaque today.\r\n\r\nOur initial focus is venture-backed secondaries. We source opportunities from founders, employees, and early investors while building a network of accredited investors seeking exposure to the world's most valuable private companies. Over time, we believe every private asset—from startup equity to private credit and alternative investments—will require modern liquidity infrastructure.\r\n\r\nBuilding trusted infrastructure for private markets is difficult. Transactions involve complex diligence, fragmented information, transfer restrictions, and significant compliance requirements. Alt-X is focused on creating systems that can support real transactions at scale, not just marketplace listings.\r\n\r\nRyan Samadi (Stanford CS/AI, former Citadel commodities trader) and Michael Wachsman (Cornell CS, infrastructure engineer) are building Alt-X because they believe ownership of innovation should be more liquid, transparent, and accessible. Today, Alt-X has sourced over $1.5 million in transaction opportunities and assembled a network of 40 accredited investors representing hundreds of millions of dollars in investable assets.\r\n\r\nOur mission is to democratize ownership of innovation by building the financial infrastructure that private markets have never had.", "one_liner": "Building the best venue for private markets exposure.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1761174591, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "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/alt-x", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/alt-x.json", "year_founded": 2025, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/alt-x-financial", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/949208e95883f37f6c02c5daa9417bb2876ac66f.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": 414472, "full_name": "Ryan Samadi", "title": "Founder/CEO", "founder_bio": "Ryan Samadi is the Co-Founder and CEO of Alt-X, building AI infrastructure for financial services. Before Alt-X, he worked at Citadel’s commodities fund. Ryan also studied Computer Science at Stanford, focusing on AI, where he also led a hedge-fund investing program. He founded Alt-X after seeing how even the most sophisticated investors still rely on Excel and manual analysis—and is now building the platform that will replace it.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ryan-samadi/", "x_url": "https://x.com/SamadiRyan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/871ea125b605eb88c2806f39b0b627cc6c8fc0ed.jpg" }, { "user_id": 2277575, "full_name": "Michael Wachsman", "title": "Founder/CTO", "founder_bio": "I am Co-Founder and CTO at Alt-X, where I lead engineering and architecture to build AI infrastructure for private-market investing. I joined because I saw how much manual analysis and fragmented deal data slow down investment teams, and now I’m focused on rethinking how this industry works from the ground up.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michael-wachsman-a0912a1ab/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b47570bfe621ada65f1d27cb57e90e83f9d383cf.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98902, "title": "Alt-X: AI Agents for Real Estate Underwriting & Financial Modeling", "tagline": "Alt-X is the AI agent that turns a 200-page offering memorandum into a fully built, fully auditable institutional underwriting model in Excel — in seconds.", "body": "Hey\n\nWe're [Ryan](https://www.linkedin.com/in/ryan-samadi/) and [Michael](https://www.linkedin.com/in/michael-wachsman-a0912a1ab/), and we're building Alt-X.\n\n**TL;DR**\n\n**Download our Excel plugin from [alt-x.co](http://alt-x.co) or contact us at [ryan@alt-x.co](mailto:ryan@alt-x.co)**\n\n Alt-X is the first AI Excel agent built specifically for real estate underwriting. Drop in an offering memorandum and get a fully built, fully auditable financial model in seconds, directly in Excel.\n\nWe've lived the pain of financial modeling firsthand through years of late night modeling sessions, and built Alt-X to change it.\n\n**Ask:** Our product is live and we’re looking for real estate investors, underwriters, and acquisitions analysts to try it on real deals. \n\n**Download our Excel plugin from [alt-x.co](http://alt-x.co) or contact us at [ryan@alt-x.co](mailto:ryan@alt-x.co)**\n\n\n\n**Why we built it**\n\nRyan spent years in the hedge fund world and institutional finance watching the same thing happen on every deal: a 200-page offering memorandum lands, IC is in 48 hours, and someone is manually pulling numbers cell by cell into Excel building capital stacks, sizing debt, modeling cash flows, building waterfalls from scratch.\n\nThe biggest firms built proprietary infrastructure to solve this. Everyone else is still doing it by hand.\n\n**What Alt-X does**\n\n\n\nAlt-X lives in Excel. Drop in your OM and it automatically builds your full underwriting model: sources and uses, senior debt sized to LTV and DSCR constraints, ten-year operating cash flows, exit cap sensitivity, full GP/LP waterfall with promote tiers.\n\nEvery number is cited back to the exact page and line of the source document. Every change needs your approval before it's applied. Not blind AI. Not manual modeling. Build fast and verify everything.\n\n**Team**\n\nRyan studied CS at Stanford, worked at Citadel and previously was founding engineer of a $XXMM+ commodities startup. Michael published novel ML research at Cornell and built state-of-the-art AI security systems. Together, they've lived the pain of financial modeling and have the technical depth to fix it.\n\n![uploaded image](/media/?type=post&id=98902&key=user_uploads/414472/32a9e60f-be41-46a1-a322-d04923ac4733)\n\n**Ask**\n\nWe'd love warm intros to real estate investment firms, acquisitions teams, and asset managers. If you work in real estate finance or know someone who does, please reach out.\n\nDownload the plugin and try it on your next deal at [alt-x.co](http://alt-x.co) or email us at [ryan@alt-x.co](mailto:ryan@alt-x.co)", "url": "https://www.ycombinator.com/launches/PjC-alt-x-ai-agents-for-real-estate-underwriting-financial-modeling", "votes": 63, "created_at": "2026-03-18T16:35:29.764Z" } ] }, { "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": 30924, "name": "Casey", "slug": "casey", "former_names": [ "Clausee" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa8267b34eb44ac708090ff04ca6eeef01fa75d3.png", "website": "https://caseyinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Casey is an AI-native commercial insurance brokerage. Our insurance brokers focus on client relationships and closing business, whilst our AI handles all the operational work behind the scenes.\r\n\r\n", "one_liner": "Casey is an AI-native commercial insurance brokerage", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1759942019, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/casey", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/casey.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/casey-labs/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa8267b34eb44ac708090ff04ca6eeef01fa75d3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2628780, "full_name": "Maximilian Thoelen", "title": "Founder", "founder_bio": "Co-Founder @ Casey. Previously Chief of Staff at grape insurance, Switzerland’s leading insurtech scaleup. Ex-Amazon & private equity.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maximilian-thoelen/", "x_url": "https://x.com/MaxThoelen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab6f4f68e4c4219d2c0cce3126c10272f68ea3c8.jpg" }, { "user_id": 3005184, "full_name": "Nico Hänggi", "title": "Founder", "founder_bio": "Co-Founder @ Casey. Previously tech lead at grape insurance, Switzerland’s leading insurtech scaleup. Background in CS from ETH Zurich.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicohaenggi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8051c94f33a8c0146c7e9d24393428fe2cd13553.jpg" }, { "user_id": 668452, "full_name": "Pascal Küng", "title": "Founder", "founder_bio": "Co-Founder @ Casey. Previously VP of Engineering at grape insurance, Switzerland’s leading insurtech scaleup. Computer Science at ETH Zurich.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pascalkueng/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/10cd27424abb42336558672b61e68bbe0083ce68.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 94777, "title": "Casey: The infrastructure layer for insurance distribution", "tagline": "Helping commercial insurance brokers submit complex risks to insurance carriers", "body": "**Casey automates the core submission infrastructure of commercial insurance**\n\n**TL;DR:** Commercial insurance is a $500B market - and the infrastructure behind it is still manual. Commercial brokers dealing with complex risks spend half their day not advising clients, but retyping the same data across PDFs, portals, and carrier forms. That manual submission workflow is the single largest bottleneck in insurance distribution, and nobody has successfully automated it for complex risks.\n\nThat’s where Casey comes in.\n\n### **What Casey does**\n\n* Ingests client + risk data directly from broker systems\n* Auto-fills carrier applications & required supplemental forms in one click\n* Handles carrier follow-up questions, automatically matching these to existing data\n* If new info is required, generates the request and sends it to the client\n* Once complete, sends the full submission package to any carrier\n\n**The user uploads the documents needed for submission, and our system creates a custom risk profile based on the required data:**\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/565403c8-e7e8-46c2-bdeb-fd134aee604d)\n\n**The custom risk data is generated, the user uploads SOVs which they received from the client, and the custom risk data is populated:**\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/fe84393a-fb93-4839-ac5e-606b0faa6723)\n\n**The required forms for the submission are completed with the required risk data:**\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/394e0e97-7e12-4e43-ba01-1e47d5b08835)\n\n### **Why it matters**\n\nThe first wave of insurtech largely focussed on automating smaller, simpler risks. Casey is built for the complex, high-premium business that actually drives revenue. This automation infrastructure enables clients to receive policies in a matter of days, compared to what now takes >1 month.\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/e88a0a3b-c509-49bf-bb85-cad41a44e0c2)\n\n### **Our Story**\n\nWe’re [Max](https://www.linkedin.com/in/maximilian-thoelen/), [Nico](https://www.linkedin.com/in/nicohaenggi/) & [Pascal](https://www.linkedin.com/in/pascalkueng/) (left to right)\n\nWe previously built & scaled **Switzerland’s leading insurtech**, grape, as:\n\n* **Employee #1** - Head of Engineering (Pascal)\n* **Employee #2** - Tech Lead (Nico)\n* **Employee #10** - Chief of Staff (Max)\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/9ad070fa-d6b6-41b8-a322-32f7353424a1)\n\n### **Our Ask**\n\nFurther intros to insurance brokerages who want to stop wasting time on manually filling out forms and pdfs, but instead want to focus on their clients.\n\n💻  Book a [demo](https://meetcasey.ai/)\n\n🌐 Follow Casey on [LinkedIn](https://www.linkedin.com/company/casey-labs/)", "url": "https://www.ycombinator.com/launches/Oef-casey-the-infrastructure-layer-for-insurance-distribution", "votes": 308, "created_at": "2025-10-20T17:10:45.372Z" } ] }, { "id": 30964, "name": "Sava", "slug": "savahq", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adc8f9d4d6337ea663afc0947984b8597189cd0a.png", "website": "https://www.savahq.com", "all_locations": "New York City, NY, USA", "long_description": "If you are a trusts & estates attorney, RIA, fintech, or family office interested in Sava, reach us at founders@savahq.com", "one_liner": "Building the future of trusts", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1762196127, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech" ], "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/savahq", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/savahq.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/savatrust/", "x_url": "https://x.com/savatrust", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/adc8f9d4d6337ea663afc0947984b8597189cd0a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 29272, "full_name": "Nimit Maru", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO at Sava (YC F25) - The Agentic Trust Company\nCo-founder & CEO at Fullstack Academy (YC S12, Acquired).\nCo-founder at Bloomspot ($46M raised, Acquired by JPM/Chase)\nCo-Founder Yahoo! MapMixer\nSr. Software Engineer Yahoo Maps/Travel\n\nEnjoy racket sports, guitar, history and Illinois college sports.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nimit/", "x_url": "http://x.com/nimit", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dc13e17b61c37566f3aef18f8d57e22dd211841d.jpg" }, { "user_id": 167048, "full_name": "Rush Sadiwala", "title": "Founder/COO", "founder_bio": "Co-Founder & COO @ Sava\n\nPreviously Founder @ Framework.so (online creator platform backed by Kevin Rose). Scaled platform to over 3 million end users and generated over $10M in sales for customers such as Ryan Holiday and Columbia University. \n\nBuilt Zolt, a news summarizer app featured by the App Store, nominated for a Webby and featured in TechCrunch: https://techcrunch.com/2016/05/26/zolt-news-in-60-words/\n\nI spent the first five years of my career on the buy side in investment management.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rushabh-sadiwala/", "x_url": "https://x.com/updating_priors", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b08ef95fe7188704f81188631c2f89ce030d0ff5.jpg" } ], "jobs": [ { "id": 88517, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/savahq/jobs/74xutqF-founding-engineer", "location": "New York City, NY", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "0.50% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Go", "PostgreSQL", "React", "TypeScript", "Next.js" ] }, { "id": 116207, "title": "Founding Product Manager", "url": "https://www.ycombinator.com/companies/savahq/jobs/mFu7om9-founding-product-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$150K - $250K", "equity_range": "0.10% - 1.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 95136, "title": "Sava", "tagline": "Building the future of trusts", "body": "If you are a trusts & estates attorney, RIA, fintech, or family office interested in Sava, reach us at [founders@savahq.com](mailto:founders@savahq.com)", "url": "https://www.ycombinator.com/launches/OkS-sava", "votes": 146, "created_at": "2025-11-03T20:10:34.020Z" } ] }, { "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": 30992, "name": "Amera", "slug": "amera", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/07c1dd923ce928d5a06d772f09a234366daa3513.png", "website": "https://amerahealthsolutions.com/", "all_locations": "New York City, NY, USA", "long_description": "Amera automates claims processing for health insurance payers. We turn messy claim inputs (PDFs, bills, receipts, EDI and non-standard submissions) into structured data that plugs into existing systems. This cuts manual entry and exception handling, speeding up operations and reducing cost.\r\n\r\nWe are already working with payers / plan administrators representing ~100k members, giving them access to more affordable care options.", "one_liner": "Automating claims processing workflows for health insurance payers.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1762373612, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/amera", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/amera.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/amerahealthsolutions", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/07c1dd923ce928d5a06d772f09a234366daa3513.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2218f6504fbb0a874bfbfd62ac4a5feb2973f75a.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2745859, "full_name": "Deep Kapur", "title": "Founder/CEO", "founder_bio": "Building infrastructure to make health plans more cost-effective. Background in distributed systems, cloud infra, and healthtech. Previously product lead for market expansion at Rupa Health.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/deepkkapur/", "x_url": "https://x.com/deepkkapur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aaae77fd43441ccb1d6b1bba7732cc1c69373886.jpg" }, { "user_id": 273206, "full_name": "Louise Tanski", "title": "Founder", "founder_bio": "Cofounder of Amera. \n\nBuilt my first company, an analytics platform for eCommerce brands, in college and sold it to Moonshot Brands. Led core product at Rupa Health. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/louise-tanski/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/80531531cf060a8be3a9604a6b560bbe2ca275aa.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95250, "title": "Amera - Automating health insurance claims processing", "tagline": "Amera automates claims processing workflows for health insurance payers, cutting manual work and reducing cost.", "body": "Hey everyone, we’re [Deep](https://www.linkedin.com/in/deepkkapur/) and [Louise](https://www.linkedin.com/in/louise-tanski/), co-founders of [Amera](https://amerahealthsolutions.com/).\n\n**TL;DR:** Amera automates claims processing workflows for health insurance payers: \n\n* Reducing plan admin costs by 20-30%\n* Processing claims in minutes vs weeks\n* Providing members with clarity and confidence in what’s covered and what they owe\n\nWe are already working with payers representing tens of thousands of members, giving them access to more affordable and transparent care options.\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/a9f8a106-37a8-4025-84d7-96858702f15d)\n\nhttps://youtu.be/iSqBPqwWwAA\n\n**Healthcare in the US costs way more than it should.**\n\nHealth insurance costs are rising twice as fast as inflation. American families now pay over $30,000 a year for coverage they’re unhappy with. 160 million Americans get insurance through their employer, and to control these costs, many large companies (>250 employees) [self-insure](https://www.healthcare.gov/glossary/self-insured-plan/) - they pay employees' medical claims directly instead of buying traditional insurance from carriers like UnitedHealth or Cigna. But the infrastructure powering these plans is decades old - some core systems still run on COBOL. This legacy stack makes operations manual and expensive, blocking adoption of affordable plan designs or AI-driven automation that could lower costs.\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/82de5250-de61-4b34-9ab4-f0d48503615e)\n\n**Amera is building the modern system-of-record for health insurance administration.** \n\nAmera converts messy claims data from any source into structured data that existing systems can use. From there, we automate repetitive back-office work - validation, reconciliation, and stop-loss reporting - cutting manual effort from hours to seconds and making the processes transparent for the first time.\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/2670349e-9739-426a-b8d2-1c6986a6edfc)\n\nWhy is this hard? Health insurance tech has loose standards. Every plan runs on bespoke systems that cannot talk to each other. Claims arrive in hundreds of formats - EDI, PDFs, fax, proprietary systems - making automation nearly impossible without a unified data layer.\n\nWe’ve built the most comprehensive set of schemas for healthcare docs, designed to map to hundreds of custom formats and be fully interoperable. This makes it easy for us to layer new automation on top of existing systems. \n\n**Team**\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/d1d0a543-8c24-4992-a152-a943133917c6)\n\nWe both went to Penn and later worked together at Rupa Health, where we saw firsthand how outdated health insurance infrastructure makes it nearly impossible to deliver affordable, flexible coverage. \n\nWe’re second time founders that have built and exited companies in workflow automation and healthtech, and spent months working with payers and plan administrators before starting Amera to rebuild the foundation healthcare runs on.\n\n**Our ask**\n\nConnect us with decision-makers in the self-insured ecosystem - especially TPAs, stop-loss carriers, or benefits advisors.", "url": "https://www.ycombinator.com/launches/OmI-amera-automating-health-insurance-claims-processing", "votes": 30, "created_at": "2025-11-06T17:03:24.976Z" } ] }, { "id": 31077, "name": "Panta", "slug": "panta", "former_names": [ "Panta Insure" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dff0894649ff29064b020845633a9ebb22c2e9de.png", "website": "https://pantainsure.com", "all_locations": "San Francisco, CA, USA", "long_description": "Panta is a technology-enabled commercial insurance brokerage: we combine AI-powered internal workflows with licensed brokers to help businesses secure complex coverage faster than anyone in the world. ", "one_liner": "AI Native Commercial Insurance Brokerage ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1766956081, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/panta", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/panta.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pantainsure/", "x_url": "", "fb_url": null, "cb_url": "Panta", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dff0894649ff29064b020845633a9ebb22c2e9de.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": 1041197, "full_name": "Vincent Chen", "title": "Founder/CEO", "founder_bio": "Founder @ Panta (W26). Building a commercial insurance brokerage run by AI agents.\n\nPreviously, I spent three years at Google building deep learning models and deploying agentic AI systems to billions of users (NotebookLM, Google Photos). I also built large-scale recommendation systems used by Fortune 500 companies like Disney.", "is_active": true, "linkedin_url": "https://linkedin.com/in/zihong-chen", "x_url": "https://x.com/dsdvincent", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eaf15d4bb0b4e89f5c09ba4544c32853afb14bd2.jpg" }, { "user_id": 2747620, "full_name": "Frank Wang", "title": "Founder/CTO", "founder_bio": "Founder at Panta (W26), building a commercial insurance brokerage powered by AI agents. Previously, he worked as a full-stack engineering contractor supporting Apple, where he built generative-AI and real-time systems. He contributes to the Gleam programming language and Rust's cargo-semver-checks, and earned an M.S. in Financial Engineering from UIUC with a 3.94 GPA and the Dr. Z. Ju Scholarship.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jiangdawang/", "x_url": "https://x.com/lifetime0x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3e87c5b75826f532fa0172326fc8a3b277fd2a9.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98174, "title": "Panta: AI-native commercial insurance brokerage", "tagline": "OpenClaw-style AI operators on a rack of Mac Minis doing the work of thousands of brokers.", "body": "## TL;DR\n\nPanta(Pantainsure.com) is an AI-native commercial insurance brokerage. Our AI operators run on a rack of Mac Minis — working with real file systems, logging into portals, writing forms, negotiating with underwriters, making calls — doing the exact same work a human broker does, across thousands of clients at once. We've been in production since December.\n\n\n\n## The Problem\n\nNot every business can buy insurance off the shelf. Standard insurers simply won't touch a trucking fleet, a nightclub, or a nursing home. These businesses need a broker to find specialty carriers willing to write the policy, negotiate the terms, and get it bound. This hard-to-place segment, known as the Excess & Surplus (E&S) market, accounts for $125B in premium every year.\n\nGetting one of these businesses insured takes \\~50 steps over two weeks. The broker's actual judgment matters for maybe 5% of the process. The other 95% is pure coordination—noticing what's next, executing it, and remembering where every file stands across email, phone, text, and PDF.\n\nBecause the entire workflow relies on human memory, every broker hits a hard ceiling at around 400 clients. It's not a lack of skill—it's simply impossible for one human brain to track the real-time state of 400 complex placements across emails, carrier portals, and PDFs.\n\n## Why We Go Full-Stack Instead of Selling Software\n\nEvery AI insurtech today focuses on making **one step** out of those **50** faster: better form fill, better quote analysis, better email drafts. But there are **no software margins in making a human 10% faster**. A broker who saves 10 hours a week goes from 400 clients to maybe 440 max.\n\nThe bottleneck isn't the speed of any single step—it's the single human brain holding the entire state of the placement together. So what does it take to go from **400** to **4,000** clients? This is the key: you can't build your way out of a coordination bottleneck with better software tools. To scale 10x, the **entire human coordination layer has to go**.\n\nWe spent months selling AI tools to brokers before realizing this. So, we stopped selling software and became the broker.\n\n## What We Built\n\nPanta is a licensed brokerage where the operations layer is entirely automated. Because of the complexity of brokerage workflow, **we built an internal OpenClaw agent way before it went viral out of necessity**. Our agents operate inside the exact same systems a human broker uses: file systems, carrier portals, email, phone, and PDFs.\n\n* **Submissions:** Read transcripts, emails, loss runs. Fill ACORDs and market-specific apps. Submit to the right carriers. Track every requirement.\n* **Follow-ups:** Chase underwriter responses. Answer questions. Keep every file moving until quotes are bindable.\n* **Service:** Issue COIs, handle endorsements. Same-day turnaround.\n* **Renewals:** Rebuild the risk file. Re-shop early. Surface tradeoffs before the last week.\n\nEverything is licensed, regulated, and audited. We have **human approval** gates on high-stakes actions and maintain full audit logs.\n\n**Example:** An armed security company guarding a 100,000-person stadium came to us after being rejected by six brokers over the course of a month. No one would touch it. Our agents had bindable quotes in three days with 60 emails.\n\n## The Team\n\n![uploaded image](/media/?type=post&id=98174&key=user_uploads/1041197/06096fb3-5d3d-420e-ba2c-048f0ba254ab)\n\nWe're both licensed commercial insurance brokers. Together we've placed explosives manufacturers, hazardous gas facilities, roofers, steel mills, and hazmat trucking. One placement alone meant 70 pages of forms, 100+ emails across carriers and underwriters, and weeks of back-and-forth — we've done this hundreds of times by hand. Everything Panta automates is a workflow we've personally executed.\n\n**Vincent (CEO)** — Previously AI/ML at Google: led a team of MIT/Berkeley PhDs building Vertex AI's foundational recommendation model, led NotebookLM Enterprise, shipped Ask Photos at Google I/O.\n\n**Frank (CTO)** — Previously Apple senior engineer. Built their Gen-AI chatbot and Rust infrastructure powering 1M+ realtime messages/month. Top-10 contributor to the Rust and Gleam ecosystems.\n\nWe've been close friends since high school. Living, building, and shipping together in San Francisco for the past year, seven days a week.\n\n## The Ask\n\n* **Hard-to-place risk?** Business rejected by standard markets? Broker went dark mid-renewal? We place risks in construction, trucking, oil & gas, hospitality, and manufacturing.\n* **Know a swamped broker?** Know a broker drowning in renewals? We're onboarding partners to handle their servicing/renewal.\n* Connect us: [vincent@pantainsure.com](mailto:vincent@pantainsure.com)", "url": "https://www.ycombinator.com/launches/PXS-panta-ai-native-commercial-insurance-brokerage", "votes": 102, "created_at": "2026-02-26T01:04:24.841Z" } ] }, { "id": 31083, "name": "Kita", "slug": "kita", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "website": "https://www.kita.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. \r\n\r\nKita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions.\r\n\r\nUnder the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system.\r\n\r\nWe’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.", "one_liner": "Underwrite borrowers around the world in minutes", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767738733, "tags": [ "Fintech", "Computer Vision", "Lending", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kita", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/kita.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kitafi/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/81/1774380993-db0dbd44c2140f7bda4ffe83a4e00da4/e196deff5409ad3bcec6d1491f2ca310.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022732Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=8c33ac15b728e7fabaeb0ef7b95f2ed0abf0a9af632563f8172cbb9433860c19", "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 2926213, "full_name": "Carmel Limcaoco", "title": "Founder/CEO", "founder_bio": "Carmel is the co-founder and CEO of Kita.\n\nShe is from Manila and studied Symbolic Systems & Music at Stanford. Prior to Kita, she was completing her Master’s in Computer Science. She spent three summers in audio and music product at Apple, where she was one of few interns to ever ship a feature in iOS.\n\nShe was awarded by the United Nations at 16, launched the first Product Fellowship in the Philippines, and co-founded DAHA in 2022, where she took Stanford’s first marketplace from 0 to 1.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carmellimcaoco/", "x_url": "https://x.com/carmelkita", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f01d97aa2ddb42ff43b3ff920557ed3e357c93a.jpg" }, { "user_id": 933442, "full_name": "Rhea Malhotra", "title": "Founder/CTO", "founder_bio": "Rhea is the co-founder and CTO of Kita.\n\nRhea completed her bachelor’s and master’s degrees in Computer Science at Stanford, and was an incoming PhD in Computer Vision and Robotics at Princeton. \n\nShe received the Firestone Medal, the sole highest honor of the Stanford CS Department, for her research in 2025.\n\nRhea joined her first research lab at age 13, worked on the COVID-19 vaccine at Pfizer at 17, and has since authored 7 papers recognized and awarded internationally.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rhea-malhotra-198744142", "x_url": "https://x.com/_rheamalhotra_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/41cd921951ca9a07459a11145a54b179b7e9353f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97013, "title": "Kita: Turn financial documents into risk signals for lenders", "tagline": "Make document-driven decisions 70x faster, with built-in fraud checks", "body": "Hi YC! We’re Carmel Limcaoco and Rhea Malhotra, the co-founders of Kita. We met over our gap year during COVID while we were undergrads at Stanford, and have been best friends ever since. Carmel is from Manila, is a past founder, and worked in computational music and audio at Apple. Rhea has a background in computer vision & robotics and was awarded the highest honor in Stanford Computer Science. We were both completing our Master’s in CS at Stanford when we chose to build Kita full time. \n\n**TLDR:** We turn messy borrower documents into the data layer that powers lending in emerging and undertapped domestic markets.\\\n\\\n[Kita (YC W26) Launch Video](https://www.youtube.com/watch?v=_z9lR5p9NMg)\n\n**The problem**\n\nIn emerging markets like the Philippines, where there are no banking APIs, a borrower’s financial history is locked in noisy documents: bank statements, payslips, utility bills, and more. For lenders, accessing and validating a borrower’s data is nearly impossible.\n\nToday, lenders either review these documents manually or rely on legacy OCR. Manual review is slow and expensive, while OCR breaks on real-world inputs and still requires human verification. This slows loan decisioning, raises costs, and caps lending volume.\n\n**What is Kita?**\n\nKita uses vision-language models to outperform traditional OCR, turning noisy borrower documents into fraud-checked, decision-ready signals for underwriting models. We are built specifically for emerging and undertapped markets, hyperlocalized around the signals that actually drive underwriting outcomes in places like the Philippines, Indonesia, Mexico, and beyond.\n\nOver time, Kita links historical repayment outcomes to document-level signals, becoming a custom learning engine trained on a lender’s own data and decisions.\n\nWe’re starting in Southeast Asia with plans to expand to other emerging markets. We’re also exploring underserved segments in more developed markets, like parts of the U.S. where borrowers still rely on documents.\n\n**Our ask**\n\n* **Intros:** We’d love introductions to lenders or fintechs operating in lending or credit, in emerging markets or in the U.S.\n* **Founder wisdom:** If you’ve built or scaled lending, underwriting, or risk infrastructure, we’d love to learn from you and compare notes.\n* **Operators in financial services:** If you work with document-heavy workflows, we’d love to understand the problems with turning documents into usable data.\n\n![uploaded image](/media/?type=post&id=97013&key=user_uploads/2926213/83392dd0-d24f-4c82-b04a-61c6649bcaeb)\n\n", "url": "https://www.ycombinator.com/launches/PEj-kita-turn-financial-documents-into-risk-signals-for-lenders", "votes": 23, "created_at": "2026-01-23T20:12:27.746Z" } ] }, { "id": 31092, "name": "Axis", "slug": "axis-2", "former_names": [ "Sweep" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/df40cb588620cffc3ef3422877d0ebdcddbe4434.png", "website": "https://axisanalysis.com", "all_locations": "New York City, NY, USA", "long_description": "Axis is building an AI Native Trading System, allowing a trader to deploy models that monitor and analyze relevant markets and strategies. We've chosen commodities as our first market.\r\nCommodities make up a third of global goods exports, and physical commodities traders decide the movement and storage of metals, agricultural products, and energy across the globe. They trade in public markets and bilateral OTC agreements. Engaging in these markets is complexing, covering derivatives positioning, refinery data, storage inventory, import/exports, geopolitical events and more. Axis is building an AI driven analytical layer for these markets.\r\n", "one_liner": "An AI Copilot for Trading Desks", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1769120993, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "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/axis-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/axis-2.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axiscommodities", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/df40cb588620cffc3ef3422877d0ebdcddbe4434.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 2295102, "full_name": "Eric Zhu", "title": "Founder", "founder_bio": "Math @ UChicago.\nPrevious Quantitative Trader", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eric-zhu-774a4918b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e9530356146de5ad2f5db39d296b2d52a3a87a3.jpg" }, { "user_id": 2981026, "full_name": "Ian Wang", "title": "Founder", "founder_bio": "Yale '25\nInterested in anything trading", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ian-wang-m1n1", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eaf889b136a3763838336a7a2bdaa0066394551b.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98240, "title": "Axis: An AI System for Institutional Trading Desks", "tagline": "Deployable Models for Market Analysis", "body": "We’re launching Axis: An AI-Native Trading System. We’re starting with Commodities Markets.\\\n\\\n\\*\\*About Us:\\*\\*\\\nWe both worked in quantitative trading across multiple firms. We learned a lot. It’s showed us how varied “trading” can be and how markets are best approached.\\\n\\\n**About Axis:**\n\nWe started building Axis on the belief that models could be incredibly powerful when applied to traded markets. \n\nThis mainly came from our experience as traders. Trading is highly context driven, yet the majority of qualitative market information goes unparsed: real-world news, broker data, macro narratives, and more. This information is high-signal to a trader but unstructured. For the first time, LLMs provide an effective way of analyzing this information across multiple sources. \n\n**In Short:** _We believe models reveal what a trading system could be: not a data feed, but a tool that actively enhances a trader’s view of the market._\n\n**Our first market: Commodities**\n\nCommodities are real-world markets that make up the movement of energy, agricultural products, metals, chips, and more around the globe. They make up roughly a third of global goods exports. \n\nCommodities trading is a unique domain. Like equities, there are futures/options and other publicly traded derivatives that track commodities at the macro scale. This is where banks and hedge funds typically trade.\n\nHowever, there is an entire separate group of “physical” commodities traders who are responsible for moving commodities (oil, grain, copper) to locations around the globe. Their “trading” is the original form of “trade”: transporting materials to another location, taking on storage and transportation risk, receiving a premium for the service. Oil companies like Shell and Chevron have large commodities trading units responsible for trading/hedging their supply.\n\nThese traders still operate like normal trading desks, hedging and speculating in public markets, but they are also responsible for deciding storage and transportation. They track the markets at a granular and varied scale: transportation logistics, regional demand/inventory, derivatives positioning, macro narratives, and more. \n\n**_Engaging in these markets is complicated and it’s where we think our models shine. Axis allows a commodities desk to deploy custom models for monitoring their strategy 24/7._**\n\n\\\n\\\n\\\n", "url": "https://www.ycombinator.com/launches/PYW-axis-an-ai-system-for-institutional-trading-desks", "votes": 12, "created_at": "2026-02-27T13:12:35.649Z" } ] }, { "id": 31119, "name": "ZeroSettle", "slug": "zerosettle", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/452371c9b837fb899ab50db5096bb04a576b19fb.png", "website": "https://zerosettle.io", "all_locations": "San Diego, CA, USA", "long_description": "ZeroSettle is a mobile SDK that switches customers from App Store billing to direct billing. It takes 15 minutes to set up and immediately unlocks zero App Store fees, higher retention/conversion, and instant payouts.", "one_liner": "Drop-in Direct Billing SDK for In-App Purchases", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1770252325, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/zerosettle", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/zerosettle.json", "year_founded": 2026, "city": "San Diego", "country": "US", "linkedin_url": "https://www.linkedin.com/company/zerosettle", "x_url": "https://x.com/zerosettle", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/452371c9b837fb899ab50db5096bb04a576b19fb.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": 1356034, "full_name": "Gabe Roeloffs", "title": "Founder/CEO", "founder_bio": "Used to work on operating systems @ Apple (yes, all of them). And now I help mobile developers improve their net margins by avoiding the 30% App Store commission. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/gabe-roeloffs", "x_url": "https://x.com/gaberoeloffs", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2e8a22408939b5d83117c9dba239b62b16180f54.jpg" }, { "user_id": 3203152, "full_name": "Ryan Elliott", "title": "Founder/CTO", "founder_bio": "Building and scaling ZeroSettle: the future of mobile gaming payments. Previous systems software engineer at Apple.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ryanelliott-10", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c91ea19ee288c4712457f948e7ca7944d65b89a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98611, "title": "ZeroSettle - Keep More of Your Mobile App Revenue with Drop-In Direct Billing", "tagline": "Skip the App Store fees, boost retention, and get instant payouts.", "body": "### **TL;DR**\n\nMy co-founder and I are two former Apple software engineers who built ZeroSettle, a drop-in direct billing SDK for mobile apps. It takes 15 minutes to set up and developers immediately start enjoying zero App Store fees, higher user retention, and instant payouts.\n\n\n\n# **Why Now?**\n\nZeroSettle was born out of the famous Epic v Apple lawsuit in May 2025 that required Apple to allow developers to offer direct billing. This unlocked $150B+ of annual in-app purchase volume overnight - every single mobile app leader is currently looking for ways to take advantage of this.\n\n### **The Problem**\n\nMobile developers are not fond of Apple’s 30% fee. Direct billing is the clear alternative, but we’ve heard from mobile leaders that implementing it without hurting conversion is quite difficult. After all, customers are pretty familiar with the Apple flow they’ve used for the last decade plus. On top of that, rolling your own cross platform subscription management system is fraught with peril.\n\n### **The Solution**\n\nThe ZeroSettle SDK provides drop-in, intuitive UI flows that help developers offer direct billing to their users. These take just 15 minutes of engineering work to set up! Each use case increases margins or LTV (or both!) and avoids conversion concerns. \\\nHere's a few examples of the UI flow we provide:\n\n**Switch & Save Campaigns**\n\nZeroSettle intelligently shows offers to users to encourage them to switch to direct billing in exchange for a discount. This shows to users who have been subscribed for a given amount of time (default 60 days), and that's configurable in the dashboard. Everyone wins - more affordable plans for users and massive margin improvements for devs.\n\n![uploaded image](/media/?type=post&id=98611&key=user_uploads/1356034/fef706dd-144a-40ba-b56c-e935468bde1c)\n\n**Native Feeling Web Checkout Flows**\n\nFor in-app consumables (like coins and gems), developers can support web checkout directly and keep all of their revenue. ZeroSettle displays a browser sheet that looks native and customers can use Apple Pay and Google Pay inside of it.\n\n![uploaded image](/media/?type=post&id=98611&key=user_uploads/1356034/4f3f40ba-7e93-4e88-8da0-e8bf9e104a0a)\n\n**Smart Cancellation Flows**\n\nOne of the best aspects of direct billing is the fact that devs have full control over the cancellation flow. This provides a great opportunity to improve LTV by offering discounts to users who attempt to cancel, or even letting them pause their existing subscription.