[ { "id": 20, "name": "SlidePay", "slug": "slidepay", "former_names": [ "Cube" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a95cbb96c6b5ae3c541364a7180555d9f08fdab7.png", "website": "https://angel.co/slidepay", "all_locations": "San Francisco, CA, USA; Mountain View, CA, USA", "long_description": "SlidePay, formerly Cube, is an API that makes it easy for any app to accept credit cards that are processed in person. Integration takes hours, not weeks, and works on any platform or device.", "one_liner": "Banking and Payment Platform APIs. Exited October 2014.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1322045681, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "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/slidepay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/slidepay.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/a95cbb96c6b5ae3c541364a7180555d9f08fdab7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 12303, "full_name": "Charlie Pinto", "title": "Founder/CEO", "founder_bio": "Partner at Bling Capital; co-founder/CEO SlidePay (YCW12, acquired); scaled PMF at Google Domains to $250M+ in revenue; employee #12 WePay (YCS09); NCAA D1 wrestler\n\nI help founders navigate each stage of company building — finding product-market fit, making growth repeatable, and building the organization to support it — with the right product, fundraising, and operating priorities at each stage.\n\nFormer Maryland D1 wrestler, 3x team captain, and BJJ World Championship finalist.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/charlespinto", "x_url": "https://www.twitter.com/charliepinto", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/447ea8819aedf28bc396ff7582e3aa45c793892e.jpg" }, { "user_id": 12701, "full_name": "Christopher Morton", "title": "Founder/CEO", "founder_bio": null, "is_active": false, "linkedin_url": "https://linkedin.com/in/mortonch", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b008e62b5c26ee93abcb757f0a24b637c5a74ec.jpg" }, { "user_id": 37364, "full_name": "Joel Christner", "title": "Founder/CTO", "founder_bio": "Passionate about distributed systems, information storage and retrieval, data management, my family and children, and Brazilian jiu-jitsu.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/joelchristner/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/104fb9e603814bc0a5b00e0c739dc261d64e7788.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 60, "name": "Sendwave", "slug": "sendwave", "former_names": [ "Wave", "Brew", "Chime" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bbfeae646cc8051b5ad469413e67295e9fae353.png", "website": "https://www.sendwave.com", "all_locations": "Boston, MA, USA; Remote", "long_description": "Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.", "one_liner": "Instant, no fee international remittances.", "team_size": 350, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625089349, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "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/sendwave", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/sendwave.json", "year_founded": 2014, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/wavemoney", "x_url": "https://twitter.com/sendwaveapp", "fb_url": "https://www.facebook.com/sendwave", "cb_url": "https://www.crunchbase.com/organization/sendwave", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bbfeae646cc8051b5ad469413e67295e9fae353.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 52090, "full_name": "Drew Durbin", "title": "Founder/CEO", "founder_bio": "CEO at Wave", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/drew-durbin-52517614/", "x_url": "https://twitter.com/drewdurbin/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/13e85d1c53166f6c8640d323d32a619e9971802d.jpg" } ], "jobs": [], "news": [ { "title": "WorldRemit to Acquire Sendwave in $500 Million Payments Deal", "url": "https://www.bloomberg.com/news/articles/2020-08-25/worldremit-agrees-to-buy-sendwave-in-500-million-payments-deal", "date": "Aug 05, 2020" } ], "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": 244, "name": "WePay", "slug": "wepay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5bafed02435325734c5fec395dabe88c19ce051c.png", "website": "http://wepay.com", "all_locations": "San Francisco, CA, USA; Redwood City, CA, USA", "long_description": "WePay is a multi-party payments API for SMB SaaS, POS Platforms, and Online Marketplaces. It was acquired by JPMorgan Chase in 2018.", "one_liner": "Payments for platform businesses.", "team_size": 400, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326790615, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Summer 2009", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wepay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2009/wepay.json", "year_founded": 2008, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/wepay", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5bafed02435325734c5fec395dabe88c19ce051c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5920, "full_name": "Bill Clerico", "title": "Founder/CEO", "founder_bio": "Founder & Managing Partner at Convective Capital - we invest in solutions to wildfire and climate change. Founder & former CEO at WePay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/billclerico", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fef71a72ea1aa8c90159348ae8bbba2f4fd3353e.jpg" } ], "jobs": [], "news": [ { "title": "Chase closes WePay acquisition, a deal valued up to $400M • TechCrunch", "url": "https://techcrunch.com/2017/12/04/chase-closes-wepay-acquisition-a-deal-valued-up-to-400m/", "date": "Dec 04, 2017" } ], "launches": [] }, { "id": 316, "name": "Tipjoy", "slug": "tipjoy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd401f9e4467d016fa8fbbd5917f2e2d0039c429.png", "website": "http://tipjoy.com", "all_locations": "", "long_description": "Tipjoy was a simple, social payments engine that allowed merchants to sell digital content and features, charities to raise money for causes, and individuals to give money to one another.\r\n\r\nTipjoy was a Winter '08 Y Combinator participant.", "one_liner": "social micropayments", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326791261, "tags": [ "Payments", "Social" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2008", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "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/tipjoy", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2008/tipjoy.json", "year_founded": 2008, "city": null, "country": null, "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tipjoy", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd401f9e4467d016fa8fbbd5917f2e2d0039c429.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 355, "full_name": "Ivan Kirigin", "title": "Founder/CTO", "founder_bio": "2X YC Tipjoy W08 and YesGraph W15, with time at iRobot, Facebook, Dropbox, and Lyft. \n\nHow investing in ML, automation, and robotics at Tango.vc", "is_active": false, "linkedin_url": "http://www.linkedin.com/in/kirigin/", "x_url": "https://twitter.com/ikirigin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/918d9b372d2a690028145285b5df947715c43f50.jpg" }, { "user_id": 35683, "full_name": "Abigail Kirigin", "title": "Founder/interaction designer", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/abbykirigin", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a794c950a0c44739404283eaa45b0161b4541a15.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": 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. Kash uses its funding received from Draper Associates, Green Visor Capital, and Structure Capital to develop, market, and expand its mobile payments technology.", "one_liner": "We are fixing how money works.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907814, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "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/kash", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/kash.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/kash-2", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 39400, "full_name": "Geoff Flarity", "title": "Founder/COO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gflarity", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d4a05cbbd763cd2357a84411eca09fc30bb21ee3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 704, "name": "Apto Payments", "slug": "apto-payments", "former_names": [ "Shift", "Apto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/75e540aa00e6d4d7c686312ec0d7b3d44772f12e.png", "website": "https://www.aptopayments.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Apto Payments provides a white-label, turnkey solution to launch innovative, user-first, card programs. Our technology empowers our customers to issue Visa and Mastercard, physical and virtual, card programs. We have both a developer-first, Instant Issuance Platform, as well as an enterprise solution for bespoke opportunities. ", "one_liner": "API platform for partners to issue branded debit and credit cards to…", "team_size": 32, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907989, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "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/apto-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/apto-payments.json", "year_founded": 2014, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/shift-payments", "github_url": "https://github.com/AptoPayments", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/75e540aa00e6d4d7c686312ec0d7b3d44772f12e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 73284, "full_name": "Greg Kidd", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gregkidd/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9542960017b5259e3ca9fe017806dc4edb2d79c.jpg" }, { "user_id": 42041, "full_name": "Meg Nakamura", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/megnakamura", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/00cd03ce4262354679f4035d880989cefab12866.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 743, "name": "Final", "slug": "final", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9f9365e5ac7dcefbab5bfab9129637279050427.png", "website": "http://getfinal.com", "all_locations": "San Francisco, CA, USA; Oakland, CA, USA", "long_description": "At Final, we are re-building the credit card from the ground up. \r\n\r\nFinal is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences. Rather than a single, 16-digit card number, Final generates multiple card numbers and manages them automatically.\r\n\r\nIt works everywhere you buy; online, and offline, and integrates with digital wallets like Google Wallet and ApplePay with zero updates to the payment infrastructure. Bottom line - with Final, you’ll never lose access to your spending ability from a breach, fraud, cancelled or stolen card ever again.", "one_liner": "A credit card that drastically reduces payment fraud and gives…", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1415700217, "tags": [ "Payments", "Security" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "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/final", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/final.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/final", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9f9365e5ac7dcefbab5bfab9129637279050427.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 18520, "full_name": "Matt Rothstein", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/marothstein", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea57d822aab0ddf8cdf46ce0aded1745d7de95f6.jpg" } ], "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": 931, "name": "Plate IQ", "slug": "plate-iq", "former_names": [ "PlateIQ", "Ottimate" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ddaee10acb71c657308a3d62234972fbca8392d.png", "website": "https://plateiq.com/", "all_locations": "London, England, United Kingdom; Emeryville, CA, USA", "long_description": "Plate IQ makes accounts payable simple.\r\n\r\nAutomated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.", "one_liner": "Automated Accounts Payable", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1430156129, "tags": [ "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "United States of America", "Europe", "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/plate-iq", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2015/plate-iq.json", "year_founded": 2015, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/plateiq/", "x_url": "https://twitter.com/plateiq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/plate-iq", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ddaee10acb71c657308a3d62234972fbca8392d.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/14/1440027879484-7846q5flx4kotj4i-160f2cb3e9105bdbb74afeabd00a81ce/39a921117d4185558dfeb3cd9451e4ab.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022630Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=60b1931aa6fc8481845f58542723d78a748cbc3c56134483d7a0cf375852f400", "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 78046, "full_name": "Bhavuk Kaul", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/bhavukkaul", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/213b0d20cf03b8b81da6d1c1257c1862c1cf439d.jpg" }, { "user_id": 77570, "full_name": "Ram Jayaraman", "title": "Founder/CTO", "founder_bio": "Co-Founder/Tech dude at Automatic Labs ( YC S11 ), Plate IQ ( YC S15 ). I also angel invest occasionally.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ramprabhuj", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/12b92f48f4fdd9718eabb4c24f1d73e8e4f03b5c.jpg" } ], "jobs": [], "news": [ { "title": "FTV Capital Invests $160 Million in Plate IQ ", "url": "https://www.wsj.com/articles/ftv-capital-invests-160-million-in-plate-iq-11636023601", "date": "Nov 04, 2021" } ], "launches": [] }, { "id": 938, "name": "Xendit", "slug": "xendit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/82971ab934851a55cee1aa3b11b22839902e7f2e.png", "website": "https://www.xendit.co/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Xendit provides payment solutions that simplify the payment process for businesses in Southeast Asia, including Indonesia, Philippines, Malaysia, Thailand and Vietnam from SMEs, e-commerce startups to giant corporations. \r\n\r\nXendit provides a secure, easy-to-integrate payment system, and seamless payment experience supported by great customer service. With a diverse range of products, Xendit’s system can accept payments from virtual accounts, credit and debit cards, eWallets, retail outlets, and also online installments. \r\n\r\nWith our aim to build Indonesia and the Philippines’s payment infrastructure, Xendit is on its way shaping the next generation of unicorns by empowering startups to grow exponentially through the products we offer. \r\n\r\nXendit is licensed and regulated in multiple countries in Southeast Asia\r\n", "one_liner": "Provides payment infrastructure for Southeast Asia", "team_size": 700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1430156131, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/xendit", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2015/xendit.json", "year_founded": 2015, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/xendit/", "x_url": "https://twitter.com/xenditco", "fb_url": "https://www.facebook.com/xendit/", "cb_url": "https://www.crunchbase.com/organization/xendit", "github_url": "https://github.com/xendit", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/82971ab934851a55cee1aa3b11b22839902e7f2e.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": 76612, "full_name": "Moses Lo", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "http://linkedin.com/in/moseslo", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/179dbd626c88c49d022ac86ed112e3f4cad05121.jpg" }, { "user_id": 75606, "full_name": "Bo Chen", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bochen303", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e08ec433cfbd0d1d7827eeca788667e42865d1db.jpg" }, { "user_id": 75223, "full_name": "Juan Gonzalez", "title": "Founder/Principal Software Engineer", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/0505gonzalez", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4adf8be4857a4e0ce520bca263d769674efa7205.jpg" } ], "jobs": [ { "id": 40840, "title": "Senior Software Engineer - Platform", "url": "https://www.ycombinator.com/companies/xendit/jobs/OO1OrKOtc-senior-software-engineer-platform", "location": "Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "MongoDB", "Node.js", "PostgreSQL", "TypeScript" ] } ], "news": [ { "title": "Indonesian Unicorn Xendit Bags $300 Million In Series D Funding", "url": "https://www.forbes.com/sites/yessarrosendar/2022/05/19/indonesian-unicorn-xendit-bags-300-million-in-series-d-funding/", "date": "May 19, 2022" }, { "title": "Xendit: Tessa Wijaya on being a woman in tech, building a unicorn", "url": "https://www.cnbc.com/2021/10/12/xendit-tessa-wijaya-on-being-a-woman-in-tech-building-a-unicorn.html", "date": "Oct 12, 2021" }, { "title": "Indonesian fintech Xendit is now a unicorn, with $150M in fresh funding led by Tiger Global – TechCrunch", "url": "https://techcrunch.com/2021/09/14/indonesian-fintech-xendit-is-now-a-unicorn-with-150m-in-fresh-funding-led-by-tiger-global/", "date": "Sep 14, 2021" } ], "launches": [] }, { "id": 939, "name": "Xfers", "slug": "xfers", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2fea55ddf6b75371887dc67daba49c0771b81583.png", "website": "http://xfers.com", "all_locations": "Singapore, Singapore", "long_description": "Xfers is a Singaporean-based payment processing gateway offering credit card processing and Internet banking transfers. As a graduate of Y Combinator’s Summer 2015 Class, Xfers aims to unify banking networks across Southeast Asia. Featured on Techcrunch and coined as the Paypal of Southeast Asia by Channel News Asia, we simplify and redefine the process of collecting and receiving payments in Southeast Asia. \r\n\r\nIn 2016, Xfers announced its first round of seed funding. Its investor portfolio includes venture capital firms such as Quest Ventures, 500 Startups, Golden Gate Ventures and angel investors such as Eduardo Saverin.", "one_liner": "Xfers makes it possible for people to make and receive payments via…", "team_size": 51, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1430156132, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "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/xfers", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2015/xfers.json", "year_founded": null, "city": "Singapore", "country": "SG", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/xfers", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2fea55ddf6b75371887dc67daba49c0771b81583.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 83933, "full_name": "Tianwei Liu", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tianweiliu", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/47e6c7f79424527c97396e84fc180341cf5348a6.jpg" }, { "user_id": 86935, "full_name": "Victor Liew Jia Hao", "title": "Founder", "founder_bio": "Founder / CTO ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/victorliewjiahao/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6641a7c52fd1da85a8e66bc6d7a2d3fb468ffe54.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1016, "name": "Meter Feeder", "slug": "meter-feeder", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/add199c01e8e38b906c80074b660ab5bf6e88b25.png", "website": "http://www.meterfeeder.com", "all_locations": "Pittsburgh, PA, USA", "long_description": "Did you know that if your car is eligible for booting and towing in NYC, all of your registered vehicles are eligible? Now imagine you have thousands of vehicles in thousands of cities.\r\n\r\nWe make sure that your vehicles are compliant.", "one_liner": "Helping fleets find and pay parking tickets", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1447311916, "tags": [ "Unmanned Vehicle", "Payments", "Transportation", "Mobility" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "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/meter-feeder", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/meter-feeder.json", "year_founded": 2015, "city": "Pittsburgh", "country": "US", "linkedin_url": "https://www.linkedin.com/company/meter-feeder-inc", "x_url": "https://twitter.com/MeterFeeder", "fb_url": "https://www.facebook.com/meterfeeder.inc", "cb_url": "https://www.crunchbase.com/organization/meterfeeder", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/add199c01e8e38b906c80074b660ab5bf6e88b25.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 109003, "full_name": "Jim Gibbs", "title": "Founder/CEO", "founder_bio": "Software developer by trade. Professionally solve pain points.", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/james-gibbs/0/8/4ab", "x_url": "https://twitter.com/heezo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9d1d000c89576aa4e3426a7b5e9fc9a7dab64a48.jpg" }, { "user_id": 109938, "full_name": "Daniel Lopretto", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/daniel-lopretto/4b/838/182", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/52c489627f3d8b3dd53afe57ed48db832b1e6698.jpg" } ], "jobs": [], "news": [ { "title": "Parking platform Meter Feeder lands $2.6 million seed extension round", "url": "https://www.bizjournals.com/pittsburgh/inno/stories/fundings/2022/04/19/parking-platform-meter-feeder-lands-2-6-million.html", "date": "Apr 20, 2022" }, { "title": "Technical.ly Pittsburgh With its official Pittsburgh launch, Meter Feeder brings its parking payment app home - Technical.ly Pittsburgh", "url": "https://technical.ly/pittsburgh/2021/08/18/meter-feeder-jim-gibbs-parking-app/?fbclid=IwAR3vFfoZ5GKvrTefWsG4hbT13fh2FyRxcKhZyXDX7kcS1ZC73a2zClIZODQ", "date": "Aug 18, 2021" } ], "launches": [] }, { "id": 1021, "name": "Paystack", "slug": "paystack", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f4d18618abc91ad79be53d918a199daffad6f58.png", "website": "https://www.paystack.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Paystack is a small and vibrant family working across Lagos and San Francisco.\r\n\r\nWe enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.", "one_liner": "Modern payments infrastructure for Africa", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1447312815, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "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/paystack", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/paystack.json", "year_founded": null, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/paystack/", "x_url": "https://twitter.com/paystack", "fb_url": "https://www.facebook.com/PaystackHQ", "cb_url": "https://www.crunchbase.com/organization/paystack", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f4d18618abc91ad79be53d918a199daffad6f58.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 46238, "full_name": "Shola Akinlade", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "http://ng.linkedin.com/in/shollsman/en", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/45834902c04c8bcc2d21ac70c86236e7ad0c2cc5.jpg" }, { "user_id": 115840, "full_name": "Ezra Olubi", "title": "Founder/CTO", "founder_bio": "Led the technology function at Paystack from 2015-2025", "is_active": true, "linkedin_url": "https://ng.linkedin.com/in/cfezra", "x_url": "https://x.com/0x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/98fac9f0963ed3c72c4fa291cdaa88443d2802c1.jpg" } ], "jobs": [], "news": [ { "title": "Nigerian businesses can now accept Apple Pay on Paystack • TechCrunch", "url": "https://techcrunch.com/2021/09/23/nigerian-businesses-can-now-accept-apple-pay-on-paystack/", "date": "Sep 23, 2021" }, { "title": "Paystack CEO Shola Akinlade on his company's journey from Nigeria to Silicon Valley | CNN", "url": "https://www.cnn.com/2021/03/29/africa/paystack-shola-akinlade-nigeria-mpa-spc-intl/index.html", "date": "Mar 29, 2021" }, { "title": "Stripe acquires Nigeria's Paystack for $200M+ to expand into the African continent • TechCrunch", "url": "https://techcrunch.com/2020/10/15/stripe-acquires-nigerias-paystack-for-200m-to-expand-into-the-african-continent/", "date": "Oct 15, 2020" } ], "launches": [] }, { "id": 1284, "name": "Flutterwave", "slug": "flutterwave", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1078b114f17bc04ce851bf929fc1bab80789469.png", "website": "https://flutterwave.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "At Flutterwave, we are on a mission to build payments infrastructure to connect Africa to the global economy. \r\n\r\nWe do this by building technology, tools, and infrastructure for businesses and banks who want to provide a more seamless and secure payments experience for their customers. Founded in 2016 by a team of African finance and technology veterans from Standard Bank, Angela, PayPal, Google Wallet amongst others.\r\n\r\nFlutterwave has grown to become one of the fastest growing payments companies in the world. Since inception Flutterwave has processed close to $20 billion in payments and 100 million transactions across over 33 African countries where it currently operates. \r\n\r\nIt has attracted significant investment from experienced Fintech investors such as Ycombinator Continuity Fund (investors in Stripe), Greycroft (investors in Braintree and Venmo), Greenvisor Capital, Omidyar Network, and Glynn Capital amongst others. 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": 1507, "name": "Request Network", "slug": "request-network", "former_names": [ "Moneytis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/60bc4f1a107d899643879262add03122ce3a8a4b.png", "website": "https://request.network", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Request allows companies & people to pay and get paid in cryptocurrencies by relying on the most innovative payment request technology.\r\n\r\n\r\nOn top of it, apps such as Request Invoicing allow professionals to send proper crypto invoices and get paid in a click. Adoption for this app is growing at an impressive rate as we can see here https://req.network", "one_liner": "Request is a payment request technology & an ecosystem of apps", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1478577635, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/request-network", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/request-network.json", "year_founded": 2017, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/11247783/", "x_url": "https://twitter.com/RequestNetwork", "fb_url": "https://www.facebook.com/TheRequestNetwork/", "cb_url": null, "github_url": "https://github.com/RequestNetwork", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/60bc4f1a107d899643879262add03122ce3a8a4b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 156097, "full_name": "Christophe Lassuyt", "title": "Founder/CFO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/christophelassuyt", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fe3f555ef52ba080b738fb48f9c901f5ca498a1f.jpg" }, { "user_id": 157847, "full_name": "Etienne TATUR", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/etiennetatur", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/11d6b78a81efc297f84995673f5740ed8fc2a189.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1647, "name": "tpaga", "slug": "tpaga", "former_names": [ "Tpaga" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d683992b573536b62d0a5d41e2c540439a9fe237.png", "website": "https://tpaga.co/", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "Through our mobile wallet, we allow consumers to receive, store, and send money through their phones. Virtually all the value propositions of a bank, in just one app.\r\n", "one_liner": "First financial Superapp of Latin America", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1493698216, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "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/tpaga", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/tpaga.json", "year_founded": 2015, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/tpaga/", "x_url": "https://twitter.com/tpagaco", "fb_url": "https://www.facebook.com/BilleteraTpaga/", "cb_url": "https://www.crunchbase.com/organization/tpaga", "github_url": "https://github.com/Tpaga", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d683992b573536b62d0a5d41e2c540439a9fe237.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 191579, "full_name": "Andres Gutierrez", "title": "Founder/CEO", "founder_bio": "2-time founder, from Colombia.\nBoard member (El Tiempo , Compensar, Naranja Internet)\nSoccer Team owner.\nHusband and Father of one.\nSoccer fan. (Socio de FC Barcelona)\n\n", "is_active": true, "linkedin_url": "https://co.linkedin.com/in/andres-gutierrez-8516588", "x_url": "https://twitter.com/andresgcn", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a84e86d1e91931b4a38c38846fabd0620933bc0b.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1670, "name": "LotusPay", "slug": "lotuspay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9237613d5c6b9ca86e68c4e86a6d63ec1d7337ed.png", "website": "http://www.lotuspay.com", "all_locations": "Bengaluru, KA, India", "long_description": "LotusPay was acquired by Juspay in Jan 2024.\r\n\r\nLotusPay is the recurring payments solution for businesses in India. We enable our clients to quickly and easily collect payments directly from their user's bank accounts via paperless NACH Debit.\r\n\r\nLotusPay is perfect for collecting loan repayments, membership fees, subscription and billing, recurring donations, tuition fees - any kind of regular or irregular payment, be it a fixed amount or variable amount.\r\n\r\nLotusPay is backed by Y Combinator.", "one_liner": "Recurring payments solution for businesses in India.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1493860908, "tags": [ "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "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/lotuspay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/lotuspay.json", "year_founded": 2016, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/lotuspay/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/lotuspay", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9237613d5c6b9ca86e68c4e86a6d63ec1d7337ed.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 190167, "full_name": "Atma Krishna", "title": "Founder/CEO", "founder_bio": "Founder of LotusPay.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/atmakrishna/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aabcf08d26c6c1fa7ac6db36f0acb8df4de4473f.jpg" }, { "user_id": 190996, "full_name": "Dinesh Gadge", "title": "Founder", "founder_bio": ".", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dineshgadge/", "x_url": "https://x.com/dineshgadge", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8cd4aa9682041dfad92032b59524657cb6717eb7.jpg" }, { "user_id": 190684, "full_name": "Anand Krishna", "title": "Founder", "founder_bio": "3x Founder based in Bangalore, India. Currently building Inkle (www.inkle.ai), a tax & accounting automation product for US startups (used by more than 5% of all YC companies). Feel free to reach out any time if you need US tax/books/compliance help.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/anand-krishna-9b61a4/", "x_url": "https://twitter.com/getak100", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/761b2e5144869848a15001e41e947280394139a7.