\n\n![uploaded image](/media/?type=post&id=98611&key=user_uploads/1356034/7ed26f99-1360-4bcb-a04c-39fdb7ee1fd4)\n\n**Billing Engines**\n\nWhen it comes to billing engines, we offer developers two options:\\\n\\\n**1. Use ZeroSettle’s built in Billing Engine**\\\nYou can think of the ZeroSettle Billing Engine as functionally equivalent to the App Store billing system today, but cheaper. Just like Apple, ZeroSettle acts as the MoR and charges a **5% + 50c** commission instead of **30%**. ZeroSettle handles all the chargeback fraud and customer support behind the scenes.\\\n\\\n**2. Bring Your Own Stripe**\\\nIf a developer wants to be their own MoR, they can connect their Stripe account. This means the developer handles chargeback fraud and customer support. With BYOS, ZeroSettle charges a flat **0.5%** fee when ZeroSettle’s intelligent offers successfully switch a user to direct billing.\n\n# **Sound Interesting?**\n\nIf you’re a mobile developer interested in avoiding the App Store and/or Google Play fees, go ahead and create an account at [zerosettle.io](https://zerosettle.io). And if you know a mobile developer that you’d like to help make a lot more money, send them our way! We support Swift, Kotlin, Flutter, and React Native across iOS and Android. The best part? It’s completely free to use and try out in sandbox mode. \n\nIf you have any questions, please don’t hesitate to reach out to [founders@zerosettle.io](mailto:founders@zerosettle.io) or or (805) 215-0740.\n\n![uploaded image](/media/?type=post&id=98611&key=user_uploads/1356034/26467ff1-47a5-4621-aa40-80c4f5c373fb)\n\n", "url": "https://www.ycombinator.com/launches/PeV-zerosettle-keep-more-of-your-mobile-app-revenue-with-drop-in-direct-billing", "votes": 12, "created_at": "2026-03-09T07:07:30.387Z" } ] }, { "id": 31126, "name": "Palus Finance", "slug": "palus-finance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0848c6eda1cd290639119a9922d58316825a98e4.png", "website": "https://palus.finance", "all_locations": "", "long_description": "After a fundraise, you want to focus 100% on scaling your company, but suddenly there's a mountain of finance and ops decisions you need to figure out. Though these tasks feel like distractions, making the wrong decisions here can literally kill your company.\r\n\r\nPalus is your startup's financial advisor. We help you with the decisions that come with scaling: where to store your cash, how to think about runway, and how to optimize your company’s finance/ops setup.\r\n\r\nPalus will save you dozens of hours on operations work, help you avoid making financial mistakes, and our cash management service can earn you $100s of thousands in extra yield on your fundraise without switching banks or taking on unnecessary risk. And you can reach us 24/7 via Slack.\r\n\r\nWhat makes us an advisor and not another bank or finance tool is that we're an actual fiduciary, not a product with a salesperson attached. Mercury, Rho, and Brex can't legally give you financial advice; they hand you a dashboard and leave the decisions to you. Palus signs an advisory contract with you, giving us a legal fiduciary duty to act in your company’s best interest. This lets us give you actionable financial advice and optimize your cash to best suit your goals and company’s needs.\r\n\r\nSam and Michael are technical cofounders who met at Caltech. Sam previously built the AI research platform for a $3T AUM asset manager; Michael built quantum computers for the defense industry.", "one_liner": "Your startup's financial advisor", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1773084349, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "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/palus-finance", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/palus-finance.json", "year_founded": null, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/palus-finance/", "x_url": "https://x.com/PalusFinance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0848c6eda1cd290639119a9922d58316825a98e4.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": 3161967, "full_name": "Sam Lushtak", "title": "Founder/CEO", "founder_bio": "CEO @ Palus Finance. Used to manage cash for Fortune 500 companies, now I do it for startups. Ex-Goldman Sachs, ex-Capital Group. Caltech alum. Sharpe ratio enthusiast.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samuel-lushtak", "x_url": "https://x.com/Sam_Lushtak", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f382e130db5c27bc339f37a1df5739f96830039e.jpg" }, { "user_id": 3201332, "full_name": "Michael Gonzalez", "title": "Founder/CTO", "founder_bio": "CTO @ Palus Finance. Distributed systems nerd. Previously wrote monitoring software that saved defense contractors $150M by optimizing uptime of multi-site fleets of quantum computers. Caltech alum.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mogonzal", "x_url": "https://x.com/michaelatpalus", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/682c63cb658ec6f9343888411af60fad827d02b9.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98654, "title": "Palus Finance - Better yields on idle cash for startups and SMBs", "tagline": "Up to 50% more yield from your company treasury, without switching banks.", "body": "Hey everyone 👋\n\nWe're Sam and Michael, co-founders of Palus Finance.\n\n**TL;DR: Palus gives startups and SMBs access to institutional-grade bond portfolios, earning up to 50% more yields than money market funds with comparable safety and near-immediate liquidity.**\n\nInstead of replacing your bank, we plug into it, so you can spend five minutes optimizing your treasury and get back to building.\n\n👉 **Ask**: If your startup has idle cash earning money market rates, we'd love to show you what you're leaving on the table. Sign up at[ ](https://palus.finance/)[palus.finance](http://palus.finance) or reach out at [founders@palus.finance](mailto:founders@palus.finance).\n\nOur launch video:  \n\n### **The Problem**\n\nAfter a fundraise, startups park 18–24 months of cash in a money market fund and draw it down gradually. That cash sits there for months or years, earning roughly 3.5%, because every existing treasury product does the same thing: sweep your cash into a money market fund and charge a management fee.\n\nMoney market funds are the lowest rung of what's available in fixed income. They're safe and liquid, but you're paying for same-day liquidity on cash you won't touch for six months. Fortune 500 companies don't do this; they have treasury teams that actively invest in a range of safe, higher-yielding assets. But those strategies have always required dedicated treasury operations, and founders don't have time to be portfolio managers.\n\nIt turns out, a good yield strategy can have a real impact. On a $10M balance, the difference between 3.5% and 5% is $150K per year.\n\n**That can mean an extra engineer. Less dilution for founders. Or if it comes down to it, weeks of extra runway that can literally save your company.**\n\nThat kind of impact is worth five minutes of your time. We make it that quick.\n\n### **The Solution**\n\n![uploaded image](/media/?type=post&id=98654&key=user_uploads/3161967/8b564aea-e38b-400c-90c3-9a668224f055)\n\nPalus replaces the default money market fund with a bond portfolio specifically optimized for startup treasuries, targeting 4.5–5% returns with equivalent safety and 1–2 day withdrawal times. In other words, by giving up a couple days of liquidity on cash you won’t need for months, you can get up to 50% more yield on your treasury.\n\nWe're the only startup treasury product with a differentiated investment strategy. Everyone else is just a wrapper on a money market fund.\n\nWe think that startup banking products themselves (Brex, Mercury, etc.) are genuinely great at what they do: payments, payroll, card management. But it turns out their great bank product is bundled with a crappy treasury one. So rather than building another neobank, we built Palus to connect to your existing bank account via Plaid. Our goal was to create the simplest possible UX for this product: two buttons and a number that goes up.\n\n![uploaded image](/media/?type=post&id=98654&key=user_uploads/3161967/af23849b-56c1-46a0-b3ad-a5f6d6247f60)\n\n_Yes, this is what it actually looks like._\n\n## **The Backstory**\n\nWhen we joined YC, like all our peers, we were bombarded by emails from every startup bank, asking us to put money in their treasury platform. But then we realized all these products are just some elegant branding on a money market fund.\n\nSam comes from a finance background, so the status quo felt strange: startups were defaulting into the lowest-yielding safe asset in fixed income, simply because no one had built an easy way for them to access anything better (there is actually one widely-advertised treasury product that claims to offer higher yields, but instead of an MMF it uses a mutual fund where your principal is at considerable risk; it had a 9% loss in 2022 that took years to recover).\n\nAnd it's personal. We’ve seen friends’ startups try to stretch every last dollar of runway, hoping to buy just a few more weeks to close a round. A better yield on their reserves could have given them breathing room when it mattered most. That's the kind of margin we're building for.\n\nSo after talking to hundreds of founders, our mission was clear: create something that lets them easily access institutional-grade yields, so they can focus on building.\n\n### **The Ask**\n\n**If your startup has cash sitting in a money market fund**, sign up at[ ](https://palus.finance/)[palus.finance](http://palus.finance) and see how much more you could be earning. Setup takes minutes.\n\n**Know a founder or CFO managing idle cash?** Send them our way: [founders@palus.finance](mailto:founders@palus.finance).\n\nReach out if you have any questions: we love talking about this stuff, helping founders manage their money, and making finance less confusing for people.\n\n### **The Team**\n\n**Sam Lushtak** (CEO): Previously built an investment research platform for an asset manager with over $3T AUM. Caltech alum. Sharpe ratio enthusiast.\n\n**Michael Gonzalez** (CTO): Wrote monitoring software that saved defense contractors $150M+ by optimizing uptime of multi-site quantum computing fleets. Caltech alum. Distributed systems nerd.\n\n**See Palus in action here:** \n\n_This post is for educational purposes only and does not constitute financial, investment, or legal advice. Past performance does not guarantee future results. Yields and spreads referenced are approximate and based on historical data._", "url": "https://www.ycombinator.com/launches/PfC-palus-finance-better-yields-on-idle-cash-for-startups-and-smbs", "votes": 70, "created_at": "2026-03-10T07:03:59.246Z" } ] }, { "id": 31129, "name": "Verdex", "slug": "verdex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f35f0d4e2a885cb8f0c3f1b37d3a0f972156d53.png", "website": "https://www.verdexai.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Verdex is an AI insurance adjuster. We use data streams like satellite imagery to verify claims, allowing insurers to process it immediately and save billions of dollars. We are currently helping insure over 11% of all American farmland.", "one_liner": "AI Verification for Insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1768239774, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/verdex", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/verdex.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/verdexai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f35f0d4e2a885cb8f0c3f1b37d3a0f972156d53.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 2724316, "full_name": "Jad Bousselham", "title": "Founder/CEO", "founder_bio": "Math + CS @ Dartmouth, where I built the world's best soybean yield prediction model using satellite imagery.\nMade in Morocco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jad-bousselham/", "x_url": "https://x.com/jadbousselham", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ae2c2d26bbc64f3559dfc58546df2e64277daeeb.jpg" }, { "user_id": 2975522, "full_name": "Evan Rankin", "title": "Founder/CTO", "founder_bio": "Dartmouth BA BE - Engineering | Building an AI Insurance Adjuster", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/evan-rankin-/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/745da8b590689429d2a1cc2d441a6e93b5347ad1.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98232, "title": "Verdex: Satellite Imagery Verification for Insurance", "tagline": "Helping insurers verify claims without leaving their desks", "body": "Hi everyone, we’re Evan and Jad — two Dartmouth grads building Verdex.\n\n**TL;DR:** Verdex replaces manual inspections in insurance with real-time digital audits. We use high-resolution satellite imagery to help insurers verify and settle claims without ever leaving their desks, starting with crop insurance.\n\n\n\n### The Problem\n\nCrop insurers worldwide spend over **$5 billion every year** on a single manual task: verification.\n\n* Today, insurers cannot verify a claim without physically sending an adjuster to a field.\n* This manual process is so slow and labor-intensive that it consumes nearly **10% of every premium dollar** collected globally.\n* As extreme weather events increase, the volume of claims is skyrocketing, making the current adjuster model completely unscalable.\n\n### The Solution\n\nVerdex allows insurers to monitor every field on earth in real time.\n\n* We combine high-resolution satellite imagery with local weather models to interpret field-level conditions with precision.\n* Instead of waiting weeks for a field visit, insurers can verify the insured asset in seconds and settle the claim instantly. This means insurers aren’t scrambling to dispatch adjusters, and policyholders get paid on the spot.\n* Last month, major regulators such as the USDA updated their guidelines to allow for satellite-based remote verification.\n\nWe are already live with one of the largest crop insurers in the US, helping them insure **100+ million acres** — that’s over **11% of all farmland** in the US. But insurance is more than just crops — our vision is to be the data and interpretability layer for any insurable asset you can see from space. We’re building the infrastructure to automate the verification process across insurance sectors like agriculture, property, and energy.\n\n### Our Ask\n\nWe are looking for intros to insurers in agriculture, property, and energy.\n\nIf you have a lead or want to see a demo, reach out at [**founders@verdexai.com**](mailto:founders@verdexai.com)!", "url": "https://www.ycombinator.com/launches/PYO-verdex-satellite-imagery-verification-for-insurance", "votes": 11, "created_at": "2026-02-27T17:45:29.532Z" } ] }, { "id": 31168, "name": "Instinct", "slug": "instinct-xyz", "former_names": [ "Assonant" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/95bc87269a98980418f0859561c98e4d5a516586.png", "website": "https://instinct.xyz", "all_locations": "San Francisco, CA, USA", "long_description": "Capital allocation is becoming a more important part of individual economic life.\r\nFinance is moving toward a global, onchain, 24/7 future with thousands of markets trading at once.\r\n\r\nThe asset management industry is built around the scarcity of financial expertise and the cost of organizing people around capital. \r\n\r\nInstitutions cover global markets by employing analysts, researchers, and quants around the clock. \r\n\r\nAI turns this organizational capacity into software.\r\n\r\nInstinct is building the harness for this transition.\r\n\r\nInstinct is a proactive team of agents that searches thousands of markets, investigates opportunities, and operates 24/7. The individual becomes the portfolio manager, Instinct becomes the investment firm operating around them.\r\n\r\nAs institutional advantages become widely accessible, the edge concentrates in each trader’s worldview, judgment, and bets. \r\n\r\nThe first one-person investment firm managing $1 billion will emerge within two years.\r\n\r\nIt will run on Instinct.", "one_liner": "Trade with superhuman instinct", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1779953002, "tags": [ "Machine Learning", "Trading", "AI", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "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/instinct-xyz", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/instinct-xyz.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/instinctxyz", "x_url": "https://x.com/instinct_xyz", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/95bc87269a98980418f0859561c98e4d5a516586.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": 3171357, "full_name": "Joon Won Song", "title": "Founder/CEO", "founder_bio": "Quantitative Developer @ Squarepoint Capital\nEECS @ Imperial College London", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mericsong", "x_url": "https://x.com/mericsong", "avatar_thumb_url": "/avatars/thumb/missing.png" }, { "user_id": 3198682, "full_name": "Eunju Moon", "title": "Founder/CTO", "founder_bio": "PhD dropout @ USC (Quantum Computing)\nTheoretical Physics @ Imperial", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eunju-moon-a65823202/", "x_url": "", "avatar_thumb_url": "/avatars/thumb/missing.png" } ], "jobs": [], "news": [], "launches": [] }, { "id": 31169, "name": "Proximitty", "slug": "proximitty", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c673e059e5a8ca7754f20b8d30a076bfb5c81c5b.png", "website": "https://proximitty.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Proximitty is the AI operating system for commercial loans - we build regulator-grade AI agents that ingest and parse documents, spread financials, automate loan operations and track covenants.\r\n\r\nWe help FDIC-insured banks and fintechs underwrite faster and scale their loan books without scaling costs.", "one_liner": "AI operating system for commercial loans", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1771451277, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/proximitty", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/proximitty.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/proximitty-ai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c673e059e5a8ca7754f20b8d30a076bfb5c81c5b.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": 1120256, "full_name": "Wye Yew Ho", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @ Proximitty (YC W26). Previously, led FinCrime and Growth at Taptap Send ($75m -> $200m ARR) and started his career advising banks and fintechs on risk strategy at McKinsey.\n\nHighest ranked Malaysian in history in the Southeast Asian Maths Competition (SEAMC). ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/wyeyew/", "x_url": "https://x.com/WyeYew", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dcf8ce32d3b4dc6a170bc231b76373a414a871b5.jpg" }, { "user_id": 3018333, "full_name": "Zi Zhang", "title": "Founder/CTO", "founder_bio": "Co-founder & CTO @ Proximitty (W26). Previously, led security infrastructure at Bloomberg (securing 300k+ terminals) and Head of Engineering at ACI.dev (built world's first unified MCP with 4k GitHub stars in 1 month).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zizixcm/", "x_url": "https://x.com/zizixcm", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c2d3989b3c81e4035d2127eca91c422f7a433562.jpg" } ], "jobs": [ { "id": 93643, "title": "Member of Technical Staff", "url": "https://www.ycombinator.com/companies/proximitty/jobs/ctpg0o9-member-of-technical-staff", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K - $300K", "equity_range": "1.50% - 3.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "TypeScript", "Distributed Systems" ] } ], "news": [], "launches": [] }, { "id": 31187, "name": "Fenrock AI", "slug": "fenrock-ai", "former_names": [ "new co", "Fenrock.AI", "Fenrock AI", "Fenrock AI (YC W26)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "website": "https://fenrock.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "We're building the Legora for traditional financial services, working closely with US bank CEOs to transform their businesses.", "one_liner": "AI agents for banks", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1769406704, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fenrock-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/fenrock-ai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fenrock-ai", "x_url": "https://x.com/FenrockAI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1914554, "full_name": "Charu Sharma", "title": "Founder/CEO", "founder_bio": "We're building specialized AI agents for banks to 10x back office functions.\n\nI previously founded and scaled 2 VC-backed companies to millions of users, hundreds of employees, and tens of millions raised from top-tier VCs, including General Catalyst's Hemant Taneja.\n\nFun fact: Fought goons in a train robbery in Mumbai and got the National Bravery Award from the Indian Prime Minister & President.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/charusharma1/", "x_url": "https://x.com/charu1603", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837d3354899bc42b763bc46606e17f2307c309fd.jpg" }, { "user_id": 1974434, "full_name": "Michael M", "title": "Founder/CTO", "founder_bio": "We're building specialized AI agents for banks to 10x back office functions.\n\nI previously spent 10 years building cutting-edge ML at Google and Apple for billions of users. I invented ways to train ML models without exposing private data, built Apple's first privacy-preserving ML at scale, and designed ML that helped a startup go public.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fiveseventyeleven/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ef7777ef756d822aa9721993e9be6f81978215c.jpg" } ], "jobs": [ { "id": 98553, "title": "Founding Engineer (Backend)", "url": "https://www.ycombinator.com/companies/fenrock-ai/jobs/HjrhODi-founding-engineer-backend", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] }, { "id": 98554, "title": "Founding Engineer (Full stack)", "url": "https://www.ycombinator.com/companies/fenrock-ai/jobs/cjkr5RF-founding-engineer-full-stack", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 98614, "title": "Fenrock AI - back office AI agents for banks", "tagline": "Process loans in minutes. Investigate 10x fraud alerts. Resolve customer complaints in seconds.", "body": "Fenrock AI is building AI agents for banks to 10x their back office functions.\n\nThese teams still run on a series of disjointed legacy systems. They are drowning in extremely manual work and backlogs, missing deadlines, and risking regulatory fines. \n\nFenrock overlays on your existing stack and seamlessly integrates internal policies and SOPs.\n\n**With Fenrock AI, banks can:**\n\n💰 Make a lot more money by **processing loans in minutes**, not months.  \n\n🤩  Offer stellar customer experiences by **resolving complaints in seconds**.  \n\n💪 Investigate **10x fraud and money-laundering cases** per analyst with bulletproof audit logs, and pass every regulatory exam. \n\n[\\[Launch video\\]](https://youtu.be/49Aycd2urmM)\n\nNo need to switch systems or migrate data.\n\n![uploaded image](/media/?type=post&id=98614&key=user_uploads/1914554/5c1c98aa-58d8-41f6-a20a-7fa144ae076b)\n\nWe have **deep experience building in highly regulated spaces**, and we were one of the **first teams to ever build AI agents**. \n\n[Charu](https://www.linkedin.com/in/charusharma1/) founded one of the largest healthcare API companies, backed by General Catalyst, and scaled it to over 6 million patients and 100+ employees.\n\n[Michael](https://www.linkedin.com/in/fiveseventyeleven/) built Apple’s first privacy-preserving machine learning at scale, used by billions worldwide, and invented techniques to train ML models without private data. \n\nIf you’re running a bank, Fenrock AI is a no-brainer. Email us at [charu@fenrock.ai](mailto:charu@fenrock.ai) today! ", "url": "https://www.ycombinator.com/launches/PeY-fenrock-ai-back-office-ai-agents-for-banks", "votes": 49, "created_at": "2026-03-09T15:50:42.372Z" } ] }, { "id": 31188, "name": "Maywood", "slug": "maywood", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/25766f301c649782f67a8e41bd075b4e72544918.png", "website": "https://maywoodai.com/", "all_locations": "New York City, NY, USA", "long_description": "Maywood is the first finance-compliant proactive AI that runs 24/7, working across your network, pipeline, and active processes, running constantly in the background and surfacing things you'd otherwise miss. It tracks relationships and sector context to flag when a target is gearing up for a process (and drafts the outreach in your voice), watches network activity across LinkedIn, news, and conference follow-ups, and surfaces where active processes stand, including what's at risk since you last looked.\r\n\r\nIt also auto-updates CRMs and trackers and creates meeting briefs that includes relationship history, recent activity, deal context, external research, talking points that can pull from internal and external data sources. Dealmakers interact with it over email, Teams, or the platform itself. ", "one_liner": "The first finance-compliant proactive AI that runs 24/7", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1770247865, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/maywood", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/maywood.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/maywood/", "x_url": "https://x.com/maywoodai?s=21&t=VSCMuGGZdlswu2O-sROs-Q", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/25766f301c649782f67a8e41bd075b4e72544918.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1812971, "full_name": "Drake Goodman", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO of Maywood. Ex-Blackstone. Huntsman Program @ Penn. 2x Founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/drake-goodman/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/47e0d9bdc3c41593a2a3879f786462880d2482fc.jpg" }, { "user_id": 2969341, "full_name": "Kent Goodman", "title": "Founder/COO", "founder_bio": "Co-Founder of Maywood. Ex-BCG. EECS & Sloan @ MIT\n2x founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kent-goodman", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a3d667f3b008027c1dd02dc738ae87296f298923.jpg" }, { "user_id": 3208619, "full_name": "Esteban Vizcaino", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO of Maywood. EECS @ MIT", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/esteban-vizcaino-9920a5210/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81e85b83c0cffd57d69c6248a695848a43bdaeb5.jpg" } ], "jobs": [ { "id": 89718, "title": "AI Researcher ", "url": "https://www.ycombinator.com/companies/maywood/jobs/1u2jRjy-ai-researcher", "location": "New York, NY, US / San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Deep Learning", "Reinforcement learning (RL)" ] }, { "id": 89720, "title": "Applied AI Engineer ", "url": "https://www.ycombinator.com/companies/maywood/jobs/DV7GBKh-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Python", "Machine Learning" ] } ], "news": [], "launches": [ { "id": 97535, "title": "Maywood - AI for M&A", "tagline": "The platform to run your entire deal", "body": "Hi Everyone! \n\nWe’re **Drake, Kent, and Esteban**, co-founders of [**Maywood**](https://maywoodai.com/). \n\n# **TL;DR** \n\n**Maywood automates deal execution for investment banks, from decks to diligence.**\n\nBanks do not lose deals because of bad judgment. They lose time to repetitive work, fragmented information, and processes that do not scale with deal volume. \n\nMaywood removes execution bottlenecks so that deal teams can focus on judgment rather than mechanics. \n\n \n\n[**https://youtu.be/OCgXCora2OQ**](https://youtu.be/OCgXCora2OQ) \n\n# **The M&A Process Doesn’t Scale** \n\nThere was $5 trillion of M&A in 2025, yet M&A workflow spans dozens of fragmented systems. Deal teams spend an extraordinary amount of time reconciling updates across platforms, copying figures from client materials, and reviewing large decks line by line to ensure accuracy and consistency. As teams increase transaction volume, they are forced to trade off speed with quality. The more deals a team runs, the harder it becomes to maintain a consistently high standard of execution. \n\nExecution, in practice, does not scale cleanly. We see this across middle-market and large investment banks. Teams rely on increasingly manual oversight to keep processes on track, with senior bankers spending time reviewing mechanics rather than focusing on judgment, positioning, and client advice. \n\nWe believe the best deal teams should win based on the insight and guidance they deliver to clients, not on their ability to manage PowerPoint and internal coordination at scale. \n\n \n\n# **Maywood Expedites Execution and Elevates Quality** \n\n![uploaded image](/media/?type=post&id=97535&key=user_uploads/2969341/7e11d106-ad35-4d3f-b52a-8969cdadf936)\n\nMaywood is building an AI execution layer for investment banking. Our goal extends much further than producing decks at the push of a button and instead centers around unlocking deal teams to focus on their relationships with clients and maximizing outcomes. \n\n### **1. We do the Foundational Analysis** \n\nMaywood provides a thorough research process covering the company, industry, deal dynamics, and more. Instead of analysts and associates spending days pulling comparables, industry context, and buyer rationales or managing directors (MDs) prepping endlessly for their next call with the management team, our system handles the entire process natively. This enables Maywood to optimally position each company being sold, in some cases replacing an MD’s original thesis altogether. \n\n### **2. Our Materials Can be Sent Directly to Clients** \n\nMaywood analyzes past confidential information memorandums (CIMs) and pitches to extrapolate firm-specific language and formatting standards. We run models that determine what has led to success in the past and emulate that in current deals, all while being in an isolated system. Some MDs forward materials directly generated on Maywood, while others use it to draft first-pass materials and iterate quicker using natural language to make slide mutations. \n\n![uploaded image](/media/?type=post&id=97535&key=user_uploads/2969341/86433f7d-2dfb-4678-a235-18b429c7690a)\n\nMaywood also transforms the due diligence portion of the process, where buyers ask countless questions about the transaction. Maywood surfaces answers immediately and flags missing information along with key risks to ensure deal teams are fully equipped.  \n\n![uploaded image](/media/?type=post&id=97535&key=user_uploads/2969341/9910819f-a237-47f5-8465-6421fad16989)\n\n### **3. We Deliver Everything via a Single Platform** \n\nEverything is connected. The analysis feeds into decks and the due diligence module. Data updates propagate throughout the entire system automatically. Every feature works as a function of this continuously updating data layer, from first document uploaded to close. \n\n \n\n# **Who This is For** \n\nWe are focused on middle-market and large investment banks running multiple sell-side processes per year and teams that care deeply about quality, consistency, and speed. \n\nWe are already working with several banks and are seeing strong results! \n\n \n\n# **Our Ask**  \n\nIf you are, or know, any of the following, we would love to talk: \n\n* Investment bankers thinking seriously about how AI fits into execution \n\n\n* COOs, heads of operations, or tech leaders at banks evaluating productivity tools \n\n\n* Former bankers with strong opinions about what actually matters in sell-side execution \n\nYou can reach us at [**founders@maywoodai.com**](mailto:founders@maywoodai.com). \n\nIf you know anyone thinking about selling their company, we are happy to help out as well! We have a lot of banking connections to help you navigate this process and get the best outcome possible. \n\n \n\n# **Team** \n\n**Drake** leads product, strategy, and go-to-market. He saw the significant shortcomings and breakdowns of the deal process firsthand while working on some of the largest deals in the industry. He previously worked in private equity at Blackstone, where he helped roll out AI initiatives. He graduated Summa Cum Laude from the Huntsman Program at Wharton. \n\n**Kent** leads AI and go-to-market. He always loved doing analyst work first manually and then automating it end-to-end right after. That mindset led him to MIT, where he conducted deep research in neural stylistic transfer. Wanting to do this at scale, Kent went to BCG to automate work at Fortune 500 companies. When he heard deals take 6-9 months end to end when the manual work could be shortened to weeks, he founded Maywood to transform the industry. \n\n**Esteban** leads AI and infrastructure. He saw how much AI could transform a financial organization during his time in the hedge fund space at Balyasny. With a strong research background in AI and machine learning, he joined Kent and Drake in founding Maywood to bring those same transformations to dealmaking.  ", "url": "https://www.ycombinator.com/launches/PN9-maywood-ai-for-m-a", "votes": 31, "created_at": "2026-02-05T17:30:24.158Z" } ] }, { "id": 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": 31204, "name": "Forum", "slug": "forum", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d74562fedba22811a7ce25c1922d244abfba883.png", "website": "https://www.forum.market/", "all_locations": "New York City, NY, USA", "long_description": "Forum is building the first exchange to trade on cultural attention.\r\n\r\nWe create indices from search, social, and streaming data to measure what the world cares about, enabling users to go long or short on changes in relevance.\r\n\r\nAttention is the primary driver of business success in the digital age, but it has never been directly tradable. Forum introduces attention as a new asset class for managing cultural and demand risk.", "one_liner": "The first exchange to trade on attention.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1768809553, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "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/forum", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/forum.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/forum-markets-group/", "x_url": "https://x.com/forumdotmarket", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d74562fedba22811a7ce25c1922d244abfba883.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 2579867, "full_name": "Owen Botkin", "title": "Founder/CEO", "founder_bio": "Co-founder of Forum. Prev L/S equities @ Balyasny.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/owen-botkin", "x_url": "https://x.com/owenbotkin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6a885f5e1a474af62ac143a5c273bc8e594120e2.jpg" }, { "user_id": 2579873, "full_name": "Joseph Thomas", "title": "Founder", "founder_bio": "Co-founder of Forum. Prev SWE @ GEICO, NASA, and DreamwaveAI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joseph-philip-thomas/", "x_url": "https://x.com/josephpthomas", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc8b0e6be63c30c68b318277f88512845c1a97d2.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97926, "title": "Forum - exchange to trade on attention.", "tagline": "Long Claude Code, short Cursor (for real).", "body": "**TL;DR:** We turn virality into tradable markets. \n\nHey! 👋 We’re Owen and Joseph, the founders of Forum. Today, the primary driver of global value is human attention – clicks, views, and shares. We’re making the first exchange to trade it. \n\nAs founders, we debate a lot about the attention on different companies, people, and cultural movements:\n\n* Is Claude Code more popular than Cursor?\n* Is Elon Musk more influential than Sam Altman?\n\nNow, we’re turning the relevance of these topics into tradable positions. I’m personally long Claude Code and short Cursor.\n\n![uploaded image](/media/?type=post&id=97926&key=user_uploads/2579867/0d706da8-4782-4df2-9212-2946dab6b10c)\n\n![uploaded image](/media/?type=post&id=97926&key=user_uploads/2579867/9679ef5a-e7bd-4945-9421-80799ed4a95b)\n\n**How it works:** We create an index that measures engagement (combining search and social metrics), and you bet on whether or not the index will go up or down.\n\nRight now, we’re using fake money (you all get $1,000), but we’re working to bring this to the US with real-money trading soon!\n\n![uploaded image](/media/?type=post&id=97926&key=user_uploads/2579867/54d7ef88-8765-415a-a193-245d48d5507a)\n\n**The team:**\n\n* **Owen (CEO):** Traded long/short equities at Balyasny. Dropped out of Northwestern to help you short your friends' bad opinions.\n* **Joseph (CTO):** SWE at NASA and GEICO. Dropped out of Georgia Tech to build the next NASDAQ.\n\nHappy trading,\\\nOwen & Joseph", "url": "https://www.ycombinator.com/launches/PTS-forum-exchange-to-trade-on-attention", "votes": 32, "created_at": "2026-02-18T04:43:35.558Z" } ] }, { "id": 31227, "name": "Sequence Markets", "slug": "sequence-markets", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/80a96ab006079967d4861f55c708c029f8a76a6f.png", "website": "https://sequencemkts.com/", "all_locations": "Toronto, ON, Canada", "long_description": "Sequence Markets lets traders execute across crypto exchanges, prediction markets, and tokenized-asset venues from one system.\r\n\r\nWe built proprietary low-latency infrastructure and routing software so users can package one market view into one trade with the speed, access, and transparency execution requires.", "one_liner": "Low-latency execution across crypto, prediction, and tokenized assets", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767826402, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Canada", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "In August 2025, we had a macro view we wanted to express across multiple digital markets at once.\r\n\r\nThat meant a prediction-market leg on the catalyst, onchain exposure in the rails we thought would benefit, tokenized-asset exposure where it fit, and liquidity sourced through the best venue available. Instead of one system, we had to manually stitch together venues, APIs, chains, contracts, and liquidity sources. That process was fragmented, slow, and exhausting.\r\n\r\nSequence came from that frustration. We built it so users can take one market view and turn it into one trade." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "We had already hacked together terminal workflows to trade different views, but when we wanted one system that could connect us across every market we cared about, it simply did not exist.\r\n\r\nEverything was siloed. The products we found were either built only for TradFi, only for crypto, only for prediction markets, or only for tokenized assets. None of them let us express one market view across all of those markets in one place.\r\n\r\nThat was the gap we decided to solve. Sequence Markets is the system we wanted to use ourselves: one place to turn one market view into one trade across fragmented digital markets." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Digital markets are fragmented across exchanges, onchain venues, spot markets, perps, prediction markets, and tokenized assets.\r\n\r\nTo put on one trade today, users still have to jump between separate venues and workflows by hand, use trading platforms that do not provide the programmatic access or control they need, or rely on dealer-style workflows with little transparency.\r\n\r\nThat leads to worse execution, more operational drag, and less visibility into what actually happened. We decided to work on it because we ran into that problem directly.\r\n\r\nIf users are going to express one market view across fragmented markets, they cannot be bottlenecked by execution. In execution, speed, access, and transparency matter. That is what Sequence provides." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Crypto is just the beginning. More and more markets are getting added into the same digital market stack, but the infrastructure connecting them is still fragmented.\r\n\r\nWhen Sequence succeeds, users will not have to think venue by venue, chain by chain, or contract by contract. They will express one market view, and the system will turn it into the best executable path across crypto, prediction markets, and tokenized assets.\r\n\r\nIf your intent is to do something in a market, you should be able to do it." } ], "url": "https://www.ycombinator.com/companies/sequence-markets", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/sequence-markets.json", "year_founded": 2026, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/sequence-markets", "x_url": "https://x.com/sequencemarkets", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/sequence-markets", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/80a96ab006079967d4861f55c708c029f8a76a6f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0080c2a816798106940f03f8ac9d01dc22a6793f.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 3183596, "full_name": "Peter Bai", "title": "Founder/CEO", "founder_bio": "I LOVE MARKETS RAHHHH\n\nGrew up around exchange infrastructure, got hired by the Toronto Stock Exchange at 17, and joined a $13B fund's trading team a year later. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/peter-bai/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1699cc49e60bb5d5d722c78b2cb4b58479c99dee.jpg" }, { "user_id": 2660299, "full_name": "Muhammad Awan", "title": "Founder/CTO", "founder_bio": "Former founding engineer at Boardy AI, and earlier worked on radar, sonar, and industrial ML at UTEX, including defect-detection technology for Boeing and SpaceX hardware. Now building Sequence Markets, unified execution infrastructure for digital asset markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/muhammad-awan0", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/22cafd1f1365c15ac9b7aa40cfde843c3bad4a86.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98437, "title": "Sequence Markets: trade across exchanges, prediction markets, and tokenized venues from one system", "tagline": "Low-latency trading infrastructure for fragmented digital markets", "body": "Hey everyone 🚀\n\nWe're Muhammad & Peter - co-founders of Sequence Markets.\n\n**TL;DR**\n\nMarkets are becoming more fragmented than ever. New exchanges, new venues, new markets, and new contracts keep appearing every day. Finding the best price is hard enough. Expressing one trade across all of them is even harder.\n\nSequence lets users package one market view into one trade from one system. Under the hood, we built proprietary low-latency infrastructure, routing software, and venue connectivity so users get the speed, access, and transparency execution requires.\n\n**Our Launch Video:** \n\n❌ **The problem**\n\nExecution is still fragmented across exchanges, onchain venues, spot markets, perps, prediction markets, and tokenized assets.