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1713, "name": "Cashfree Payments", "slug": "cashfree-payments", "former_names": [ "Cashfree" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7eb68658869d911582ae784bc8ff049cb6b4a898.png", "website": "https://www.cashfree.com/", "all_locations": "Bengaluru, KA, India", "long_description": "Cashfree is a next-generation payments company for Indian businesses. \r\n\r\nCashfree helps 50,000+ businesses collect and send money with solutions such as an easy to integrate payment gateway that supports instant settlements & refunds; Payouts - an API banking platform for bulk disbursals; a split payment solution for marketplaces; a Bank Account Verification API; a dedicated UPI stack for businesses and Auto Collect - a virtual account solution to match inbound payments to customers. It counts Xiaomi, Nykaa, Zomato, Zoomcar, Cred, Swiggy, Shell, Zepto, Dunzo as well as donation platforms like Ketto and Milaap amongst its customers.\r\n\r\nCashfree is a licensed payment aggregator in India and works with all leading banks to build the core payments and banking infrastructure that powers Cashfree’s products. Cashfree is also integrated with major platforms like Shopify, Wix, Paypal, Amazon Pay, Ola Money and Google Pay.", "one_liner": "Next-gen digital payments provider for India.", "team_size": 200, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1496970201, "tags": [ "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "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/cashfree-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/cashfree-payments.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/cashfree", "x_url": "https://twitter.com/gocashfree", "fb_url": "https://twitter.com/gocashfree", "cb_url": "https://www.crunchbase.com/organization/cashfree", "github_url": "https://github.com/cashfree", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7eb68658869d911582ae784bc8ff049cb6b4a898.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/37/1503351244865-8341trphg0j-cebb63b587644620395ad876d5cccb35/c241e4d46c4c3194695cfcf7ccdb1221.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022637Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=7bd71c6992fb1633dc1e7414426b362fb10305ed13a186ff8a5bc0f8cc3fa79f", "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/4437b999aae9bb4a302035435f60a68d4b311a05.png" ], "primary_partner": null, "founders": [ { "user_id": 192952, "full_name": "Akash Sinha", "title": "Founder", "founder_bio": "Founder at Cashfree (S17)", "is_active": true, "linkedin_url": "https://in.linkedin.com/in/sinhaakash", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32b711ad39f231f62563ed097527f363ba5e955e.jpg" }, { "user_id": 117219, "full_name": "Reeju Datta", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://in.linkedin.com/in/reejudatta", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fa3186e04e67e5dd7043d8df416f7292ab5312f2.jpg" } ], "jobs": [ { "id": 32072, "title": "Engineering Manager", "url": "https://www.ycombinator.com/companies/cashfree-payments/jobs/MyFrUIS6o-engineering-manager", "location": "Bengaluru / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "SBI-backed Cashfree Payments appoints CBO, CTO ", "url": "https://yourstory.com/2023/05/cashfree-payments-arun-tikoo-cbo-ramkumar-venkatesan-cto-leadership", "date": "May 04, 2023" }, { "title": "sbi cashfree investment: State Bank of India invests in fintech startup Cashfree - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/state-bank-of-india-invests-in-fintech-startup-cashfree/articleshow/83303495.cms", "date": "Jun 10, 2021" } ], "launches": [] }, { "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": 1834, "name": "Aspire", "slug": "aspire", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/753f62b42ec2f778dd6395d3ae91802c52ab6b5a.png", "website": "https://aspireapp.com", "all_locations": "Singapore, Singapore", "long_description": "Aspire is the all-in-one finance operating system for businesses.\r\n\r\nWe help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone.\r\n\r\nOur mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential.\r\n\r\nWe believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.", "one_liner": "All-in-one Finance OS for businesses", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1510196652, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "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/aspire", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/aspire.json", "year_founded": 2018, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/aspireapp-global", "x_url": "", "fb_url": "https://www.facebook.com/AspireSingapore/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/753f62b42ec2f778dd6395d3ae91802c52ab6b5a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 207873, "full_name": "Andrea Baronchelli", "title": "Founder/CEO", "founder_bio": "Andrea Baronchelli is the Co-founder and CEO of Aspire, the finance stack for global founders. Under his leadership, Aspire grew into a global company serving 50,000+ businesses worldwide.\n\nBefore launching Aspire, Andrea was in Lazada’s founding team (exit to Alibaba Group), where he led growth, operations and product across multiple markets, including roles as EVP, CMO, CEO. That experience shaped his conviction that modern founders deserve a financial platform as global as their ambitions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrea-baronchelli%EF%BC%88%E5%AE%89%E5%88%A9%EF%BC%89-0979a541/", "x_url": "https://x.com/andrea_aspire", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea92f0ae2d59ef2ad45d032987656da9633ec952.jpg" }, { "user_id": 114616, "full_name": "Giovanni Casinelli", "title": "Founder", "founder_bio": "Co-founder, President & CTO @ Aspire, the all-in-one finance software for businesses.", "is_active": true, "linkedin_url": "https://linkedin.com/in/giovannicasinelli", "x_url": "https://twitter.com/CasinelliG", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60c308c20fc55bd6c086515921a65408bf1f0cb1.jpg" } ], "jobs": [ { "id": 84661, "title": "Senior Growth & Community Marketing Manager US ", "url": "https://www.ycombinator.com/companies/aspire/jobs/KnCUrsK-senior-growth-community-marketing-manager-us", "location": "San Francisco, CA, US / Remote (San Francisco, CA, US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$96K - $150K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Marketing design" ] }, { "id": 89284, "title": "Business Development Manager, US", "url": "https://www.ycombinator.com/companies/aspire/jobs/GmeuYgC-business-development-manager-us", "location": "US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $110K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Aspire raises $100m series C, says annual volume has tripled", "url": "https://www.techinasia.com/aspire-raises-100m-seriesb-says-annual-volume-tripled", "date": "Feb 13, 2023" }, { "title": "\t\t\tSingapore’s Aspire Raises US $158 Million to Build the “Salesforce” of Finance | Fintech Singapore\t\t", "url": "https://fintechnews.sg/55759/funding/singapores-aspire-raises-us-158-million-to-build-the-salesforce-of-finance/", "date": "Sep 26, 2021" } ], "launches": [] }, { "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": 2007, "name": "Khatabook", "slug": "khatabook", "former_names": [ "Kyte" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/66b2f57ed74a17802ce2f389dc5be76a7d2e0fe0.png", "website": "https://khatabook.com/", "all_locations": "Bengaluru, KA, India", "long_description": "Replace your traditional ledgers with new digital Khatabook and Avail financial services like Lending for your business. Business owners can use the app to record credit (Jama) and debit (Udhar) transactions for their trusted customers. It is 100% Free, Safe, and Secure for all types of businesses to maintain their customers'​ accounts.\r\n", "one_liner": "Manage your ledgers and avail Financial Services like Lending on your…", "team_size": 350, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1526436265, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/khatabook", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/khatabook.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/khatabook/", "x_url": "https://twitter.com/khatabook", "fb_url": "https://www.facebook.com/khatabook", "cb_url": "https://www.crunchbase.com/organization/khatabook", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/66b2f57ed74a17802ce2f389dc5be76a7d2e0fe0.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": 181685, "full_name": "Ravish Naresh", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ravish-naresh-72543359/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b3c62085519ab206b2786c492744ffcc0b744d45.jpg" } ], "jobs": [], "news": [ { "title": "India’s Khatabook raises $100 million for its bookkeeping platform for merchants – TechCrunch", "url": "https://techcrunch.com/2021/08/23/indias-khatabook-raises-100-million-for-its-bookkeeping-platform-for-merchants/", "date": "Aug 23, 2021" } ], "launches": [] }, { "id": 2032, "name": "OkCredit", "slug": "okcredit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/319d958d1c1ed34dab6fa69de4c65c566d82fcc8.png", "website": "https://www.okcredit.in", "all_locations": "Bengaluru, KA, India", "long_description": "Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! \r\n\r\nThe 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper!\r\n\r\nOKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. We have changed the way the MSMEs record the transactions and eased their life today. \r\n\r\n", "one_liner": "Simple and secure bookkeeping for Indian businesses.", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1528153427, "tags": [ "FinOps", "Fintech", "Payments", "Finance", "India", "SMB" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "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": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "1. Recovery of credit - MSMEs businesses run on a credit system. To run their business and sustain in the market they need to provide goods/services on credit, but recovery of this credit is the key challenge. 2. Working capital for the business - It’s difficult to get credit at a cheaper rate, you need to prove your credit worthiness to secure loans or provide collaterals to get loans.Most of the MSMEs are unserved, unidentified and underserved segments in an economy like India.3. Demand for customers - Due to the booming e-commerce market and pandemic situation , there is a paradigm shift in the purchasing habits. Most of the customer base has moved towards online purchases/transactions. Traditional merchants are facing tough competition to convert these customers." } ], "url": "https://www.ycombinator.com/companies/okcredit", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/okcredit.json", "year_founded": 2017, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/okcredit/mycompany/?viewAsMember=true", "x_url": "https://twitter.com/_okcredit", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/okcredit-india", "github_url": "https://github.com/okcredit", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/319d958d1c1ed34dab6fa69de4c65c566d82fcc8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/42f02b565bc0d8a01277ae7aeade42dc183678c6.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/84b87c97f053700830ca125991c06da6a0eb406a.png" ], "primary_partner": null, "founders": [ { "user_id": 212613, "full_name": "Gaurav Kumar", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gaurav-kumar-9426a546/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d75651e972a3dae0368582356da41bd63288b472.jpg" }, { "user_id": 135999, "full_name": "Harsh Pokharna", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/harsh-pokharna-58437a45", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/31631167fc13b4dd9695ac7a018fdb9979d2fea5.jpg" }, { "user_id": 131275, "full_name": "Aditya Prasad", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://in.linkedin.com/in/aditya-prasad-9a785a46", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20b717cace5ae5ab0d72b75c7fb33b78ff0cae93.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 2033, "name": "Kinside", "slug": "kinside", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70ca1a8a7c946397f4ff4c2f6fb41d8ea5ebf33e.png", "website": "https://www.kinside.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Kinside powers bookings and payments for the $648B care economy. We’ve started with child care, a $136B category that despite being an essential and evergreen service, remains an undigitized space, driven mostly by cash. ", "one_liner": "Powering the $648b Care Economy", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1528157028, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2018", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kinside", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/kinside.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kinside/", "x_url": "https://twitter.com/getkinside", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/kinside", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/70ca1a8a7c946397f4ff4c2f6fb41d8ea5ebf33e.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/42/1534885819761-x2a5lw5yubc-14ff6831cf0d84449f94657fe7860eea/9f181dbb6253db2daea84849803c8a66.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=b1e6c0ebfa0c33bf662cf11539e01b437c434d2aad5c2e86a82e44659980be84", "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 52, "full_name": "Abe Han", "title": "Founder", "founder_bio": "Software engineer with design training – deep product expertise, with much experience in hiring and managing technical teams. Former engineering lead at HoneyBook, and previously founded Works.io.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abehan", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d63d90705b7dbadbea1d126bf76fcc36cbb9199.jpg" }, { "user_id": 57782, "full_name": "Shadiah Sigala", "title": "Founder", "founder_bio": "I'm a serial entrepreneur. Recently sold Kinside (S18) to UrbanSitter (marketplace). Before that, I cofounder HoneyBook (Unicorn). \n\nI broke ground in my first generation Mexican-American family by receiving degrees from Harvard (Master's in Public Policy) and Pomona College (BA in Latin American Studies).\n\nI currently live in San Francisco with my family.