\n\nThat means:\n\n* Hopping between venues to find the best execution path\n* Managing hedge legs and risk across separate systems\n* Stitching together APIs, wallets, dashboards, and workflows by hand\n* Poor visibility into what actually happened after the trade\n\nThe result is worse execution, more operational drag, and less control.\n\n🐂 **The solution**\n\n**What Sequence enables:**\n\n* Package one market view into one trade\n* Route across fragmented venues from one system\n* Manage hedge legs and risk in one workflow\n* Track execution reporting and improve fill quality over time\n* Run via terminal + API + SDK / MCP for humans, algos, and agent workflows\n\n**What makes this possible:**\n\nUnder the hood, we built proprietary low-latency infrastructure, routing software, and venue connectivity. On benchmark routes, our network is up to 2.5x faster than public-internet paths, and our internal latency is roughly 2 microseconds. That lets us support even latency-sensitive users like market makers, so the bottleneck is not our system.\n\nInternal benchmark tests also show meaningful improvements in execution quality, including lower slippage and lower execution drag versus public-internet routing on benchmarked paths.\n\nWe are starting with crypto, where the pain is already real, and extending the same system across prediction markets and tokenized assets over time.\n\n**Early proof:**\n\n* 150+ signups in the first week after launch\n* $104B in reported trading volume across the signup base\n* Over $10M in test volume completed on the platform in 2 weeks\n\n**The ask**\n\nWe're onboarding early users and would love intros to:\n\n* Funds, market makers, and active trading teams\n* Prosumers and investors trading across multiple venues\n* Builders and anyone who wants to trade through AI agents, API, SDK, or MCP workflows\n\n**Links**\n\n**Website:** \n\n**Contact:** [founders@sequencemkts.com](mailto:founders@sequencemkts.com)\n\n**Book a product call:** \n\n**Team**\n\nMuhammad is a Waterloo engineer and former founding engineer at a unicorn who builds the low-level systems behind Sequence.\n\nPeter was hired by the Toronto Stock Exchange at 17 and joined a $13B fund's trading team a year later.\n\n![uploaded image](/media/?type=post&id=98437&key=user_uploads/3183596/8fbee4c0-495b-498e-9127-d04e15405ac6)\n\n", "url": "https://www.ycombinator.com/launches/Pbh-sequence-markets-trade-across-exchanges-prediction-markets-and-tokenized-venues-from-one-system", "votes": 107, "created_at": "2026-03-04T22:03:13.711Z" } ] }, { "id": 31234, "name": "Ekpa", "slug": "ekpa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c4988b8eff9db30a66dc2c4f5f513eba67b606.png", "website": "https://goekpa.com/", "all_locations": "Boston, MA, USA", "long_description": "", "one_liner": "Building Autonomous Research Agents for Trading", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1783109218, "tags": [ "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/ekpa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/ekpa.json", "year_founded": 2026, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ekpa/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c4988b8eff9db30a66dc2c4f5f513eba67b606.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 3028173, "full_name": "Anant Asthana", "title": "Founder", "founder_bio": "Co-founder @ Ekpa", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/asthana-anant/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/35d5061a5dc077f08c538bfd81cf5371b0b5252a.jpg" }, { "user_id": 2421466, "full_name": "Yuga Patel", "title": "Founder", "founder_bio": "Co-Founder @ Ekpa | CS/AI @ MIT", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yugapatel26", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2253a03131fee0fb9263a61fbc45c54c1e30c348.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105026, "title": "Ekpa: AI-Native Investment Platform for Everyday Traders", "tagline": "Intelligent and Data-Backed Investment Decisions", "body": "Hi all, \n\nWe’re Yuga and Anant. Yuga is a CS & Econ major at MIT with investment experience; Anant is CS & ChemE at MIT who has built agentic pipelines for drug discovery.\n\n**TL;DR:** With Ekpa, retail investors can create and improve their portfolio with tailored and strategic advice. Reach out if you are/know anyone who is into investing!\n\n**90 sec demo 👇**\n\n\n\n❌ The problem\n\nThere is a big gap between passive index-fund investors and wealthy people who have access to real hedge funds. Hedge funds have an army of people doing research and tracking and tracing every single piece of data. \n\nA retail investor with a full-time job and family does not have time to do all the research and make intelligent trading or investing decisions. \n\nAn everyday person lacks time, tools, expertise, and therefore confidence to make decisions that bring them closer to achieving financial freedom. \n\nTherefore, they miss out on the opportunity to build their wealth unlike the wealthy who continue to compound their wealth. \n\n**✅ The solution**\n\nWhat Ekpa enables:\n\n* **AI-Native Data Workflows** - agents that constantly keep up with the market trends, news, SEC filings, 10k, etc based on your portfolio.\n* **Research Systems**, based on your current portfolio and current interest. \n* **Discover New Investments** based on your risk-tolerance and future goals.\n* **Active Alert System**, so you don’t miss out on when the markets are moving while spending time doing the things you love. \n\nWith Ekpa, individuals build wealth regardless of experience. We’ve built AI trading systems that have outperformed the S&P500 over short time periods (over +1.5% returns in one week). \n\n**The ask**\n\nWe’re onboarding early customers and would love intros to anyone interested in trading\n\nFeel free to reach out directly to us at founders@goekpa.com. ", "url": "https://www.ycombinator.com/launches/RJy-ekpa-ai-native-investment-platform-for-everyday-traders", "votes": 17, "created_at": "2026-07-09T15:29:01.604Z" } ] }, { "id": 31255, "name": "Grade", "slug": "grade", "former_names": [ "Creator Check" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.png", "website": "https://usegrade.com", "all_locations": "San Francisco, CA, USA", "long_description": "Grade is the API for performance-based payroll. Think of us like Deel or Gusto, but our payouts are for work completed, not hours. Companies use Grade to pay AI agents and contractors based on results: tasks completed, targets hit, work delivered. We handle compliance, tax reporting, and global payouts.", "one_liner": "API for performance-based payroll", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1768947933, "tags": [ "Fintech", "Payments", "Payroll", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "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/grade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/grade.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/usegrade", "x_url": "https://x.com/usegrade", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.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": 1159814, "full_name": "Lotanna Ezeike", "title": "Founder/CEO", "founder_bio": "2x VC-backed founder. Previously product lead at Barclays, one of the world's largest banks, where I led product for digital payments. At my last company, I managed $10M+ in contractor payouts. That experience led me to build Grade, the API for paying AI agents and contractors based on performance.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lottsnomad", "x_url": "https://x.com/lottsnomad", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7d5d19671ff99112bbe0922371466c381c92185b.jpg" }, { "user_id": 995638, "full_name": "James Heaney", "title": "Founder/CTO", "founder_bio": "2x exited founder and now the CTO of Grade, the API for performance based payroll. Previously, I built and exited my first cryptography startup for over $5M while still in school, built and exited a consumer mobile app PrayScreen, built a rocket engine in my garage, and moved to San Francisco with my cofounder over a year ago.\n\nExcited by the future of payroll for the new global workforce and AI agents.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jvheaney", "x_url": "https://x.com/jvheaney", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/790f919bb3ba3571e289d1121fb7cf200920a93e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97852, "title": "Grade: Performance based Payroll", "tagline": "Helping companies pay their workers based on performance.", "body": "**Lotanna** and **James** here, co-founders at Grade (YC W26).\n\nGrade is performance based payroll. We help companies pay workers based on results.\n\n### \n\n### **Our Launch Video 🎥**\n\n\n\n### **The Problem ❌**\n\nPayroll is huge. About $50T a year goes to worker pay worldwide. But most payroll systems still pay people for hours worked, even when hours do not match real output.\n\nWhen companies try to pay on performance, it gets messy fast:\n\n* The rules live in spreadsheets\n* Approvals are manual\n* Payouts are slow and mistakes happen\n\n### **Our Unique Insight 💡**\n\nBefore Grade, we built, scaled, and exited 4 mobile AI apps. Creators were our main growth channel, and they helped us reach millions of users.\n\nPaying creators was always a gamble. We paid a flat fee up front and hoped a video went viral. When we switched to paying for views instead, scaling got easy, but the tools were still spreadsheets. There was no payroll system for performance pay.\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/0f8e12e4-c2c3-4a41-ad24-ff24b323d164)\n\n### **The Solution ✅**\n\nGrade makes performance pay run like real payroll, starting with creators.\n\n* Pay creators any way you want (flat fees, performance pay, bonused)\n* We track performance and calculate payouts automatically\n* Approve and pay out in bulk, we deal with all the invoices and tax complaince\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/58ba3703-1ad5-40d8-9416-24b28145fa41)\n\n### **Traction 📊**\n\nIn the last 30 days, companies used Grade to **pay out $380k+** to creators, up 120% MoM\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/07111969-8895-4c5e-99f2-d8e6606424d5)\n\n### **Our ask 📣**\n\nIf your company is paying creators at scale and you want pay tied to results without the spreadsheet mess, we would love to talk.\n\n[usegrade.com](http://usegrade.com)", "url": "https://www.ycombinator.com/launches/PSG-grade-performance-based-payroll", "votes": 14, "created_at": "2026-02-17T05:49:20.980Z" } ] }, { "id": 31260, "name": "Copperlane", "slug": "copperlane", "former_names": [ "Sevenfold", "Rhombal", "Coevolved" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6c74fb63a006045b5124e1949931ca658a4aafd.png", "website": "https://www.copperlane.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Copperlane helps mortgage lenders accelerate the loan process and reduce mistakes in an application. We use AI agents to understand an applicant's profile, verify their documents, and complete initial underwriting tasks.", "one_liner": "Agentic Mortgage Origination", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1768253497, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/copperlane", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/copperlane.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/copperlane/", "x_url": "https://x.com/copperlaneai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6c74fb63a006045b5124e1949931ca658a4aafd.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": 1705932, "full_name": "Athan Zhang", "title": "Founder/CEO", "founder_bio": "Cofounder & CEO @ Copperlane", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/athanzhang/", "x_url": "https://x.com/athanzxyt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b2fada970b561d35b032565902b9cb852620f0fb.jpg" }, { "user_id": 3082094, "full_name": "Brianna Lin", "title": "Founder", "founder_bio": "Co-Founder & COO @ Copperlane | UPenn M&T", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brianna-lin/", "x_url": "https://x.com/briannajlin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e148d2875818d32cc7e0c320484c5f1107da51b8.jpg" } ], "jobs": [ { "id": 111227, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/copperlane/jobs/RW3yRBp-founding-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$140K - $220K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "React", "TypeScript" ] } ], "news": [], "launches": [ { "id": 98441, "title": "Copperlane - AI Native Mortgage Loan Origination", "tagline": "We help mortgage lenders close loans faster", "body": "Hey! We’re [Athan](https://www.linkedin.com/in/athanzhang/) and [Brianna](https://www.linkedin.com/in/brianna-lin/), the cofounders of [Copperlane](https://www.copperlane.ai/) (YC W26).\n\nCopperlane helps **mortgage lenders originate loans faster and eliminate intake errors**. Our AI agent Penny proactively closes loans by optimizing rate pricing, directing borrowers, and verifying docs. Loan officers receive complete files and can focus on bringing in new deals.\n\n[Copperlane Launch Video](https://youtu.be/-7Z8CI0O-GE)\n\n**The Problem**\n\nIt costs lenders $11,800 to originate a single mortgage. Most of that money is burned during intake:\n\n* Loan officer labor\n* Lost loans from confusing applications, back-and-forth, and bad rates\n* Costly mistakes from poorly structured files\n\nAll of these issues share the same root cause: people miss things. Borrowers upload the wrong documents, and lenders have to chase down borrowers to clarify details. This happens on almost every loan, every day, across 8 million loans a year.\n\n**Our Solution**\n\nCopperlane is an **AI-native loan origination system** powered by our agent, Penny, who behaves like a real loan officer by:\n\n1. Pulling borrower documents, reading them, and checking borrower loan eligibility\n2. Answering borrower questions live and helping them complete the loan application correctly\n3. Flagging missing documents or conflicting information and following up with borrowers\n4. Generating Letters of Explanation and building context around the applicant's financial profile\n\nPenny delivers complete, organized files to Loan Officers, so they can spend more time closing and bringing in business.\n\n**The Team**\n\nWe’re friends from the same hometown area, and we both come from mortgage families. \n\n* **Athan Zhang - CEO:**\n\n Studied CS at Princeton. Ex-quant developer and 2x founding team at startups.\n* **Brianna Lin - COO:**\n\n Studied CS and Finance at Penn M&T. Ex-Wall St. trader and 1st hire at prev. startup\n\n![uploaded image](/media/?type=post&id=98441&key=user_uploads/3082094/6e5874c4-9e0e-4bf0-9695-6cf967dbce94)\n\n**Our Ask**\n\nIf you KNOW ANYONE in mortgage lending who's frustrated with origination costs, cycle times, or loan fallout, we'd really appreciate an intro. ❤️\n\nYou can reach us at [founders@copperlane.ai](mailto:founders@copperlane.ai), or book a demo at [copperlane.ai](http://copperlane.ai). Thanks for reading! :)\n\nCarpe diem,\n\nAthan and Brianna", "url": "https://www.ycombinator.com/launches/Pbl-copperlane-ai-native-mortgage-loan-origination", "votes": 16, "created_at": "2026-03-04T07:38:43.342Z" }, { "id": 97631, "title": "Q2Q - AI Native Deal Sourcing for Private Equity", "tagline": "We help deal teams find acquisition targets faster", "body": "Hey! We’re [Brianna](https://www.linkedin.com/in/brianna-lin/) and [Claire](https://www.linkedin.com/in/claire-wu-2b30b6184/), cofounders of [Q2Q](https://www.tryq2q.com/) (YC W26).\n\nAt Q2Q, **you tell us the types of companies you want to buy, and we'll get qualified meetings booked for you**. Behind the scenes, we find private companies and run personalized outreach to get you first calls scheduled with off-market opportunities.\n\n[Q2Q Launch Video](https://youtu.be/am_2jrJbvWQ)\n\n**The Problem**\n\nProprietary sourcing is extremely manual for deal teams. Firms typically hire a mini army of juniors to do it for them, and the quality of output is inconsistent.\n\n* It takes a ton of time to hire and train analysts to run sourcing\n* Sourcing is a repetitive loop… research the company, write a custom email, then cold reach out to them\n* The entire industry relies on the same databases, so owners get flooded with the same generic outreach\n\n**Q2Q’s Solution**\n\nWe’re your team of AI analysts that gets you first calls booked with companies you want to buy. We handle:\n\n1. **Sourcing:** Tell us about your thesis. We’ll go find and qualify companies that match your buying criteria. \n2. **Outreach:** We pull owner contact info and research each company across the web and their socials to customize each outreach message.\n3. **AI Phone Agent:** Our AI agent can directly dial business owners and ask for their availability and contact info for a first meeting.\n4. **Bookings:** As owners respond, we book the intro calls for you. You can see meetings populate on your calendar with notes prepared by our team.\n\n**The Team**\n\nWe met through Penn’s M&T Program, where we both studied CS and Finance in Wharton.\n\n* **Brianna Lin - CEO**\n\n Previously at a software PE buyout shop and Jefferies\n* **Claire Wu - CTO**\n\n Worked as a hedge fund engineer and in product at Qualtrics\n\n![uploaded image](/media/?type=post&id=97631&key=user_uploads/3082094/ca53e7e8-7862-4c76-a580-b99052252693)\n\n**Our Ask**\n\nIf you answer “yes” to any of these, we’d appreciate your help!:\n\n* Can you introduce us to anyone in private equity, M&A, or the independent sponsor space who runs outbound deal sourcing?\n* Can you introduce us to any MBA friends or search fund guys looking for acquisitions?\n\nYou can reach us at [brianna@tryq2q.com](mailto:brianna@tryq2q.com) or [claire@tryq2q.com](mailto:claire@tryq2q.com), or sign up for a demo at [tryq2q.com](http://tryq2q.com). Thanks for reading! :)", "url": "https://www.ycombinator.com/launches/POh-q2q-ai-native-deal-sourcing-for-private-equity", "votes": 52, "created_at": "2026-02-08T19:11:32.904Z" } ] }, { "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": 31296, "name": "Unifold", "slug": "unifold", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/710f285bfbafa7ec0d7936331011b69c72d32a9f.png", "website": "https://unifold.io", "all_locations": "New York City, NY, USA", "long_description": "Launch crypto deposits in minutes. \r\n\r\nUnifold is a developer-first API + SDK that makes it easy for any app to accept on-chain deposits – across any chain and token – with less than 10 lines of code. We handle the full deposit flow so teams can ship faster and give users a smooth experience that actually works.\r\n\r\nIf you’re building a consumer-facing on-chain product and want best-in-class deposits (or want to support more chains fast), we’d love to work with you.\r\n", "one_liner": "Multi-chain deposit and payment infrastructure", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1771008732, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/unifold", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/unifold.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/unifoldio", "x_url": "https://x.com/unifold_io", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/710f285bfbafa7ec0d7936331011b69c72d32a9f.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": 2866477, "full_name": "Timothy Chung", "title": "Founder/CEO", "founder_bio": "Co-founder of Unifold (W26), we’re building crypto → stablecoin deposit and payment infrastructure for fintechs and marketplaces. Previously, I co-founded Streambird, a wallet as a service identify platform that was acquired by MoonPay; the product later became MoonPay Wallets. Before Streambird, I worked for Polymarket and Instabase (4th engineer).\n\nStudied Computer Science at Columbia & Cambridge", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/timchunght", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6cf30b909ec53e3451047689d17824de6eb63673.jpg" }, { "user_id": 2866736, "full_name": "Hau Chu", "title": "Founder/Chief Engineer", "founder_bio": "Graduated from Cornell Tech. Building a universal on-chain deposit infrastructure that \n1. Easily onboard all customers from all ecosystems to your platform and maximize user/trading volume.\n2. Super seamless user/dev experience to use our product with the least amount of crypto knowledge. Unifold handles the complexity for you.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hauchu1998", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e13d163f0f7ace926997cfc1348caddeb3268dd2.jpg" }, { "user_id": 2943389, "full_name": "Quang Huynh", "title": "Founder/CTO", "founder_bio": "A full-stack engineer with 15+ years of experience across fintech, healthcare, and web3. Most recently spent 2.5 years at MoonPay building consumer app, wallets and identity SDKs. Previously co-founded a web2/web3 wallets/authentication startup that was acquired after 1.5 years, led mobile engineering at stc pay (Saudi Arabia's first fintech unicorn) serving 3.5M+ customers, and built patient administration software generating ~£30M+ revenue for UK healthcare providers.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/quang-huynh-468488305/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fa554cf808a57da11c6a1fa0015eb0e3d509de96.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97814, "title": "Unifold – Universal deposit infrastructure for on-chain apps", "tagline": "Accept on-chain deposits across any chain/token with one API", "body": "**TL;DR**\n\nUnifold is a **developer-first API + SDK** that makes it easy for any app to accept on-chain deposits – across any chain and token – with **less than 10 lines of code**. We handle the full deposit flow so teams can ship faster and give users a smooth experience that actually works.\n\nIf you’re building a consumer-facing on-chain product and want best-in-class deposits (or want to support more chains fast), we’d love to work with you.\n\n![uploaded image](/media/?type=post&id=97814&key=user_uploads/2866477/a3a77b36-7d14-4161-a12e-f9afd25df662)\n\n## **The Problem**\n\nEvery modern blockchain app – prediction markets, exchanges, DeFi protocols, consumer platforms – hits the **same bottleneck**: deposits are slow, fragile, and a terrible experience.\n\nUsers don’t care about chain IDs or token standards, they just want to fund their account and use your product. But today, many platforms still force users through a maze of:\n\n* chain switching prompts\n* manual bridging flows\n* token approvals\n* figuring out whether their **USDC is the “right” USDC** (Solana vs Base vs Arbitrum vs Ethereum)\n\nThat confusion kills deposits. Users drop off not because they _don’t want_ to engage – but because the onboarding itself feels like a blocker. This is especially true for _time-sensitive_ products like prediction markets where speed _is_ product. By the time funds show up, the opportunity has passed.\n\n## **Why This Happens**\n\nMulti-chain deposits are _hard_. Tokens like USDC exist on dozens of networks with different contracts, wrapped versions, and incompatible standards. A user might hold “USDC” on one chain, but the platform only supports it on another. That mismatch turns a simple deposit into a support ticket and a lost user.\n\nExisting tooling tackles parts of this (bridges, chain selectors, etc.), but none give platforms a **single, unified deposit layer** with consistent UX and routing logic built in. Developers end up re-implementing the same plumbing over and over.\n\n## **Our Story**\n\nBefore Unifold, we built **wallet-as-a-service infrastructure** and were acquired by a leading crypto payments company, where we helped onboard **30M+ users** and supported major on-chain apps like **Phantom** and **Polymarket**.\n\nWhen we later left the acquiring company, we began prototyping a consumer prediction market with a better on-chain UX. We expected trading to be the tough part, but during testing, users kept talking about how unusually smooth the deposit experience felt compared to everything else they had used in crypto. Then another prediction market reached out, currently **top 3 in weekly transactions behind Kalshi and Polymarket (Feb 2026)**, asking if they could use our deposit flow. \n\nThat was the “aha” moment: even great on-chain products lose users at the _funding step_ because existing deposits are still fragmented and painful.\n\n## **Solution**\n\n\n\nSo we built **Unifold**, a universal deposit infrastructure for any internet platform that wants to accept on-chain money.\n\nUnifold gives developers a single integration that handles deposits end-to-end:\n\n* **cross-chain routing**\n* **gas abstraction**\n* **compliance checks**\n* **settlement**\n* **crypto + fiat deposits**\n\nYou can integrate in **less than 10 lines of code**, run it fully **headless** or with a customizable UI, and ship deposits natively across:\n\n* **Web (React/NextJS)**\n* **React Native (Expo)**\n* **iOS (Swift)**\n* **Android (Kotlin)**\n\nWe’re already working with ecosystems that don’t have strong deposit/onboarding support from existing providers, including **Algorand, MegaETH, and Thru**, and we’re excited to support more as they launch.\n\nMost existing crypto deposit solutions are still **sales-driven**, gated behind volume minimums and long onboarding cycles. We’re building Unifold to be the opposite: **best-in-class docs, a clean integration, and a self-serve dashboard** so even small teams can get started fast.\n\nIf Stripe made it easy to accept card payments, **Unifold makes it easy to accept on-chain deposits.**\n\n## **What our users (developers) are saying**\n\n[**Alpha Arcade**](https://www.alphaarcade.com/) (Prediction Market on Algorand)\n\nAfter integrating Unifold (30 minutes after checking the docs)\n\n_“I just integrated the modal into our app locally and successfully deposited to Algorand wallet from Solana wallet. VERY smooth!! good shit” -_ Head of Engineering of Alpha Arcade\n\n[**Lofty.ai**](http://Lofty.ai) (On-chain Nasdaq for real estate, YC S19)\n\n_“HOLY that is smooth” -_ Co-founder of [**Lofy.ai**](http://Lofy.ai)\n\n## **Ask / Call to Action**\n\nIf you’re building a consumer-facing on-chain product and want to give your users the best deposit experience or want to support more chains without rebuilding your stack, we’d love to work with you.\n\nFor more information, check us out at .\n\nDM us at [**https://x.com/unifold_io**](https://x.com/unifold_io) or reach out at [**hello@unifold.io**](mailto:hello@unifold.io) – we’re actively onboarding design partners.\n\nWant to test out our deposit flows and provide feedback?\n\n1. (deposit, buy tokens, play to win - Polygon)\n2. (deposit to the latest L1 blockchain - MegaETH)\n3. (our prediction market with the deposit flow - USDC Solana)\n\n## **The Team**\n\nWe are Timothy Chung, Quang Huynh, and Hau Chu, co-founders of Unifold.\n\nTimothy studied computer science at Cambridge and Columbia. Timothy was also involved in the early days of Polymarket and co-led the initiative for a CBDC for the US Marshal Islands out of MIT. Afterwards, Timothy cofounded Streambird with Quang, the wallet as a service that was later acquired by a leading crypto payment company. Together, they built infrastructure that onboarded 30M+ users onto on-chain apps like Phantom and Polymarket.\n\nQuang has 6+ years of experience building consumer-facing crypto and fintech products, from co-founding a wallet infrastructure startup (later acquired) to crafting authentication flows, consumer mobile apps, and UI/UX experiences that onboarded 30M+ users onto different platforms.\n\nHau has been building blockchain infrastructure since 2023 while completing his master’s at Cornell Tech. He worked at Solana Labs and later worked with Tim and Quang to scale wallets and DeFi infrastructure across 10+ blockchains.", "url": "https://www.ycombinator.com/launches/PRe-unifold-universal-deposit-infrastructure-for-on-chain-apps", "votes": 139, "created_at": "2026-02-17T09:19:25.023Z" } ] }, { "id": 31323, "name": "Hedge", "slug": "hedge", "former_names": [ "Taven" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "website": "https://www.hedgespecialty.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers. ", "one_liner": "AI-Native insurance company", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1777586182, "tags": [ "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/hedge", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/hedge.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/hedgeinsurance/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2567632, "full_name": "Luke Button", "title": "Founder/CEO", "founder_bio": "Building Hedge. Prev. founded Fernstone (AI-powered retail insurance brokerage), led a growth team at Traba (Series A, backed by Founders Fund), Head of Growth at Antimetal, cofounder at Contrast (acquired). ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lukebutton/", "x_url": "https://x.com/lukebbutton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/717eb78534ed7d2d8edf2ceae8d8697daa67808f.jpg" }, { "user_id": 3568359, "full_name": "Luke Rosa", "title": "Founder", "founder_bio": "Building Hedge. Prev. Head of Scaled Systems at Traba (Series A, backed by Founders Fund, Khosla), replaced humans with AI agents to manage $20 MM+ in revenue. Econ at UChicago. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/luke-rosa-4a2717160", "x_url": "https://x.com/lukerosa_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/524a034d003bd11ddfd046107d99a729dad21e3d.jpg" } ], "jobs": [ { "id": 106786, "title": "Founding Head of Partnerships", "url": "https://www.ycombinator.com/companies/hedge/jobs/OhSqnTH-founding-head-of-partnerships", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $250K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106787, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/hedge/jobs/WJGXGrP-founding-account-executive", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106788, "title": "General Application", "url": "https://www.ycombinator.com/companies/hedge/jobs/ySdNL2F-general-application", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106789, "title": "Founding Sales Development Representative (SDR)", "url": "https://www.ycombinator.com/companies/hedge/jobs/y0kYytQ-founding-sales-development-representative-sdr", "location": "San Francisco - In Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106790, "title": "Founding Head of Markets", "url": "https://www.ycombinator.com/companies/hedge/jobs/TYij9MV-founding-head-of-markets", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106791, "title": "Founding Underwriter", "url": "https://www.ycombinator.com/companies/hedge/jobs/CJf8gSe-founding-underwriter", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106792, "title": "Founding Wholesale Broker - Commercial Auto", "url": "https://www.ycombinator.com/companies/hedge/jobs/vlnK55k-founding-wholesale-broker-commercial-auto", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106793, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/hedge/jobs/Tke1Rmp-business-development-representative", "location": "San Francisco - In Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106794, "title": "Founding Wholesale Broker - Property", "url": "https://www.ycombinator.com/companies/hedge/jobs/gwAnWOS-founding-wholesale-broker-property", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106795, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/hedge/jobs/Ne6tWKy-founding-engineer", "location": "San Francisco - In Office", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "1.00% - 3.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106796, "title": "Founding Wholesale Broker - Trucking", "url": "https://www.ycombinator.com/companies/hedge/jobs/e2SS7zW-founding-wholesale-broker-trucking", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106797, "title": "Founding Growth Operations", "url": "https://www.ycombinator.com/companies/hedge/jobs/BWCIwMc-founding-growth-operations", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106798, "title": "Founding Wholesale Broker - Casualty and Excess", "url": "https://www.ycombinator.com/companies/hedge/jobs/eGhKzSh-founding-wholesale-broker-casualty-and-excess", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106799, "title": "Founding Wholesale Broker - Professional Lines, Management Liability, and Cyber", "url": "https://www.ycombinator.com/companies/hedge/jobs/WzmvwG2-founding-wholesale-broker-professional-lines-management-liability-and-cyber", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106815, "title": "Founding Wholesale Broker - Medical Malpractice", "url": "https://www.ycombinator.com/companies/hedge/jobs/Xa6MiBj-founding-wholesale-broker-medical-malpractice", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106816, "title": "Founding Wholesale Broker - Entertainment", "url": "https://www.ycombinator.com/companies/hedge/jobs/ACmDtnJ-founding-wholesale-broker-entertainment", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 100966, "title": "Hedge: AI-native specialty insurance company", "tagline": "Helping brokers get faster and better coverage for their customers", "body": "**TLDR:** We help insurance brokerages get quotes faster and cheaper. We started as brokers, realized insurance is broken end to end, and are now building the plumbing to fix it.\n\nWe’re hiring across sales, ops, and engineering here in SF. [**Apply here**](https://www.workatastartup.com/companies/hedge)**.** \n\n### **The problem:**\n\nI started a YC-backed AI-native insurance brokerage because buying insurance sucked.\n\nWe thought the answer was building a better brokerage. But then we became brokers and realized we weren’t actually fixing the system.\n\nBrokers do important work. They help businesses navigate a messy market. But they don’t control the parts of the stack that determine speed, price, and coverage.\n\nEvery quote still depends on multiple layers of brokers, underwriters, carriers, reinsurers, MGAs, and wholesalers.\n\nEach layer is still manual. Someone re-enters the same information by hand, then emails it to another person in the chain who does the same.\n\nEven when brokers move fast, quotes still sometimes take days or weeks. Brokers hate this. Their customers hate it even more.\n\nWe realized the only way to fix this was to go full stack and rebuild the workflows ourselves.\n\n### **What we’re building:**\n\n[**Hedge**](https://www.hedgespecialty.com) helps insurance brokerages get better, faster, and cheaper coverage for complex businesses.\n\nTo do this, we’re starting with the wholesale layer. The first major bottleneck for brokers.\n\nOur competitors are billion-dollar businesses that are still almost entirely human-driven. Ryan Specialty, one of the largest wholesalers, spends almost 60% of revenue on salaries. Their version of innovation is giving manual work to offshore contractors.\n\nWe think the better version is rebuilding the workflow around AI from day one. Hedge uses AI agents paired with underwriting to help brokers get quotes faster.\n\nSoon, we’re moving up the stack: combining wholesale distribution and underwriting into one AI-native insurance company built to help brokers win more business.\n\n### **Let’s talk!**\n\nWe’re already working with some of the fastest-growing brokerages we know, and now we’re scaling as fast as possible.\n\nIf you place E&S business and want faster, cheaper quotes for your clients, we’d love to work with you.\\\n\\\nTo learn more:[ hedgespecialty.com](https://www.hedgespecialty.com/)\\\n\\\n**We’re hiring! [Apply here](https://www.hedgespecialty.com/careers)**\n\n![uploaded image](/media/?type=post&id=100966&key=user_uploads/2567632/24c6880c-1e40-4812-a0b5-ada49876f9db)\n\n", "url": "https://www.ycombinator.com/launches/QGU-hedge-ai-native-specialty-insurance-company", "votes": 17, "created_at": "2026-05-08T05:52:39.977Z" } ] }, { "id": 31330, "name": "Standard Signal", "slug": "standard-signal", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a8bb04e2bfc061803541bd6c36efdf20229704c.png", "website": "https://standardsignal.com", "all_locations": "New York City, NY, USA", "long_description": "Standard Signal is the first hedge fund that researches and executes trades purely with AI. Our custom models discover and trade on new fundamental truths about the world before humans can.", "one_liner": "Hedge fund where AI researches and executes every trade end-to-end", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1775159965, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/standard-signal", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/standard-signal.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://x.com/StandardSignal", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a8bb04e2bfc061803541bd6c36efdf20229704c.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": 984097, "full_name": "Michael Royzen", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Standard Signal (YC P26), building the first hedge fund where AI runs everything from research to the actual trade execution end-to-end.\nPreviously co-founder & CEO at Phind (YC S22), where I built the first AI search engine and trained LLMs that beat GPT-4 on HumanEval (2024) and had the #1-ranked open-source coding model on Hugging Face for 6 months in 2023.\nUT Austin Turing Scholar '22\nPreviously an undergrad NLP researcher, as well as ML at Lyft, Cloudflare, and Microsoft.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaelroyzen/", "x_url": "https://twitter.com/michaelroyzen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/706f8f788e198ff32880b7ca40d15459d1f60a6e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 102374, "title": "Standard Signal - Hedge fund where AI researches and executes every trade", "tagline": "Standard Signal is the first hedge fund that researches and executes trades purely with AI. Our custom models discover and trade on new fundamental truths about the world before humans can.", "body": "# Standard Signal — the first hedge fund where AI does the trading\n\n## TL;DR\n\nStandard Signal is a hedge fund where AI researches the world and makes the trades — end-to-end, no human in the loop. The strategy is trading live today and has a Sharpe ratio above 3. We share full performance with qualified investors on request. We're opening to a small number of early investors.\n\n![uploaded image](/media/?type=post&id=102374&key=user_uploads/984097/cfad05e9-3b5e-4838-beb9-e91854aa0183)\n\n_The system trades on its own, with every decision logged and auditable in real time._\n\n## The problem\n\nThe most valuable trading is still done by hand.\n\nThe fast end of the market is a latency arms race — won by whoever has the lowest-latency infrastructure, not the best ideas. We don't play there. The real money is in big, asymmetric bets on shifts in the world that nobody else has priced in yet.\n\nBut that kind of trading is bottlenecked by people. The standard workflow is a human spending hours or days researching, forming a thesis, and wiring up a strategy by hand. It's slow, it doesn't scale, and it's capped by how fast one person can read, reason, and react.\n\n## Why now\n\nAI recently crossed a threshold. It can now take in what's happening in the world, reason over it, and act in seconds — collapsing a loop that used to take humans hours or days.\n\nThe catch is that research was never the hard part; judgment is. Off-the-shelf models are strong analysts and weak traders. Closing that gap is the whole game, and it's what we've built.\\\n\\\nThe way we close it is reinforcement learning. Our thesis is that judgment is learnable: trading, like math and code, comes with an objective scorecard — the market eventually grades every call as right or wrong. So rather than prompt a general-purpose model and hope, we train one directly on that signal, rewarding the judgment that compounds and penalizing the rest, until knowing when _not_ to trade is as sharp as knowing when to. The model doesn't just read the world — it has learned, from outcomes, how to act on it.\n\n## Traction\n\nThe strategy trades live today. In our live track record to date, it has run a Sharpe ratio above 3. Full performance figures are available to qualified investors on request. Every decision the system makes is fully auditable, and hard risk limits are enforced by our infrastructure rather than by the model.\n\n## Team\n\nMichael Royzen previously founded Phind, one of the earliest consumer AI chat companies, which built the first AI search engine — before ChatGPT — and scaled it to 150M+ searches. The team has trained some of the best AI models in the world, which is exactly the capability this fund is built on.\n\n![uploaded image](/media/?type=post&id=102374&key=user_uploads/984097/5942f9b5-982e-4cb6-a44f-40d2bedaccc3)\n\n## Why we'll win\n\nWe operate like an AI startup, not a quant shop: extreme focus, high talent density, and a lot of compute.\n\nThere are millions of tradeable securities, and other funds will eventually adopt AI too. Our edge is being first in a small number of the highest-value strategies. Being first gives us the most data on how our own trades move the market, which compounds: better data → better models → the most informed participant → better data.\n\nThe incumbents are handing us the window. The biggest players are still skeptical of letting AI drive real trading decisions. We think they're wrong, and their hesitation is our head start. The next RenTech will look more like an AI lab than a traditional quant shop — and we intend to be it.\n\n## The ask\n\nWe're opening to a limited number of accredited investors. Our full fee and redemption terms are set out in our offering documents and are available to qualified investors on request — early investors lock in our most founder-friendly pricing. If that's you, or you can introduce us to someone, reach out.\n\n---\n\n_This page is for informational purposes only and is not an offer to sell, or a solicitation of an offer to buy, any security or interest in any fund. Any such offer will be made only to eligible investors and only through definitive confidential offering documents, which should be read in their entirety before investing._", "url": "https://www.ycombinator.com/launches/QdC-standard-signal-hedge-fund-where-ai-researches-and-executes-every-trade", "votes": 36, "created_at": "2026-06-01T16:25:17.059Z" } ] }, { "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": 31367, "name": "Andustry", "slug": "andustry", "former_names": [ "Andustry", "Standard Gaussian" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cad618041deb29b222958392d35d6e8a7e0d845.png", "website": "http://andustry.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1773916364, "tags": [ "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech" ], "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/andustry", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/andustry.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cad618041deb29b222958392d35d6e8a7e0d845.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": 2027738, "full_name": "Het Dave", "title": "Founder/CEO", "founder_bio": "I love working at the intersection of {CS, math, finance}.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hetdave", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8a8b1d05d3d5d0d9f52e4509c33739a9c558da1c.jpg" }, { "user_id": 2239753, "full_name": "Johann Stürken", "title": "Founder", "founder_bio": "Johann comes from a family business importing goods for 2 generations. He's a mechanical engineer who has done research at Cambridge and won a prize at NASA designing an aircraft.\n\nHe worked at Airbus on autonomous flight and built the business team at a startup building electric aircraft. At McKinsey he worked with airlines and defense companies.\n\nJohann is a licensed pilot.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/johannstuerken", "x_url": "https://x.com/JStuerken", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07d7b59b5f21f6954b28f941b13fdefdc911e11d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 31382, "name": "Kinro", "slug": "kinro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a6042942a7506c8f7817f8f92ca6675143b71ba.png", "website": "https://www.kinro.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help small business owners get the right coverage.", "one_liner": "Autonomous insurance brokerage for small businesses", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1773944938, "tags": [ "Fintech", "Insurance", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/kinro", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/kinro.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kinro-ai/", "x_url": "https://x.com/kinroai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a6042942a7506c8f7817f8f92ca6675143b71ba.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2043734, "full_name": "Pierre-Alexandre Kamienny", "title": "Founder/CEO", "founder_bio": "I am the co-founder & CEO of Kinro, the first autonomous insurance brokerage.\nPreviously Research Scientist at Google DeepMind & Meta.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pakamienny/", "x_url": "https://x.com/pierrealexai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8011f44491a795f4215a55159a7c9b09eab0bb1e.jpg" }, { "user_id": 3399845, "full_name": "Parth Ainampudi", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO of Kinro AI", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/partha42/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fe864aaf327324d1df33b5061c87e9160c1dea01.jpg" }, { "user_id": 3226721, "full_name": "Corentin Hugot", "title": "Founder/COO", "founder_bio": "I am the co-founder & COO of Kinro AI. \nKinro enables sales of insurance in AI native platforms like ChatGPT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/corentin-hugot/", "x_url": "https://x.com/corentin_hgt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/33cfc43b4150b1e60e86301f8a32c4c9e650a725.jpg" } ], "jobs": [ { "id": 107965, "title": "Content & Brand Intern", "url": "https://www.ycombinator.com/companies/kinro/jobs/TZ7vUM1-content-brand-intern", "location": "San Francisco, CA, US", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "$4K - $10K / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 109891, "title": "Insurance Producer", "url": "https://www.ycombinator.com/companies/kinro/jobs/X8IIJLV-insurance-producer", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$50 - $80", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 103281, "title": "Kinro - The first autonomous insurance brokerage", "tagline": "Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.", "body": "![uploaded image](/media/?type=post&id=103281&key=user_uploads/3226721/30408a2d-dd8a-47e8-a0b7-b6c76f94eee2)\n\n_We hesitated between rap and insurance…_\n\nPreviously, we hit $1M in annual revenue building insurance workflows for brokers. Then we realized **the bigger opportunity was replacing them.**\n\nIn the US, there are 36 million SMBs, and 77% are underinsured because distribution is broken. Brokers can’t serve low-premium SMBs profitably: a $2K policy takes almost as much work as a $20K one.\n\nKinro changes that. Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.\n\nIn 3 weeks, we got licensed in 30 states, appointed by 15 carriers, and **we bound the first-ever autonomously sold insurance policy.**\n\nBefore Kinro, [Pierre-Alexandre](https://www.linkedin.com/in/pakamienny/) was an AI researcher at DeepMind (post-training Gemini on financial services). [Parth Ainampudi](https://www.linkedin.com/in/partha42/) led ML infra at Zoox and I was Chief Insurance Officer at an MGA (insurtech).\n\n**Asks**\n\nIf you ever need commercial insurance and want us to shop for you, hit us at [kinro.com](http://kinro.com) (yes we bought the domain for $25k, story [here](https://x.com/pierrealexai/status/2060382045571072043))! \n\n![uploaded image](/media/?type=post&id=103281&key=user_uploads/2043734/bac0ad88-22f1-4376-accb-852778c22c1e)\n\n_Post-pivot, Kinro goes to Atlanta to work for 48 straight hours with a retail broker specialized in selling to residential contractors._\n\n**Q&A**\n\n_“Why pivot?”_\n\nWe entered YC with a signed $1M enterprise sale to the 2nd largest auto-insurance comparator in the US a few days before (and a third of that money was wired). \n\nFirst OH, [@Nicolas Dessaigne](https://bookface.ycombinator.com/user/5628) asked us _“Why not become a broker directly?”_. \n\nWe told him we thought we could reproduce that sale with other brokers and maybe carriers. A month in, we hadn’t yet reproduced the same feat (though we had secured a pilot with the 3rd insurance broker on Earth: WTW). It became more and more obvious that integrations were deep (and FDE intensive) and enterprise sales were endless.\n\nWhat felt most off was the gap between what we were doing and our long-term vision: helping small business owners and individuals find the right insurance, wherever they are and whenever they need it.\n\n_“So why not just build that?”_  \\\n\\\nWe always knew we would eventually. Selling to brokers gave us a way to learn while getting paid. But we realized we weren’t learning as fast as we would by building directly for the people we ultimately wanted to serve.\n\n1.5 months later, we came back to him _“Nicolas, we want to become brokers… and this $1M is bad for us”_, he simply answered _“Oh I told you guys, this was obvious”_ (LOL). Walking away from >1M+ from all our clients felt easier after talking about this to [@Nicolas Dessaigne](https://bookface.ycombinator.com/user/5628) and [@Mathilde Collin](https://bookface.ycombinator.com/user/43195). Without YC, we would have waited much longer.\n\n_“What types of insurance do you sell?”_\n\nWe sell small business insurance (General Liability, Business Owner’s policy, Worker’s compensation, Commercial Auto…). We focus on admitted markets where checking carriers' appetite and getting quotes can be fully automated with no communication with carriers.\n\n**This new launch video as embarrassing as it is is worth watching! Send us a text if you want your angels to take care of your business.**", "url": "https://www.ycombinator.com/launches/Qrp-kinro-the-first-autonomous-insurance-brokerage", "votes": 7, "created_at": "2026-06-16T15:35:00.984Z" } ] }, { "id": 31385, "name": "Zolvo", "slug": "zolvo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/13449379aadac83de276a47cb8ee88b50b55c4f8.png", "website": "https://zolvo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Commercial lenders manage billions in assets on legacy software and manual workflows, their systems live on people’s heads like its the 90s. Zolvo replaces the entire back office with AI: automated data ingestion, invoice reconciliation, collections outreach, and funder monitoring. Our clients go live in weeks and eliminate hours of daily manual work per operator, allowing teams to only handle exceptions. We're building the future of commercial lending.", "one_liner": "AI Back-Office Automation for Commercial Lenders", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1773364062, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/zolvo", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/zolvo.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/zolvo-ai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/13449379aadac83de276a47cb8ee88b50b55c4f8.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": 1909560, "full_name": "Tony Montes", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO @ Zolvo (YCP26). Founding AI engineer at Domu (YC S24), built voice AI infrastructure that scaled to 100K+ calls per day for enterprise fintech clients. Background in AI research with publications at ACL and EMNLP and work on generative models at Cornell. Builds Zolvo’s product and infrastructure end to end for commercial lenders.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/t-montes", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b2b5a1f21979423d6a6ff37cc30f299cc9cbadf5.jpg" } ], "jobs": [], "news": [ { "title": "Zolvo Automates Commercial Lending Back Office Tasks | Y Combinator posted on LinkedIn", "url": "https://www.linkedin.com/feed/update/urn:li:activity:7455284831799775235/", "date": "May 11, 2026" }, { "title": "Instagram", "url": "https://www.instagram.com/reel/DVzOY3hkQ_H/?igsh=YTEyczRpbXBhODZl", "date": "Mar 12, 2026" } ], "launches": [ { "id": 100465, "title": "Zolvo: AI that automates servicing for commercial lenders", "tagline": "The automation layer for commercial lending back-offices, making it easy for firms to manage reconciliation, collections, and monitoring without scaling their headcount.", "body": "**The problem**\n\nFactoring and ABL is a **$4T+ industry running on 1990s software**. There is no automation layer. Every new client means more headcount, not better software.\n\nIn practice: For a $500M AUM lender, teams spend **6+ hrs/day** matching messy wire payments, with 16–20 errors/month and 3-day processing cycles. **25 people** verify invoices at $2–5 each, and funding is delayed 1–3 days. Account managers chase 50–100 borrowers/day, with payment proof lost in emails, spreadsheets, and SMS threads.\n\n**What Zolvo does**\n\nZolvo is giving **lenders the infrastructure they need to scale efficiently while maintaining total visibility and control over their risk**.\n\nWe sit as the AI layer between bank accounts, loan management systems, and ops teams. Our platform syncs directly with bank accounts, communication channels, and LMS/FMS to handle reconciliation and collections automatically. By turning these manual chores into background processes, your team now reviews only the exceptions.\n\n**Video Launch**\n\n\n\n**Traction**\n\n**Our first client paid an annual contract before we had a product** and became an angel investor two weeks in. We went live in less than a month and replaced work that would have required a team of 14 people.\n\n**Asks**\n\n**1. Do you know anyone in factoring or ABL?** One warm intro is worth more than any outreach we run.\n\n**2. We’re looking to partner with private credit funds.** We’re building the monitoring and reporting layer their portfolio companies need, and they’re great distribution partners.\n\n**Book a demo** or contact: [isa@zolvo.com](mailto:isa@zolvo.com)\n\n**Why us**\n\nOur first paying client signed during the YC application process, before a single line of code was written. I was the first hire at Domu (YC S24), where we went from $0 to $1M ARR. Tony was a founding AI engineer at Domu too, running 100K+ AI calls/day with zero churn.", "url": "https://www.ycombinator.com/launches/Q8P-zolvo-ai-that-automates-servicing-for-commercial-lenders", "votes": 41, "created_at": "2026-04-29T01:19:36.629Z" } ] }, { "id": 31390, "name": "Wealor", "slug": "wealor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24805f90c326649a050015bbd590a7ce2f86c5c.png", "website": "https://wealor.ai/", "all_locations": "Paris, Île-de-France, France", "long_description": "", "one_liner": "AI-native platform for wealth managers", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1779951603, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "France", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wealor", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/wealor.json", "year_founded": 2026, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/111953568/admin/dashboard/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24805f90c326649a050015bbd590a7ce2f86c5c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3c5b6ab1bafce746a6634870dcfe986b0e465f6c.png" ], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 2693699, "full_name": "Karim Bouri", "title": "Founder/CEO", "founder_bio": "Cofounder & CEO @ Wealor\nPreviously structured private investments for wealth managers.\nML & software engineer trained at UC Berkeley, École Polytechnique, HEC Paris, and ENSAE Paris. Top 13 African table tennis player and former #1 in Morocco.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karim-bouri-7a570824a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/47718fabb055bfc29b4b0d5392a3f9340828f4d0.jpg" }, { "user_id": 3331290, "full_name": "Pierre Depuydt", "title": "Founder/CTO", "founder_bio": "Founder at Wealor (YC P26). French Math Olympiad winner. Studied at École Polytechnique, X-HEC Entrepreneurs, and UC Berkeley. Former Deputy Section Chief in the French military, leading training programs in Guadeloupe. Previously worked in strategy consulting at Boston Consulting Group and in finance and advanced data analytics at Tiffany & Co.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pierre-depuydt-887779280", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e5913dd6572c29e3f5a480054a9c618e267a1d04.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 102090, "title": "Wealor : The AI Native platform for wealth managers", "tagline": "The institutional brain that runs your firm ", "body": "**TL;DR** \\\n\\\nWealor is building the AI-native platform for wealth managers, a centralized source of truth across wealth management, tax, and legal, with AI agents that automate operational work directly across legacy systems.\\\n\\\n\\\n\\\n**The Problem**\n\nOver $90T of wealth is managed on infrastructure built decades ago.\\\n\\\nWhen Karim spent extended time inside wealth management firms, he saw advisors spending hours every day reconciling client information across disconnected systems just to maintain a reliable view of the client and still failing. Most vendors solved isolated operational pain points. But the real problem is organizational: client knowledge lived inside people’s heads, not inside the firm itself. When advisors or operations teams left, years of context, workflows, and expertise disappeared with them. Firms operated with multiple conflicting versions of the same client data, but no true source of truth.\n\nFor this reason, most advisors were spending 80% of their time on back-office work and 20% with clients. It should be the other way around.\n\n**Our Solution**\n\nWealor creates a centralized, queryable source of truth for every client across the firm by capturing data from conversations, financial documents, tax returns, legal documents, custodial systems, and internal workflows.\n\nSpecialized AI agents then use this knowledge layer to automate operational work directly across legacy systems through APIs and browser automation.\n\nIn practice:\n\n* Reconcile client information across emails, meetings, CRMs, custodians, tax, legal, and operational systems, even when no APIs exist\n* Give advisors one intelligence layer with full client context across wealth, tax, legal, estate, insurance, and family relationships\n* Execute account opening, client subscriptions, tax optimization analysis,  trade rebalancing and generation of billable client plans directly across partner portals and internal systems using APIs and browser automation\n* Automate CRM updates, follow-up emails, onboarding, compliance, reporting, signatures, billing, and document drafting after every meeting\n\nWith Wealor, advisors get their time back. The 80/20 flips while firms finally gain infrastructure they can scale on reliably.\n\n**Why We Started Wealor**\n\nKarim Bouri structured private investments and watched advisors turn down high-performing products, not because they weren't right for clients, but because the back-office work to implement them was too heavy. Clients ended up with the easiest products to process, not the best ones. That left a mark.\n\nHe decided to tackle the problem with longtime friend Pierre Depuydt, former BCG consultant, gold medal winner of the French Math Olympiad, and builder of high-volume financial data systems at Tiffany & Co. Pierre knows exactly what it takes to bring fragmented data, client knowledge, financial information, tax and legal context, into one coherent system. That is precisely what Wealor is built on.\n\n**Our Ask**\n\nWe're looking to connect with RIAs, multi-family offices, trust companies, and tax and estate planning firms.\n\n", "url": "https://www.ycombinator.com/launches/QYc-wealor-the-ai-native-platform-for-wealth-managers", "votes": 25, "created_at": "2026-05-29T01:19:53.534Z" } ] }, { "id": 31391, "name": "HEVN, inc", "slug": "hevn-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9670403b854641364928ce34e110c0d9752c9d8d.png", "website": "https://gethevn.com", "all_locations": "San Francisco, CA, USA", "long_description": "HEVN is a B2B financial platform built for global commerce. We solve the last-mile problem in cross-border payments by working with licensed local payment service providers and settling transactions through domestic payment rails instead of relying on international bank transfers.\r\n\r\nHEVN helps importers and exporters move money between jurisdictions with fewer intermediaries and faster, more predictable settlement. ", "one_liner": "Cross-border payments for exporters of physical goods.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1777498705, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech" ], "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/hevn-inc", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/hevn-inc.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/hevn", "x_url": "https://x.com/hevn_finance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9670403b854641364928ce34e110c0d9752c9d8d.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": 968436, "full_name": "Peter Volnov", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @ HEVN, ex co-founder HOT Labs - Web3 infrastructure company behind a 15M-user wallet, and HERE Wallet - mobile wallet for NEAR Protocol (1M+ app downloads).", "is_active": true, "linkedin_url": "https://linkedin.com/in/pvolnov", "x_url": "https://x.com/p_volnov", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4c4d7110ba29f0675d1dbcd3f09ede71746df0e.jpg" }, { "user_id": 1165920, "full_name": "Nik Briuzgin", "title": "Founder/CPO", "founder_bio": "CPO & Co-founder at HEVN, ex co-founder HOT Labs, ex design lead at Zurp, ex product design at Humble Team", "is_active": true, "linkedin_url": "https://linkedin.com/in/nikitadigital", "x_url": "https://x.com/Nikitadigital10", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0f0bd80cca4d61e0588d6364a0c48a452a1f7de2.jpg" }, { "user_id": 3421444, "full_name": "Pavel Mitsevich", "title": "Founder/CMO", "founder_bio": "Co-founder and CMO at HEVN. Former CMO at HOT Labs, where I helped scale a crypto wallet to 15M MAU and become #1 crypto app by users for 8 month, with 1.2M followers on YouTube. I joined HOT Labs as CMO in 2022, leading marketing, support, and operations, and later became a co-founder. Now we are building HEVN together.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pasha-mitsevich-a417682a0/", "x_url": "https://x.com/mywonder_here", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e7d0d568f57a46a101f71ffa84832659da5fdbdc.jpg" }, { "user_id": 3421425, "full_name": "Andrei Zhevlakov", "title": "Founder/CTO", "founder_bio": "Co-founder & CTO at HEVN. Ex CTO at HOT Labs, where he built infrastructure that secured wallets for 15M users and $100M+ TVL. Ex CTO at HERE Wallet and Software Engineer at Dasha AI. Got my first Software Engineer job when I was 15. CS at ITMO University. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/azbang", "x_url": "https://x.com/azbang_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e449fdbeeb5f679444669ed5190965109055e3a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 100557, "title": "HEVN: Brex for Non-US Internet Companies", "tagline": "Operate in USD — without needing a US entity.", "body": "**HEVN: Brex for non-US companies**\n\n\\*\\*Tl;Dr;\\*\\*\\\nBanking for non-US internet companies is hard. HEVN provides an alternative: open virtual bank accounts in 1 day, get USD cards with 0% FX, and send/receive ACH, SEPA, wires, and USDC.\n\n**The problem**\n\nFor non-US companies, USD banking takes months, requires travel, and often breaks after the first transactions — making it hard to get paid via Stripe, Apple, or run global payroll.\n\nIn practice:\n\n* 2-20 weeks to open an account in UAE or Hong Kong\n* Founders have to fly in-person just to pass KYC\n* $20K+ per year in legal and banking fees\n* Accounts get frozen after first SWIFT transfer\n* Visa charge 2-3% FX fee on USD payments\n\n**At the same time, Brex, Ramp, and Mercury only support US companies with an EIN.**\n\n**What HEVN does**\n\nHEVN is a B2B financial platform that lets global internet companies operate in USD — without needing a US entity.\n\n* Run your business in USD with corporate cards and global payments with 0% FX fees\n* Get named local accounts in EU, US, HK and UAE banks in 1 day\n* Send and receive ACH / SEPA / USDC / wires worldwide\n* (soon) Store USD in FDIC-insured US accounts, even without an EIN\n\n**Video Launch**\\\n\n\n**Backstory**\n\nWe previously built HOT Labs, a Web3 infrastructure company behind a 15M-user wallet.\\\n\\\nWhile operating globally, we kept running into the same problem: banking didn’t work.\n\n* One of us spent 6 months opening a UAE account — only to face an AML check right after the first transaction\n* Another had to fly twice just to open an account\n* We paid \\~$24K/year through a law firm just to maintain banking access — without card support\n\nWe worked with dozens companies, and most of them ended up using stablecoins because traditional banking failed. Now 12 of them - our customers.\n\nWe built HEVN to help global internet companies focus on running and scaling their business, with the same access to US financial services as US companies.\n\nToday, we’re fully ready to serve cumpanies in the UAE and are looking to onboard pilot customers in Hong Kong and Singapore.\n\n**Asks**\n\n* **Do you know any non-US internet company?** - maybe a design studio in Serbia, marketing agency in Hong Kong, or a law firm in the UAE. All of them can start receiving local payments via ACH and run global payrolls.\n* **Did you work at Stripe or Apple Store before?** Any introductions to the team that could help us set up Stripe/Apple payouts to virtual bank accounts would be very helpful.\n* **Are you a YC company based internationally?** you can use HEVN for global baking or stablecoins **completely free**\n\n**Book a demo** or contact: [pv@hevn.finance](mailto:pv@hevn.finance)\n\n![uploaded image](/media/?type=post&id=100557&key=user_uploads/968436/18fbf365-ad30-4e9f-a31e-a38c10a2a146)\n\n_\\*\\* HEVN is a financial technology company, not a bank. Banking services are provided by regulated partner institutions._", "url": "https://www.ycombinator.com/launches/Q9t-hevn-brex-for-non-us-internet-companies", "votes": 14, "created_at": "2026-04-30T00:14:11.329Z" } ] }, { "id": 31393, "name": "KelAI", "slug": "kelai", "former_names": [ "KelAI", "KelAI Capital", "KelAI", "KELAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/173bcf6c0b9d00045db94da34f174baaafeb2255.png", "website": "https://kelaitech.com/", "all_locations": "New York City, NY, USA", "long_description": "Founded by former WorldQuant portfolio manager & head of event driven systematic strategies Jeremie Cohen, KelAI is building the autonomous alpha engine for hedge funds, traders and institutional investors. \r\n\r\nInvestment teams now have more data, tools and compute than ever, but research still runs across siloed systems and inefficient workflows. KelAI turns that fragmented process into a compounding AI-native engine that continuously finds, tests and validates trading signals at a pace no human team can match.", "one_liner": "The AI Quant: Autonomous Alpha Engine for Funds and Traders.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1779077553, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/kelai", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/kelai.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kelai-capital/", "x_url": "https://x.com/kelaicapital", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/173bcf6c0b9d00045db94da34f174baaafeb2255.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": 3403044, "full_name": "Jeremie Cohen", "title": "Founder/CEO", "founder_bio": "Founder and CEO of KelAI. Managed a large global systematic equity book at WorldQuant and lead an ML team at Millennium Management. Nuclear engineer by training.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeremcoh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cc70ed680139ff8181aad82080c0ab8cadaad37.jpg" } ], "jobs": [ { "id": 99248, "title": "Applied AI Engineer", "url": "https://www.ycombinator.com/companies/kelai/jobs/kQn2Z4d-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$130K - $215K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 99249, "title": "Quant Researcher", "url": "https://www.ycombinator.com/companies/kelai/jobs/iXYw0MB-quant-researcher", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 99250, "title": "Senior Infrastructure Engineer", "url": "https://www.ycombinator.com/companies/kelai/jobs/Pposw25-senior-infrastructure-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$170K - $220K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "What Y Combinator's Latest Batch Reveals About The Future", "url": "https://www.forbes.com/sites/dariashunina/2026/06/04/what-y-combinators-latest-batch-reveals-about-the-future/", "date": "Jun 03, 2026" } ], "launches": [ { "id": 102015, "title": "KelAI - Autonomous AI research engine for hedge funds", "tagline": "An agentic AI platform that turns hedge fund research into a compounding system.", "body": "**TL;DR**\n\nKelAI is an AI research engine for hedge funds and institutional investors. It captures the full investment research process in one platform and runs it autonomously, from idea generation to data analysis, backtesting, validation, monitoring, and PM feedback.\n\nI spent six years at WorldQuant managing a large systematic equity book, and before that led machine learning at Millennium Management. I saw firsthand how hedge fund research is constrained by human throughput and lost context. Teams can only explore so many ideas, and much of what they learn gets scattered across siloed systems. I am building KelAI because I lived this problem.\n\nKelAI uses AI agents to turn research into a continuous loop, while keeping every new idea grounded in the fund’s knowledge base.\n\n[](https://www.youtube.com/watch?v=GyqGwltsNjk)\n\n**The Problem**\n\nHedge funds scale with research capacity, but scaling with headcount is expensive and hard.\n\nEvery PM wants more ideas tested, more datasets explored, more hypotheses validated, and more live signals monitored. But even great teams are limited by human bandwidth.\n\nAt the same time, the knowledge they gather is fragmented:\n\nA PM has an idea in a meeting.\n\nA researcher backtests it in their research environment.\n\nA test fails for a useful reason.\n\nA signal works in one universe but not another.\n\nA live model decays.\n\nA risk constraint evolves.\n\nA CIO gives feedback.\n\nThese are all valuable sources of information, but they live across emails, notebooks, chats, dashboards, backtests, meetings, and memory. Most of that context gets lost. Teams repeat work, miss old lessons, and lose institutional knowledge when people move on.\n\n**The Solution**\n\nKelAI unifies the research loop into one continuous workflow, empowering institutional investors with an AI research team they can scale on demand, while capturing the full context so every cycle improves the next one.\n\nIt connects to a fund’s data, mandate, universe, risk rules, and research history. \\\nThen AI agents run the full research process autonomously:\n\n\\- Generate trading signal ideas.\n\n\\- Write and test research code.\n\n\\- Analyze market, fundamental, proprietary, and alternative data.\n\n\\- Run backtests and validation.\n\n\\- Track why ideas worked or failed.\n\n\\- Monitor live signal performance.\n\n\\- Learn from PM feedback and prior research.\n\nKelAI does not remove humans from the loop. PMs still manage the portfolio and own the decisions. \n\n**Why Now**\n\nAI agents can now do more than answer questions. They can write code, query data, run long workflows, test hypotheses, and keep context across repeated research cycles.\n\nThat matters in hedge funds because alpha is not just one idea. It is the process of finding, testing, improving, rejecting, and combining many ideas over time.\n\nKelAI turns that process into software.\n\n**Why Us**\n\nThe hard part is not saying \"AI for hedge funds.\" The hard part is knowing how hedge fund research really works.\n\nI built KelAI from experience. I managed a large systematic equity book at WorldQuant, worked on machine learning at Millennium Management and worked on data engineering at SolveBio.\\\nI have spent my career building systems that turn data into decisions.\n\nKelAI is designed around the real workflows of institutional investors: data rights, IP boundaries, risk limits, research output, reporting language, and portfolio manager preferences.\n\n**Traction**\n\nKelAI has been deployed with an institutional investor, and its signals have been running since October 2025, demonstrating that it delivers valuable alpha in production. KelAI also has commitments from prominent institutional players and is in active conversations with several large hedge funds and financial institutions.\n\n**Ask**\n\nIf you run capital, research, data, or innovation at a hedge fund or institutional investment firm, I would love to talk.\n\nWe are also hiring senior ML engineers and quant engineers who want to build the autonomous research engine for markets.\n\nEmail us at [contact@kelaicapital.com](mailto:contact@kelaicapital.com).\n\nFor job applications visit ", "url": "https://www.ycombinator.com/launches/QXP-kelai-autonomous-ai-research-engine-for-hedge-funds", "votes": 43, "created_at": "2026-05-27T13:24:07.670Z" } ] }, { "id": 31420, "name": "Kimpton", "slug": "kimpton", "former_names": [ "Kimpton AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dc55a7e4190cac127494553294ea19379fdf8fc3.png", "website": "https://kimpton.ai", "all_locations": "New York City, NY, USA; Remote", "long_description": "In investment management, every decision gets graded. The market prints the answer on a date known in advance, and nobody gets to argue with it.\r\n\r\nKimpton is financial AI that answers to reality. Kimpton OS is the AI-native operating system for investment teams: it does the research and hands PMs structured trades. EarningsBench is a public benchmark where models forecast quarterly earnings before companies report and the reported numbers do the scoring. Koliseum is the set of point-in-time financial environments we build from that work, for labs to train and evaluate models on.\r\n\r\nThe whole industry is fighting underperformance. Active managers trail their benchmarks, and capital keeps bleeding into passive. AI was supposed to fix that, but it hasn't. Funds either stitch together a dozen point tools or babysit general agents all day, and neither gets them to the trade.\r\n\r\nKimpton OS goes straight to it. It ingests a fund's mandate, strategy, and positions, connects to the institutional data the fund already runs on, and returns a structured trade proposal built for that fund. It's built to disagree, because consensus is poison for investment decisions. Instead of telling a PM what they want to hear, it surfaces the breaches and risks they'd otherwise miss.\r\n\r\nThat same work is how we grade AI. Static benchmarks leak into training data. Simulations reward what their authors imagined. A forecast sealed before the outcome exists and scored when the company reports can't be rehearsed or backdated. We started in markets because they're the one place reality answers on schedule.\r\n\r\nWe're two ex-Goldman engineers and an ex-SpaceX engineer. We left to start our own quantitative systematic hedge fund, raised $10M from a family office at 21 and 22, and scaled it to $35M over four years. We learned to trust live results over historical fit. We built Kimpton inside that fund, then productized the stack.\r\n\r\nWe're live with our first institutional client, a $3.3B manager. Our first market is fundamental equity funds from $1B to $10B, and the labs that need to know whether their models can do this work.", "one_liner": "Live Evaluation Arenas for Financial Work", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1774039716, "tags": [ "B2B", "Investments", "Trading", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/kimpton", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/kimpton.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kimptonai/", "x_url": "https://x.com/KimptonAI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dc55a7e4190cac127494553294ea19379fdf8fc3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c05d88c003c84f66eaf06c1307a17c8a6414383c.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0d617461c065ef1783493363bb0e3ba302b96fcf.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 3054189, "full_name": "Jack Zumwalt", "title": "Founder/CEO", "founder_bio": "Co-founder, CEO @ Kimpton AI (YC P26). Building live evaluation arenas for financial work.\n\nJack ran systematic strategies and managed daily operations of Level III Capital, a quantitative systematic trading firm he co-founded after raising $10M to seed the fund at the age of 22.\n\nPrior to that, he was a detection engineer at Goldman Sachs, writing algorithms to detect malicious threat actors who were trying to cyber attack the investment bank. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jack-zumwalt/", "x_url": "https://x.com/jackzumwalt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a585e8e607ecb06564580ecac15424b2a6689fa9.jpg" }, { "user_id": 3486330, "full_name": "Adrian Del Bosque", "title": "Founder/Founding Engineer", "founder_bio": "Co-founder, Founding Engineer @ Kimpton AI (YC P26). Building live evaluation arenas for financial work.\n\nAdrian was a founding engineer at Level III Capital, a quantitative systematic trading firm, where he built the trading infrastructure. Prior to that, he was a Senior Cloud & Platform Engineer at Vistra, managing the cloud infrastructure behind the monitoring application for its 44,000 megawatt power generation fleet. He began his career at SpaceX as part of the Automation & Controls team.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adriandelbosque/", "x_url": "https://x.com/adriandelb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7170a9e1b4b9407448c4642c76bf9282ed68d3ff.jpg" }, { "user_id": 3193138, "full_name": "Mauricio Ortiz", "title": "Founder/CTO", "founder_bio": "Co-founder, CEO @ Kimpton AI (YC P26). Building live evaluation readings for financial work.\n\nMauricio oversaw the entire technical implementation of the investment process, from research to trade execution, at Level III Capital, a quantitative systematic trading firm he co-founded after raising $10M to seed the fund at the age of 21.\n\nPrior to that, he was part of the critical infrastructure team at Goldman Sachs which handled systems for its consumer bank and the Apple Card. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ortizmauricio01/", "x_url": "https://x.com/ortizmauricio_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b89b45ec14d8f2262c93fd6385c2635f6e1ccb59.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 117920, "title": "EvalRouter by Kimpton: One API for AI evaluation", "tagline": "Evaluate any model against any benchmark", "body": "\n![uploaded image](/media/?type=post&id=117920&key=user_uploads/3054189/67ffcd7e-40fd-40ff-81ad-cacb271d97b1)\n\nWe’re Jack, Mauricio, and Adrian, the founders of Kimpton (YC P26). Today we’re introducing **EvalRouter**.\n\nOne API for evaluating any model against any benchmark.\n\n\n\nWe built it because running an evaluation still means setting up a harness, provisioning sandboxes and babysitting long jobs. Model builders need to repeat this work as their models change and they add new benchmarks.\n\nWith EvalRouter you name a model and a benchmark and get graded results back. Choose a managed model or connect your own endpoint, select a benchmark version and set a spending cap. EvalRouter runs the evaluation and returns the results with the recorded answers and execution details. You can inspect what happened and export the report.\n\nCheckout the demo:\n\n\n\nBefore Kimpton, we built and ran a quantitative fund together. Mauricio and I previously worked at Goldman Sachs, and Adrian worked at SpaceX and Vistra. We raised $10M from a family office, built our own research and automated trading systems, and scaled the fund to $35M in assets. At Kimpton, we’ve been building benchmarks and environments to evaluate AI models. EvalRouter makes those evaluations accessible through one API.\n\nRun your next evaluation at . If you build models or maintain a benchmark, we’d like to hear from you. Reach us at [founders@kimpton.ai](mailto:founders@kimpton.ai).", "url": "https://www.ycombinator.com/launches/Ufw-evalrouter-by-kimpton-one-api-for-ai-evaluation", "votes": 6, "created_at": "2026-10-01T21:50:20.304Z" }, { "id": 113565, "title": "Koliseum by Kimpton, Live Evaluation Arenas for AI Models", "tagline": "Real-world market interaction environments, starting with financial markets", "body": "Today we're launching **Koliseum** by [Kimpton](https://bookface.ycombinator.com/company/31420), live evaluation arenas for AI models in financial work.\n\n**The problem**\n\nStatic benchmarks are contaminated soon after publication, and simulations reward the assumptions their designers encode. \n\nThis simply isn't acceptable in finance or any other professional industry. A wrong answer or action can be catastrophic and reality eventually shows whether the claim was right. Almost no evaluation waits to find out.\n\n**Koliseum**\n\nBefore Kimpton, we ran a quantitative fund. Backtests never proved alpha; live markets did. Koliseum applies the same test to models: a model commits inside an arena, the record is sealed, and reality supplies the grade.\n\nTwo kinds of arenas:\n\n* **Prediction Arenas** seal a forecast before the outcome exists and score it against consensus, market, and statistical baselines when reality resolves.\n* **Action Arenas** give a model a bounded task and real tools, then verify success from the resulting system state.\n\n![uploaded image](/media/?type=post&id=113565&key=user_uploads/3054189/789d031b-cca8-4596-8921-dbc9f1544cb4)\n\nThe first Prediction Arena is already running. **EarningsBench** seals earnings forecasts for public companies 24 hours before each release and scores them against consensus and a statistical baseline once results are public.\n\nTwo things are already clear: most open-weight models reproduce consensus exactly, and a simple statistical baseline is harder to beat than a leaderboard alone would suggest.\n\nAlong with these developments, we are introducing a new concept in evaluation: **reality-as-a-judge**.\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=113565&key=user_uploads%2F3054189%2Fc6c1ba2c-4e77-4ebc-be71-675f0abd71a6&variant=large)\n\nMost open-ended evaluations are graded by another model or by a human rubric, so the score inherits the grader's assumptions. In reality-as-a-judge, the grader is the outcome itself.\n\n[More info on Koliseum](https://www.kimpton.ai/koliseum)\n\n[Methodology](https://www.kimpton.ai/methodology)\n\n**Our ask**\n\nReach out if:\n\n* You work on post-training or evals at a lab and want your model in the first private cohort. Results stay private unless you publish them.\n* You run a trading firm or a prediction venue and want models scored on your own resolving questions, or want to co-run a public arena.\n* You have a workflow (any industry!) with a verifiable end state and want it turned into an Action Arena.\n\nor know anyone who does.\n\nWrite to us at [founders@kimpton.ai](mailto:founders@kimpton.ai). Thanks for the support!", "url": "https://www.ycombinator.com/launches/TXh-koliseum-by-kimpton-live-evaluation-arenas-for-ai-models", "votes": 3, "created_at": "2026-09-02T16:01:08.067Z" }, { "id": 102078, "title": "Kimpton: Cursor for portfolio managers", "tagline": "AI-native terminal where agents do the research and propose the trades", "body": "**TL;DR** AI can’t trade, but portfolio managers can. Kimpton combines high-resolution public financial markets data, portfolio manager strategy/mandate, portfolio holdings, and transaction data to generate trade ideas for managers.\n\n\n\n**Our Background**\n\nWe are former Goldman Sachs and Vistra Energy engineers who started a quantitative hedge fund together in 2021 after raising $10M from a family office at the ages of 22 and 21 years old, scaling it to $35M at its peak.\n\nWe spent four years systematically trading using the tools that we built in-house to support our systems. Internally, we developed Kimpton to automate many of our own workflows.\n\n![uploaded image](/media/?type=post&id=102078&key=user_uploads/3054189/7f252d74-65d7-4557-92f0-59383e3a782a)\n\n**The Problem**\n\nAI can’t trade. After all, LLMs are the most overfit backtest in all of human history. They are consensus machines and sycophantic by nature. As a result, AI goes largely unused by portfolio managers today.\n\nAgents finally had depth in 2025. We tested LLMs on the markets and were unimpressed with the output. LLMs can’t trade because they are consensus machines and sycophantic by nature. They lack the edge that portfolio managers provide.\n\nAI can’t trade like a portfolio manager, but they can research at 100X the efficiency of an investment analyst. For this reason, Kimpton revolves around the portfolio manager, solving increasingly all of the workflows that they need.\n\nAnalysts spend weeks aggregating data and synthesizing it to generate singular trade ideas that are passed up to portfolio managers for review. It’s time for a change.\n\nInvestment management is built on the idea that analysts and PMs need to spend their days staring at screens all day to find edge in the markets. \n\nTo refactor the investment management industry, we can’t simply provide better tools. We have to automate the entire research layer instead.