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shadiah/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3ba723f58d8e5a7e3c71ef624560c76f91495674.jpg" } ], "jobs": [], "news": [ { "title": "Mom Founder And VCs Are Disrupting The Childcare Industry", "url": "https://www.forbes.com/sites/geristengel/2022/09/21/mom-founders-and-vcs-are-disrupting-the-childcare-industry/", "date": "Sep 21, 2022" }, { "title": "Child care startup Kinside raises $12M Series A in a round led by mothers – TechCrunch", "url": "https://techcrunch.com/2022/06/07/kinside-helps-parents-find-and-afford-quality-pre-screened-childcare/", "date": "Jun 07, 2022" }, { "title": "Kinside: The digital marketplace changing the way parents shop for child care | Fortune", "url": "https://fortune.com/2021/09/19/kinside-childcare-startup/", "date": "Sep 20, 2021" } ], "launches": [] }, { "id": 4940, "name": "Wave", "slug": "wave", "former_names": [ "Wave", "Wave Mobile Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb010b1c1951d3cc6578fb3ff4c83700de7c376.png", "website": "https://wave.com", "all_locations": "Dakar, Dakar Region, Senegal; Remote", "long_description": "Building extremely affordable financial infrastructure for Africa.", "one_liner": "Mobile money app for Africa", "team_size": 1600, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1638361727, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Senegal", "Africa", "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": "Lincoln and I were hallmates freshman year at Brown University. We originally founded Sendwave (YC12) to solve the problem of crazy high fees for sending international money transfers to Africa. I had experienced this problem first hand working on an NGO in Tanzania.As we scaled Sendwave into the largest digital remitter to Africa, we realized there was an even bigger problem moving money domestically within African countries. So, we sold Sendwave and spun out our current business, Wave, to build extremely affordable mobile money for countries in Africa, starting with Senegal." }, { "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": "Lincoln had been following YC since it started when we were in college so it was an easy decision to apply when we started working together. By far the most impactful part of YC was building relationships with many great advisors that we still are close with today — over 10 years later!" } ], "url": "https://www.ycombinator.com/companies/wave", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/wave.json", "year_founded": 2018, "city": "Dakar", "country": "SN", "linkedin_url": "https://www.linkedin.com/company/wavemm/", "x_url": "", "fb_url": "https://www.facebook.com/WaveSenegal", "cb_url": "https://www.crunchbase.com/organization/wave-2ad36e2c", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb010b1c1951d3cc6578fb3ff4c83700de7c376.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/a81dc528a4e232324a717bd4b1271e9841dbb31e.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d87573eb9222e34169b1947b78077589b50b7dcd.png" ], "primary_partner": null, "founders": [ { "user_id": 52090, "full_name": "Drew Durbin", "title": "Founder/CEO", "founder_bio": "CEO at Wave", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/drew-durbin-52517614/", "x_url": "https://twitter.com/drewdurbin/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/13e85d1c53166f6c8640d323d32a619e9971802d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 11927, "name": "Canopy (was Encarte)", "slug": "encarte", "former_names": [ "Encarte" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3851660137a3ecd29db1fb71f166603825b86c3b.png", "website": "https://www.heycanopy.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "Encarte is building 1-click checkout for all online stores.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1540955022, "tags": [ "Payments", "E-Commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "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/encarte", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/encarte.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/encarte", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3851660137a3ecd29db1fb71f166603825b86c3b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 242263, "full_name": "George Fang", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fanggeorge/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fc47e84e3e6b01bdadc001789bac9ee4b09e1014.jpg" }, { "user_id": 127331, "full_name": "John Ling", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jhnling/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20b152ed0d5b1fde311f579bd412c44656c4cccc.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12262, "name": "Cuanto", "slug": "cuanto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7537c2ea53c825f90e7b66831754edaddd1f069b.png", "website": "https://www.cuanto.app", "all_locations": "Panama City, Panama, Panama; Remote", "long_description": "We are building the operating system to allow merchants in the developing world to sell online. We started by helping those in LatAm instantly launch online to monetize their audience and sell over social media.\r\n\r\nWe help merchants create a storefront, process payments, and manage fulfillment in one simple platform.\r\n", "one_liner": "Building the operating system for developing world merchants", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1543982567, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Panama", "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/cuanto", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/cuanto.json", "year_founded": 2018, "city": "Panama City", "country": "PA", "linkedin_url": "https://www.linkedin.com/company/16228455", "x_url": "https://twitter.com/cuantoapp", "fb_url": "https://www.facebook.com/cuantoapp", "cb_url": "https://www.crunchbase.com/organization/cuanto", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7537c2ea53c825f90e7b66831754edaddd1f069b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/f783f172e4019271539ab2501e92d13f8afeaf73.png" ], "primary_partner": null, "founders": [ { "user_id": 135760, "full_name": "Felipe Echandi", "title": "Founder", "founder_bio": "Love sci-fi as a way to think about the future. Obsessed with small businesses succeeding.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/felipeechandi", "x_url": "https://twitter.com/felcheck", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a9076ce8ab6ab8dc59f4b87eab06bfc027713849.jpg" }, { "user_id": 292269, "full_name": "Jorge L García", "title": "Founder", "founder_bio": "Co-founder & CPO at Cuanto (W19), helping small businesses in Latin America sell online and get paid. Previously co-founded Ubiqua (acquired).\n\nBased in Panama. Product nerd, sci-fi reader, and always looking for an excuse to go spearfishing or kiteboarding.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jorge-luis-garcia-chapman-09487717/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e5a4058319061658345c1835cea1d5933f884be.jpg" }, { "user_id": 112295, "full_name": "Jose Varela", "title": "Founder/CTO", "founder_bio": "2xFounder/CTO. Worked in B2B wholesale logistics and B2C ecommerce/payment-processing.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jose-varela-9a345813/", "x_url": "https://twitter.com/jose_r_varela", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9d1751b39bd1d975a68f36e5ee81517ca09a0a11.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12278, "name": "Verto", "slug": "verto", "former_names": [ "Verto FX", "VertoFX" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/576b45f257548345c964f5d5d6621c981f205710.png", "website": "http://www.vertofx.com", "all_locations": "London, England, United Kingdom", "long_description": "Verto is a cross-border payment platform for businesses; our mission is to simplify cross-border payments in emerging markets, particularly Africa.\r\n\r\nWe do this by providing businesses with superb infrastructure that they can use to convert, hold, receive and make payments across 49 currencies.\r\n\r\nBy connecting Businesses, Liquidity providers, FX Brokers, and Payment Institutions, and banks through our marketplace, companies can choose their foreign exchange rates at the time that suits them, therefore, providing a constant liquidity flow cheaply. ", "one_liner": "Cross-Border Payments and FX Simplified", "team_size": 170, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1544068971, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "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/verto", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/verto.json", "year_founded": 2018, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/vertofx/", "x_url": "https://twitter.com/VertoFX", "fb_url": "https://www.facebook.com/VertoFX/", "cb_url": "https://www.crunchbase.com/organization/vertofx", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/576b45f257548345c964f5d5d6621c981f205710.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 273729, "full_name": "Anthony Oduwole", "title": "Founder", "founder_bio": "Anthony’s experience includes co-founding an online education portal Tespoke – designed to bridge the gap between schools, parents, and tutors. He also served as a co-founder of property development and investment startup - Expedius. An ex-banking & capital market specialist with experience with Bank of America Merrill Lynch, Barclays & Lloyds Bank. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anthonyoduu/", "x_url": "https://twitter.com/AnthonyOduu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c1deecaf1c6f9f34edf3b4330f68a16d8f87ff8.jpg" }, { "user_id": 275627, "full_name": "Ola Oyetayo", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ola-oyetayo-02277516/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92eb8fc4c884d9d3482debe950873e1fafbf418c.jpg" } ], "jobs": [ { "id": 77305, "title": "Enterprise Sales Manager", "url": "https://www.ycombinator.com/companies/verto/jobs/I7MRNdG-enterprise-sales-manager", "location": "London 🇬🇧 / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "£1 GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 82588, "title": "Sales Manager", "url": "https://www.ycombinator.com/companies/verto/jobs/7Nqzxkx-sales-manager", "location": "New York 🇺🇸 / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94597, "title": "Talent Partner", "url": "https://www.ycombinator.com/companies/verto/jobs/5dxsJo1-talent-partner", "location": "London 🇬🇧 / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94600, "title": "Director of Account Management", "url": "https://www.ycombinator.com/companies/verto/jobs/qrlvAhK-director-of-account-management", "location": "London 🇬🇧 / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94602, "title": "Expansion Lead", "url": "https://www.ycombinator.com/companies/verto/jobs/gkjzpih-expansion-lead", "location": "London 🇬🇧 / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94603, "title": "Sales Manager", "url": "https://www.ycombinator.com/companies/verto/jobs/3LDdMtb-sales-manager", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94604, "title": "MLRO & Compliance Officer", "url": "https://www.ycombinator.com/companies/verto/jobs/8GYeihV-mlro-compliance-officer", "location": "Dubai 🇦🇪 / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102182, "title": "Middle Office Manager", "url": "https://www.ycombinator.com/companies/verto/jobs/6EcryCi-middle-office-manager", "location": "London 🇬🇧 / Remote (London, England, GB)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102183, "title": "Growth & Marketing Manager", "url": "https://www.ycombinator.com/companies/verto/jobs/OI8YpBE-growth-marketing-manager", "location": "Cape Town 🇿🇦 / Remote (Cape Town, WC, ZA; Cape Town, Western Cape, ZA)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$1", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "VertoFX picks up $10M for cross-border payments play in emerging markets – TechCrunch", "url": "https://techcrunch.com/2021/09/30/vertofx-picks-up-10m-for-cross-border-payments-play-in-emerging-markets/", "date": "Sep 30, 2021" } ], "launches": [] }, { "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!). Previously at Foreflight and Clover. Studied Computer Science and Business at UT Austin.", "is_active": true, "linkedin_url": "https://linkedin.com/in/josebethancourt", "x_url": "https://twitter.com/josebet1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea1e12698689d91ca4b2a99a131508fab805281b.jpg" }, { "user_id": 250038, "full_name": "Jesus Marco del Carmen", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jmdelcarmen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6598509f3c73a03abc53053b2a38f579285da70.jpg" } ], "jobs": [ { "id": 70984, "title": "Former Founder ", "url": "https://www.ycombinator.com/companies/method-financial/jobs/VMgBkYB-former-founder", "location": "Austin, TX / San Francisco, CA / New York, NY", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1 - $200K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106473, "title": "Design Engineer ", "url": "https://www.ycombinator.com/companies/method-financial/jobs/yoAdoQ4-design-engineer", "location": "New York, NY / Austin, TX", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116011, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/method-financial/jobs/eDFY1pu-enterprise-account-executive", "location": "New York, NY / San Francisco, CA / Washington D.C. / Austin, TX", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$280K - $370K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116012, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/method-financial/jobs/n8dHF2L-solutions-engineer", "location": "San Francisco, CA / New York, NY", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$170K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116014, "title": "Software Engineer ", "url": "https://www.ycombinator.com/companies/method-financial/jobs/PtIUu82-software-engineer", "location": "New York, NY / Washington D.C. / Austin, TX", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$175K - $215K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116016, "title": "Senior Software Engineer ", "url": "https://www.ycombinator.com/companies/method-financial/jobs/PydfFE2-senior-software-engineer", "location": "New York, NY / Washington D.C. / Austin, TX", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$205K - $240K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116021, "title": "Forward Deployed Product Manager", "url": "https://www.ycombinator.com/companies/method-financial/jobs/WztzsKJ-forward-deployed-product-manager", "location": "New York, NY / San Francisco, CA", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116022, "title": "Senior Technical Recruiter", "url": "https://www.ycombinator.com/companies/method-financial/jobs/WhOOndj-senior-technical-recruiter", "location": "New York, NY", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$150K - $175K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116024, "title": "Enterprise Account Executive, Commerce", "url": "https://www.ycombinator.com/companies/method-financial/jobs/1oALVWR-enterprise-account-executive-commerce", "location": "San Francisco, CA / New York, NY", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$130K - $160K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Method is helping fintech companies like SoFi build repayment functionality into their apps | TechCrunch", "url": "https://techcrunch.com/2025/01/23/method-is-helping-fintech-companies-like-sofi-build-repayment-functionality-into-their-apps/", "date": "Jan 23, 2025" }, { "title": "Method Financial Expands Reach to 200k+ Americans Managing More than $22 Billion", "url": "https://www.bloomberg.com/press-releases/2023-07-18/method-financial-expands-reach-to-200k-americans-managing-more-than-22-billion-in-consumer-debt", "date": "Jul 18, 2023" }, { "title": "Embedded finance startup Method raises $16M", "url": "https://www.axios.com/pro/fintech-deals/2023/01/26/embedded-debt-repayment-method-16m", "date": "Jan 26, 2023" }, { "title": "Propelling the next decade of consumer finance | Method Financial", "url": "https://methodfi.com/blog/series-a", "date": "Jan 26, 2023" }, { "title": "Method raises $16M to power loan repayment, balance transfers and more across fintech apps • TechCrunch", "url": "https://techcrunch.com/2023/01/26/method-raises-16m-to-power-loan-repayment-balance-transfers-and-more-across-fintech-apps/", "date": "Jan 26, 2023" } ], "launches": [] }, { "id": 12760, "name": "FamPay", "slug": "fampay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/319c4ca66fa53bdc1e6c40bcff4a0ea5aebe575d.png", "website": "https://fampay.in", "all_locations": "Bengaluru, KA, India", "long_description": "With FamPay, minors can do UPI, P2P and card payments without the need to set up a bank account. FamPay allows parents to send money to their kids below the age of 18, which they can spend securely any time, anywhere, under parent’s supervision. FamPay aims at making payments smooth and fun for children.", "one_liner": "India’s first neobank for teenagers", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1584112100, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "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/fampay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/fampay.