\n\n**The Solution**\n\nKimpton automates the analysis layer by securely ingesting firm-wide context, portfolio, and transaction data to synthesize fully-formed trade recommendations fitted to their portfolio.\n\nPortfolio managers can challenge the results of the trade proposals through a process we call Adversarial Review, an agentic Socratic questioning to assist portfolio managers in coming to their own conclusions.\n\n![uploaded image](/media/?type=post&id=102078&key=user_uploads/3054189/62ecf56b-91f8-4c4d-a883-6a8be7df6108)\n\nWe developed a harness specifically for the financial markets to make aggregation efficient, fast, and accurate. It has access to high-quality institutional data sources through Factset, Massive, and Tiingo. Real-time data on tens of thousands of global assets across equities, ETFs, indices, insider trades, SEC filings, events, transcripts, company fundamentals, corporate leadership, and more!\n\nOur AI agents also provide portfolio managers with the ability to generate many different types of artifacts, such as real-time dashboards, institutional-grade reports, and comprehensive visualizations.\n\n**Traction**\n\nKimpton is deployed and generating trade proposals on billions of dollars of assets under management today.\n\nPortfolio managers are using Kimpton to monitor their exposures, understand investment thesis drift, earnings coverage, manage positioning across teams, investor reporting, and as an investment team collective brain.\n\nPortfolio managers are underserved today when the potential to refactor the way they work is massive. Kimpton is focused on improving the lives portfolio managers who are actively making decisions in the public markets.\n\n**Ask**\n\nIf you know anyone who manages assets a hedge fund, family office, mutual fund, ETF manager, or other public markets manager — we’d love to speak with them.", "url": "https://www.ycombinator.com/launches/QYQ-kimpton-cursor-for-portfolio-managers", "votes": 9, "created_at": "2026-05-28T07:12:24.038Z" } ] }, { "id": 31440, "name": "Mount", "slug": "mount", "former_names": [ "Cybe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa5208859312a795f7e72dfb9eb2a5149785a216.png", "website": "https://mount.insure", "all_locations": "San Francisco, CA, USA", "long_description": "TLDR: Mount is building the AI insurance carrier, starting with liability coverage for deployed AI agents. As everyone moves AI Agents into production and gives them more responsibility, we help businesses insure and secure them.\r\n\r\nWhenever responsibility shifts from human operators to autonomous systems, so too does the liability that accompanies it. The systems also introduce new risks: agentic software failures, prompt injection attacks, autonomous workflow errors, data leaks, and more.\r\n\r\nLegacy insurance was not built for this. Existing policies are often silent, ambiguous, or exclude autonomous software, and traditional insurers lack the data and technical capability to assess deployed AI Systems.\r\n\r\nOur first product, the Mount AI Liability Policy, is built for mid-market and enterprise companies deploying autonomous AI agents in real business processes. We scan and red-team AI deployments, quantify operational risk, help fix vulnerabilities, and insure the residual risk with purpose-built AI liability coverage.\r\n\r\nMount is best thought of as a highly automated version of today's commercial insurance carriers, which run on manual workflows, layers of intermediaries, and tens of thousands of employees. AI enables automation of underwriting, pricing, policy issuance, claims, fraud detection, customer support, and distribution. We believe that the best way to use this opportunity is to rebuild those processes from the ground up. ", "one_liner": "The AI Agent Insurance Carrier", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1775605248, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/mount", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/mount.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/mountyc26/posts/?feedView=all", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa5208859312a795f7e72dfb9eb2a5149785a216.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": 1458269, "full_name": "Fabian Amherd", "title": "Founder", "founder_bio": "Founder at Mount (YC P26) | Mount insures companies against AI risks.\n\nI studied Computer Science at ETH Zürich, focusing on machine learning. At MESH, an ETH robotics spin-off, he built and deployed custom CNNs for real-time object detection in industrial robotics. Before that, he founded and ran a web development company for 3.5 years, starting at age 16. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fabianamherd/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e48445f6df9492ee1ff4f7f1a012287b0283a757.jpg" }, { "user_id": 3284831, "full_name": "John Bachmann", "title": "Founder", "founder_bio": "Founder at Mount (YC P26) | Mount insures companies against AI risks. \n\n... \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/john-bachmann-844978301?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/c18569ab9dd6d0d26e699b9409464f2eaa865153.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 101822, "title": "Mount - The AI-Agent Insurance Carrier", "tagline": "As AI Agents move into production, we help businesses insure and secure them.", "body": "**TLDR: Mount sells liability insurance for companies deploying AI agents in production. We scan and red-team the agent workflow, reduce failure modes, and insure the residual risk with purpose-built AI-agent liability coverage. Mount helps companies manage AI risk and unlock AI Agent adoption at scale.**\n\n> “I think this is a great idea. First of all, I’ve been waiting for more people to do this. \\[…\\] Insurance is shockingly important to how society works. No one is doing a good job of underwriting this right now.” - Sam Altman on Mount\n\n# \n\n\n\n# AI Agents Need Insurance\n\nThe bottleneck for the economic impact of AI Agents has moved from capability to production-grade reliability and trust. The models are, by far, smart enough for a broad range of use cases, yet many pilot projects are struggling to transition into production.\n\nAI agents now write code, handle customer data, move money, and update records. The more responsibility we give AI systems, the more liability shifts from humans to autonomous systems.\n\nCompanies are faced with a simple but impactful question:\n\n“**Who is liable if AI systems fail or cause financial harm**?”\n\nToday, the answer is unclear.\n\nExisting insurance policies are often silent, ambiguous, or exclude autonomous software, simply because they were created many years ago. The insurers behind them don’t want to cover this. They lack the data, the knowledge, and the speed to assess deployed AI systems.\n\nFor real production agents, “maybe covered, potentially disputed” is not good enough.\n\n# Why now\n\nInsurance is one of the most heavily regulated industries in existence, creating durable moats that do not shrink even as we progress towards AGI. We are starting now because we believe this market will become obvious in the next 6–12 months:\n\n* Agent adoption is accelerating.\n* As agents gain capability, companies give them more responsibility to profit from it.\n* Like with any technology, companies will need a risk-transfer mechanism before deploying it in high-stakes workflows.\n* Existing cyber and E&O carriers will not want to silently absorb autonomous-agent losses. They do not understand this risk and lack the speed to keep up. We are already seeing a first wave of AI-related exclusions.\n\n# What Mount Does\n\nToday, we’re announcing **Mount AI Agent Liability Insurance**, our first product.\n\nIt is designed for mid-market/enterprise companies deploying autonomous AI agents in real business processes.\\\nHere’s what it does:\n\n1. Scan and red-team the AI deployment.\n2. Quantify the operational risk and secure vulnerabilities.\n3. Insure residual risk with purpose-built AI liability coverage.\n\nThis product delivers peace of mind for thousands of AI-native companies conquering their industries.\n\n# Vision\n\nMount is best thought of as a highly automated commercial insurance carrier.\n\nToday, commercial insurance runs on manual underwriting, slow pricing, paper-heavy policy issuance, brokers, MGAs, TPAs, claims handlers, and large back-office teams. AI changes that. It allows us to automate underwriting, pricing, issuance, claims, fraud detection, customer support, and distribution from the ground up.\n\nOur first product is AI liability insurance. That is the right wedge because AI risk is new, poorly understood, and difficult for traditional carriers to underwrite. But the bigger vision is not to remain in a single niche. We want to use AI liability as the initial beachhead, build the underwriting and operating infrastructure, and then expand aggressively into additional commercial insurance lines.\n\nThe goal is simple: to offer faster, cheaper, and better coverage than incumbents by rebuilding the carrier stack with AI at its core.\n\n# Team\n\nFabian studied CS/ML at ETH Zürich before dropping out and has been building AI systems for 6+ years. While building his last startup, he saw firsthand how technically performing systems get blocked on their way to production if they can't build trust and prove reliability.\n\nJohn previously founded an AI-first media company at 18 after dropping out of high school and scaled it to $400K in revenue. Automating every step from intake to fulfillment, he knows what it means to rebuild traditional processes from the ground up.\n\n![uploaded image](/media/?type=post&id=101822&key=user_uploads/3284831/de838c30-d8d1-4fbf-a56c-7b559c42a561)\n\n---\n\n## Get in touch\n\nIf you are deploying AI agents, looking to insure AI-related risks, or interested in investing in the next generation of commercial insurance, we’d love to talk.\n\n📩 Email us at: [fabian@mount.insure](mailto:fabian@mount.insure) \\\n📅 Or book a meeting here. ", "url": "https://www.ycombinator.com/launches/QUI-mount-the-ai-agent-insurance-carrier", "votes": 181, "created_at": "2026-05-22T18:49:14.885Z" } ] }, { "id": 31447, "name": "Allowance", "slug": "allowance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c21d6adefff883f7581e72ca876529eba262eb64.png", "website": "https://useallowance.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Allowance lets AI agents make purchases on a user’s behalf without ever exposing your real card number.\r\n\r\nUsers approve purchases directly from their iPhone with customizable controls like spending limits, merchant restrictions, and expiration windows. Once approved, Allowance generates scoped, one-time payment credentials designed specifically for that transaction.\r\n\r\nThis enables AI agents to safely complete tasks like shopping, ordering food, booking reservations, or purchasing tickets while keeping humans in control of every payment.", "one_liner": "The spend control layer for AI agents", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1779136455, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/allowance", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/allowance.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://x.com/dasmersingh", "x_url": "https://x.com/dasmersingh", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c21d6adefff883f7581e72ca876529eba262eb64.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": 330737, "full_name": "Dasmer Singh", "title": "Founder/CEO", "founder_bio": "Dasmer Singh is the founder of Allowance, a platform building programmable payment controls for AI agents. Previously he was Head of Product for Cash App Families, where he built financial products for teens and parents. Earlier he worked at Uber, Petal, and Venmo. He studied at Columbia University and Stanford Graduate School of Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dasmer", "x_url": "https://x.com/dasmersingh", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a6fd23569b3f4da9576f64dd391ce6dc02aac5ff.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 101684, "title": "Allowance: Virtual cards for AI agents", "tagline": "Let AI shop for you without exposing your card.", "body": "**TL;DR:** Allowance lets AI agents safely make purchases on behalf of users using one-time virtual cards with built-in guardrails.\n\n\n\n## The Problem\n\nAI agents can now browse websites, research products and complete real-world tasks autonomously, but they cannot complete purchases for you.\n\nUsing AI to buy something usually has meant pasting your real credit card into a prompt and giving an agent unrestricted spending access. That’s dangerous.\n\n## The Solution\n\nAllowance solves this by giving AI agents one-time virtual cards with approval controls and built-in limits. The AI agent never sees the user’s real card number.\n\nUsers can:\\\n• limit spending amounts\\\n• restrict purchases to specific merchants\\\n• approve or deny purchases in real time\\\n• revoke access anytime\\\n• continue using their existing credit cards and rewards\n\nThis unlocks entirely new use cases for AI-powered commerce:\\\n• planning and booking travel, hotels, and flights autonomously within user-defined limits\\\n• tracking products that are out of stock and instantly purchasing them when inventory returns\\\n• securely placing food orders, reservations, ticket purchases, and ecommerce checkouts on a user’s behalf\\\n• monitoring prices and automatically buying when something drops below a target price\\\n• using AI not just to research products, but to actually complete the purchase end-to-end\\\n• letting agents handle repetitive purchases and checkouts across the web\n\nThe recent progress in AI agents, new payment protocols, and browser automation makes it increasingly clear that agents will eventually transact across the internet on behalf of users. Safe guardrails and user-controlled payments infrastructure are the missing layer that makes this possible.\n\nI’ve been using Allowance to place real-world purchases through AI agents including food orders, reservations, and ecommerce checkouts using one-time virtual cards with approval controls.\n\n## The Ask\n\nTry the product, tell me what you’re using it for, how it could better fit into your life, and share feedback. Start here: [useallowance.com](https://useallowance.com/)\n\nI’d especially love to hear new ideas for agentic purchasing use cases and guardrails.\n\n## About Me\n\nI’m Dasmer, founder of Allowance.\n\nI started building Allowance after running into this problem myself while trying to book a reservation using OpenClaw. The agent successfully navigated the flow, but then asked me to paste in my credit card number to hold the reservation. That felt fundamentally wrong — and made it obvious the missing layer for agentic commerce was safe, user-controlled payments.\\\nBefore Allowance, I was Head of Product for Cash App Families, where I helped grow Cash App into the most popular debit card for teens in the US. Earlier in my career, I was also an early iOS engineer at Venmo.\n\n![uploaded image](/media/?type=post&id=101684&key=user_uploads/330737/fffdfc03-e875-4f97-bccf-c3dcaf1f7b30)\n\n", "url": "https://www.ycombinator.com/launches/QS4-allowance-virtual-cards-for-ai-agents", "votes": 62, "created_at": "2026-05-22T06:02:12.944Z" } ] }, { "id": 31450, "name": "River Markets", "slug": "river-markets", "former_names": [ "Centos Group" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1d52c6b2c2316334447d190e02bf6f2665c34ccb.png", "website": "https://www.rivermarkets.com", "all_locations": "San Francisco, CA, USA", "long_description": "River Markets is the prime brokerage for prediction markets. We aggregate every major event-contract venue into one account, giving professional traders best execution, portfolio and order management systems, and a unified API.", "one_liner": "Prime brokerage for prediction markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1779315257, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech" ], "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/river-markets", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/river-markets.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/rivermarkets", "x_url": "https://x.com/river_markets", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1d52c6b2c2316334447d190e02bf6f2665c34ccb.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": 3335672, "full_name": "Oscar Levy", "title": "Founder/CEO", "founder_bio": "Co-Founder at River Markets. Previously quant at BlackRock managing models trading $6B, Sandbar Asset Management ($2B AUM hedge fund). MA Financial Engineering from UC Berkeley.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oscar-levy/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ee34e4d67951d74d4882edd7b3796095aeaf9e1.jpg" }, { "user_id": 3278185, "full_name": "Antonin Parrot", "title": "Founder/CTO", "founder_bio": "Co-founder of River Markets, the prime broker for prediction markets. I have a background in engineering and CS, and I've been working as a quant at a high frequency option market making trading shop.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/antonin-parrot-a16625196", "x_url": "https://x.com/antonin_parrot", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c716d5d3820514c6c82f6b43e1183454ebd08b63.jpg" } ], "jobs": [], "news": [ { "title": "Exclusive: River Markets announces $8.5 million seed round to build prediction market trading tools for institutions | Fortune", "url": "https://fortune.com/2026/08/11/exclusive-river-markets-seed-round-prediction-market-trading-tools-institutions/", "date": "Aug 11, 2026" } ], "launches": [ { "id": 101842, "title": "River Markets - The prime broker for prediction markets", "tagline": "River Markets allows funds and pro traders to focus on alpha by handling their execution and trading infrastructure", "body": "**TL;DR**\n\nRiver Markets is the prime broker for prediction markets. Trade across Kalshi, Polymarket, Polymarket US and Novig with smart order routing and advanced execution: icebergs, pegs, stop-losses, and take-profits. Manage orders, P&L, and risk across venues from a single view. Use our API, with one ticker schema across exchanges, to run systematic strategies without rebuilding connectors.\n\n**Ask**:  If you’re a fund or professional trader interested in prediction markets, we’d love to talk. Reach us at [contact@rivermarkets.com](mailto:contact@rivermarkets.com)\n\n\n\n**Problem**\n\nFor hedge funds and pro traders, prediction markets are a pain to trade:\n\n* **Existing platforms are built for retail :** Traders juggle tabs, work limit orders venue by venue, and babysit fills trade by trade. Hours that should go to alpha go to ops.\n* **Liquidity is fragmented.** Exchanges have different prices on the same market, and there's no way to trade on both books at the best price.\n* **API integrations are a nightmare :** Constantly changing and breaking, systematic traders end up spending more time fixing exchange connectors than producing alpha\n\n**How we solve it**\n\nRiver Markets is the advanced trading platform for prediction markets. \n\nOne account, every venue, professional tooling.\n\n**Trading Terminal**\n\n* Advanced execution: icebergs, pegs, take-profits, stop-losses\n* Smart order routing: trade assets with the same resolutions on all exchanges, at the best price. **This alone improves pricing by up to 50%.**\n* Unified OMS: place, edit, and cancel orders across venues from a single Multi-Book view that handles hundreds of markets at once\n* P&L attribution\n* Sub-accounts to separate strategies or desks\n\n![uploaded image](/media/?type=post&id=101842&key=user_uploads/3335672/edc9538a-d8f9-4e7c-882c-271ea89a0d9d)\n\n**Institutitional grade API**\n\n* Infrastructure built for institutional-grade latency\n* Unified asset ID system across venues, so you write integration code once\n* Historical orderbook and trade data\n* Same advanced order types as the terminal: pegs, icebergs, SL/TP\n\n**Traction** \n\n* **$50M+** traded on the platform\n* **200% week-over-week growth** since the start of April\n* Used by **3 of the top 10 traders on Kalshi and Polymarket**, plus several quant funds running on our API\n\n### **Who we are**\n\nBefore River Markets, **Oscar** built models trading multi-billion dollar portfolios at BlackRock. **Antonin** built high-frequency trading strategies at Valkyrie.\n\nWe started writing prediction-market algorithms on nights and weekends and realized two things: this asset class is maturing faster than anything we've seen before, and the infrastructure gap between it and traditional markets is the only thing keeping professional capital out. We're closing that gap.\n\nCheck out our website : [rivermarkets.com](http://rivermarkets.com)", "url": "https://www.ycombinator.com/launches/QUc-river-markets-the-prime-broker-for-prediction-markets", "votes": 15, "created_at": "2026-05-26T05:44:45.533Z" } ] }, { "id": 31451, "name": "Masterpiece", "slug": "masterpiece", "former_names": [ "Archer" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed4420b560c26926fdea2bf9ca3f82e062da887b.png", "website": "https://masterpiecelabs.xyz/", "all_locations": "New York City, NY, USA", "long_description": "We believe AI will be one of humanity’s next great masterpieces. Building it will require financial infrastructure as ambitious as the companies creating it. We're founders backed by Y Combinator building the financial rails underpinning the AI data economy.\r\n\r\nMasterpiece provides short term working capital to data vendors that sell training data, evaluation work, and reinforcement learning environments to frontier AI labs.\r\n\r\nA major financing gap exists in this market. Data vendors often need to pay contributors and fund operations before a lab has completed QA, accepted the work, and paid the invoice. This creates a 30 to 90 day cash gap between when vendors incur costs and when they receive payment. Legacy invoice lenders have little visibility into how to underwrite these assets.\r\n\r\nMasterpiece closes that gap by advancing capital against high quality lab contracts and invoices. Vendors can use the capital to scale delivery, pay contributors, and fund growth, then repay masterpiece when the lab payment arrives.", "one_liner": "Working capital for data companies training frontier AI", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1776977656, "tags": [ "Crypto / Web3", "Lending", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "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/masterpiece", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/masterpiece.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/masterpiecelabs/", "x_url": "https://x.com/masterpiece_lab", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed4420b560c26926fdea2bf9ca3f82e062da887b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/f46e96f00413291a0ab76fb895f43b63d4e951fe.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 963292, "full_name": "Benjamin Nguyen", "title": "Founder/CEO", "founder_bio": "Co-founder, CEO at Masterpiece (YC P26).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benjaminnguyen206/", "x_url": "https://x.com/bennewgen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c6e70c59e29634c884dbbc9f775b8a75f602fdb.jpg" }, { "user_id": 3172853, "full_name": "Vivek Yanamadula", "title": "Founder/CTO", "founder_bio": "Co-founder, CTO @ Masterpiece | Ex-AWS, B.A./M.S. CS @ Columbia University", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivekyy/", "x_url": "https://x.com/VivekYanamadula", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9b32f2075335bce0e5463e0c1417ce7866b5ef09.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 116872, "title": "Masterpiece: Invoice-backed loans for data companies selling to the frontier labs", "tagline": "Working capital for data companies training frontier AI", "body": "**TLDR:** Masterpiece finances the AI data economy. We provide short-duration, invoice-backed loans to AI data vendors while their work is in QA review and they wait through Net 30–90 payment terms. We advance capital against expected payments from frontier labs, giving vendors the working capital to keep operating and producing data for the frontier labs.\n\nLaunch Video: \n\n**Problem**\n\nFor AI data vendors, financing frontier AI demand is broken:\n\n* Vendors front the costs: They pay contributors and fund delivery before labs finish QA, accept the work, and pay.\n* Cash is locked up for 30–90 days: QA reviews and payment terms create a major working-capital gap just as vendors need cash to take on more work.\n* Legacy lenders don’t understand AI data: Traditional invoice lenders lack the context to underwrite QA status, lab counterparties, and data contracts properly.\n* Existing financing is slow and expensive: When capital is available, underwriting can take weeks and come with high fees, making it poorly suited to fast-moving AI data businesses.\n\n**How we solve it**\n\nMasterpiece closes the 30–90 day cash gap by advancing capital against high quality lab contracts and invoices. We underwrite AI data vendors based on their invoices, payment history, data quality, and financials, allowing qualified vendors to access working capital in 2–4 days instead of weeks. \n\nWe power these loans through two scalable sources of liquidity: **institutional credit and our stablecoin, $USDml.** Private credit funds and banks provide dedicated lending capital, while $USDml creates a crypto native liquidity pool where users stake stablecoins to fund Masterpiece loans and our haircut capital requirements to earn a target 8–12% yield from the interest generated.\n\n**Traction** \n\n**In 3 weeks, we’ve:**\n\n* **Closed a $10m+ warehouse lending facility from an institutional credit fund**\n* **$65m+ in signed LOIs from some of the top data vendors and RL environment**\n* **$200k in loans earning 24% APY**\n\n**Who we are**\n\n* **Benjamin Nguyen (CEO):** B.S Operations Research at Columbia University. 2x founder. Previously COO at Absinthe Labs, where he helped scale the company to 50+ enterprise customers across the crypto ecosystem and led go to market, partnerships, customer success, and operations.\n* **Vivek Yanamadula (CTO**): BA, Mathematics @ Columbia University. MA Computer Science @ Columbia University. Previously full stack engineer at Amazon on the AWS marketing team. Published researcher in Quantum and AI computing at IEEE QCE under Dr. Ronghui Gu, CertiK founder.\n\n**Ask**\n\nIf you're a data vendor in need of financing against your invoices and datasets, we’d love to talk.\n\nFeel free to email me at [ben@masterpiecelabs.xyz](mailto:ben@masterpiecelabs.xyz) or book a time here: ", "url": "https://www.ycombinator.com/launches/UP2-masterpiece-invoice-backed-loans-for-data-companies-selling-to-the-frontier-labs", "votes": 4, "created_at": "2026-09-28T14:56:34.449Z" } ] }, { "id": 31457, "name": "ValCtrl", "slug": "valctrl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e3baf656ebe6d7298a56a2799b4143c1d8a6e653.png", "website": "https://valctrl.com", "all_locations": "New York City, NY, USA", "long_description": "ValCtrl is building the intelligent prediction market: users type any public, resolvable belief about the future, ValCtrl structures it, prices it, and lets them trade it. Today’s prediction markets only support pre-listed questions, leaving user beliefs fragmented across venues, contract wording, rules, and proxy markets. ValCtrl’s world model maps typed beliefs to relevant market signals, evaluates basis risk, prices the claim, and moves toward model-priced liquidity where ValCtrl can take the other side with risk and compliance controls. We are starting from hard belief-to-market queries and building toward a market where anything that can be resolved can be priced.", "one_liner": "ValCtrl is building the only intelligent prediction market", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1779922059, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/valctrl", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/valctrl.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://x.com/ValCtrl", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e3baf656ebe6d7298a56a2799b4143c1d8a6e653.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2458948, "full_name": "Sarth Garg", "title": "Founder/CEO", "founder_bio": "---", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sarkgarg/", "x_url": "https://x.com/gargsarthak678", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8c7389f5b9bca0be6194fd10dacbf870e771b40.jpg" }, { "user_id": 2979857, "full_name": "Gaurav Paliwal", "title": "Founder/CTO", "founder_bio": "Just building.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/qaurav/", "x_url": "https://x.com/qavrav", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2783c37c25d7f944b7663e0bc25f13a5d7bc30b6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 31464, "name": "Soria", "slug": "soria", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/05b2506991797891dcda24e0fe6be2c7f7a60423.png", "website": "https://www.soriaanalytics.com/", "all_locations": "New York City, NY, USA", "long_description": "Soria is an AI-native Financial Terminal for investors who specialize in a particular sector, starting with healthcare. Our agents convert hundreds of the most important public and private sources into an always-on financial model, reviewed by domain experts and delivered to hedge funds, banks, and asset managers through a terminal UI, MCP, API, warehouse sync, and research feed. Unlike our competitors, we own the data layer and expand bottom-up, one sector at a time - additionally our agents proactively do research on behalf of our clients without them lifting a finger or sharing any data.", "one_liner": "AI Financial Research Terminal built for Healthcare (and beyond)", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1779835583, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/soria", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/soria.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/05b2506991797891dcda24e0fe6be2c7f7a60423.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": 1865223, "full_name": "Adam Ron", "title": "Founder/CEO", "founder_bio": "Adam led coverage of the healthcare sector Soria covers today at Bank of America, and advised 100s of hedge funds on how to invest in the industry. He went to Rutgers, and while there started his first company when he was 18 (GoPuff competitor).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adammron", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/66b9952ede5ab5722848b0c42a316469a5cd2ce9.jpg" }, { "user_id": 2983501, "full_name": "Cameron Spiller", "title": "Founder/CTO", "founder_bio": "Cameron was the first engineer at Petal and Pinwheel scaling them to $500M-$1B in valuation. He later served as a startup CTO and advisor to multiple early‑stage startups.\n\nCameron went to Virginia Tech, and at 12 he started his first company in computer repair and data recovery.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cameron-spiller-b316b850/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0c0d910948d7ff7ac50b8db73e0d4c270ef23e0.jpg" } ], "jobs": [ { "id": 102958, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/soria/jobs/tEHmSjy-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $175K", "equity_range": "2.50% - 5.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 102043, "title": "Soria: AI-native Financial Terminal for Healthcare (and beyond)", "tagline": "The only financial research terminal built for sector specialists", "body": "**_TL;DR:_** Soria is an AI-native Financial Terminal for investors who specialize in a particular sector, starting with healthcare. Our agents convert hundreds of the most important public and private sources into an always-on financial model, reviewed by domain experts and delivered to hedge funds, banks, and asset managers through a terminal UI, MCP, API, warehouse sync, and research feed. Unlike our competitors, we own the data layer and expand bottom-up, one sector at a time - additionally our agents proactively do research on behalf of our clients without them lifting a finger or sharing any data.\\\n\\\n\n\nToday [**Cameron Spiller**](https://www.linkedin.com/in/cameron-spiller-b316b850/) and I are excited to launch **Soria**, an AI research terminal built specifically for healthcare investors in public markets.\n\nI spent 8 years as a VP in Equity Research at Bank of America covering healthcare and serving hundreds of hedge fund, private equity, and VC clients. Soria is the platform I always wished I had. Cameron is a serial founding engineer and CTO who has spent the last decade building fintech startups, always from <5 people all the way to billion dollar plus outcomes.\n\nIn addition to YC we are backed by the founders of GLG, as well as other industry insiders, and we recently won BattleFin’s #1 New Data Vendor award. **We already serve teams at many of the largest banks, hedge funds, and asset managers in the world, managing >$1T in assets**. Our users are fundamental equity analysts, often people who have spent years or decades covering healthcare.\n\nThe core problem is simple: the research process is still too manual, time-intensive, error-prone, and fragmented. Analysts waste up to 1/3 of their time doing repetitive work that doesn’t even generate alpha. Meanwhile, most solutions including Bloomberg are too generalized, they offer almost nothing relevant to healthcare or other domain specific verticals.\n\nSoria ingests the most important public and private sources healthcare analysts actually care about, structures them into an always-updated sector model. Pre-AI the domain context just didn’t scale.\n\nWe are differentiated in three critical ways:\n\n**1. Soria is proactive. It’s like an OpenClaw agent that you don’t have to set up.**\n\nThere is **zero setup**. From day one, analysts receive updates on the most important data points, curated and reviewed by actual research analysts. Every day we add more sources, and the model gets better without users needing to configure or maintain anything.\n\n**2. Soria requires no data sharing.**\n\nWe do not need to integrate into a bank or fund to be useful. We build the research and data layer ourselves, then deliver the **output** however the customer wants it: terminal UI, MCP, API, warehouse sync, or email.\n\n**3. Soria builds coverage one sector at a time.**\n\nMost AI finance tools help analysts work faster, but still leave the job of sector coverage to the analyst. Soria can do that work upfront because we are hyper-specialized.\n\nFor healthcare services teams, Soria can consolidate $200k+ of annual vendor spend across products like Milliman, HMA, Mark Farrah, AHD, Daloopa, FactSet, and NAIC, while also absorbing a large portion of the repetitive associate-level data work that doesn’t scale.\n\nThat’s just the first sector, there are 228 globally. Our vision: as we build out each sector, we consolidate it into a model of healthcare, the US and eventually the world.", "url": "https://www.ycombinator.com/launches/QXr-soria-ai-native-financial-terminal-for-healthcare-and-beyond", "votes": 37, "created_at": "2026-05-28T00:48:50.381Z" } ] }, { "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": 31526, "name": "Uno Wallet", "slug": "uno-wallet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "website": "https://myunowallet.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We are changing the way that people pay...\r\nFounded by:\r\nSaket Joshi: www.linkedin.com/in/saket-dattatray-joshi/\r\nMordi Shadpour: www.linkedin.com/in/mordi-shadpour/", "one_liner": "The AI mobile wallet that replaces Apple Pay", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1779834493, "tags": [ "Fintech", "Payments", "Consumer", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "The founders met at a Harvard startup mixer in 2023 and immediately bonded over fintech. They stayed in touch as friends and idea sparring partners, and later realized that advances in AI and new platform unlocks made Uno Wallet a massive opportunity to build together in the infrastructure and fintech space." } ], "url": "https://www.ycombinator.com/companies/uno-wallet", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/uno-wallet.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/uno-wallet", "x_url": "https://x.com/MyUnoWallet", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1fecca5d8dafd39142796c306a3102c067cff398.png" ], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 1631278, "full_name": "Mordi Shadpour", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO of Uno Wallet | MBA @ Harvard\nBuilding the AI that automates your financial life, starting with the decision everyone gets wrong 50 times a month: which card to tap.\n\nBloomberg Terminal. California native, based in the Bay Area.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mordi-shadpour", "x_url": "https://x.com/MordiShadpour", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/845444df2aded4c1492d125d61ff8d68a63131cd.jpg" } ], "jobs": [ { "id": 103221, "title": "Founding Engineer - Product & Infrastructure", "url": "https://www.ycombinator.com/companies/uno-wallet/jobs/UsckBfY-founding-engineer-product-infrastructure", "location": "San Francisco, CA, US / Palo Alto, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $205K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "Will sponsor", "skills": [] }, { "id": 113112, "title": "Founding Head of Product", "url": "https://www.ycombinator.com/companies/uno-wallet/jobs/VzmlenM-founding-head-of-product", "location": "South San Francisco, CA, US / Palo Alto, CA, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$125K - $200K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [] }, { "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. 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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": 31539, "name": "Klaimee", "slug": "klaimee", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/28ec0b5eb9ee17aca79ca3ae9075dcef5cfe09eb.png", "website": "https://www.klaimee.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.\r\nBuilt for companies deploying agentic AI, self-serve from day one.\r\n\r\nThe problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks \"who pays if your agent breaks something?\" and there's no good answer.\r\n \r\nWe built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off.\r\n\r\nTeam: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance).\r\n\r\nWe understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.", "one_liner": "Liability insurance for AI Agents. You deploy agents, we cover you.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1775456412, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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": "AI agents can now execute financial transactions, access sensitive data, and take real-world actions, but there is no insurance, no certification, and no clear liability framework for when they fail.\r\n\r\nThis is the same gap that existed with cyber risk in the early 2000s, before a $15B+ insurance market emerged. We’re at that same inflection point with AI.\r\n\r\nThe signals are already there: AI-related incidents are being carved out of traditional liability coverage, lawsuits are growing rapidly, and enterprises are still under pressure to deploy AI. The result is a fast-growing, unaddressed risk layer.\r\n\r\nWe saw this firsthand. We were building AI agents for claims processing: handling payments and decisions inside regulated environments. Every customer asked the same question: who is liable when the agent gets it wrong? There was no answer.\r\n\r\nThat’s when it became clear: this infrastructure has to exist before enterprise AI can scale.\r\n\r\nInes had already built insurance products from zero at SafetyWing, including carrier relationships and underwriting frameworks. We realized we were uniquely positioned to build the certification and insurance layer for AI agents - so we did." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Every transformative technology needs a trust layer before it can scale.\\\r\nThe internet needed cybersecurity. Cloud computing needed compliance and audit standards.\r\n\r\nAI is next.\r\n\r\nToday, AI agents can act but they can’t be trusted at scale. There is no standard for how they’re evaluated, no clear liability when they fail, and no infrastructure to make them safe to deploy in critical environments.\r\n\r\nIf we succeed, the liability and certification framework we build won't just protect enterprises, it will make AI itself safer, more accountable, and more auditable at a global scale. We are not just selling insurance. We are building the infrastructure that allows the agentic world to exist." } ], "url": "https://www.ycombinator.com/companies/klaimee", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/klaimee.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/klaimee", "x_url": "https://x.com/klaimee_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/28ec0b5eb9ee17aca79ca3ae9075dcef5cfe09eb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2f1148f58e99936976af75a93c3a72e1a0f2369b.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 2955371, "full_name": "Ines Boutemadja", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO. Building insurance for AI risk.\n\nFormer GM at SafetyWing (W18), where I built carrier insurance infrastructure and launched new insurance products from scratch. Now applying the same playbook to AI agents, giving companies the liability coverage they need to deploy AI with confidence. \n\nHEC Paris (Grande École) and NUS (Msc in Management) graduate.\nMultilingual (Arabic, French, Spanish, English, Mandarin).\nFirst Algerian women in YC.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/inesboutemadja", "x_url": "https://x.com/inesboutem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/01659be91af5ea3f17af0d035e0dd7dafde6a867.jpg" }, { "user_id": 1500510, "full_name": "Julien Catonnet", "title": "Founder/CTO", "founder_bio": "From corporate strategy to software engineering. Co-founder and CTO of Klaimee, AI agent risk certification and liability coverage. Self-serve", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/julien-catonnet-18624162/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1dac5da6f2f594e6cff6e3d1c2f5a4e030bf4a20.jpg" } ], "jobs": [ { "id": 103073, "title": "General Counsel & Head of Insurance", "url": "https://www.ycombinator.com/companies/klaimee/jobs/CXFmWvr-general-counsel-head-of-insurance", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "$200 - $300", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105317, "title": "Founding GTM Lead ", "url": "https://www.ycombinator.com/companies/klaimee/jobs/yBVUdLJ-founding-gtm-lead", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80 - $150", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106309, "title": "Growth Marketer (Founding) ", "url": "https://www.ycombinator.com/companies/klaimee/jobs/yqjRU31-growth-marketer-founding", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$75 - $110", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106312, "title": "Founding Broker Partnerships Lead", "url": "https://www.ycombinator.com/companies/klaimee/jobs/z9edN2S-founding-broker-partnerships-lead", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80 - $150", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107266, "title": "Growth Marketer (Intern) ", "url": "https://www.ycombinator.com/companies/klaimee/jobs/VkqRyxv-growth-marketer-intern", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$50K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 100700, "title": "Klaimee insures your AI Agents", "tagline": " Klaimee is the first purpose-build E&O coverage for AI agents.", "body": "**TL;DR: [Klaimee](https://klaimee.ai) is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.