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/fampay/", "x_url": "https://twitter.com/fampayindia", "fb_url": "https://www.facebook.com/fampay.in/", "cb_url": "https://www.crunchbase.com/organization/fampay", "github_url": "https://github.com/fampay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/319c4ca66fa53bdc1e6c40bcff4a0ea5aebe575d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 333201, "full_name": "Sambhav Jain", "title": "Founder", "founder_bio": "Founder at FamPay (YC S19) \nBuilding the future of payments for teenagers in India", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sambhavjainiitr/", "x_url": "https://twitter.com/_SambhavJain_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5e8dd5bc49a4fa36440a11341a88054d6e5092f2.jpg" }, { "user_id": 333183, "full_name": "Kush Taneja", "title": "Founder", "founder_bio": "Hi - it's Kush.\nFounded FamPay at 21. Fam is the world's largest banking product designed exclusively for teenagers with 15M+ monthly active customers, and processing 1B+ txns/ month. We raised $42M+ from Sequioa, GC, DST, GreenOaks, Elevation etc\nLast year on becoming profitable, I stepped down from day to day operations.\nOnto my next adventure.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kushtaneja", "x_url": "https://x.com/kushxtaneja", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fc224d2fb29a7442003d90379fb76b7563e0f103.jpg" } ], "jobs": [ { "id": 42151, "title": "[India] FamPay- Site Reliability Engineer", "url": "https://www.ycombinator.com/companies/fampay/jobs/N4ojybAAB-india-fampay-site-reliability-engineer", "location": "Bangalore / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Django", "Python", "Linux" ] } ], "news": [ { "title": "FamPay, a fintech aimed at teens in India, raises $38 million – TechCrunch", "url": "https://techcrunch.com/2021/06/15/fampay-a-fintech-aimed-at-teens-in-india-raises-38-million/", "date": "Jun 15, 2021" } ], "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": 12843, "name": "PayMongo", "slug": "paymongo", "former_names": [ "Equiac" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7cba82562906755c19c4ffc3aca87850d388d16c.png", "website": "https://paymongo.com", "all_locations": "Taguig, NCR, Philippines", "long_description": "PayMongo builds products and tools that enable thousands of individuals and businesses in the Philippines to make and receive payments over the Internet. We support payments through credit or debit cards, electronic wallets, over-the-counter payments and many more.\r\n\r\nWe build robust APIs, plugins and other products that abstract out the complexities of payments from our users so they can get up and running quickly and focus on their business.\r\n\r\nOur investors include Founders Fund, Peter Thiel, Bedrock Capital and Stripe.", "one_liner": "Modern online payments for the Philippines", "team_size": 220, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559191336, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Philippines", "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/paymongo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/paymongo.json", "year_founded": 2019, "city": "Taguig", "country": "PH", "linkedin_url": "https://www.linkedin.com/company/paymongo", "x_url": "https://twitter.com/paymongo", "fb_url": "https://www.facebook.com/paymongo", "cb_url": "https://www.crunchbase.com/organization/paymongo", "github_url": "https://github.com/paymongo", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7cba82562906755c19c4ffc3aca87850d388d16c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 331651, "full_name": "Luis Sia", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/luis-sia-356877148/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e50cb93bfb5c284815982a955d48a314cf147df0.jpg" } ], "jobs": [], "news": [ { "title": "Fintech PayMongo Weans Philippines Shops Off Cash By Simplifying Digital Payments", "url": "https://www.forbes.com/sites/catherinewang/2022/07/05/fintech-paymongo-weans-philippines-shops-off-cash-by-simplifying-digital-payments/?sh=512574a57603", "date": "Jul 06, 2022" }, { "title": "Philippines payment gateway PayMongo gets $31M Series B, will explore regional expansion • TechCrunch", "url": "https://techcrunch.com/2022/02/20/philippines-payment-gateway-paymongo-gets-31m-series-b-will-explore-regional-expansion/", "date": "Feb 20, 2022" }, { "title": "Philippines payment processing startup PayMongo lands $12 million Series A led by Stripe • TechCrunch", "url": "https://techcrunch.com/2020/09/27/philippines-payment-processing-startup-paymongo-lands-12-million-series-a-led-by-stripe/", "date": "Sep 27, 2020" }, { "title": "Manila-based payments processing startup PayMongo raises $2.7 million in seed funding • TechCrunch", "url": "https://techcrunch.com/2019/09/25/manila-based-payments-processing-startup-paymongo-raises-2-7-million-in-seed-funding/", "date": "Sep 25, 2019" } ], "launches": [] }, { "id": 12853, "name": "Valiu", "slug": "valiu", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b16c3ee1923418647ba5ed012e40dfe8d0317dd.png", "website": "https://www.valiu.com", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "It is very hard to access USD or stable currency in LatAm's depreciating, and hyper-inflationary economies. We are solving that for individuals and businesses.", "one_liner": "USD mobile banking for LatAm's businesses and people", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559267725, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "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/valiu", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/valiu.json", "year_founded": 2018, "city": "Bogotá", "country": "CO", "linkedin_url": "", "x_url": "https://twitter.com/simonvaliu", "fb_url": "https://www.facebook.com/valiuco", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b16c3ee1923418647ba5ed012e40dfe8d0317dd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 320197, "full_name": "David Barinas", "title": "Founder", "founder_bio": "Product hacker", "is_active": true, "linkedin_url": "https://linkedin.com/in/davidbarinas", "x_url": "https://www.twitter.com/imdavidbarinas", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d2e2eeb3f5d7053514c23020bd8e42b2f14dc812.jpg" }, { "user_id": 313988, "full_name": "Simon Chamorro", "title": "Founder", "founder_bio": "Cooking my next startup - looking to meet technical founders.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/simon-chamorro-92085a96/", "x_url": "https://twitter.com/realsimon", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce7091e435bfd422eb9af31de4b67c272b6bcc34.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12856, "name": "Coco Wallet", "slug": "coco-wallet", "former_names": [ "Coco", "Coco Pago" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7515f83e50e3f52a5cd34355a67ae58ba87c3724.png", "website": "https://cocowallet.app", "all_locations": "New York City, NY, USA; Remote", "long_description": "Coco Wallet is a global money app that lets users send, spend, save, and earn in digital dollars. It combines the simplicity of a neobank like \"Revolut\" or \"Nubank\" with the freedom of Web3. Giving anyone instant access to stable, borderless money without relying on banks.", "one_liner": "Your global dollar account powered by stablecoins", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559267826, "tags": [ "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "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/coco-wallet", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/coco-wallet.json", "year_founded": 2019, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cocopago", "x_url": "https://x.com/CocoWallets", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7515f83e50e3f52a5cd34355a67ae58ba87c3724.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 297316, "full_name": "Kevin Charles", "title": "Founder", "founder_bio": "YC Badge: 0x2a8bd0744b05d94177f40e86983b9a79feb6ffd5\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kevin-charles-6348b5b5/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/acbeedfeb080595c279c7f188c87b9ea583f7306.jpg" }, { "user_id": 337194, "full_name": "Victor Charles", "title": "Founder", "founder_bio": "Just a Venezuelan dude building and shipping crypto products with real life uses cases since 2014.\n\nYC Badge: 0x76d772b9e5dd1b50e416ae31a7a62735ecea3fc4\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/victor-a-charles-754394124/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/54f1860a3e650c338acb01cd0b38787b0537802b.jpg" }, { "user_id": 337215, "full_name": "Francisco jose Martin toro", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "http://linkedin.com/in/francisco-martin-toro-7a481715b", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/94c736d909e206f11ad90bc95de98f7c940d7863.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13106, "name": "Carbon-12 Labs", "slug": "carbon-12-labs", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.carbon.money", "all_locations": "", "long_description": "", "one_liner": "A Global Payouts API for Startups", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1659720999, "tags": [ "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "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/carbon-12-labs", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/carbon-12-labs.json", "year_founded": null, "city": null, "country": null, "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/carbon-12-labs", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 178564, "full_name": "Gavin Mai", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://linkedin.com/in/gavinmai", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/13668e438a70de8cf69e4697c1dc7246c0626933.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13165, "name": "Peg (formerly Paymobil)", "slug": "peg", "former_names": [ "Epay / Mutiny", "Epay", "Paymobil" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f19f6ca2a209e7675e563efe95a857c23b35dd0d.png", "website": "https://www.peg.money", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Peg is a global bank account replacement using stablecoins.\r\nWe make it possible to send money to any email or phone number in the world in seconds.\r\n\r\nWe have taken all the friction out of the current terrible UX with crypto p2p payments and made it better than regular consumer products like Venmo and Square Cash. Unlike those it works across borders and can launch globally due to our non-custodial architecture.\r\n\r\nPeg was the first self-custodial stablecoin focused wallet, launched early 2020.\r\n", "one_liner": "The super simple stablecoin wallet with free transactions", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1600678612, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Inactive", "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/peg", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/peg.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/paymobilapp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f19f6ca2a209e7675e563efe95a857c23b35dd0d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [], "jobs": [], "news": [], "launches": [ { "id": 67627, "title": "Paymobil 💸 Send money anywhere in the world in seconds", "tagline": "The super simple stablecoin wallet with free transactions", "body": "Happy to publicly launch the massively upgraded Paymobil 2.0 today! 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": 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": 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": 13354, "name": "yBANQ", "slug": "ybanq", "former_names": [ "Procureli Technologies Pvt. Ltd", "Ybanq" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/adeafd73575a3d62a8377efcebb27aa13569f642.png", "website": "https://ybanq.com", "all_locations": "Bengaluru, KA, India", "long_description": "We are building a collections and reconciliation platform for MSME's in India. In India, reconciliation is largely manual and error prone due requiring manual matching of bank statements with Invoices. In my last role, I used to head product for PayU, India #1 Fintech firm. 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": 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": 21790, "name": "Dripos", "slug": "dripos", "former_names": [ "Drip" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0fd578735825717b2afbf0834e1df6184ba35be.png", "website": "https://dripos.com", "all_locations": "New York City, NY, USA", "long_description": "Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.", "one_liner": "The only piece of software a coffee shop needs to operate.", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596049185, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 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": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/dripos", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/dripos.json", "year_founded": 2019, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/drippos", "x_url": "", "fb_url": "https://www.facebook.com/DriposPOS", "cb_url": "https://www.crunchbase.com/organization/drip-650c", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0fd578735825717b2afbf0834e1df6184ba35be.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/49/1598456178083-abx3574bls9-1650318db9bcd412be4ac8025e66017c/5133da42996588ff2726884d6809ecf1.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022649Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=a6889c8f1dd913ffd3d2c9590a6f3a00e46238294a7b04e0c5cb0c3588fb2d0e", "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 468318, "full_name": "Jack Pawlik", "title": "Founder/CEO", "founder_bio": "Ask me about my dog, Remy!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jack-pawlik/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/96eec1cd72358416677fa87b372b7971fa8d8ea8.jpg" } ], "jobs": [], "news": [ { "title": "Dripos raises $11M Series A to replace Square, Toast and 8 other pieces of software | TechCrunch", "url": "https://techcrunch.com/2024/04/24/coffee-shop-software-dripos-square-toast/", "date": "Apr 24, 2024" }, { "title": "With Dripos, it's no tall order running a coffee shop", "url": "https://stripe.com/newsroom/stories/dripos-and-stripe", "date": "Jun 29, 2023" }, { "title": "Dripos and Bosstab", "url": "https://www.bosstab.com/case-study/dripos/", "date": "May 16, 2023" } ], "launches": [] }, { "id": 21812, "name": "Safepay", "slug": "safepay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/269b53629324d449da5b34f295bfa9befb9eed72.png", "website": "https://getsafepay.pk/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Safepay provides a single integrated payments solution that interoperates with local and international payment options. Our current focus is to serve businesses and individuals in Pakistan and neighboring economies.", "one_liner": "Digital payments for businesses in Pakistan", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1597600667, "tags": [ "Developer Tools", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "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/safepay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/safepay.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/safepayhq", "fb_url": "https://www.facebook.com/safepay.pk", "cb_url": null, "github_url": "https://github.com/getsafepay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/269b53629324d449da5b34f295bfa9befb9eed72.