**\n\n80% of Fortune 500 companies are already using AI agents. That’s creating a new kind of liability risk no one is really covering yet.\\\nEnterprises want AI. But they want to know “who pays if something goes wrong”? There’s no clear answer today.\\\nMeanwhile, AI-related lawsuits are up 137% between 2024 and 2025.\n\n> 👋 Hi, we are Ines and Julien.\\\n> [Ines](https://www.linkedin.com/in/ines-boutemadja/) was General Manager at SafetyWing (W18), she spent the last 5 years building insurance products from scratch, structured a Tokio Marine MGA, and got the Puerto Rico carrier license, scaling an insurance startup from $5M to $60M. She ran this playbook before, doing it again, AI-native this time.\\\n> [Julien](https://www.linkedin.com/in/julien-catonnet/) handles the engineering and enterprise compliance side. He has a strategy consulting background, working with corporates and insurance, coupled with a deep software engineering and AI expertise.\\\n> 🔥 Our team brings the best of both worlds to underwrite the new emerging AI risk.\n\n### **💡 The opportunity:**\n\nTraditional insurance was built for deterministic software; it either works or throws an explicit error. AI agents fail silently and not uniformly. So cyber won't cover it. E&O won't cover it either.\n\nThe existing insurance industry lacks the velocity and deep AI knowledge to fill this gap.\n\nWe built [Klaimee](https://klaimee.ai) to do exactly that: we provide liability insurance, financial guarantee, critical risk evaluation, certification, and procurement documentation enterprises require, all in under 24 hours.\n\nWatch our launch video below \n\n### **⚙️ How we do it:**\n\nTo insure AI agents, we had to reinvent how traditional underwriting works. Our proprietary, three-block system determines an agent’s risk score and insurance price:\n\n1. **Public Data Scan:** We scan publicly available data related to the agent.\n2. **Governance Assessment:** We ask 30 questions concerning the agent’s governance.\n3. **Behavioral Testing:** We actually test your agent’s behavior, firing more than 100 probes (prompt injection, jailbreak, decision drift, data leakage, biased outputs) to understand _when_ and _how_ it fails.\n\n![uploaded image](/media/?type=post&id=100700&key=user_uploads/2955371/49d6f4de-8787-48c4-a6b2-728323148e81)\n\n![uploaded image](/media/?type=post&id=100700&key=user_uploads/2955371/9ebe5a9c-7ce0-4d29-b3f5-c7017ca8d0d7)\n\n**Score it. Certify it. Underwrite it. Insure it ▷ with a 24h turnaround.**\n\nWe bring the trust layers so startups and enterprises can deploy agentic AI with peace of mind.\n\n### **🛡️ What we cover: AI agents in healthcare and biotech, finance & accounting, IT & software development, law & legal tech, customers support and sales agents.**\n\nAI Agents act like humans: they take actions, make decisions, and have a real impact that can cause damages. At[ Klaimee](https://klaimee.ai), we cover the actual behavior of the AI agents. Real failure modes happening in production right now:\n\n* An agent hallucinated a contract clause your customer relied on.\n* An agent leaked one patient’'s data to another.\n* An agent made a biased call in lending, hiring, or pricing.\n* An agent took an unauthorized action with financial damage downstream.\n\n### **⌛️ Why now:**\n\nMajor insurers like Berkshire, Chubb, and Travelers are winning state approval to exclude AI liability from standard commercial policies, leaving every agent-deploying company exposed. And it is leaving every agent-deploying company exposed.\n\nThe ISO, which sets standards for 70% of the U.S. market, is making AI exclusions the default for Commercial General Liability policies (ISO CG 40 47 / CG 40 48 endorsements). The EU AI Act enforces in August 2026.\n\nEvery Fortune 500 procurement team is now asking the AI insurance question, and the answer from incumbents is \"we exclude that.\"\n\nThe same thing happened with cyber 20 years ago. It got carved out of existing policies. A whole new line of insurance was created. The same shift is happening with AI right now. And nobody has built the product for it yet.\n\nInes has done this in insurance before. Julien goes deep on the AI side. Together we know how to actually price the risk.\n\nWe understand what enterprise buyers need to see, and why a startup can’t sit around for 6 months waiting on a traditional carrier.\n\nIf you’re shipping AI agents into enterprise, you should already be thinking about coverage.\n\n### We’re underwriting our first cohort now → [**klaimee.ai**](http://klaimee.ai)", "url": "https://www.ycombinator.com/launches/QCC-klaimee-insures-your-ai-agents", "votes": 44, "created_at": "2026-05-03T23:41:44.304Z" } ] }, { "id": 31564, "name": "Huscarl", "slug": "huscarl", "former_names": [ "Huscarl", "Huscarl Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f24300b3eb986e7f19356d2f4af0a1aefc7a5841.png", "website": "https://www.huscarl.io/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Huscarl is building an autonomous AI actuary to enable self-insurance for corporations.\r\n\r\nLarge companies use insurance subsidiaries (\"captives\") to self-insure their risks. Some of these captives are larger than regional insurers. We provide them the actuarial and modeling layer to operate and grow.\r\n\r\nWe're building a future where self-insurance is the default, and commercial insurance the exception. This is the best way to solve the inefficiencies of the $1T corporate insurance market.", "one_liner": "AI-native actuary enabling self-insurance for corporations", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1776797773, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/huscarl", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/huscarl.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/huscarl/about/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f24300b3eb986e7f19356d2f4af0a1aefc7a5841.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/235d3834b74ae4be21bb9eb84eae8cb428b009b6.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 3407956, "full_name": "Alex Musy", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO at Huscarl\nPreviously launched and scaled the world's first cyber parametric insurance for mid-market and Enterprise at Descartes Underwriting\nStudied Philosophy and Management at HEC Paris and ENS Ulm", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexandre-musy-653012148/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dee6f6d30974f39e0dc360625f05a63fd26d197e.jpg" }, { "user_id": 3408215, "full_name": "Paulien Jeunesse", "title": "Founder/CTO", "founder_bio": "PhD in Actuarial Science (ENS / Dauphine) turned AI Founder. Previously at Descartes Underwriting, where I co-built a 7-figure cyber product.\nNow building the world's first AI-native insurance broker for the mid-market. We use agentic workflows to turn 300-page policies into math.", "is_active": true, "linkedin_url": "https://linkedin.com/in/paulienjeunesse", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b40afedbe36645c1cd9186fc55dad38d5b6f7a4.jpg" } ], "jobs": [ { "id": 95471, "title": "Member of technical staff – Paris", "url": "https://www.ycombinator.com/companies/huscarl/jobs/fQTxjSs-member-of-technical-staff-paris", "location": "Paris, IDF, FR / Paris, Île-de-France, FR", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€60K - €90K EUR", "equity_range": "2.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 100038, "title": "Huscarl: actuarial intelligence for corporate insurance buyers", "tagline": "30% cheaper insurance for zero downside", "body": "TLDR: Huscarl is an AI-native insurance advisory firm for corporations ($50M+ revenue). We help them save 30% on annual premiums with zero downside.\n\n[**https://youtu.be/HuHWqokdRFo**](https://youtu.be/HuHWqokdRFo)\n\nHey guys, we’re Paulien and Alex, and we’re building Huscarl to fix corporate insurance.\n\n**Problem**\n\nAll of the companies we worked with were :\n\n* Overinsured in some areas, because brokers and insurers want to sell them more insurance than they need\n* Underinsured in others, because they don’t fully understand the risks their business is facing\n\nRisk managers face huge internal pressure because insurance costs 2% of a company’s revenue every year and it feels like it never pays when you need it.\n\n**What we’re building**\n\nWe’re building an AI-native actuarial advisory that:\n\n* Tells you if you’re paying the right $ for your coverage\n* Tells you what to keep, change or kill in your insurance program\n\nBy creating insurance programs that fit perfectly a company’s risk profile, we’re able to generate \\~30% premium savings for similar or better coverage, and get the risk manager promoted :)\n\n**The team**\n\n![uploaded image](/media/?type=post&id=100038&key=user_uploads/3407956/8337ed8b-f6b4-4f89-8582-d18d20798e40)\n\nBefore joining YC, Alex (on the left) and Paulien (on the right) created together the world’s first cyber parametric insurance for corporations.\n\n**Long-term vision**\n\nOur end game is to empower corporations manage their own risks like an insurance company does. The most sophisticated buyers already self-insure >90% of their risks through in-house insurance subsidiaries called “Captives”. Largest captives are larger than regional mutual insurers and yet remain underserved by insurance professionals.\n\n**The ask**\n\nWe work with all mid-sized and large companies above $50M with no cap (our biggest lead is a FAANG). Intros to CFOs, Chief Risk Officers or Risk managers would be very appreciated!\n\n**Website: [huscarl.io](http://huscarl.io)**", "url": "https://www.ycombinator.com/launches/Q1W-huscarl-actuarial-intelligence-for-corporate-insurance-buyers", "votes": 27, "created_at": "2026-04-22T05:59:54.448Z" } ] }, { "id": 31575, "name": "Fire Wallet", "slug": "fire-wallet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24edcd9c30661e9d4cf818ec14536902f2b2c41.png", "website": "https://fire.co", "all_locations": "San Francisco, CA, USA", "long_description": "🔥FIRE WALLET 🔥\r\n\r\nhttps://www.youtube.com/watch?v=JeXDDegwhgA\r\n\r\nTL;DR: Fire Wallet is a fast, end-to-end encrypted, non-custodial stablecoin wallet with built-in payment processing and fiat on/off ramps, built by the team that created MobileCoin, the cryptocurrency inside Signal.\r\n\r\nHey Bookface! We're Josh, Michael, and Manny and we're building Fire Wallet!\r\n\r\n🔥Why we built this\r\n\r\nMost wallets and payment processors don’t work FOR you. They're slow, route your payments in the way that earns them the most, and they leak your financial life to anyone asking. Worse: every single one hold the keys to your money.\r\n\r\nWe believe your financial tools should act in your interest and, frankly, that your money should be yours.\r\n\r\n 🔥What Fire does\r\n\r\nMulti-chain, non-custodial, end-to-end encrypted wallet. \r\nYour keys, your money, your assets: you are in full control of your funds at all times. \r\nLeast Cost Routing. Every swap and payment takes the cheapest path, not the one that pays a middleman the most.\r\nSelf-sovereign payment processing. Send an invoice straight from the wallet. Get paid from your web checkout. No middleman.\r\nEasy fiat on/off ramps. Move stablecoins to USD and back without the pain.\r\nBuilt for agentic commerce. Manage per-agent sub-wallets for agentic workflows.\r\nEncrypted by default. Protecting you from bad actors and surveillance capitalism.\r\n\r\n🔥Early traction\r\n\r\nSigned our first major LOI with @Trustboop (founded by Justice Laub of Drone Racing League and Rob Rhinehart of Soylent).\r\n\r\nOnboarding our first enterprise customer in ecommerce packaging and marketing, doing about $1.5M/month in volume. They've connected us to 10 more companies in the same vertical at similar volume, roughly a $100M/yr GMV opportunity.\r\n\r\n🔥Why us\r\n\r\nJosh and Manuel led the creation of MobileCoin, the cryptocurrency in Signal Messenger: $100M+ raised, $1.16B peak valuation, $4B+ peak coin market cap, acquired in 2026.\r\n\r\nMichael runs product and design. He's an internationally exhibited artist with two published art books, and he builds sick products.\r\n\r\nManuel runs operations and orchestrates systems that actually work at scale.\r\n\r\n🔥Asks\r\n\r\nIntros to businesses moving $1M+/month in payments, especially cross-border, ecommerce, and DTC, who want lower fees and more control over their funds.\r\n\r\nStrategic partners in fintech and payments interested in integrating our infrastructure.\r\nTell us what's broken. Reply here or email founders@fire.co.\r\n\r\nWe're looking for our first 100 customers. If that's you or someone you know, we'd love to talk.", "one_liner": "Fire Wallet is a privacy-first crypto wallet designed to just work,…", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1792046296, "tags": [ "FinOps", "Fintech", "Security", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech" ], "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/fire-wallet", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/fire-wallet.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24edcd9c30661e9d4cf818ec14536902f2b2c41.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": [], "jobs": [], "news": [], "launches": [] }, { "id": 32222, "name": "Audun", "slug": "audun", "former_names": [ "Solvva" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7da249d05c3b78e6493d6546cc70a78c450280f.png", "website": "https://audun.co", "all_locations": "Oslo, Oslo, Norway", "long_description": "Audun automates debt collection.", "one_liner": "AI-native debt collection company", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1786093910, "tags": [ "Fintech", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Norway", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/audun", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/audun.json", "year_founded": 2026, "city": "Oslo", "country": "NO", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7da249d05c3b78e6493d6546cc70a78c450280f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Vivian Midha Shen", "url": "https://www.ycombinator.com/people/vivian-midha%20shen" }, "founders": [ { "user_id": 3587634, "full_name": "Jacob Hambro", "title": "Founder/CEO", "founder_bio": "Founder at Audun. Previously consultant at McKinsey & Company. Holds a MSc in Computer Science & Finance from NTNU.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jacob-hambro-70a9b1153/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fd98a82faf0f9b01a9675f4b4cbce1e3332c7b7.jpg" }, { "user_id": 3632034, "full_name": "Magnus Vonen", "title": "Founder", "founder_bio": "Founder at Audun (YC S26), building AI-native debt collection. Previously at McKinsey & Company, advising on go-to-market strategy and AI. Before that, four years as an operator in Norwegian special forces, including overseas deployments. Economics at NHH (Norwegian School of Economics)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/magnus-nj%C3%B8lstad-vonen-518945208", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dcea88c387054dd5fdfdfacef04c7a032a94d818.jpg" }, { "user_id": 3649218, "full_name": "Henrik Brun Fevang", "title": "Founder", "founder_bio": "MSc in Computer Science and Artificial Intelligence. Previously a full-stack software engineer and architect at PwC, building software infrastructure and data platform for SINTEF, one of Europe’s largest research institutions. Previous full-stack engineering experience at Oda and Airthings.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henrik-brun-fevang-8b5b18195", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46d31d5e3c94ede241e440fdc92dff2df6c88006.jpg" }, { "user_id": 3414987, "full_name": "Peter Flo", "title": "Founder & Chief Scientist", "founder_bio": "Founder & Chief Scientist at Audun. Previously Special Projects at Midjourney and a graduate researcher at MIT. MS in Data Science from Harvard, dual B.S. from UC Berkeley. More at pflo.org.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/peterhollevik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6cde847c6e23c09b48938d4f381e4b99258eeffe.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 111293, "title": "Audun: AI-native debt collection", "tagline": "Full-stack AI debt collection company", "body": "A letter arrives in the mail.\n\nImpossible to understand.\n\nAnother one.\n\nThen the phone calls start.\n\nOnce a day. Unpleasant, sometimes hostile.\n\nThis is how debt collection works in 2026.\n\n**We’re here to fix it.**\\\n\\\n[https://drive.google.com/file/d/1X9mVp2ZyJMUhCcHN6NadzMNLV5S63Wpv](https://drive.google.com/file/d/1X9mVp2ZyJMUhCcHN6NadzMNLV5S63Wpv/view?usp=sharing)\n\n# TL;DR\n\nAudun is an AI-native debt collection company. Our agents automate the collections process end to end, from reminders and negotiations to back-office and legal work. This reduces collection costs for creditors, and enables humans to spend their time on the conversations that matter.\n\n![uploaded image](/media/?type=post&id=111293&key=user_uploads/3587634/839f47e4-cdd7-45ed-befd-c621930fef65)\n\n# Ask\n\nWe’re looking for introductions to collection leaders at banks, lenders, utilities, telcos, and other high-volume creditors.\n\n# The problem\n\nThe debt collection industry is broken. It runs on call centers, paper letters, and software built in the 90s. While the rest of the world is preparing for AGI, the topic of the industry is still email and cloud.\n\nAll these inefficiencies ultimately end up with the consumer: incomprehensible letters arriving by snail mail, hostile phone calls, and fees stacking up on a bill they may never have seen. They're paying the cost of an archaic system.\n\n# The solution\n\nAudun is an AI-native debt collection company. We automate up to 90% of cases across the whole business, from front to back office. Our agents manage reminders, negotiations, payment plans, and settlements across voice, SMS, email, and WhatsApp. They operate within creditor-defined rules, log every action, and escalate sensitive cases to humans with the full context attached. Behind the scenes, they handle tasks such as skip tracing, payment verification, and legal document drafting.\n\nBy automating the grunt work of collections, Audun lowers collection costs for creditors and, ultimately, borrowing costs for consumers. We enable people to focus on the conversations that matter, where human judgment is still required, giving customers the treatment they deserve.\n\nWe started out in the Nordics, which has some of the strictest collections regulation in the world. Compliance is critical in this industry, so we built our agents to handle the toughest version of it first. \n\n# Who we are\n\nWe’re four founders with experience across McKinsey, Midjourney, and Norway’s first unicorn. We’ve seen firsthand how manual this industry is, and how stuck the incumbents are. We decided to build the company this industry needs from the ground up.\n\n![uploaded image](/media/?type=post&id=111293&key=user_uploads/3587634/fbfdfe9e-490e-4603-ad97-15b8ead694a6)\n\n", "url": "https://www.ycombinator.com/launches/Sx3-audun-ai-native-debt-collection", "votes": 8, "created_at": "2026-08-24T16:00:00.405Z" } ] }, { "id": 32225, "name": "Stoa", "slug": "stoa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf71f2bfca9f3f554d22c43f0dfd7b1a38171535.png", "website": "https://www.stoaexchange.com", "all_locations": "San Francisco, CA, USA", "long_description": "Stoa provides pricing and trading infrastructure for AI hardware, live with an RFQ marketplace where companies buy and sell GPUs through vetted dealers real-time.", "one_liner": "The market behind AI hardware.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1785367811, "tags": [ "Fintech", "Hardware", "Marketplace", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "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/stoa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/stoa.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stoamarkets/", "x_url": "https://x.com/stoaexchange", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/stoa-d396", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf71f2bfca9f3f554d22c43f0dfd7b1a38171535.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1961995, "full_name": "Berat Celik", "title": "Founder/CEO", "founder_bio": "CEO of Stoa. Repeat founder who walked away from xAI to build Stoa. UBC, computer science and economics; Cornell M.Eng., computer science.", "is_active": true, "linkedin_url": "https://linkedin.com/in/beratcelik1", "x_url": "https://x.com/beratcelik0", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3db0925f484f9622bdabb784771b1618d0408f66.jpg" }, { "user_id": 1960190, "full_name": "Eren Berke Saglam", "title": "Founder/CFO", "founder_bio": "CFO of Stoa. Traded interest rates derivatives at Citi. Dartmouth salutatorian, computer science and economics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eren-berke-saglam", "x_url": "https://x.com/erenberke0", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8fa08c8d9b7dd4e7053173162485cba755b2b252.jpg" }, { "user_id": 3415052, "full_name": "Kaan Yigit", "title": "Founder/CTO", "founder_bio": "CTO of Stoa. Worked as a quantitative developer at Uniper, building the trading systems behind financial oil and gas books. UIUC, computer science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kaan-yigit/", "x_url": "https://x.com/kaan_yigit0", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/94061540990806801bdde87e10a5a8fad1228468.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 108473, "title": "Stoa: The market behind AI hardware", "tagline": "GPU marketplace where vetted dealers bid blind with firm quotes. $300M+ in RFQs in our first month.", "body": "**TL;DR:** AI hardware trades over phone calls and forwarded spreadsheets. No venue, no price to mark against: lenders mark billions in GPU collateral off appraisals. We're building Stoa, an RFQ marketplace where buyers and sellers get firm quotes within 48 hours, and settled trades build the prices the market can mark, finance, and hedge against.\n\n\n\nGPU deals close in group chats. We know because we've been in them.\n\nA price arrives as a voice note. Someone forwards an inventory list, then it gets forwarded again, and soon three brokers are offering the same machines. Nobody knows who actually owns what or whether any quote is firm.\n\nThe market behind those chats is worth hundreds of billions of dollars a year. Lenders mark billions in GPU collateral off appraisals, not trades.\n\nWe're Berat, Eren, and Kaan. We're building Stoa.\n\nAI hardware is becoming an asset class, but its market is missing the basics: a venue where hardware can trade, prices that buyers, sellers, and lenders can mark against, and eventually financing and hedging built on those prices. We're starting with the venue: an RFQ marketplace for GPUs. It gets buyers and sellers firm quotes, and every bid and settlement builds the history the rest needs.\n\n**Here's how it works**\n\nPost what you want to buy or sell: B300s, H200s, H100s, a bare card or a full cluster, new or secondary.\n\nVetted dealers bid blind with firm quotes. Instead of spending weeks calling around, you get through the RFQ in 48 hours.\n\nWe handle the unglamorous parts too: KYB and counterparty checks, contracts, shipping, and settlement.\n\nIn our first month, $300M+ in RFQs ran through the book.\n\n**Why the marketplace comes first**\n\nAsk what an H100 is worth and everyone you call gives you a different answer.\n\nOn Stoa, dealers quote against the same RFQ without seeing each other's bids. Because every RFQ, firm quote, award, and settlement runs through us, we see what the hardware actually trades for.\n\nA quote is an opinion. A settled trade is a receipt.\n\nThat transaction history becomes prices buyers, sellers, and lenders can mark against. Once marks are grounded in settled trades, financing and hedging can follow.\n\nPlatts started printing oil prices in a magazine. Kelley Blue Book began as one dealer's published list of what he'd pay for cars. GPU inventory is still being passed around in forwarded spreadsheets, and Blackwell upgrades are now pushing H100 fleets into the secondary market.\n\nSomeone is going to be the price.\n\n**The team**\n\nWe've known each other for more than ten years. We have founded companies, traded interest rate derivatives, and built trading and pricing infrastructure for oil and gas. Now we're building it for AI hardware.\n\n**Buying or selling?**\n\nIf you're buying GPUs or compute, or you're sitting on hardware, sign up at [stoaexchange.com](http://stoaexchange.com).\n\n**Schedule a call: [https://stoa.cal.com/stoa/intro](https://stoa.cal.com/stoa/intro)**\n\n**Email us: [founders@stoaexchange.com](mailto:founders@stoaexchange.com)**\n\n**Text or call us:** +1 510 605 3844\n\nAnd if you know infrastructure heads at neoclouds or data centers, hyperscaler capex teams, dealers, ITADs, or credit desks lending against GPUs, please send this their way.\n\nBerat, Eren & Kaan", "url": "https://www.ycombinator.com/launches/SDZ-stoa-the-market-behind-ai-hardware", "votes": 779, "created_at": "2026-07-31T12:13:42.502Z" } ] }, { "id": 32254, "name": "Prodigy Research", "slug": "prodigy-research", "former_names": [ "Prodigy AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a2db1ee59cf597cd664444e784ae76e1f753d775.png", "website": "https://prodigy.markets", "all_locations": "San Francisco, CA, USA", "long_description": "Prodigy is the frontier AI trading research lab. We've trained the world's best foundation model for quantitative finance. We've already achieved more than 100% returns in live trading over the course of our YC batch, doubling our capital while major indices were flat. Our founders previously worked on a trading desk at Jane Street, trained frontier AI models at Google DeepMind and shipped cutting-edge AI at Apple to billions of customers. Join us as we use AI to solve the market.", "one_liner": "Training the world's best AI model for quantitative finance.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1786153448, "tags": [ "Reinforcement Learning", "Finance", "Investing", "Trading", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "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/prodigy-research", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/prodigy-research.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/prodigy-markets", "x_url": "https://x.com/realProdigyCorp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a2db1ee59cf597cd664444e784ae76e1f753d775.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": 3174989, "full_name": "Michael Wang", "title": "Founder/CEO", "founder_bio": "Founder and CEO at Prodigy Research (YC S26). Previously Senior Researcher at DeepMind, training and shipping AI models powering Google products with billions of monthly users. Before that, worked on a trading desk at Jane Street, one of the most prestigious and profitable trading firms in the world.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michael-w-02810b161/", "x_url": "https://www.x.com/michaelwangelo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/011ab6f302bb5ee939865ee4899d28ee9ea6acd8.jpg" }, { "user_id": 3203618, "full_name": "Yuhua Wang", "title": "Founder/CTO", "founder_bio": "Founder and CTO at Prodigy Research (YC S26). Previously shipped cutting-edge AI models and agents at Apple to billions of customers. Before that, built Salesforce's flagship AI platform serving hundreds of millions of user requests every day.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yuhua-w-64348a66", "x_url": "https://x.com/yuhuawan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8ab0305694f8e67bd288110245604bf4db4e3a31.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109747, "title": "Prodigy: The Frontier AI Trading Research Lab", "tagline": "Training the world's best foundation model for quantitative finance", "body": "**TL;DR** Prodigy Research is an AI lab that has trained the world's best foundation model for quantitative finance. We’ve already achieved 140% returns in live trading over the course of our YC batch, while major indices like the S&P 500 and the Nasdaq were flat or down.\n\n**Traction**\n\n![uploaded image](/media/?type=post&id=109747&key=user_uploads/3203618/c02ef51e-f0e4-43b8-a335-b55e66d5afd2)\n\nOur model beats Claude Fable and GPT-5.6 Sol at financial and quant research tasks. Prodigy's strategies are delta-neutral, and thanks to our rigorous and comprehensive risk controls, we've never had a down week.\n\n\n\n**Why Now**\n\nTrading firms generated hundreds of billions in profit last year, and this number is growing quickly YoY. Global financial markets now exceed $175 trillion in value across equities, derivatives, and digital assets. Prodigy's agents find new opportunities and alpha in the financial markets faster than any team of human quant researchers.\n\n![uploaded image](/media/?type=post&id=109747&key=user_uploads/3203618/31e0abc2-381b-4cdb-8d4f-86498b669b39)\n\n**The Team**\n\nOur founders are two brothers who left seven-figure jobs to build the future of quant trading. We bring together over 16 years of combined experience in quantitative finance, frontier model research, and large-scale AI infrastructure. Michael was a senior researcher at **Google DeepMind**, where he trained SoTA foundation models. He previously worked at **Jane Street**, one of the world’s most successful quantitative trading firms. Yuhua built cutting-edge AI at **Apple** serving **billions of users** across the world.\n\nA new era has arrived in the world of quantitative finance. To learn more, contact [founders@prodigy.markets](mailto:founders@prodigy.markets).", "url": "https://www.ycombinator.com/launches/SY7-prodigy-the-frontier-ai-trading-research-lab", "votes": 34, "created_at": "2026-08-10T18:30:00.360Z" } ] }, { "id": 32257, "name": "Spectre Intelligence", "slug": "spectre-intelligence", "former_names": [ "Spectre Capital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd275e68bdab3f73081986be229ec8d9f1423ae5.png", "website": "https://www.spectreintelligence.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Spectre Intelligence is a neotrading firm. We create AI traders instead of hiring human ones. Currently trading semis + bio.", "one_liner": "We are a multi-strategy trading firm that trains AI traders. ", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1787421048, "tags": [ "Biotech", "Investing", "Trading", "Semiconductors" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/spectre-intelligence", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/spectre-intelligence.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/spectre-intelligence-ai", "x_url": "https://x.com/spectreintellig", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd275e68bdab3f73081986be229ec8d9f1423ae5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 1251785, "full_name": "Michelle Li", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO at Spectre Intelligence, on leave from Harvard (I studied Economics & Biology and was originally class of '27). Previous research across generative protein language models, bacteriophages, CRISPR Cas9, and more. ISEF grand award winner, RSI and STS scholar.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michelle-zhiya-li/", "x_url": "https://x.com/michellezli", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6eacc1c85541c9e6f7a907d66e8c4b4d53136b3b.jpg" }, { "user_id": 2574740, "full_name": "Joshua Zyzak", "title": "Founder/CTO", "founder_bio": "Founder at Spectre Capital, CS and EE at Harvard, researched deep-RL controllers for quadruped robots and multimodal LLM-robotics", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josh-zyzak/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3a94186fa13fa1983bac60969d2c2ddafff69b21.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 112001, "title": "Spectre Intelligence - a neotrading firm", "tagline": "We're an AI trading research firm, currently in semiconductors and biotech.", "body": "TL;DR: Spectre Capital is a multi-strategy trading firm run by AI agents, not human analysts. We deploy real capital to capture every decision, reasoning trace, and ground-truth outcome, so our agents learn and compound from every mistake. Most AI trading labs pay egregious amounts for training data. Ours pays us when we win.\n\nWe left Harvard after starting a hedge fund from our college dorm (go Currier!).\n\nNow we’re building Spectre Intelligence, a neotrading firm training superhuman AI traders. \n\n**The problem**\n\nIntelligence is getting cheaper, and it will rewire trading. But the scarcest input to markets isn't compute or data feeds or latency, but rather judgment. That data is fragmented, scarce, and the foundation of entire careers. It is also entirely proprietary and guarded fiercely by firms.\n\n**What we do**\n\nWe collect judgment by trading live. Every position our agents take generates decisions, full reasoning traces, and ground-truth P&L. We think this is the ultimate alignment of incentives in one of the largest TAMs in the world.\n\nThe structure is evolutionary from first principles: open competition inside each pod, and strategies and pods are born and killed constantly. \n\nUnlike a traditional pod shop, spinning up a new pod costs compute, not headcount. Our agents work superhuman hours, monitor a superhuman number of things, and learn from every real and simulated trade. Our AI traders develop specialized strategies in parallel, allowing us to scale far beyond the limits of human bandwidth. This is an edge that scales, compounds, and isn't held by any one employee.\n\n**Traction**\n\n\\- Two live pods: semiconductors and biotech equities. (We picked the verticals, not our AI traders.)\n\n**Why now?**\n\nAI is the worst it will ever be, LLM traders aren't even good yet, but we believe the writing is on the wall and want to be on the frontier. Quant funds were arguably the first agent labs: ML theory embedded for decades, quants as very expensive agents. We're building the generation after.\n\n**The ask**\n\nIf any of this resonates, feel free to reach out: michelle@spectreintelligence.ai\n\nWe’re also collecting an expert network across semis + biotech, so if you have experience, feel free to join at ", "url": "https://www.ycombinator.com/launches/T8T-spectre-intelligence-a-neotrading-firm", "votes": 5, "created_at": "2026-08-24T15:47:00.614Z" } ] }, { "id": 32352, "name": "Veltha", "slug": "veltha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/086027e8af9fab6d08a460f136457d84dbf6f354.png", "website": "https://veltha.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Veltha is the AI native TPA starting with workers comp. We handle claim for insurance providers end to end.\r\n\r\nLearn more at https://veltha.ai", "one_liner": "AI native TPA starting with workers comp", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786650265, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/veltha", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/veltha.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/130564928", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/086027e8af9fab6d08a460f136457d84dbf6f354.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": 2366971, "full_name": "Edin Citaku", "title": "Founder/CEO", "founder_bio": "Edin is CEO and co-founder of Veltha, building the AI adjuster for regulated insurance. Prior to Veltha he led Palantir's AI deployment at the german FBI. \nHe graduated with BSc and MSc in computer science at the TU Munich", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edin-citaku-564000127", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bdaf52429b81f014247f0a4fb52680e9164ce91a.jpg" }, { "user_id": 976541, "full_name": "Roland Jaloszynski", "title": "Founder/CTO", "founder_bio": "Roland is a co-founder of Veltha, an AI-native TPA. He was previously a technical lead on mortgage underwriting automation at Palantir for a $642B servicer, compiling agency guidebooks into executable rules. He earned his computing degree from Poznan University of Technology while working as a software engineer at Amazon, LocalBini and DAC.digital.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/roland-jal", "x_url": "https://x.com/RJaloszynski", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1d12b27a5c3db72426424a70065a0a1a72eb1d87.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 115477, "title": "Veltha: AI native TPA for Workers’ Comp", "tagline": "Veltha reduces 6 hours of adjuster work to 10 minutes with better outcomes", "body": "**TL;DR: Veltha is an AI-native TPA for workers' compensation. TPAs process claims for insurance providers, and our AI owns this service end to end. An adjuster only reviews the decision, work that used to take 6 hours now takes 10 minutes - with better outcomes.**\n\n\n\n**The problem**\n\nTPAs deliver terrible service across the board. We have yet to find a carrier or employer that is happy with theirs. The misalignment is structural: TPAs make most of their profit on fees layered on top of claims handling, so quality of the core service barely affects their bottom line. So we decided to deliver the service ourselves.\n\n**What we built**\n\nVeltha runs the whole claim file end to end:\n\n* **Triage.** Reads incoming claim emails and documents, classifies them, and routes each claim to the right workflow.\n* **Gap detection.** Checks the file for missing documents and records, then requests them by email, phone, or fax and runs follow-up cadences until they land.\n* **Compliance review.** Applies the governing laws and produces a determination where every output is tied to a source and a specific regulatory rule.\n\nOur licensed adjusters review and sign every decision. One adjuster on Veltha handles 4x the caseload of a traditional adjuster with better and quicker outcomes.\n\n**Our ask**\n\nWe'd love intros to:\n\n* **Carriers and MGAs writing workers' comp** who need a claims administration partner.\n* **Risk managers and benefits leaders at self-insured employers**, especially claims-heavy, high-risk workforces. Think Disney, Marriott, Ford, PG&E, Caterpillar, SpaceX, Netflix. If you know someone at a company like that, an intro is gold.\n* **Brokers and consultants** who place TPA relationships for their clients.\n\nReach us at [hello@veltha.ai](mailto:edin@veltha.ai) or ping us here. Thanks YC 🙏", "url": "https://www.ycombinator.com/launches/U2X-veltha-ai-native-tpa-for-workers-comp", "votes": 2, "created_at": "2026-10-07T18:00:00.115Z" }, { "id": 111427, "title": "Veltha: AI claims adjuster for regulated insurance", "tagline": "Veltha reduces six hours of adjuster work to 10 minutes, with adjusters still making the final call", "body": "**TL;DR: Veltha reads an entire claim file, flags what's missing, and applies the exact federal regulation that governs it, producing a citation-backed determination a human adjuster just signs off on. Work that took an adjuster \\~6 hours now takes \\~10 minutes.** Starting with workers' comp and crop insurance.\n\n\n\n**The problem**\n\n1 in 4 claims adjusters expect to retire within five years. Experienced adjusters are retiring faster than carriers can replace them, and processing capacity is now the binding constraint on growth.\n\n**What we built**\n\nVeltha is an AI claims adjuster that runs the whole file end to end:\n\n* **Triage** - reads incoming claim emails and documents, classifies them, and routes each claim to the right workflow.\n* **Gap detection** - checks the file for missing documents and records, then requests them by email, phone, or fax and runs follow-up cadences until they land.\n* **Compliance review** - applies the relevant federal rulebook, and produces a determination where **every output element is tied to a source span and a specific regulatory provision.**\n\nThe adjuster's job shifts from _doing_ the claim to _reviewing_ Veltha's output. Less chasing. Faster decisions. Output that survives an audit.\n\n**What we understand that others don't: regulation is the moat, not the obstacle.** Horizontal platforms (Guidewire, Duck Creek) and generic AI-claims startups can summarize a claim file. They can't tell you _which_ provision triggered _which_ adjustment, with citations. We treat the federal rulebook as an anchor for the workflow we embed within the organisation. That's the difference between a summary a human re-does from scratch and an output an adjuster will actually sign.\n\n**Our ask**\n\nWe'd love intros to:\n\n* **Anyone in claims at a carrier, MGA, or TPA** - especially **workers' comp**\n* **People at large self-insured employers** with claims-heavy, high-risk workforces - Companies exactly like these are who we're built for: **Disney, Marriott, Ford, PG&E, Caterpillar**. If you know someone at that kind of company, an intro is gold.\n\nReach us at [edin@veltha.ai](mailto:edin@veltha.ai) or ping us here. Thanks YC 🙏\n\n[veltha.ai](http://veltha.ai)", "url": "https://www.ycombinator.com/launches/SzD-veltha-ai-claims-adjuster-for-regulated-insurance", "votes": 9, "created_at": "2026-08-21T01:30:00.652Z" } ] }, { "id": 32625, "name": "Qlo", "slug": "qlo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6bdf97a8fbe4a8a51a745ce366d9c6c2bfc6d75c.png", "website": "https://www.getqlo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Qlo builds AI agents to run commercial insurance underwriting. We start by fully automating the operational work around risk decisions, become the system of record, and earn autonomy workflow by workflow toward the autonomous AI underwriter.\r\n\r\nWe’re rebuilding underwriting infrastructure from the ground up so human underwriters and AI agents can share the same accounts, rules, documents, permissions, and workflow state. \r\n\r\nWe believe every commercial insurance program will eventually be built and operated end to end by AI agents on Qlo.", "one_liner": "Legora for commercial insurance carriers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786080312, "tags": [ "Insurance", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/qlo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/qlo.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getqlo/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6bdf97a8fbe4a8a51a745ce366d9c6c2bfc6d75c.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": 1640725, "full_name": "Ryan Hu", "title": "Founder/CEO", "founder_bio": "Founder of Qlo. Previously bootstrapped a B2B product studio to $500K ARR and built a commercial insurance marketplace that received an acquisition offer from a public insurer. Moved from Taiwan to build in the U.S. Studied Electrical Engineering at National Taiwan University before dropping out.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chenshuohu/", "x_url": "https://x.com/hcsfox", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/088d399ab10b6ca1a2786d60505cd551af8dd69a.jpg" }, { "user_id": 3743083, "full_name": "Liv Huang", "title": "Founder", "founder_bio": "Co-Founder at Qlo. Previously Cloud Engineer at CuboAi, building scalable backend infrastructure and driving cross-functional AI adoption. Self-taught engineer with an academic background in Counseling and Educational Psychology.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/livhg", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/78b8b2063eb5fea134f67a8cc93fc8d3c4f45897.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 111422, "title": "Qlo - AI agents that run commercial underwriting", "tagline": "The underwriting system of record for the AI era", "body": "**TL;DR:** Qlo uses AI agents to run commercial underwriting operations from submission to renewal. We rebuilt the underlying system so agents can operate across the entire workflow, not sit beside another legacy system. One enterprise client signed a two-year contract, went live in May, and has since tripled weekly primary quote throughput. The end state is autonomous underwriting that follows each company’s underwriting judgment and stays within the carrier’s appetite.\n\nToday, we’re launching the **Qlo Inbox Agent**.\n\n\n\n### The Problem\n\nMore than $110B in commercial insurance premium flows through U.S. MGAs every year. Much of the work still begins with an email from a broker.\n\nCommercial underwriters can spend up to 80% of their day in the inbox, chasing missing applications, loss runs, and other submission documents. Even a submission with roughly $50K in annual premium can take 48 hours to turn into a quote.\n\nOnce the information arrives, teams still need to prepare the data, run the rater, and assemble the right endorsements and quote variants.\n\nWhen volume grows, teams add headcount. But underwriting judgment is hard to train and keep consistent. Costs rise, good submissions remain untouched, and inconsistent decisions can hurt loss ratios.\n\nMore premium left on the table, now with more people on payroll.\n\n### What We Built\n\nQlo runs the commercial underwriting workflow from submission to renewal. Specialized agents handle each operational step, while supervisor agents coordinate the work and communicate with the underwriter.\n\nThe Inbox Agent is one of those supervisors. An underwriter can message it from a phone like a teammate. It understands the instruction, calls the right subagents, and completes the work inside Qlo.\n\n**The underwriter makes the call. The agents make it happen.**\n\nOne of those subagents is the Rater Converter we launched on Bookface. It turns an existing rating spreadsheet into a validated digital worksheet the rest of the workflow can use.\n\nThis is what agent-compatible means to us: agents understand the workflow, have the right context, and can act across the system. Today, they execute the underwriter’s decisions. The end state is autonomous underwriting within each company’s judgment, appetite, and controls.\n\n**The party has begun. Let the agents dance on top of Qlo.**\n\nGuidewire and Vertafore helped define the last era of commercial insurance software. We’re building Qlo to define the next one.\n\n### Why Us\n\nBefore Qlo, Ryan spent 2.5 years building a commercial insurance marketplace and saw carrier-side systems up close. The company received acquisition terms from a public insurance company, and two founders who were customers there are now advisors to Qlo.\n\nLiv previously led backend at a Taiwanese baby-monitor company generating roughly $15M in annual revenue. Ryan and Liv had already built together before starting Qlo.\n\nWe build alongside experienced underwriters who want to help define how commercial insurance will operate in the AI era.\n\n### Our Ask\n\nWe’re looking for:\n\n* **Introductions to commercial MGAs and program administrators**, especially submission-heavy programs with complex rating files or underwriting teams hitting the limits of their current systems.\n* **Introductions to investors who understand commercial insurance** and see the same path toward autonomous underwriting.\n* **Insurance operators with strong opinions about the future of underwriting**. Even if you’re not looking for a new system, we’d still like to learn how your business works.\n\nIf you run an MGA or program, want to build with us, or see the same future as an investor, email us at [founders@getqlo.com](mailto:founders@getqlo.com).\n\nCommercial insurance moves slowly because **distribution beats architecture**.\n\nBut distribution eventually stops scaling when the architecture underneath it no longer works.\n\nThe system that solves the real problem will be adopted. Time will tell.\n\nWe’ll keep building.\n\n![uploaded image](/media/?type=post&id=111422&key=user_uploads/1640725/d836b808-6597-42f6-b85c-a1aed3413267)\n\n", "url": "https://www.ycombinator.com/launches/Sz8-qlo-ai-agents-that-run-commercial-underwriting", "votes": 35, "created_at": "2026-08-20T15:00:00.451Z" } ] }, { "id": 32650, "name": "Risklytics", "slug": "risklytics", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/879622d4fa103941586542ac659eaf9b60d897f0.png", "website": "https://www.risklytics.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Risklytics is the insurance company for frontier tech such as physical AI, robotics, and data centers. Companies answer 6 questions and we bind a tailored policy that other insurance companies won’t.", "one_liner": "AI-Native Insurance for Frontier Tech", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1783123197, "tags": [ "Hardware", "Machine Learning", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/risklytics", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/risklytics.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/risklytics", "x_url": "https://x.com/Risklytics", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/879622d4fa103941586542ac659eaf9b60d897f0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 2973325, "full_name": "Samuel Gold", "title": "Founder/CEO", "founder_bio": "Founder at Risklytics (YC S26). Building a brokerage for frontier tech. On leave from Harvard.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samuelggold", "x_url": "https://x.com/SamGGld", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b99591b78044a8c663b7b4eb65a1fe000a6bb179.jpg" }, { "user_id": 2666435, "full_name": "Alexander Risio", "title": "Founder/CTO", "founder_bio": "Founder at Risklytics (YC S26). Building a new type of insurance brokerage.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexanderrisio/", "x_url": "https://x.com/alexrisio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dc585a4120c666a66e51d372101b7f5ed304f437.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110197, "title": "Risklytics: Insurance for the Frontier", "tagline": "Insurance for companies pushing the frontier of what is possible with AI, from robot fleets to agents in production.", "body": "**TLDR:** Risklytics is a commercial insurance brokerage for companies building with AI in the physical space, from robot fleets on customer sites to agents running in production. This year many insurance companies stopped covering risks that involve AI. We find the insurers that will still cover it, translate what you're building into terms they can price, and read every clause before anything is signed.\n\n\n\n**The problem**\n\nStarting this year, many insurance companies began excluding coverage for injury and property damage arising out of AI.\n\nFor a hardtech company that language reaches everything you do. If AI touched the work anywhere, including the tools your engineers designed it with or the product itself, the insurer can deny the claim.\n\nThe problem with these exclusions is that they get added account by account, so the same hardware can be covered at one insurer and excluded at the next, and nothing in the process makes that obvious. It shows up as a form number on the endorsement list attached to your renewal, which is why most founders don't learn they have one until they file a claim.\n\n**Why now**\n\nPhysical AI is scaling faster than the insurance market underneath it. Insurance moves slower, and its first instinct with an unfamiliar risk is to exclude it and wait for loss data. Cyber went the same way: exclusions first, then specialists who understood it, then a real market. AI is at the exclusion stage now, and these companies pushing the frontier can't wait for the cycle to finish on its own. \n\n**What we do**\n\nWe handle the whole coverage process end to end.\n\nYou send us an application. We take what you're building and put it in terms an insurance company can understand and price.\n\nThen we go to market. We have access to hundreds of insurance companies, the ones that actually write this kind of risk, and we take your file to them. Most will pass. The few that want it compete on price and terms, and we keep shopping until every requirement you have is met, including the limits your customer contracts demand.\n\nWhen offers come back we read the policies line by line. If an AI exclusion is attached, we push to get it removed, or we find a company that writes the AI coverage in on purpose. Then we tell you in plain terms what you've got.\n\nWe cover the lines your company actually needs: general liability, umbrella, property, equipment in transit and on customer sites, workers' comp, professional liability, management liability, and cyber.\n\nYou never pay us. The insurance company pays us a commission out of the premium when a policy is placed, so applying costs you nothing and there's no additional fee from us at any point.\n\n**Where this goes**\n\nPhysical AI is expanding faster than any industry, and every company in it buys insurance every year for as long as it exists. The programs grow as the fleets grow.\n\nWe want to be the brokerage that grows with them: the people who know this risk best, hold the relationships with the markets that write it, and build the loss data of the future.\n\n**Why us**\n\nWe're Sam and Alex, on leave from Harvard. We were already in insurance building models when we noticed that batch mates building some of the most innovative technology in the world couldn't get covered at all. Since then we’ve landed partnerships to offer these frontier companies easier access to better policies.\n\n![uploaded image](/media/?type=post&id=110197&key=user_uploads/2666435/74c5c462-a2ff-44b8-ac6c-f8ebc7807dbd)\n\n\n**The ask**\n\nIf you're building anything on the frontier, apply at[ risklytics.ai](http://risklytics.ai). It takes a few minutes, it costs nothing, and we'll come back with what the market says.\n\nIt doesn't matter what you have in place today. If you're building, we want to get you covered.\n\nAnd if you're an insurer, MGA or wholesaler with appetite here, we want to talk:[ risklytics.ai/markets](https://www.risklytics.ai/markets/)", "url": "https://www.ycombinator.com/launches/SfN-risklytics-insurance-for-the-frontier", "votes": 53, "created_at": "2026-08-13T16:30:00.597Z" } ] }, { "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" } ] }, { "id": 32782, "name": "Denta", "slug": "denta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png", "website": "https://denta.com", "all_locations": "San Francisco, CA, USA", "long_description": "Starting with dental benefits, we are relentlessly simplifying the process for patients to receive better coverage at a lower cost by putting the buying power back into the hand of the individual.", "one_liner": "Fortune 500 Dental Benefits for Startups", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1782407143, "tags": [ "Fintech", "Healthcare", "Health Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/denta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/denta.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trydenta/", "x_url": "https://x.com/jackbeecher23", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1959995, "full_name": "Jack Beecher", "title": "Founder/CEO", "founder_bio": "Dartmouth dropout. Studied CS & Math. Removing the biggest problem from dentistry: insurance.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jack-beecher-459a13180", "x_url": "https://x.com/jackbeecher23", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec1fbfdbc45b527c4f8961d1bf237f521fe2b6eb.jpg" } ], "jobs": [ { "id": 109683, "title": "Founding Growth", "url": "https://www.ycombinator.com/companies/denta/jobs/re7M7Ih-founding-growth", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "1.00% - 2.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 111300, "title": "Denta 🦷 Dental Benefits", "tagline": "Save time and money on dental benefits", "body": "Denta makes dental benefits 25% cheaper by selling plans directly to employers and processing claims instantly with AI.\n\n**Growing up in Dentistry → Solving Its Biggest Problem**\n\nI grew up in the back office of my dad’s dental practices, spent my high school years answering patient calls, and built software for over 300 dentists during college. I'm now solving the industry's biggest problem: insurance.\n\n**The Waste**\n\nEveryone knows how bad health insurance is, dental insurance is worse. In the US, dental insurers collect $100B per year. Despite the $25B of that spent on administration, it still takes insurers three weeks to pay claims with paper checks that Denta can pay electronically in seconds.\n\n![uploaded image](/media/?type=post&id=111300&key=user_uploads/1959995/0f923bd6-9f67-40bc-bdbe-474a4882e652)\n\n**Saving you money**\n\nDenta helps startups self fund their dental insurance. Most Fortune 500s choose this model of insurance to save money while providing better employee benefits. For startups, this model was previously inaccessible.\n\n**Mission**\n\nDenta will not stop until all of America is covered. We believe by removing the friction and waste in the industry, there will be a new age of abundance where both the dentist and patient win.\n\n**Insure like the best**\n\nIf you want to save money on dental benefits while providing the best possible experience for your employees, sign up at [denta.com](http://denta.com)", "url": "https://www.ycombinator.com/launches/SxA-denta-dental-benefits", "votes": 8, "created_at": "2026-08-26T21:00:00.368Z" } ] }, { "id": 32814, "name": "Computable", "slug": "computable", "former_names": [ "Hobby.Trade" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4778fcb121d43a885f6b39a13d66a2fe2364fb1a.png", "website": "https://getcomputable.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "Derivatives Exchange for Compute", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1784612730, "tags": [ "Marketplace", "Finance", "Cloud Computing", "Trading", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "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/computable", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/computable.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://x.com/getcomputable", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4778fcb121d43a885f6b39a13d66a2fe2364fb1a.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": [], "jobs": [], "news": [], "launches": [ { "id": 110494, "title": "Computable: The Exchange for Physical Compute", "tagline": "the first exchange for physical compute where you can buy, sell, use, and hedge GPU capacity for exactly the dates you want", "body": "Hi, we're Computable, the first exchange for physical compute where you can buy, sell, and use GPU capacity for exactly the dates you want like staying on Airbnb. You pay less, commit less, and stay flexible.\n\n\n\n**The problem**\n\nCompute is the newest major commodity, but it still trades like an asset from the last century. You overpay going in and you eat the weeks you don't use.\n\n**How it works**\n\nWe put a public price on every week. Open the market and you'll see dedicated H100 nodes, every week through January 2027, each with its own price, from $2.55/GPU-hr. Pick a start week and an end week, and it's yours.\n\n* **Buy the exact weeks you need.** Two nodes for the last two weeks of October is just a few clicks, and you never pay for weeks you don't want.\n* **Sell back what you don't use.** If your plans change, sell the weeks back to the market whenever you want; we keep a market quote posted on every position.\n* **Lock next year at a price you can see.** January 2027 is on the grid today, so you know exactly what the future run costs before another H100 40% rate jump happens.\n* **Real machines, fast.** Dedicated H100 SXM nodes, full SSH root access, live within an hour of your window start.\n\n**Why us**\n\nOur founding team comes from Jump Trading, Coinbase, Citadel Securities, and other trading firms and exchanges. We have spent our careers building markets. Stay tuned for more products coming soon as we build out the financial infrastructure of the AI economy.\n\n**Our asks**\n\n* **Open [market.getcomputable.com](http://market.getcomputable.com) and buy GPU!**\n* **Tell us what to list next: GPU type, region, dates.** Email [team@getcomputable.com](mailto:ray@getcomputable.com); it directly sets what goes on the grid.\n* **If GPU prices move your margins or you are worried about your long-term contracts, email [team@getcomputable.com](mailto:ray@getcomputable.com).** We have a super cool product in pipeline for exactly this. Early testers get it first!", "url": "https://www.ycombinator.com/launches/SkA-computable-the-exchange-for-physical-compute", "votes": 26, "created_at": "2026-08-18T19:00:00.333Z" } ] }, { "id": 33018, "name": "Agentcard", "slug": "agentcard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5470e0782b6543d28db5fba3d76fabbdb0b65435.png", "website": "https://www.agentcard.com", "all_locations": "San Francisco, CA, USA", "long_description": "Agentcard let's companies buy anything online. We work with companies building personal assistants to enable payments.", "one_liner": "let agents buy anything online", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1780682746, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "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/agentcard", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/agentcard.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://x.com/agentcardhq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5470e0782b6543d28db5fba3d76fabbdb0b65435.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": 347376, "full_name": "Karen Serfaty", "title": "Founder/CEO", "founder_bio": "CEO & founder at Agentcard. Previously CEO at Atlas, an expense card for global teams (acq. by Remote.com). GM, Cards at Remote.com. Co-founder/CEO at Palabra. Co-founder/CTO at Nilus. Studied Universidad de San Andrés.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/keyserfaty/", "x_url": "https://twitter.com/keyserfaty", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9a7f149b222e50cb6a5d45e0924b01e869722853.jpg" }, { "user_id": 363364, "full_name": "Felipe Abello", "title": "Founder/CTO", "founder_bio": "cofounder at agentcard.sh - prev: cofounder at infactory.ai - founder & CEO at Nara (Helloguru W22) - ex @Rappi (1st employee).", "is_active": true, "linkedin_url": "https://linkedin.com/in/pipe-abello-2512b9195", "x_url": "https://twitter.com/PipeAbellos", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/93a0a14dff5fd9699028e53e41ccea1045766a8c.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 112244, "title": "Agentcard: Cards for AI agents", "tagline": "Let agents buy anything online", "body": "[ ](https://www.youtube.com/watch?v=RaeATYNiBbY)\n**TL;DR**\\\nBuying online with agents is hard. You can't share your card with your agent, browser automations are broken and slow, and most checkout pages block agents, mistaking them for bots. Agentcard gives companies a solution for storing users' credit cards and completing checkout pages with a 99% success rate.\n\n**Ask**: building an agent that buys things on behalf of your users? send us a msg: [founders@agentcard.sh](mailto:founders@agentcard.sh)\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/2d085793-25d2-412b-9d20-40785159d157)\n\n**Problem**\n\nCompanies building personal AI assistants want to give their users a simple way to buy using agents. Today, they need to 1) create browser automations to navigate online stores, 2) store users' cards, and 3) complete checkout pages. None of this is their main product. And current solutions don't work: agentic protocols for storing cards have an 8% card acceptance rate (i.e., most of your cards don't work) and are US-only; agentic browsers get blocked when trying to complete a checkout page; companies store cards without being PCI compliant; and, finally, any dispute becomes a problem for the merchant.\n\n**Our solution**\n\n* **Card vault**: a PCI-compliant way to store users' cards.\n* **Agent-browser integration**: native integration with the main agent browsers.\n* **Bring your own browser**: simple integration with your own browser.\n* **Checkout completion**: 99% success rate on the most popular merchants (Shopify, Stripe and others).\n\n**How it works**\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/9b3b8719-6d1d-44c1-9995-685b7e2d0036)\n\n1. **Store card**: share a safe link with your customer and store their cards with Agentcard.\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/5282b31a-6d30-4a8e-a00d-972dfde54697)\n\n2. **Shop**: with the agent browser of your choice, complete the purchase on behalf of your user using a dummy card.\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/612a72b0-6f23-4791-a731-2acc837afe5b)\n\n\n3. **Human authorization & checkout handoff**: share the cart URL with Agentcard and let us complete it.\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/de5efb81-bc1a-4caa-ba18-fe25af0f257f)\n\n4. **Success**: we notify you when the purchase is done.\n\n**Team**\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/d538ba37-4d5d-4693-a2cb-269790b34248)\n\n* **Karen Serfaty**: CEO @ Agentcard. Prev. CEO @ Atlas (acq. by Remote). An expense card for global teams. Before that CTO @ Nilus incubated at Harvard; software engineer for +10 years.\n* **Felipe Abello**: CTO @ Agentcard. Employee #1 @ Rappi. Prev. CEO @ Helloguru (YC W22). Prev. co-founder @ Infactory.\n* **Braxter**: Sales @ Agentcard. All things Agentcard. Haters will say he’s an AI character. Don’t listen.", "url": "https://www.ycombinator.com/launches/TCO-agentcard-cards-for-ai-agents", "votes": 38, "created_at": "2026-08-26T18:00:00.618Z" }, { "id": 103608, "title": "Agentcard: Debit cards for AI agents", "tagline": "Everything an agent needs to pay for things online", "body": "hey everyone, we're [Karen](https://x.com/keyserfaty) and [Felipe](https://x.com/PipeAbellos), and we are building [Agentcard](https://www.agentcard.sh/): debit cards for AI agents.\n\n# TL;DR\n\nAI agents are finally smart enough to do real things for you. but the second they need to pay for something, they're stuck, and handing an agent your real card (no limits, no controls) is a terrible idea.\n\nso we built [Agentcard](https://www.agentcard.sh/): give your agent its own debit card: fund a wallet, set a budget, and issue one-time cards that auto-close after a single charge. works with any agent over MCP, the CLI, or our API. its everything an agent needs to pay for things online. here's the lineup:\n\nso we built Agentcard — everything an agent needs to pay for things online. here's the lineup\n\n# the team\n\n[Karen](https://x.com/keyserfaty) (CEO): former CEO @ Atlas (acquired by Remote), then turned down a job at Stripe to build Agentcard instead.\n\n[Felipe](https://x.com/PipeAbellos) (CTO): second-time YC founder (HelloGuru, W22) and first employee at Rappi (YC W16), where he shipped consumer products at scale. \n\n# the problem\n\nagents can now research, plan, and decide but the second they need to pay, they're stuck. the workarounds are all bad: hand your agent your real card and you've got no limits and no controls (one bad prompt from disaster), or build your own issuing + checkout stack and lose months becoming a payments company. so agents do the first 90% and hand checkout back to you, the most valuable step is the one they can't take.\n\n# the solution\n\n[Agentcard](https://agentcard.sh/) is everything an agent needs to pay for things online:\n\n* **💳 cards**\\\n give any agent its own debit card: fund a wallet, set a budget, and issue one-time cards that auto-close after a single charge. if something goes wrong, the blast radius is one capped card, not your bank account.\\\n \n* **🛒 buy (new — launching today!)**\\\n you don't even wire up a merchant. connect once, then tell your agent \"buy me sushi\" and it runs the whole thing — search, cart, checkout, payment — in the conversation. first up: DoorDash, right from inside Claude. it feels like magic 🥹\\\n \n* **🏢 Agentcard for companies**\\\n drop [Agentcard](https://www.agentcard.sh/) into your own product and give your users' agents their own cards at scale, with budgets and spend controls built in.\n\nall of it works with any agent: over MCP, the CLI, or our API. and people are already using it: agents out there paying for OpenAI subscriptions, groceries and infra on their own.\n\n# our ask\n\n* building with agents? try it → [agentcard.sh](http://agentcard.sh), and tell us which merchant we should add next\n* building a product whose agents should buy things? let's talk → [founders@agentcard.sh](mailto:founders@agentcard.sh)\n\nthanks everyone 🙏", "url": "https://www.ycombinator.com/launches/Qx6-agentcard-debit-cards-for-ai-agents", "votes": 31, "created_at": "2026-06-25T19:25:46.736Z" } ] }, { "id": 33023, "name": "Levocred AI", "slug": "levocred-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4211252c17df7b0a89dc9c36ce49996bef59474d.png", "website": "https://levocred.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Levocred AI build AI employees for lenders including credit funds, fintechs, credit unions & banks to automate operations like servicing/collections, underwriting, back-office tasks etc. ", "one_liner": "AI Workforce for lenders", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1782022398, "tags": [ "Finance", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "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/levocred-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/levocred-ai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/levocred-ai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4211252c17df7b0a89dc9c36ce49996bef59474d.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": 3179062, "full_name": "Mohit Gupta", "title": "Founder/CEO", "founder_bio": "Employee #1 at a credit fund that went from $10M to $1B AUM. Managed $200M at 23, evaluated $100B of loans. Ex Morgan Stanley fixed income. CS @ IIT Bombay, Finance @ UC Berkeley. Now building the Bloomberg of loans.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/guptamohit2299/", "x_url": "https://x.com/gupta_m0hit", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3ec48e4ead1bd6681f312cacd75cb1ddb691cd74.jpg" }, { "user_id": 1978755, "full_name": "Saksham Gupta", "title": "Founder/CTO", "founder_bio": "Founding engineer at a credit fund, where he built and scaled the trading and data infrastructure as the fund grew from $150M to $1B+ in AUM. EE @ IIT Kanpur", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gupsak", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d005e1efc44e74b6946d4413ff8c73a055def3b8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109810, "title": "Levocred: AI platform for credit funds, fintechs and banks", "tagline": "AI for credit funds, fintechs and banks", "body": "---\n\n**TLDR:** Levocred AI (YC S26) is an AI-native platform for credit funds, fintechs and banks to automate workflows like back-office tasks, portfolio monitoring, compliance and underwriting. Live across multiple credit teams, running \\~$1Bn in receivables through the platform.\n\n\\*\\*Video:\\*\\*\\\n\n\nThe winning teams will scale with token consumption, not headcount. Try it today: \n\n**The problem**\n\nCredit teams run on data scattered across 5-6 tools (CRM, LMS, data rooms, servicer reports) and endless spreadsheets. So highly-paid analysts become data janitors, copy-pasting between systems and rebuilding the same models — instead of the real job: underwriting and managing risk.\n\nIt's the same story across all of an analyst’s workflows (like new deals, monitoring, reporting, workouts). One example: to borrow against a credit facility (it’s like a credit card for fintechs with a limit typically in the $100Ms ), a team produces and verifies compliance certificates by hand. That's hours of Excel every time, so they draw less often than they should, leaving millions on the table.\n\n**What is Levocred?**\n\nLevocred is an AI employee for your credit team. It plugs into your loan tapes, credit agreements, servicer reports, and bank feeds, learns how you work, and runs the workflows your analysts do by hand today.\n\n* Analyzes new deals and drafts the investment memos\n* Monitors the portfolio, marks valuations, and answers questions in Slack (\"what's our exposure to X?\")\n* Produces and checks compliance certificates, and handles covenant and LP reporting\n\nWhy it works when nothing else has:\n\n* **It's AI-native, not a rules engine.** Older tools only work if you hand-code every rule, so they break on messy, real-world data. Levocred's agents read your actual documents and tapes and reason across them. We already run consumer, fintech, litigation finance, and MCA through the same engine.\n* **You stay in control** with full auditability and no waiting on a vendor's engineers\n* **It compounds.** Every document you load makes it smarter about your book. That data moat is yours. It’s why usage only grows.\n\nThe result: a draw that took a day of Excel takes minutes, monitoring runs continuously instead of monthly, and your team spends its time on judgment, not grunt work.\n\n**Team**\n\n* **Mohit Gupta (CEO)**: Studied CS at IIT Bombay (ranked 53rd of 1.2M in the JEE) and Finance at UC Berkeley. Founding engineer at a credit hedge fund, where he later managed a $200M book.\n* **Saksham (CTO)**: Previously Software Engineer at a credit fund, where he built and scaled infrastructure as the fund grew. Electrical & Electronics from IIT Kanpur", "url": "https://www.ycombinator.com/launches/SZ8-levocred-ai-platform-for-credit-funds-fintechs-and-banks", "votes": 5, "created_at": "2026-08-11T15:30:00.232Z" } ] }, { "id": 33048, "name": "Pennant", "slug": "pennant", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fbb4be6497bcd38a1210a0561cf3eb84422ab32.png", "website": "https://www.getpennant.ai", "all_locations": "New York City, NY, USA", "long_description": "Led by former institutional proxy voters and technologists with a collective 20+ years of experience, Pennant gives institutional investors, public companies, and corporate advisors voting and governance intelligence to act on their own principles at scale.", "one_liner": "The World Model for Corporate Governance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1786584832, "tags": [ "Fintech", "Investing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/pennant", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/pennant.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pennant-ai", "x_url": "https://x.com/pennant_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fbb4be6497bcd38a1210a0561cf3eb84422ab32.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/642317534b66a99aea64b59d023b97471b2e61fe.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5dd4ad2aebecc8b69db01a98a2fc2aa9ffedb2e8.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 3388610, "full_name": "Ryan Nowicki Stewart", "title": "Founder/CEO", "founder_bio": "Co-Founder at Pennant. 10+ years asset management, proxy voting & shareholder activism industry experience across PJT, State Street and BlackRock. Palantir Startup Fellowship Cohort 002. Cornell U. Economic Club of NY. Hoover Institution.\n\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ryan-nowicki-stewart/", "x_url": "https://x.com/rywicks", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ce9a1682e6222638bce37b0d89bdf0e78b7aeb8.jpg" }, { "user_id": 473596, "full_name": "Tomas Taylor", "title": "Founder/CTO", "founder_bio": "Co-Founder at Pennant. Previously PM at BlackRock. Founded Mindware, an agent tooling infrastructure startup, before MCP. Also co-founded ClawCon, the fastest-growing community for Personal AI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomastaylor", "x_url": "https://x.com/0xtotaylor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cf9b1177e1c0378455a6b6503c630ed7aed90706.jpg" } ], "jobs": [ { "id": 111722, "title": "Founder Fellow - GTM, Growth & Strategy", "url": "https://www.ycombinator.com/companies/pennant/jobs/21lflHF-founder-fellow-gtm-growth-strategy", "location": "New York, NY, US", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Data Analytics", "Figma", "Evals", "AI Agents", "AI Safety", "Generative AI" ] }, { "id": 111727, "title": "Founder Fellow - Applied AI", "url": "https://www.ycombinator.com/companies/pennant/jobs/eUFGOW1-founder-fellow-applied-ai", "location": "New York, NY, US", "type": "Internship", "role": "Engineering", "role_type": "AI engineer", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Node.js", "PostgreSQL", "Python", "TypeScript", "SQL", "Prompt Engineering", "LLMs", "Evals", "AI Agents", "BigQuery", "Generative AI", "OpenAI", "LangSmith" ] }, { "id": 111752, "title": "Founding Engineer, Data & AI", "url": "https://www.ycombinator.com/companies/pennant/jobs/z6mIB9W-founding-engineer-data-ai", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "0.25% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Go", "Google Cloud", "Kubernetes", "Node.js", "PostgreSQL", "Python", "TypeScript", "SQL", "Docker", "ETL", "gRPC", "Terraform", "LLMs", "AI Agents", "LangChain", "BigQuery", "Generative AI", "NestJS", "OpenAI", "LangSmith", "Datadog" ] }, { "id": 111753, "title": "Founding Engineer, Product", "url": "https://www.ycombinator.com/companies/pennant/jobs/Y5USzcY-founding-engineer-product", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "0.25% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Node.js", "PostgreSQL", "React", "TypeScript", "SQL", "Next.js", "LLMs", "AI Agents", "Generative AI", "NestJS", "Vercel", "Playwright", "OpenAI", "LangSmith", "Datadog" ] } ], "news": [ { "title": "EP28: Proxy Voting Is Always On: Pennant’s Ryan Nowicki Stewart on AI-Native Proxy Voting", "url": "https://www.thefundaipod.com/episodes/episode/33ed71e2/ep28-proxy-voting-is-always-on-pennants-ryan-nowicki-stewart-on-ai-native-proxy-voting", "date": "Oct 13, 2026" }, { "title": "AI tools emerging in proxy voting - Pensions & Investments", "url": "https://www.pionline.com/technology-innovation/artificial-intelligence/pi-ai-tools-emerging-proxy-voting/", "date": "Oct 04, 2026" }, { "title": "START: Ryan Nowicki Stewart, CEO & Co-Founder, Pennant: \"The Corporate Governance OS for Public Markets\" | Fondo", "url": "https://fondo.com/blog/start-ryan-nowicki-stewart?utm_term=ryan-nowicki-stewart-pennant&utm_campaign=10061329-Startup%20Growth%20Podcast&utm_content=386749028&utm_medium=social&utm_source=twitter&hss_channel=tw-1843505047692554240", "date": "Sep 30, 2026" }, { "title": "Boardroom Governance - Ryan Nowicki Stewart", "url": "https://podcasts.apple.com/in/podcast/ryan-nowicki-stewart-ceo-pennant-ai-ai-proxy-voting/id1513064579?i=1000792196213", "date": "Sep 29, 2026" }, { "title": "Cornell University: Successful Alumni Who Founded Startups - TechRound", "url": "https://techround.co.uk/startups/cornell-university-successful-alumni-who-founded-startups/", "date": "Sep 25, 2026" } ], "launches": [ { "id": 110156, "title": "Pennant - The Corporate Governance OS for Public Markets", "tagline": "AI-native proxy voting and governance intelligence, built by the team who used to do it by hand.", "body": "**TL;DR:** Pennant is building AI-native proxy voting solutions for institutional investors, public companies, and their advisors. We’re live with paying enterprise customers, including one of the largest US public pension plans, a Top AmLaw 100 firm, and leading governance advisors. Before Pennant, our team built trillion-dollar tech at BlackRock, cast proxy votes at State Street, and advised Fortune 100 boards at PJT.\\\n\\\n[https://drive.google.com/file/d/1_WDs1VB213EcPS5caE5XK7L6UkZLz07l](https://drive.google.com/file/d/1_WDs1VB213EcPS5caE5XK7L6UkZLz07l/preview)\n\n**The problem:** Proxy voting at publicly traded companies drives trillions in market value every year. Shareholder votes decide $100B mergers, trillion-dollar pay packages, and the boardroom battles that define companies.\n\nYet the work is brutally manual: reviewing thousands of pages of SEC filings, research, and engagement notes that live in a patchwork of PDFs, spreadsheets, and post-it notes. And for professional advice, the market has relied on two firms, ISS and Glass Lewis, for 40+ years, a duopoly that controls 97% of the market.\n\n**Why Now:** Technological change and market sentiment are ripping this market wide open.\n\nCEOs have been sounding the proxy-advisor alarm for years:\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/45604eff-9d48-4271-90ed-b3bf6000b461)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/a5232d8f-91b7-44bd-8116-f0d251b764d0)\n\nAnd now big investors and the White House are taking action.\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/12da7f65-6e5c-4e57-b2d5-76c18fac1fcf)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/00e9661e-2b7e-414d-8c2c-f4d4f47b8b55)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/47c99681-6ca9-484b-ab33-102a4021cd92)\n\nJPMorgan is even building its own solution. But 99% of the investors, companies, and advisors we talk to don't want to own this themselves, or don't have the resources to. That's where Pennant comes in, and it's why we're winning business out of the gate.\\\n\\\n**Why Pennant is better:** Pennant isn't a better proxy advisor. We're building something bigger: the AI-native operating system for corporate governance, built by former proxy voters and technologists, a team that cast these votes and shipped the software at institutional scale.\n\nPennant gives institutional investors, and the advisors and companies they engage with, voting and governance intelligence to act on their own principles at scale. Legacy tools follow rigid rules; Pennant reasons through each ballot item, inbound email, and engagement question the way your team would, handling the clear calls and flagging the nuanced ones, keeping people in the driver's seat.\n\nAs one of our customers put it last week, “\\[incumbent xyz\\] can handle our routine stuff for another year, but we’re thrilled to use Pennant for the custom heavy-lifting that we’ve been wanting to do for a long time, and use you for everything from there.”\n\nPennant also serves the other side of the vote: public companies, law firms, and bankers who need to read their shareholder base and predict risk before the annual meeting. Same data, bigger market. The market at the intersection of investing and corporate governance is estimated at well over $200 billion, and it remains largely unserved by today's tools.\n\n**Traction:** Pennant is live with paying enterprise customers, including one of the largest US public pension plans, a Top AmLaw 100 firm, and leading governance advisors. We're partnered with a top global asset manager as a design partner and are actively engaged with S&P 500 companies. Before YC S26, Pennant was selected for Palantir's Startup Fellowship (Cohort 002).\n\n**Why us:** We've known each other for 15 years, since our undergrad days at Cornell, and started our careers on the same analyst desk at BlackRock building tech products for these exact customers. We have a rare pairing: direct industry experience as the customer, plus the engineering chops to ship fast and earn trust.\n\nAfter BlackRock, Ryan (CEO) was the customer for 6+ years, voting proxies at 3,000+ company meetings and advising Fortune 100 companies on how to win critical votes at PJT Partners. He used Glass Lewis and ISS every day.\n\nTommy (CTO) took the technical path, shipping products at BlackRock before earning his Harvard MBA and founding Mindware, where he built workflow-ready infrastructure for AI agents. He was building agentic AI before \"agents\" were hot, and Pennant is where his engineering background meets Ryan's proxy-voting expertise.\n\n**Our ask:** If you own or touch proxy voting as an investor, advisor, or public company, we want to talk: \n\nLearn more at [getpennant.ai](http://getpennant.ai)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/d8fefc8c-cf1c-4ef8-a175-f112644f9ca7)\n\n", "url": "https://www.ycombinator.com/launches/Sei-pennant-the-corporate-governance-os-for-public-markets", "votes": 19, "created_at": "2026-08-12T18:30:00.287Z" } ] }, { "id": 33178, "name": "TovenAI", "slug": "tovenai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b832a1e965bc59dfbc18a9817802870d7264332.png", "website": "https://toven.ai", "all_locations": "San Francisco, CA, USA", "long_description": "TovenAI builds a platform of AI agents that handle manual, data-intensive work for compliance teams at institutional trading firms, with six agents currently live. Our customers range from specialist firms to large global institutions, with our agents supporting multiple compliance workflows at a top-10 institutional brokerage.\r\n\r\nWith prebuilt connectors to more than 30 systems—including Bloomberg, Cloud9, and NICE Actimize—firms can onboard to our platform and evaluate results using their own data in less than a week.", "one_liner": "AI agents for compliance at institutional trading firms", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1786560317, "tags": [ "Fintech", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tovenai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/tovenai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tovenai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b832a1e965bc59dfbc18a9817802870d7264332.