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": 111913, "full_name": "Ziyad Parekh", "title": "Founder", "founder_bio": "Co-Founder and CEO at Safepay. Software engineer by background. Double majored in Mathematics and Economics. Helped multiple startups launch and scale new product lines. Trying to achieve a similar goal with Safepay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ziyad-parekh-b864b655", "x_url": "https://twitter.com/ziyadparekh", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8cd5fe67a67c8596067a59b53ee56280812d6ebd.jpg" } ], "jobs": [ { "id": 49974, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/safepay/jobs/sYvXVJL-senior-backend-engineer", "location": "Karachi, Pakistan / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 21817, "name": "Volopay", "slug": "volopay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a2969762f324adcf3509c5854bebc199ecc587cb.png", "website": "https://www.volopay.com/", "all_locations": "Bengaluru, KA, India; Singapore, Singapore; Remote", "long_description": "Volopay is a modern spend management platform that saves companies time and money by giving visibility & control to every aspect of business spending. With Volopay, finance and accounting teams can control expense requests and approvals, make bill payments (domestic/cross-border), manage company cards, and reconcile all accounting on one platform.\r\n\r\nVolopay completely eliminates the need for expense reports and reimbursements while giving everyone in the company a card to use. We worked in an offshore dev centre in the past and it took 2 months to get our reimbursements and 4 weeks to make any purchase as there was just one corporate card for the entire company and clunky bill payments solutions offered by the banks. \r\n\r\nAmong our customers are Reddoorz (OYO of South East Asia), Dathena (biggest data security co in Singapore) and Beam (APAC’s leading micro-mobility player). ", "one_liner": "Brex for South East Asia - Corporate cards & automated payments.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596167541, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "Singapore", "South Asia", "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/volopay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/volopay.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/volopay/", "x_url": "https://twitter.com/volopay", "fb_url": "https://www.facebook.com/volopay", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a2969762f324adcf3509c5854bebc199ecc587cb.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": 480484, "full_name": "Rajith Shaji", "title": "Founder", "founder_bio": "Founder & CEO of Volopay. Led product and growth teams at fintechs like MatchMove(biggest card issuance company in South East Asia), MoneySmart and BankBazaar (funded by Amazon).\n\nRajesh and I met at MoneysSmart - the Credit Karma in Singapore where Rajith led product management and Rajesh was a tech lead, where they built Singapore’s first car insurance digital brokerage and the integration with all major insurance providers.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rajiths/", "x_url": "https://twitter.com/itzrajith", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/731af189929e89c9bfd19f5e2551d788a1d67856.jpg" }, { "user_id": 165298, "full_name": "Rajesh Raikwar", "title": "Founder", "founder_bio": "A polyglot programmer and passionate about technologies, and above all, an entrepreneur at heart. For the better part of my career, I've been involved with Fintechs. I see a lot of potentials to improve and grow in the same. Currently focusing on solving the SME business expensing problem with the help of smart corporate cards.", "is_active": true, "linkedin_url": "https://in.linkedin.com/in/rajeshraikwar", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73f3a261866f7a9ab3d85269afd57389414c694c.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator-backed Volopay raises $29 mn to kickstart India operations | VCCircle", "url": "https://www.vccircle.com/y-combinator-backed-volopay-to-start-india-ops-raises-29-mn", "date": "Mar 01, 2022" } ], "launches": [] }, { "id": 21856, "name": "Charityvest", "slug": "charityvest", "former_names": [ "Vennfi (Charityvest)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/08ded5f812bd52606327b4c6965f9646a77ce233.png", "website": "https://www.charityvest.org", "all_locations": "Atlanta, GA, USA", "long_description": "Charityvest is the modern donor-advised fund, for individuals and corporations.\r\n- Make tax-smart contributions of cash, stock, crypto, equity and more to your DAF.\r\n- Invest your charitable balance for tax-free growth with low-cost ETFs.\r\n- Send grants to 1.4 million charities with a few clicks.\r\n- Receive one tax receipt for all of your giving.", "one_liner": "A premier charitable giving account, for everyone.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596474808, "tags": [ "Fintech", "SaaS", "Nonprofit" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "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/charityvest", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/charityvest.json", "year_founded": 2019, "city": "Atlanta", "country": "US", "linkedin_url": "https://www.linkedin.com/company/charityvest", "x_url": "https://twitter.com/Charityvest", "fb_url": "https://www.facebook.com/charityvest.org/", "cb_url": "https://www.crunchbase.com/organization/charityvest", "github_url": "https://github.com/Charityvest", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/08ded5f812bd52606327b4c6965f9646a77ce233.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 123669, "full_name": "Stephen Kump", "title": "Founder", "founder_bio": "Stephen is passionate about leveraging technology to make the world more generous. He worked for over ten years as a strategy consultant to nonprofit organizations, philanthropists, corporate leaders, and private equity investors, most recently with Bain & Company. He has also led military organizations as a former combat arms officer in the US Army. He holds an MBA from the Yale School of Management and bachelor’s degrees in both Economics and Management from Georgia Tech.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stephenkump", "x_url": "https://twitter.com/stephenkump", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fba015c1908aa6f7a3187dee559dc5925ef1b09c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 21863, "name": "BukuWarung", "slug": "bukuwarung", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea907a1b87549241f7b6d528f2704f3c3341d802.png", "website": "http://bukuwarung.com/app", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "BukuWarung is SEA's fastest growing startup and we are building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping, online storefront and payments.\r\n\r\nBukuWarung has raised $80M from top tier VCs globally: Peter Thiel's Valar Ventures, Goodwater Capital, Y-Combinator, Rocketship.vc, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, SoftBank Partners, DST Global Partners, and strategic angel investors from Stripe, PayPal, Plaid, Grab, Gojek, Facebook, AirBnB, Fast, Mastercard. ", "one_liner": "Accounting, Payments & Credit app for 60M micro-businesses in…", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1593714558, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "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/bukuwarung", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/bukuwarung.json", "year_founded": 2019, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/31532829/", "x_url": "https://twitter.com/BukuWarung_", "fb_url": "https://www.facebook.com/bukuwarung", "cb_url": null, "github_url": "https://github.com/bukuwarung", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea907a1b87549241f7b6d528f2704f3c3341d802.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/49/1598380715609-hg6xp8zgodl-be17e0b58daad715fb2ceb0547f90eb5/233ad35a22a9e4288af36c284825d21d.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022650Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=cc72e19ca4361c66ce58da6793135feb9559310a30f0abe84e2dc6e0a5a8e1bd", "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 489979, "full_name": "Abhinay Peddisetty", "title": "Founder", "founder_bio": "Building Digital Infrastructure for MSMEs in Indonesia with BukuWarung, starting with a simple accounting app for bookkeeping. My experience is across building and scaling early to late stage internet companies (seed to series D) across SEA and India, where I built growth, partnerships and revenue teams.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abh1nay/", "x_url": "https://twitter.com/abh1nay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c75b4dab3aaa614e9665339d1e80aec8ebdd9110.jpg" } ], "jobs": [], "news": [ { "title": "BukuWarung, a fintech for Indonesian MSMEs, scores $60M Series A led by Valar and Goodwater – TechCrunch", "url": "https://techcrunch.com/2021/06/09/bukuwarung-a-fintech-for-indonesian-msmes-scores-60m-series-a-led-by-valar-and-goodwater/", "date": "Jun 09, 2021" }, { "title": "BukuWarung, a startup digitizing Indonesia's SMEs, raises new funding from Rocketship.vc • TechCrunch", "url": "https://techcrunch.com/2021/02/02/bukuwarung-a-startup-digitizing-indonesias-smes-raises-new-funding-from-rocketship-vc/", "date": "Feb 02, 2021" }, { "title": "Indonesian fintech startup BukuWarung gets new funding to add financial services for small merchants • TechCrunch", "url": "https://techcrunch.com/2020/09/28/indonesian-fintech-startup-bukuwarung-gets-new-funding-to-add-financial-services-for-small-merchants/", "date": "Sep 28, 2020" }, { "title": "Meet BukuWarung, the bookkeeping app built for Indonesia's 60 million \"micromerchants\" • TechCrunch", "url": "https://techcrunch.com/2020/07/02/meet-bukuwarung-the-bookkeeping-app-built-for-indonesias-60-million-micro-merchants/", "date": "Jul 02, 2020" } ], "launches": [] }, { "id": 21988, "name": "Balance", "slug": "balance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0f140790f5129a38a1edf2e297434c283bb0ca7c.png", "website": "https://www.getbalance.com", "all_locations": "San Francisco, CA, USA", "long_description": "Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.", "one_liner": "The first digital payment experience company, built for B2B. ", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1605004517, "tags": [ "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "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/balance", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/balance.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getbalance", "x_url": "https://twitter.com/GetBalanceHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/balance-98c2", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0f140790f5129a38a1edf2e297434c283bb0ca7c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 502419, "full_name": "Bar Geron", "title": "Founder", "founder_bio": "Part philosopher part industrial engineer.\nFintech&Healthcare IT founder.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bar-geron-76b87270", "x_url": "https://twitter.com/bar_geron", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/023b12d21b664007e53128cfbb38b9fc768634b2.jpg" }, { "user_id": 502808, "full_name": "Yoni Shuster", "title": "Founder", "founder_bio": "Scientist at heart and a father of two. Founder of Balance, where I'm reinventing the B2B online purchase journey.\n\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yoni-shuster/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b65d4cf4ea3058683d581e95b1d5a994c6378a99.jpg" } ], "jobs": [], "news": [ { "title": "Balance raises $56M to tip the one-click checkout scales in favor of B2B merchants – TechCrunch", "url": "https://techcrunch.com/2022/07/26/balance-56m-one-click-checkout-b2b-merchants/", "date": "Jul 26, 2022" }, { "title": "Balance raises $25M in a Ribbit Capital-led Series A to grow its ‘consumer-like B2B checkout platform’ – TechCrunch", "url": "https://techcrunch.com/2021/08/25/balance-raises-25m-in-a-ribbit-capital-led-series-a-to-grow-its-consumer-like-b2b-checkout-platform/", "date": "Aug 25, 2021" } ], "launches": [] }, { "id": 22022, "name": "Memberstack", "slug": "memberstack", "former_names": [ "Memberstack Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f928c1bbbe5bb0fb2a114872be6bf1ee17a9f0d.png", "website": "https://www.memberstack.com", "all_locations": "Williamsburg, VA, USA; Remote", "long_description": "3,000 companies have generate over 130 million dollars in recurring revenue. \r\n\r\nCompanies like American Airlines, Slack, Entreprenuer.com, Webflow, and reddit use Memberstack to serve millions of members every single day.\r\n\r\nNo code if you need it, tons of APIs if you need those, and 100% design control so that you can build any frontend. ", "one_liner": "Build a custom SaaS or membership site with Webflow or Wordpress", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1598995864, "tags": [ "Developer Tools", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "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/memberstack", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/memberstack.json", "year_founded": 2018, "city": "Williamsburg", "country": "US", "linkedin_url": "https://www.linkedin.com/company/memberstack/", "x_url": "https://twitter.com/Memberstack", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f928c1bbbe5bb0fb2a114872be6bf1ee17a9f0d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 372593, "full_name": "Duncan Hamra", "title": "Founder", "founder_bio": "I love to build things. Currently converting a van into a tiny home when I'm not working on Memberstack.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/duncanhamra", "x_url": "https://twitter.com/DuncanHamra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60b56a48b8352a5ef2f7a8ee5ce660af1e957603.jpg" }, { "user_id": 488530, "full_name": "Tyler Bell", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tyler-bell-129711158/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7f005f9cf7674eabbe49a432a75bb249e28ca358.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22152, "name": "Afriex", "slug": "afriex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8db23c586149f6e05d32286d54acbfed108a0c15.png", "website": "https://www.afriexapp.com", "all_locations": "San Francisco, CA, USA", "long_description": "Afriex makes it easy for immigrants to send money home. We offer instant, low-fee remittances to over 25 countries around the world.", "one_liner": "Instant, low-fee remittances", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1596395977, "tags": [ "Payments", "Remittances" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "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/afriex", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/afriex.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/afriexapp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8db23c586149f6e05d32286d54acbfed108a0c15.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 110342, "full_name": "Tope Alabi", "title": "Founder", "founder_bio": "Co-founder at afriexapp.com", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/topealabi", "x_url": "https://twitter.com/topealabi_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/db167e107d02de914fac68e19868fcba0c3fd583.jpg" }, { "user_id": 424146, "full_name": "John Obirije", "title": "Founder", "founder_bio": "Co-Founder & CTO, Afriex", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/obirije-john-a2403310a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/64a8f6d339b8e29f8aa40f365e35035a842e05ab.jpg" } ], "jobs": [ { "id": 89300, "title": "Senior React Native Performance Engineer", "url": "https://www.ycombinator.com/companies/afriex/jobs/4VtOnnB-senior-react-native-performance-engineer", "location": "Remote", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$100K - $120K", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Android", "iOS", "React Native" ] } ], "news": [], "launches": [] }, { "id": 22581, "name": "Atrato", "slug": "atrato", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2eb43ccb3094d71c256104d56a6bb710a42b9682.png", "website": "https://www.atratopago.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Enabling merchants and consumers to offer flexibility at the point of sale\r\n", "one_liner": "Enabling consumers split the cost of purchases without a credit card", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614706914, "tags": [ "Fintech", "Payments", "Consumer Finance" ], "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/atrato", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/atrato.json", "year_founded": 2019, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/36015694", "x_url": "https://twitter.com/atratopago", "fb_url": "https://www.facebook.com/atratopago", "cb_url": "https://www.crunchbase.com/organization/atrato-pago", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2eb43ccb3094d71c256104d56a6bb710a42b9682.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 360287, "full_name": "Juan Casian", "title": "Ex-CEO & Co-founder (Previously CTO)", "founder_bio": "I’m the Co-Founder and CEO of Boom, where we’re building the AI employee layer for e-commerce: virtual agents that help brands close more sales by automating customer interactions. Before this, I dropped out of college to build Atrato (YC W21), one of Latin America’s leading Buy Now Pay Later companies, which I scaled from 0 to ~$20M in annualized revenue before it was acquired. I started as CTO and became CEO, which made learn how to sell, lead, and scale.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/juancasian/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/665d76d7f8d42223d0762ac9ed7d3caa0854af19.jpg" }, { "user_id": 349794, "full_name": "Roger Rea", "title": "Founder", "founder_bio": "I co-founded and served as the CEO of Atrato. I helped the company grow from an idea while I was in college to a leading BNPL and payment solution in Mexico with +$20M in funding, millions of dollars in revenue and dozens of employees.", "is_active": false, "linkedin_url": "https://linkedin.com/in/rogeliorea", "x_url": "https://twitter.com/rogereur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc37b9fbf98ed57b1c4b58556878e4b135af0557.jpg" }, { "user_id": 361947, "full_name": "Alejandro Chavez", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/alejandro-chavez/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/108f6fa2f8cf81565385b97a38fc2a4279943884.jpg" } ], "jobs": [], "news": [ { "title": "Atrato | Un nuevo trato para las compras alejadas de los bancos", "url": "https://www.forbes.com.mx/atrato-un-nuevo-trato-para-las-compras-alejadas-de-los-bancos/", "date": "Feb 15, 2022" }, { "title": "La fintech Atrato consigue 15 mdd en deuda; agilizará su sistema 'buy now, pay later'", "url": "https://www.forbes.com.mx/fintech-atrato-15-mdd-deuda-agilizara-sistema-buy-now-pay-later/", "date": "Sep 02, 2021" } ], "launches": [] }, { "id": 22705, "name": "JoinSub", "slug": "joinsub", "former_names": [ "Splitsub", "Splitsub Inc.", "Splitsub" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f6311ab798c568114d69f91d489b612d220383d.png", "website": "https://joinsub.com", "all_locations": "Delhi, DL, India; Palo Alto, CA, USA; Remote", "long_description": "We, at JoinSub, are empowering the Indian small and medium retailers to drive repeat purchases & maximize their revenue by building a subscription-based model. \r\n\r\nIndia has over 14 million retail outlets, and we are poised to revolutionize the Retail Sector and enhance the buying experience both for retailers and consumers. We are dedicated to co-creating a community of futuristic retailers who are ready to embrace tech for growth.\r\n\r\nOur Subscription Programs work wonderfully for everyone who is looking to drive repurchases, right from those in the F&B industry, to Salons, Nail Salons, Spas, Gyms, Yoga & Dance Studios, Coffee Shops, Bakeries, Dry Cleaners, Florists, etc. We can help you delight your consumers and accelerate your business, the JoinSub Way!", "one_liner": "India's first aggregator and provider of local business subscriptions", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614962748, "tags": [ "Fintech", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "United States of America", "South Asia", "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/joinsub", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/joinsub.json", "year_founded": 2021, "city": "Delhi", "country": "IN", "linkedin_url": "https://in.linkedin.com/company/joinsub", "x_url": "https://twitter.com/myjoinsub", "fb_url": "https://www.facebook.com/joinsubs", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f6311ab798c568114d69f91d489b612d220383d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 347319, "full_name": "Dhruv Goel", "title": "Co-Founder / CEO", "founder_bio": "Engineer by choice and MBA from ESADE Business School, Spain. Repeat founder working on a group buying app for digital consumer goods. Love to drive cars and travel.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/goeldhruv90", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/689662a4320149b8a9d03b531b908bac44c03634.jpg" }, { "user_id": 512105, "full_name": "Ankur Solanki", "title": "Founder", "founder_bio": "After earing my B,Tech from NSIT, Delhi University, I worked in the healthcare industry for few years. To gain global experience i pursued my MBA from ESADE business school and cofounded my first start up in healthcare space during it. With the same founding team, we started Splitsub to solve the common issue we all face with subscriptions.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ankur-solanki", "x_url": " https://x.com/ankursolanki_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ed0a79c2030bfb1d6f7156dba40ed30f188d1d0.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22763, "name": "Hyper", "slug": "hyper", "former_names": [ "Meta Labs", "Frenzy", "Meta Labs", "Hyper", "Querydog" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6b5b4dc192937ad7fbefffc9995a3938e1304f.png", "website": "https://hyper.co", "all_locations": "San Francisco, CA, USA; Palo Alto, CA, USA", "long_description": "", "one_liner": "Sell memberships to your Discord server", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1629323132, "tags": [ "SaaS", "Payments", "Community" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "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/hyper", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/hyper.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/HyperHQ", "fb_url": null, "cb_url": null, "github_url": "https://github.com/hyper", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6b5b4dc192937ad7fbefffc9995a3938e1304f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 580981, "full_name": "Ben Botvinick", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/botv", "x_url": "https://twitter.com/benbotvinick", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19f2591b9e33eb2f48d8772baa729ef4c7a00815.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22833, "name": "Lendflow", "slug": "lendflow", "former_names": [ "Lendflow", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e4d17532ffa99531ffd5aab036f25518126619a.png", "website": "https://lendflow.com", "all_locations": "Austin, TX, USA", "long_description": "We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.", "one_liner": "Embedded lending infrastructure for software companies", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614708691, "tags": [ "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "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/lendflow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/lendflow.json", "year_founded": 2019, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/lendflow/", "x_url": "https://twitter.com/lendflowio?lang=en", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/lendflow", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e4d17532ffa99531ffd5aab036f25518126619a.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": 395593, "full_name": "Jon Fry", "title": "Founder", "founder_bio": "Founded ChannelGrowth in 2014, we specialized in small business customer acquisition for the alternative lending industry. We originated $150+ million over the past 5 years. Launched Quicklinecredit in 2017, which was our own integral micro funding product, where we built software for each stage of the lending process. Launched Lendflow in 2019.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonfrysales/", "x_url": "https://twitter.com/jfrytx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0555823c9f9a0289a54f8c0f69650cc065e90a0.jpg" }, { "user_id": 642865, "full_name": "Matthew Watts", "title": "Founder", "founder_bio": "Matthew is co-founder of Lendflow and plays a leading role in driving key strategic initiatives and innovation across all engineering teams and the core business. Prior to joining Lendflow, Matthew oversaw teams at SpendHQ and directly leverages this expertise at Lendflow. In his free time he works as a volunteer for the National Park Service. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thewatts/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8178149b499cd39e7252735b2d616056a2a3136c.jpg" } ], "jobs": [], "news": [ { "title": "Lendflow Secures $10.8 mln In Series A Funding To Accelerate Fintech Industry’s Growth - Grit Daily News", "url": "https://gritdaily.com/lendflow-secures-10-8-mln-in-series-a-funding-to-accelerate-fintech-industrys-growth/", "date": "Oct 13, 2021" } ], "launches": [] }, { "id": 22836, "name": "Fintoc", "slug": "fintoc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/27ef60db6369b4ee0c99d323d0fa1867306102b9.png", "website": "https://fintoc.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "Account-to-Account payments in Mexico and Chile. ", "one_liner": "Account-to-Account payments in Mexico and Chile.", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614746222, "tags": [ "Developer Tools", "Fintech", "SaaS", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/fintoc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/fintoc.json", "year_founded": 2020, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/fintoc", "x_url": "https://twitter.com/_fintoc", "fb_url": "https://www.instagram.com/fintoc_com", "cb_url": "https://www.crunchbase.com/organization/fintoc", "github_url": "https://github.com/fintoc-com", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/27ef60db6369b4ee0c99d323d0fa1867306102b9.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": 532946, "full_name": "Cristóbal Griffero", "title": "Founder", "founder_bio": "CS Engineer from Chile 🇨🇱.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/griffero/", "x_url": "https://twitter.com/cgriffero", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d273dc88c27c075cc3da2e20bac71e16dc77294.jpg" }, { "user_id": 341587, "full_name": "Lukas Zorich", "title": "Founder", "founder_bio": "Software engineer from Chile. In one of my previous startups, I spent a lot of time manually verifying bank transfer payments. Frustrated by the fact that we couldn't write a program that could simply tell me how much money I have in my bank account, we decided to build a banking API ourselves.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lezorich/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3728155e68dc2103d279add8e8ec66f71209a7af.jpg" } ], "jobs": [], "news": [ { "title": "Chilean instant payments API startup Fintoc raises $7 million to turn Mexico into its main market | TechCrunch", "url": "https://techcrunch.com/2024/04/25/fintoc-a2a-payments-chile-mexico/", "date": "Apr 25, 2024" } ], "launches": [] }, { "id": 22844, "name": "Kodo", "slug": "kodo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac7360082e93204b811c88cc621106bc792d0f80.png", "website": "https://www.kodo.com", "all_locations": "MH, India", "long_description": "", "one_liner": "Corporate card & spend management platform for Indian startups", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614619355, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "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/kodo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/kodo.json", "year_founded": 2019, "city": null, "country": "IN", "linkedin_url": "https://www.linkedin.com/company/kodocard/", "x_url": "https://twitter.com/kodocard", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac7360082e93204b811c88cc621106bc792d0f80.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": 556421, "full_name": "Deepti Sanghi", "title": "Founder", "founder_bio": "Building Kodo", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/deeptisanghi/", "x_url": "https://twitter.com/deeptisanghi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9b20e3a6351b2d952c13fe39440bfc53aca023b.jpg" } ], "jobs": [ { "id": 63317, "title": "QA (SDET)", "url": "https://www.ycombinator.com/companies/kodo/jobs/6l4UsDe-qa-sdet", "location": "Mumbai, MH, IN / Pune, MH, IN", "type": "Full-time", "role": "Engineering", "role_type": "QA engineer", "salary_range": "₹1.2M - ₹2.8M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Software Security" ] }, { "id": 78471, "title": "DevOps Engineer", "url": "https://www.ycombinator.com/companies/kodo/jobs/99ApiVR-devops-engineer", "location": "Mumbai, MH, IN / Mumbai, Maharashtra, IN", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "₹1.5M - ₹2.5M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] }, { "id": 92342, "title": "Senior AI Engineer", "url": "https://www.ycombinator.com/companies/kodo/jobs/iJfJWnN-senior-ai-engineer", "location": "Mumbai, MH, IN / Mumbai, Maharashtra, IN", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "₹2M - ₹3.5M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Natural Language Processing" ] }, { "id": 97637, "title": "Legal & Compliance Manager", "url": "https://www.ycombinator.com/companies/kodo/jobs/eXzSZrX-legal-compliance-manager", "location": "Mumbai, MH, IN / Mumbai, Maharashtra, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "$1M - $1.5M", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Y Combinator-backed startup Kodo is simplifying expenses for the likes of Groww, MobiKwik, Epigamia", "url": "https://yourstory.com/herstory/2022/04/y-combinator-startup-kodo-simplifying-finance", "date": "Apr 17, 2022" } ], "launches": [] }, { "id": 22853, "name": "Udhaar App", "slug": "udhaar-app", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c65e57759d0ba9c7f2f132cd48a606ba9a1bb245.png", "website": "https://udhaar.pk/", "all_locations": "Karachi, Sindh, Pakistan; Sindh, Pakistan", "long_description": "We are a simple book-keeping app, to help 30M micro SMEs run their finances digitally.\r\n\r\nI was visiting Pakistan. 1-day, asked our local store owner on plans for his next location. His response, 'never'. \r\n\r\nSince business operations & money flow are manual, he worked 16 hours / 7 days to minimize theft. Zero time with family. We got obsessed with identifying how we can help small business owners run their business and have a life. \r\n\r\nEverything in Pakistan is manual, store credit, sales, purchasing inventory, cash management, tax filings, payments, etc.