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 695373, "full_name": "Batu Balci", "title": "Founder/CEO", "founder_bio": "Founder at TovenAI. Previously Quantitative Research Engineer at Citadel's Global Quantitative Strategies group. Senior Software Engineer at Salesforce. Stanford CS.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/batuhan-balci-7a3589114/", "x_url": "https://x.com/batubbalci", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24f0a192733f83d6c638efaa5efeb8c9521f2e84.jpg" }, { "user_id": 2817439, "full_name": "Sam Turchetta", "title": "Founder/CTO", "founder_bio": "Cofounder at TovenAI. Previously worked on ML at Meta. Stanford Men’s Varsity Tennis and CS ’21.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sam-turchetta-b14311166/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/25fb2bee3c76413e5285ab143882be546aabb6c8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110467, "title": "TovenAI: Your intelligent compliance stack for finance", "tagline": "AI agents for compliance at institutional trading firms that understand firm policies, analyze activity across systems, and surface what matters most", "body": "**TL;DR:** Compliance teams at institutional trading firms still spend hours manually sifting through mountains of data across recorded calls, chats, and trade records to investigate activity and produce defensible audit trails. Determining what matters requires not only finding the right data, but also interpreting activity against applicable regulations and the firm’s own policies and procedures. TovenAI is building a platform of AI agents that connects to their systems, assembles the evidence, and surfaces what matters for compliance teams at these firms—think the sales and trading businesses at banks like Bank of America and specialist brokerages like Marex.\n\nWe are live at one of the top 10 institutional trading firms in the U.S., with multiple AI agents delivering value through our platform.\n\n\n\n## **What we built**\n\nTovenAI’s agents analyze activity across existing communications and trading systems using each firm’s policies, procedures, and applicable regulations as context, assembling the relevant evidence for compliance teams.\n\nOur trade-reconstruction agent rebuilds the full sequence of a trade, links every event to its source evidence, and reduces the process from around four hours to minutes. Our electronic-communications surveillance agent reduces the false-positive burden by 3× and, in a head-to-head evaluation, delivered roughly 7× more value per alert reviewed than the market-leading incumbent.\n\nOur platform supports several other compliance workflows, giving teams broader coverage with less manual work.\n\nWith prebuilt integrations to more than 30 systems – including Bloomberg, Cloud9, CME and NICE Actimize – firms can evaluate TovenAI on their own data in under a week without replacing their existing stack.\n\n## **Why us**\n\nWe met eight years ago at Stanford. Batu later worked as a quantitative research engineer at Citadel Global Quantitative Strategies, building AI systems for quantitative research. Sam was a machine learning engineer at Meta, working on its ads recommendation systems.\n\nWe work closely with our customers and sit besides compliance officers every day. This gives us a rapid feedback loop, lets us see their workflows firsthand, and allows us to redesign compliance operations with AI at their core.\n\nSam’s mother spent her 15-year career in risk and compliance and was our first sounding board as we began exploring the space.\n\n## **Our ask**\n\nWe would love introductions to compliance leaders at firms with institutional trading businesses.\n\nThink the sales and trading divisions of banks like **JPMorgan, Bank of America, Citizens**, as well as specialist brokerages like **TP ICAP and Marex**. We are interested in firms of all sizes, from specialist brokerages to the largest global banks.\n\nIf you know a broker or trader at one of these firms, they can likely connect us with someone on their compliance team.\n\nA one-line introduction is enough, and we will take it from there.\n\nEmail us at: [**founders@toven.ai**](mailto:founders@toven.ai)\n\nLearn more about us at .", "url": "https://www.ycombinator.com/launches/Sjj-tovenai-your-intelligent-compliance-stack-for-finance", "votes": 63, "created_at": "2026-08-19T18:58:36.456Z" } ] }, { "id": 33278, "name": "PRINCEPS", "slug": "princeps", "former_names": [ "Princeps Dev" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8face6fd127a729a79aa67ef1d9e4669f91060ab.png", "website": "https://princeps.dev", "all_locations": "London, England, United Kingdom", "long_description": "PRINCEPS is the first purpose-built insurance company for the trillion-dollar compute buildout. We underwrite SLA, GPU residual value, and outage risk, and price the coverage that unlocks cheaper financing for data centers and neoclouds.", "one_liner": "AI-native insurance company for the compute economy", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786600478, "tags": [ "Fintech", "Machine Learning", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/princeps", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/princeps.json", "year_founded": 2026, "city": "London", "country": "GB", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8face6fd127a729a79aa67ef1d9e4669f91060ab.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Vivian Midha Shen", "url": "https://www.ycombinator.com/people/vivian-midha%20shen" }, "founders": [ { "user_id": 3685149, "full_name": "Conrad Frøyland Moe", "title": "Founder/CEO", "founder_bio": "Co-Founder of PRINCEPS. 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When a submission comes in, Florin reads the ACORD forms, then investigates the risk on its own: satellite imagery, permits, public records, even the insured's Instagram, and catches exposures that never make it onto the application. It then simulates tens of thousands of ways the policy year could go, prices the risk, and returns a bindable quote in under a minute instead of weeks. 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Before that, worked on greenfield at-rest and in-transit encryption products deployed across 100,000+ hosts. BS in Computer Science from Purdue.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shauryaagg", "x_url": "https://x.com/shauryaagg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eb06d90980c2cf512f38cb7b7c193a45e72e5785.jpg" }, { "user_id": 3776296, "full_name": "Amol Pant", "title": "Founder/CTO", "founder_bio": "Built perception stack at Orchard Robotics, worked on Tesla's exaflop computer for Autopilot, built prototypes for autonomous rovers for NASA Artemis, worked flight simulators for Boeing.\nReach out if you love playing tennis", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amolpant/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77b4c26bdf0e4e663044721a47b1a03ff8359262.jpg" }, { "user_id": 3834278, "full_name": "Aydin Sorensen", "title": "Founder", "founder_bio": "7+ year Tech Lead at Amazon AWS & Twitch. Most recently, founding employee at TerraFirma, (vertically integrated construction robotics); scaled realized revenue from $500k to $30m & built foundation for global teleoperation for 50+ vehicle fleet across multiple continents.", "is_active": true, "linkedin_url": "https://linkedin.com/in/peterasorensen", "x_url": "https://x.com/formerlypeter", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eef2f8e1051ef18328494131e0cc6ed7328ca761.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109455, "title": "Florin: A full-stack insurance company with 0 underwriters", "tagline": "Autonomously places hard-to-price risks in seconds", "body": "**TL;DR:** Florin is a full-stack insurance company with 0 underwriters. Software takes a submission from a raw intake form to a bindable quote in seconds. Instead of matching a business to a class code, it verifies what the business actually does using satellite imagery, permits, public records and social media, then prices it by simulating tens of thousands of ways its next few years could go.\n\n\n\n**What we do and why**\n\nInsurance prices risk with class codes. An underwriter receives an application PDF, matches the business to a row in a rate table, and quotes off that row. This breaks in two ways. Applications are incomplete or wrong, so the price is built on bad inputs. And when a business does not fit any row, either because it is genuinely new (robotics, AI, autonomy) or because the table says the whole class or state is unprofitable, the answer is a declination. That is why carriers are exiting entire states and why a three-year-old industry can barely buy coverage at any price.\n\nFlorin replaces the table with evidence. It ingests the submission directly, no intake team. It builds its own picture of the business from the outside: aerial imagery of the actual premises, permits and public records, even the insured's social media, where it has caught operations that were never disclosed on the application. From that verified picture it runs simulations of the business's possible futures and produces a quote you can bind in seconds. No human touches the file.\n\n![uploaded image](/media/?type=post&id=109455&key=user_uploads/3776296/18477520-2b5a-4473-a727-92daf673768d)\n\n**Team**\n\n\\- Shaurya Aggarwal built silicon on Google's next-generation TPU team\n\n\\- Amol Pant was on Tesla's supercomputer team, designed rovers for NASA, and was early at a Thiel backed robotics startup\n\n\\- Aydin Sorensen was early at Terrafirma, a construction robotics company that recently raised $115M\n\nShaurya and I have been best friends since middle school, and Aydin and I were roommates in college. We all lived together in Seattle for 2 years.\n\n![uploaded image](/media/?type=post&id=109455&key=user_uploads/3776296/4f7bfc6e-40f1-4d8d-9111-97c034db9729)\n\n**Our asks**\n\n1\\. If your business has a risk that regular carriers and brokers keep declining or pricing absurdly, we want to hear from you. Email [shaurya@florin.inc](mailto:shaurya@florin.inc) or grab time at \n\n2\\. If you are a world-class quant, engineer, or underwriter and would rather build the pricing model than read files, we are hiring. Same email.", "url": "https://www.ycombinator.com/launches/STP-florin-a-full-stack-insurance-company-with-0-underwriters", "votes": 194, "created_at": "2026-08-06T14:23:00.075Z" } ] }, { "id": 35291, "name": "Elimentary", "slug": "elimentary", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5345725230878bce19968d49bf36c1acda691f77.png", "website": "https://www.elimentary.com", "all_locations": "New York City, NY, USA", "long_description": "Elimentary’s is building AI agents that can run middle/back-office operations for private capital managers, starting with structured credit. Most private capital managers focus primarily on sourcing and capital deployment. Meanwhile post-investment operations receive step-child treatment. While AUMs have increased exponentially over the last decade, operations continue to be painfully supported by humans using spreadsheets and emails. Things have started to break leading to investment write-offs, fines, penalties, and sometimes lost LP relationships. \r\n\r\nOur agents can run these operations (borrowing base calcs, cracking loan tapes, NAV calculations, etc.) end to end autonomously. For one of our customers, our agents cut a 20-hour ops process to 30 minutes. 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Previously with UBS, Goldman Sachs and Flipkart. Built and scaled a Pay Later product to 10 million users and $1 billion in loan book. Extensive experience across Fintech, Credit and Capital Markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yogeshgorjilla/", "x_url": "https://x.com/yogeshgorjilla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1123dc46fada21a132ee082bac897950e170688f.jpg" }, { "user_id": 2760773, "full_name": "Mannat Saini", "title": "Founder/CTO", "founder_bio": "Co-founder at Elimentary. Previously engineering @ Goldman Sachs, Jefferies, Oracle and Flipkart. Built and scaled multiple credit products to ~20 million users and $1 billion loan book.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mannatsaini/", "x_url": "https://x.com/MannatSaini09", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5c8ef7bd04ef6bdb1d92e2f5a9ad8545c78c363e.jpg" }, { "user_id": 3181292, "full_name": "Manoj Sarda", "title": "Founder/COO", "founder_bio": "Founder at Elimentary. Ex-founder at Skit.ai - voice AI automation for debt collection started in 2018. Led product at largest neo-bank of India - Jupiter.Money. IIT grad.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/manojsarda/", "x_url": "https://x.com/smr_rad", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4bb8ed4cfdb409be381c4c3905353c623cbdfce.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 35396, "name": "Oasive", "slug": "oasive", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc57ec29fb0414ace78c3d3c1e5d7acfef9c0c5c.png", "website": "https://www.oasive.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Oasive helps bond investors figure out which bonds are rich or cheap, and why. We give portfolio managers, traders, analysts and investment advisers a team of AI analysts, combining fixed income research, proprietary quantitative models and scenario analysis to move from trade idea to decision in minutes. Our focus is Macro and Rates Research and MBS, with munis, ABS and corporates next.", "one_liner": "Helping bond investors find what's rich or cheap, and why", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1789659235, "tags": [ "FinOps", "Fintech", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/oasive", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/oasive.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/oasive", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc57ec29fb0414ace78c3d3c1e5d7acfef9c0c5c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Kulveer Taggar", "url": null }, "founders": [ { "user_id": 2395902, "full_name": "Anaïs Howland", "title": "Founder/CEO", "founder_bio": "Founder of Oasive, helping bond investors figure out which bonds are rich or cheap, and why. I worked on Wells Fargo's $350B MBS portfolio, then as a portfolio manager on Google Treasury's $17B MBS/ABS portfolio before leading product strategy across Google's consumer AI products. I'm building the fixed income platform I wished I'd had on the desk.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anaishowland/", "x_url": "https://x.com/AnaisHowland18", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/729c1dab7d8a8a9375913ba8278cc998e0e56fda.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 116240, "title": "Oasive: Find better bonds to buy", "tagline": "See which bonds are rich or cheap and decide what to buy", "body": "**TL;DR: [Oasive](http://www.oasive.ai)** **helps bond investors find better bonds to buy. Compare investments and test trade ideas in minutes with proprietary models and a team of AI analysts.**\n\n\n\nHi, I'm Anaïs, founder of [Oasive](http://www.oasive.ai). I worked on Wells Fargo's $350B mortgage-backed securities (MBS) portfolio, then as a portfolio manager on Google Treasury's $17B MBS/ABS portfolio, before leading product strategy across Google's consumer AI products.\n\nI'm building [Oasive](http://www.oasive.ai) to help more fixed income investors find value and act on it.\n\n**The problem**\n\nFinding an attractive trade is only the start. Is it really cheap, what could change that, and does it improve the portfolio? Answering those questions means going back and forth between research, market data, models and spreadsheets.\n\n**What we built**\n\n[Oasive](http://www.oasive.ai) helps you uncover opportunities you might otherwise miss, compare investments and test the risks before putting on a trade. Macro and Rates Research and our MBS Platform are live today:\n\n* **Macro and Rates Research:** Which Treasury maturities look cheap, and is there a curve trade worth putting on? Use our proprietary valuation models to compare maturities, curve trades and butterflies. Check how many Fed cuts are priced in, dig into market moves and economic releases, and keep exploring with unlimited chats and follow-ups.\n* **MBS Platform:** Which MBS pools look attractive, and why? Use proprietary prepayment models and collateral analysis to spot relative value and test investment ideas. If rates fall 1%, what happens to your portfolio? Change rate and prepayment assumptions to see the impact on spreads, duration and value across your holdings.\n\n_Municipals, ABS, and corporates are next._\n\n[Oasive](http://www.oasive.ai) is already used across 15+ institutional desks at global banks, asset managers with $100B+ in AUM, and Fortune 500 treasury teams.\n\n**Try it**\n\nStart your Macro and Rates Research free trial or request an MBS demo at — free and paid plans available.\n\n**Our ask**\n\nKnow portfolio managers, traders or analysts on fixed-income desks? I’d love an introduction. Email [anais@oasive.ai](mailto:anais@oasive.ai)\n\n![uploaded image](/media/?type=post&id=116240&key=user_uploads/2395902/0db02b4c-6fd1-4d3d-b1cc-6c6df9dce469)\n\n", "url": "https://www.ycombinator.com/launches/UEq-oasive-find-better-bonds-to-buy", "votes": 18, "created_at": "2026-09-23T20:00:00.098Z" } ] }, { "id": 36015, "name": "Ignition Benefits", "slug": "ignition-benefits", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/14580e0fabb4e383e5286e8af972648e4bc2b5af.png", "website": "https://www.ignitionbenefits.com/", "all_locations": "Los Angeles, CA, USA", "long_description": "Ignition is an AI-native employee benefits brokerage for companies with under 200 employees. Health insurance is one of the largest line items these companies carry, and employers absorb 15 to 40% rate increases year after year without ever seeing their own numbers. We have rebuilt the sales and back office to be AI-first. This market represents about $500B of market cap, and those businesses have not fundamentally changed in over 50 years. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.", "one_liner": "The AI-Native Benefits Brokerage", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1789432184, "tags": [ "Health Insurance", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/ignition-benefits", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/ignition-benefits.json", "year_founded": 2026, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ignition-benefits", "x_url": "https://x.com/GoIgnition", "fb_url": "https://www.facebook.com/IgnitionBenefits", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/14580e0fabb4e383e5286e8af972648e4bc2b5af.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 765651, "full_name": "Nick Taranto", "title": "Founder/CEO", "founder_bio": "Founder at Ignition Benefits. Previously founded Plated, the first American meal kit company (sold to Albertsons for $300M in 2017). Former US Marine Corps. MBA from Harvard; BA from Dartmouth. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicktaranto/", "x_url": "https://x.com/NickTaranto", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1209c5db63442d35b218d6481da25e2839987b74.jpg" } ], "jobs": [ { "id": 109941, "title": "Founding Member of Technical Staff", "url": "https://www.ycombinator.com/companies/ignition-benefits/jobs/04TOkxY-founding-member-of-technical-staff", "location": "San Jose, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $200K", "equity_range": "0.15% - 0.35%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "TypeScript", "AI Agents" ] } ], "news": [], "launches": [] }, { "id": 36084, "name": "Covera", "slug": "covera", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e711e58f600a9ea3c53a45d934c825989e9b5b57.png", "website": "https://www.covera-agents.com/?utm_source=ycombinator&utm_medium=company_profile&utm_campaign=yc_f26", "all_locations": "San Francisco, CA, USA", "long_description": "Covera is the AI-native operating system for independent P&C insurance agencies. It lives inside the agency's AMS and inbox and runs agentic AI workflows across the whole client journey, from the first email to the next renewal. Producers quote first and win more business; CSRs and account managers stop retyping data.\r\n\r\nSubmissions, for producers: every new request becomes a ready file, one click keys every carrier portal for a first quote during the call, quotes come back side by side, and binding updates the AMS with no double entry.\r\n\r\nServicing, for CSRs and account managers: answers about any account with their source, COIs and follow-ups drafted, renewal reminders 90, 60 and 30 days out with remarketing when premiums jump, and coverage gaps across the book turned into cross-sell leads.\r\n\r\nAgencies using Covera go from lead to quote in 5 minutes, save 10 hours a week per user and win 20% more deals against competitors. Every action is reviewed by the agency team and logged for E&O. Works with Applied Epic, AMS360, QQCatalyst, HawkSoft, EZLynx, Momentum, Gmail and Outlook.\r\n\r\nBuilt by the founders of Simio (conversational AI, acquired in 2024).", "one_liner": "AI-native OS for insurance brokers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1787324338, "tags": [ "AIOps", "SaaS", "B2B", "Insurance", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/covera", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/covera.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/covera-agents/", "x_url": "", "fb_url": "https://www.facebook.com/covera.agents", "cb_url": "https://www.crunchbase.com/organization/covera-agents", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e711e58f600a9ea3c53a45d934c825989e9b5b57.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 3982969, "full_name": "Tiphaine Venet", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Covera. Previously founded Simio, a conversational AI platform for retail enterprises (Samsung, Carrefour, Air France), and sold it in 2024. Before that, VC at Serena, co-leading investments. Educated at HEC Paris and École Polytechnique.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tiphaine-venet/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6becc198efbb64b0f02ef9867232ea4ed76a8123.jpg" }, { "user_id": 3987641, "full_name": "Thibaut Regerat", "title": "Founder/CTO", "founder_bio": "Founder at Covera. Previously co-founder/CTO at Simio, building a WhatsApp commerce platform for e-commerce brands. Engineer's degree in Computer Science from CentraleSupélec. Early experience in data science and business intelligence before transitioning to founding companies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thibaut-regerat/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7515f95f0ecfb7251e72672750bdd224992ad4be.jpg" } ], "jobs": [ { "id": 105751, "title": "Founding GTM/ Account Executive", "url": "https://www.ycombinator.com/companies/covera/jobs/DAQuYrq-founding-gtm-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 36086, "name": "Hesper AI", "slug": "hesper-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/22aa0e43c8572c7233989f7b9c4d18841280c577.png", "website": "https://gethesperai.com", "all_locations": "New York City, NY, USA", "long_description": "Hesper AI builds AI agents that investigate P&C insurance claims end to end.\r\n\r\nHesper’s agents read the claim file, detect tampered documents, verify facts, check coverage, flag inconsistencies, and produce an audit-ready case file in minutes, so insurers can check every claim. \r\n\r\nWe work with Claims and SIU orgs at Carriers, MGAs and TPAs,", "one_liner": "AI Claims Investigator for Insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1788805829, "tags": [ "Insurance", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/hesper-ai", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/hesper-ai.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/hesperai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/22aa0e43c8572c7233989f7b9c4d18841280c577.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5ca8ebd84e7156b5e441163d33d15b54026132e9.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 675827, "full_name": "Pankaj Dhariwal", "title": "Founder/CEO", "founder_bio": "Previously Engineering Manager at Nanonets(YC W17), where he built Flow (Accounts Payable product) from scratch to $200K ARR and scaled the engineering team from 7 to 25. Earlier, first engineer on the Export-Import team at Shipsy, building the global container tracking and ETA prediction system from the ground up. \n\nDual degree in Electronics & Economics from BITS Pilani.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pankaj-dhariwal/", "x_url": "https://x.com/Pankaj_Dhariwal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fd48563dab99d3645e4c2b77229cca94318288e.jpg" }, { "user_id": 559900, "full_name": "Nitish Badu", "title": "Founder/COO", "founder_bio": "Nitish Badu is the Co-founder/COO of Hesper AI.\n\nPreviously, he scaled revenue at Nanonets (YC W17) to $4M in ARR, where he built out the GTM motion, outbound and partnerships. He has approximately 4 years of experience driving go-to-market and revenue for B2B AI companies.\n\nBefore that, he was GTM Lead at Super.AI. He holds a degree from BITS Pilani.", "is_active": true, "linkedin_url": "https://linkedin.com/in/nitish-badu-529b28165/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/69238018c926d7c71b158727d1a9b0265d6fe175.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 37203, "name": "Volaren Inc.", "slug": "volaren-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e143f02ee81e74efcd4497792528526f512482b.png", "website": "https://www.volaren.ai", "all_locations": "New York City, NY, USA", "long_description": "Turning ideas into trades. Every great investment starts as an idea about the world. Institutions have teams of analysts turning those ideas into positions. Volaren is that team, processing data through fundamentals and quantitative models that can be personalized with AI.\r\n\r\nTurn your views into trades, portfolios, and back-testable frameworks and strategies, and Volaren stays with you from there, showing you what's actually driving each position and what it means for your next move.", "one_liner": "Turning Ideas into Trades. Volaren puts the hedge fund in the hands…", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1789771499, "tags": [ "Fintech", "Marketplace", "Finance", "Creator Economy", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "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/volaren-inc", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/volaren-inc.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/volaren-ai", "x_url": "https://x.com/volaren_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e143f02ee81e74efcd4497792528526f512482b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2699061, "full_name": "Akshat Mittal", "title": "Founder", "founder_bio": "Founder at Volaren Inc. Previously signal researcher on the Equity Alpha team at Goldman Sachs Asset Management. Developed alternative risk metrics and supported trading at Low Tide Capital Management. One of the first team members at David Protein, pre-launch, working on growth primarily. Studying Statistics and Economics at UChicago (top 5% of class). 2nd in international economics competition in high school.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mittal-akshat", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8cb2dbd4aff6af7c4753f0c38b7fde2f43c4499.jpg" }, { "user_id": 3534379, "full_name": "Martin Pestana", "title": "Founder", "founder_bio": "Founder at Volaren Inc. \n- Previously at Goldman Sachs, Investment Banking Division.\n- Previously at AQR Capital Management in quantitative trading. \n- Applied Math and Economics at University of Chicago.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martin-pestana/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd546aeacae8f950fb8624fbfba8e9e7fc2a9c30.jpg" } ], "jobs": [ { "id": 111785, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/volaren-inc/jobs/KfqM968-software-engineer", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "AI engineer", "salary_range": "$50K - $150K", "equity_range": "5.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 116145, "title": "Turning ideas into trades. Volaren: bringing the hedge fund to retail investors", "tagline": "Describe an investment thesis or strategy in plain English and Volaren's AI analysts research, build, and backtest it for you.", "body": "**TURNING IDEAS INTO TRADES**\n\n**TL;DR:** Volaren is putting a hedge fund in your pocket. You describe a thesis, a strategy, or a view of the world in plain English, and Volaren's AI analysts do the research, build it, and backtest it for you. Try it at .\n\nDEMO: \n\n**The problem**\n\nInstitutions turn a view of the world into real positions using teams of analysts and expensive tooling like Bloomberg and Capital IQ. Everyone else does it by hand, or does not do it at all. The data and the methods already exist, but nobody had built the product that puts them in the hands of small teams and active retailers investing their own money.\n\n**What Volaren does**\n\nYou tell Volaren a thesis, a strategy, or a view of the world in plain English, and its agents go do the research for you. They handle all the heavy lifting of the analysis, and they build it and backtest it across both fundamental work (models, comps, thesis building) and quantitative strategies (momentum, style factors, custom rules). You can delegate as much as you want and expand how much you take on, so you grow from a single investor or small team fund into an entire research team. You see every step and can change anything, so the judgment stays yours, and your work stays with you in one place you can keep building on.\n\n**Who we are**\n\nWe are Martin Pestana and Akshat Mittal, and we ran this exact process on the inside at Goldman Sachs and AQR. Volaren exists to give a person with real conviction and a real portfolio the leverage of a full research team.\n\n**Our ask**\n\nIf you invest your own money, run a small fund, or you know someone who does, try Volaren at . We would love your feedback, and you can reach us directly at [martin@volaren.ai](mailto:martin@volaren.ai) and [akshat@volaren.ai](mailto:akshat@volaren.ai).", "url": "https://www.ycombinator.com/launches/UDJ-turning-ideas-into-trades-volaren-bringing-the-hedge-fund-to-retail-investors", "votes": 7, "created_at": "2026-09-28T16:24:00.151Z" } ] }, { "id": 37274, "name": "Decent", "slug": "decent-com", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png", "website": "https://decent.com", "all_locations": "San Francisco, CA, USA", "long_description": "Decent is a health insurance brokerage for small businesses. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year. We're paid by insurance companies, so we're free to you.", "one_liner": "Your health plan should get better year-round. Not just once a year.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1789976042, "tags": [ "Fintech", "Health Tech", "B2B", "Health Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/decent-com", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/decent-com.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/decenthealth", "x_url": "https://x.com/decent", "fb_url": "https://www.facebook.com/DecentHealth/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Grey Baker", "url": "https://www.ycombinator.com/people/grey-baker" }, "founders": [ { "user_id": 103060, "full_name": "Nick Soman", "title": "Founder/CEO", "founder_bio": "Founder at Decent. Previously founded Decent, Inc., a venture-backed health plan administrator (acquired by Nice Healthcare). EIR at Foundation Capital. Growth Product Lead at Gusto. PM on Kindle at Amazon. Founded LikeBright/Reveal (acquired by Napster). Stanford BA, Harvard MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicksoman", "x_url": "https://x.com/nicksoman", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/892ff653167fc0e506db11c8156b3343dfcf9cdb.jpg" }, { "user_id": 3997688, "full_name": "Andrew Budker", "title": "Founder/CTO", "founder_bio": "Founder at Decent. Previously Director of Software Engineering at Meta, where he led Metamate (Meta's internal AI assistant and Agent Platform) and built deep learning computer vision systems shipping in Oculus. Before Meta, engineering manager at Amazon for 5 years and engineer at Microsoft. BS Applied Mathematics from UCLA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abudker/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c54e3f9459c5e31c2a1e41256f5afacccf1e02d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 118447, "title": "Decent: Your health plan should get better year-round. Not just once a year.", "tagline": "We find the best health plan for your company, and use AI to make it better all year.", "body": "Hi everyone. I'm [Nick Soman](https://www.linkedin.com/in/nicksoman/), cofounder of [Decent](https://www.decent.com/) (F26) with [Andrew Budker](https://www.linkedin.com/in/abudker/).\\\n\\\n\n\n\\\n**The problem**\\\nYou choose your company health plan once a year at renewal, and then nobody touches it for twelve months. All year long you overpay without seeing it. A one-time surgery gets built into next year's rates as if it’s recurring. You get billed for employees who left months ago. Your team uses the ER for things that primary care could have handled for a fraction of the cost.\\\n\\\nI learned this the hard way. A carrier raised my old company's rates 27% in January because an employee had started an expensive treatment the February before. They told me it was my data and my fault for not looking. Almost all of that cost was waste. She could have been treated at home for 30% less. An equally effective treatment that cost 25% less could have been free to her. Optimized dosing could have saved 20% more, with fewer side effects and no negative impact on her health.\\\n\\\n**How Decent is different**\\\nYour health plan should get better all year, not once a year. You don't buy a year of ads or a rack of servers up front anymore, but health insurance is stuck on a single annual renewal. Decent is an AI-native health insurance broker for US companies with 2 to 200 employees. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year, for your company and for your employees. The insurance company you choose pays us, so we’re free to you.\\\n\\\n**Why trust us**\\\nAndrew and I met 16 years ago building the Kindle at Amazon. He spent the last several years leading engineering for Metamate, Meta's internal AI platform. I've started and sold two companies and raised $42M. Before this I built and ran level-funded plans, PEOs, and association health plans, with a Net Promoter Score of 79 vs. the industry average of 14, so I know what good looks like and where the system breaks. \\\n\\\nThe full story of why I came back to this, and why it's called Decent, is here: \\\n\\\n**Traction**\\\nAI is doing 89% of our brokerage work and climbing, and we just caught a one-time surgery driving 46% of a client's claims spend and kept it out of next year's rates. 67 companies are working with us so far, and many more are close behind.\\\n\\\n**What you can do now**\n\n* If you or someone you know runs or helps run a US company with roughly 2 to 200 people renewing by January 1, 2027, book 15 minutes with me to find the best plan for you: \n* Want to look first? [Get a quote](https://www.decent.com/quote) and price the market yourself on our site, no call needed.\n* Know a company that's overpaying? Introduce us and we'll pay you when they get a quote, whether or not they buy: [decent.com/refer](http://decent.com/refer)\n\nOur mission: affordable healthcare for all. It's never too late to save the world.\\\n\\\nNick & Andrew\n\n![uploaded image](/media/?type=post&id=118447&key=user_uploads/103060/6978a63f-c3bf-452d-b3a1-15336d01adc1)\n\n", "url": "https://www.ycombinator.com/launches/UoR-decent-your-health-plan-should-get-better-year-round-not-just-once-a-year", "votes": 4, "created_at": "2026-10-05T16:00:00.081Z" } ] }, { "id": 37468, "name": "Ageospatial", "slug": "ageospatial", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/74f6c9e933a7a4a3c86d3c81c6964ca26989ba26.png", "website": "https://ageospatial.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Ageospatial helps organizations value the risk on their physical assets (properties, land, infrastructure) remotely using satellite imagery.\r\n\r\n97% of commercial properties are never physically inspected because it's too slow and expensive. So insurers price risk based on what the client or broker tells them, and about half the time at least one of those records is wrong. The result is mispricing, fraud, and an estimated $36B in premium leakage every year in the US alone, which gets exposed the moment a disaster hits.\r\n\r\nUpload a list of addresses and their GeoAI reads satellite and street-level imagery, maps, real-time data, public records and the insurer's own data to determine what's really there, which natural and human hazards surround it, what changed over time, and which properties are worth inspecting. Each property becomes a living record that underwriting, claims and pricing teams can trace from past to present. Ageospatial deploys inside carriers and MGAs as an AI-native service, so insurers get outcomes delivered.", "one_liner": "Physical intelligence for every decision with Geospatial AI.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1790148781, "tags": [ "Computer Vision", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/ageospatial", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/ageospatial.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/in/maazhsheikh/", "x_url": "https://x.com/maazinsf", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ageospatial", "github_url": "https://github.com/AGEOspatial", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/74f6c9e933a7a4a3c86d3c81c6964ca26989ba26.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": 2973429, "full_name": "Maaz Sheikh", "title": "Founder/CEO", "founder_bio": "Maaz has been making maps since he was 6. His superpower is having a spatial-memory, he can draw a 1 km-resolution world map from memory and was ranked top 100 in the world on GeoGuessr. He was hired at 19 to support wartime and natural-disaster decisions from satellite imagery and at 21 analyzed drones in the Arctic to study whether food could grow there if the ice melted. He spent 7 years building geospatial software for insurance, energy and governments.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maazhsheikh/", "x_url": "https://x.com/maazinsf", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b2709e2ef464249284afc8292d11ab5ebfe04ba.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 116579, "title": "Ageospatial - pricing the risk of every property, infrastructure and land on Earth from satellites", "tagline": "know the assets that you insure in the physical world", "body": "**TL;DR: insurers cover buildings, land and infrastructure they've never seen. we look at every one of them from space and tell them what they're really insuring and how risky it is.**\n\n\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/b3467b52-ec9a-41b2-881c-6f84b0f0ba29)\n\n**the problem**\n\n* 97% of commercial properties are never inspected. it's too slow and too expensive to send someone.\n* so insurers rely on what they're told such as forms filled in by owners and brokers and half the time, at least one detail is wrong.\n* wrong info means wrong prices, fraud, and money lost. insured disaster losses passed $100B in 2025. in the US alone, insurers lose $36B a year to underpriced policies.\n\n**how it works**\n\n* give us a list of addresses, type one in, or click anywhere on the map\n* our AI reads satellite images, street-view, maps, public records, internal and live data\n* for each asset it tells you: what it really is, what hazards surround it, what changed, and whether it's worth inspecting\n* every asset gets a record that updates over time, and those records make the AI better at finding other risky ones\n* we set it up inside the insurer’s systems with our own engineers, so they get outcomes without hiring anyone\n\n**who am I** [@Maaz Sheikh](https://bookface.ycombinator.com/user/2973429)\n\n* I've been obsessed with maps since I was 6. I can draw the world map from memory\n* I was top 100 globally on GeoGuessr\n* modded video games and added location data to them as a teen, made money on mods\n* went to college at 17, studied Geomatics Engineering (CS + Geography)\n* hired at 19 to support decisions during wars and disasters using satellite imagery, worked on some of the largest crises of our time\n* went to the arctic to see if we can grow food where permafrost melts using drone imagery, lived in a container at -22°F\n* freelanced for large clients in insurance, energy and government\n\n[ageospatial.com](http://ageospatial.com)\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/ed2be0a7-c6a8-4406-8120-da1b616fc0ad)\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/e7f5d214-9e00-4ec2-b7f0-70bbde642b15)\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/1abf4461-f8dc-405f-a184-300713a629a4)\n\n", "url": "https://www.ycombinator.com/launches/UKJ-ageospatial-pricing-the-risk-of-every-property-infrastructure-and-land-on-earth-from-satellites", "votes": 8, "created_at": "2026-09-29T16:00:00.089Z" } ] }, { "id": 37600, "name": "Redoubt Insurance", "slug": "redoubt-insurance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1ee4cc24084cdd9a8a0fe0d70982248244d6fd3a.png", "website": "https://www.redoubt.insure", "all_locations": "Salt Lake City, UT, USA", "long_description": "Redoubt is a commercial insurance agency for small businesses. We believe our customers are our most important business partners, and they deserve our full attention. Machines can already handle the boring parts, the next step is to continually learn from experience. ", "one_liner": "Commercial insurance for small businesses", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1787707764, "tags": [ "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "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/redoubt-insurance", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/redoubt-insurance.json", "year_founded": 2026, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/redoubt-insurance/", "x_url": "", "fb_url": "https://www.facebook.com/profile.php?id=61591630963138", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1ee4cc24084cdd9a8a0fe0d70982248244d6fd3a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Charlie Warren", "url": null }, "founders": [ { "user_id": 801143, "full_name": "Andre Beukers", "title": "Founder/CEO", "founder_bio": "Founder/CEO at Redoubt Insurance, fanatic about building intelligent systems.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andre-beukers/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a0e0be126fe9f6f88bf03d07f9b56a70f2eb0d9b.jpg" } ], "jobs": [], "news": [], "launches": [] } ]