\r\n\r\nThis idea got us hooked as it allows us to build a large company and have a huge impact on ~30M small businesses in Pakistan that contribute 74% of the overall GDP.\r\n\r\nExplosion in 4G adoption (91M 4G subscribers, 720% growth in 5 years), is helping drive product market fit:\r\ni. >1M downloads\r\nii. 4.6 star rating on Playstore & Appstore\r\niii. MAUs & GTV: get in touch :)", "one_liner": "We're Khatabook / OkCredit for Pakistan", "team_size": 32, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1615201342, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/udhaar-app", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/udhaar-app.json", "year_founded": 2020, "city": "Karachi", "country": "PK", "linkedin_url": "", "x_url": "", "fb_url": "https://www.facebook.com/udhaarpk/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c65e57759d0ba9c7f2f132cd48a606ba9a1bb245.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 582689, "full_name": "Fahad Kamr", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fahadk/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c5ca081868f0f9e3de59e4d13d6ade5a05534b9b.jpg" }, { "user_id": 593998, "full_name": "Shahjahan Warraich", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shahw/", "x_url": "https://twitter.com/shahjahanw", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/399435e470c33bd5f49de4da1512740f0ac3208a.jpg" } ], "jobs": [], "news": [ { "title": "Udhaar Book Raises Funds to Digitize Pakistan’s Retail Shops", "url": "https://www.bloomberg.com/news/articles/2021-11-07/pakistan-s-fintech-looking-to-digitize-small-stores-raises-funds", "date": "Nov 08, 2021" } ], "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": 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. I Studied at HBS and MIT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gerardo-briones-58000813/", "x_url": "https://twitter.com/Briones2", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b6b6df306ae67aac221ec149d2dbc845e3600a6.jpg" }, { "user_id": 600025, "full_name": "Carlos Cruz", "title": "Founder", "founder_bio": "+10 year experience in Software / Product development Tech Manager. \nThird time as a Tech Startup CTO. \nMBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carlos--cruz", "x_url": "https://www.twitter.com/soychuck", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/500ed6da33eb2866e891f7e06287291952ee2106.jpg" }, { "user_id": 488309, "full_name": "LUIS FERNANDO DOSAL G", "title": "Founder", "founder_bio": "15+ Year experience serial entrepreneur\nChemical Engenieer\nExecutive education in HBS", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a843f201c73c2b2ed420f6bef8ebdfa867da371f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23435, "name": "Cheqout", "slug": "cheqout", "former_names": [ "Cheqout Payments Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8ff762d9008ae52914e56724b09462b7d75da5e7.png", "website": "https://cheqout.com", "all_locations": "San Francisco, CA, USA", "long_description": "Cheqout is a mobile POS for brick & mortar businesses that allows waiters and retail workers to take or accept orders & payments. You can think of it as a hybrid of the Apple Store and WeChat Pay, with both staff and customers using their own devices to facilitate the transaction through QR codes.", "one_liner": "Mobile ordering & payments for Brick & Mortars", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614763531, "tags": [ "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "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/cheqout", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/cheqout.json", "year_founded": 2020, "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/8ff762d9008ae52914e56724b09462b7d75da5e7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 652620, "full_name": "David Rincon-Cruz", "title": "Founder", "founder_bio": "Founder and Head of Engineering at Cheqout. I was formerly a software engineer at Airbnb, on the China-Risk team where I worked on both android and ML-based clustering methods to deter and prevent bad actors on the platform, specifically focused on traffic from China.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/davidrinconcruz/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d382819184f57964ff724ba6316cdd78270af971.jpg" }, { "user_id": 199337, "full_name": "Tom Sharon", "title": "Founder", "founder_bio": "Founder & COO at Cheqout. Ex Google PM. ", "is_active": false, "linkedin_url": "https://linkedin.com/in/tomsharon93", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f46986bcddb5b563da98bc65ee7ff318a932a625.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23453, "name": "HUBUC", "slug": "hubuc", "former_names": [ "B2B FINTECH SOLUTIONS SL" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/94c72c8322619fc4fcd30c21ff401c545be7dc70.png", "website": "https://www.hubuc.com/", "all_locations": "Barcelona, CT, Spain; London, England, United Kingdom", "long_description": "HUBUC P1 is a lightning-fast global card issuing and processing engine.\r\n\r\nWe call this incredible machine P1 because it's fast, lean, and innovative.\r\n\r\nWe believe it's the best, and you should take it for a test drive here: https://www.hubuc.com/", "one_liner": "Global Card Issuing and Payment Processing Engine", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1615725925, "tags": [ "Fintech", "Payments", "B2B", "API", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Spain", "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/hubuc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/hubuc.json", "year_founded": 2020, "city": "Barcelona", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/hubuc", "x_url": "https://twitter.com/hubuchq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/hubuc", "github_url": "https://github.com/hubuc", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/94c72c8322619fc4fcd30c21ff401c545be7dc70.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d36ca5acaa5362b4e932938bc777aecdbef15c94.png" ], "primary_partner": null, "founders": [ { "user_id": 411555, "full_name": "Hasan Nawaz", "title": "Founder", "founder_bio": "With over 10 years of experience in software engineering and solutions architecture, I am passionate about creating innovative and scalable products that solve real-world problems. \n\nAs CEO of HUBUC, I led a team to build a lightning-fast global Card Issuing and Processing engine certified with MasterCard.\n\nBefore HUBUC, I co-founded and co-led PIGARI, a Corporate debit card solution for SMEs and freelancers that automates expense management and eliminates paper receipts.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hasannawaz/", "x_url": "https://twitter.com/MrHasanNawaz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/324a431e0ff8076c0f5c8ce9fa658ec14397cb56.jpg" }, { "user_id": 411505, "full_name": "Ignacio Javierre", "title": "Founder", "founder_bio": "Ignacio worked in the financial services and other industries as a strategy consultant at PwC and KPMG.\n\nSince 2018 together with Hasan Nawaz, he has been working in fintech: granted access to the regulatory sandbox of the Central Bank of Bahrain, launched a QR payments app in Spain and later a neobank for european SMBs.\n\nToday, Ignacio is democratizing the access to financial services as co-founder of HUBUC - a global platform enabling companies to embed fintech capabilities into their offering", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ignaciojavierre/", "x_url": "https://twitter.com/ignajavierre", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/16f8026d58185a3be9af741ab3627357d028d537.jpg" } ], "jobs": [], "news": [ { "title": "HUBUC Launches P1, a global card issuing and processing engine, becoming a Mastercard Network Enablement Partner | Morningstar", "url": "https://www.morningstar.com/news/business-wire/20230213005654/hubuc-launches-p1-a-global-card-issuing-and-processing-engine-becoming-a-mastercard-network-enablement-partner", "date": "Feb 15, 2023" }, { "title": "HUBUC joins Mastercard Fintech Express program fostering innovation in the Fintech and B2B SaaS sectors in Europe | Mastercard Newsroom", "url": "https://www.mastercard.com/news/europe/en/newsroom/press-releases/en/2021/september/hubuc-joins-mastercard-fintech-express-program-fostering-innovation-in-the-fintech-and-b2b-saas-sectors-in-europe/", "date": "Oct 27, 2022" }, { "title": "Jeffrey Katzenberg backs the $10M Seed round for HUBUC’s embedded finance API – TechCrunch", "url": "https://techcrunch.com/2022/02/24/jeffrey-katzenberg-backs-the-10m-seed-round-for-hubucs-embedded-finance-api/", "date": "Feb 24, 2022" } ], "launches": [] }, { "id": 23645, "name": "Flux", "slug": "flux-2", "former_names": [ "Blueloop" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a0fc23e62bbe4d36af07ab93903e299d59ef9e1.png", "website": "https://iflux.app", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "We are building Flux- Flux is a Mobile App for merchants, freelancers, regular users(P2P) to make and accept payments from their customers anywhere in the world using crypto or fiat.\r\nWe have built a mobile app that uses the merchants’ phone number, creates a wallet enabling them to receive payments in crypto or fiat without having to go to an exchange or pay expensive fees. 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. This is why we are building Flux", "one_liner": "Cross border Payments infrastructure for internet businesses and…", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1633034159, "tags": [ "DeFi", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "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/flux-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/flux-2.json", "year_founded": 2020, "city": "Lagos", "country": "NG", "linkedin_url": "", "x_url": "https://Twitter.com/ifluxdotapp", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/blueloop-162e", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a0fc23e62bbe4d36af07ab93903e299d59ef9e1.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": 356774, "full_name": "Ben Eluan", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ben-eluan", "x_url": "https://twitter.com/elzibs", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d94cf3796cba411e4cc0dda42806e3247d3efece.jpg" }, { "user_id": 541369, "full_name": "Israel Akintunde", "title": "Founder", "founder_bio": "VP of Engineering", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/israel-akintunde-a0b801134/", "x_url": "https://twitter.com/____grandmaster", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9490321d2612e016f06d6fe09b2552b32a66f965.jpg" }, { "user_id": 461028, "full_name": "Osezele Orukpe", "title": "Founder", "founder_bio": "C.T.O @ Blueloop Inc", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/osezele-orukpe-1a37a9167/", "x_url": "https://twitter.com/__warchief", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/146afb37197ebd83a876079328763aacddaca5db.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23776, "name": "Palla", "slug": "palla", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f1d92ba064533486991db02e1726ce77eae0eba.png", "website": "https://www.palla.com", "all_locations": "Remote", "long_description": "Palla enables instant P2P payments from the US to other countries, a $65BN a year market. Sending and receiving remittances today is slow, time consuming and inconvenient for all parties, as it's a mostly cash based process. With Palla, senders in the US can do it in a few taps of their phone and receivers get their money in seconds. ", "one_liner": "P2P Cross border payments", "team_size": 22, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626880377, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "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/palla", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/palla.json", "year_founded": 2020, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/palla-financial/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f1d92ba064533486991db02e1726ce77eae0eba.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": 694990, "full_name": "Enrique Perezalonso", "title": "Founder", "founder_bio": "Enrique has over 25 years of experience in traditional FIs and Fintech companies, managing marketing, product, operations and sales functions. 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. Morgan | by Lawrence Lin Murata | Slope Stories | Jul, 2024 | Medium", "url": "https://medium.com/slope-stories/slope-announces-new-round-of-funding-from-j-p-morgan-070b204f2ac3", "date": "Jul 17, 2024" }, { "title": "Payments Startup Slope Raises $30 Million From Sam Altman And Others To Ramp Up AI Tools", "url": "https://www.forbes.com/sites/alexyork/2023/09/27/payments-startup-slope-raises-30-million-from-sam-altman-and-others-to-ramp-up-ai-tools/", "date": "Sep 27, 2023" }, { "title": "Inside Silicon Valley Bank's bet on buy now/pay later for businesses | PaymentsSource | American Banker", "url": "https://www.americanbanker.com/payments/news/inside-silicon-valley-banks-bet-on-buy-now-pay-later-for-businesses", "date": "Sep 30, 2022" }, { "title": "Slope brings on new CFO, customers, capital as it rises to offer businesses buy now, pay later – TechCrunch", "url": "https://techcrunch.com/2022/04/15/slope-series-a-buy-now-pay-later-b2b-payments/", "date": "Apr 15, 2022" }, { "title": "Slope takes in first capital with visions of being ‘Stripe for global B2B payments’ – TechCrunch", "url": "https://techcrunch.com/2021/11/22/slope-stripe-for-global-b2b-payments/", "date": "Nov 22, 2021" } ], "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": 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. By streamlining the acceptance of government assistance payments and helping SNAP shoppers save on groceries, Forage aims to empower merchants and consumers alike to foster a more inclusive economy.​" } ], "url": "https://www.ycombinator.com/companies/forage-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/forage-2.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/foragepayments/", "x_url": "https://twitter.com/joinforage", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/forage", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/23991b3eac1d06368b01c2f9ce5b893ba315f039.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1dbd255f2d77c79ada5f26bb63e9b34e1ce2a014.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 431624, "full_name": "Victor E. Fimbres", "title": "Founder/CTO", "founder_bio": "product & engineering", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/victorefimbres/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/33e7369dcd65933e57b30d7a52a48b19e18eaa7f.jpg" } ], "jobs": [ { "id": 108087, "title": "General Manager, In-Store", "url": "https://www.ycombinator.com/companies/forage-2/jobs/XZzFiGg-general-manager-in-store", "location": "San Francisco, United States / New York, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $230K", "equity_range": "0.06% - 0.08%", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 109281, "title": "Infrastructure Engineer", "url": "https://www.ycombinator.com/companies/forage-2/jobs/QdsHh1j-infrastructure-engineer", "location": "San Francisco, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$160K - $180K", "equity_range": "0.05% - 0.08%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Python" ] }, { "id": 114821, "title": "Senior Backend Engineer ", "url": "https://www.ycombinator.com/companies/forage-2/jobs/Vev1CWe-senior-backend-engineer", "location": "San Francisco, United States / New York, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$185K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114822, "title": "Senior Software Engineer, Mobile (React Native)", "url": "https://www.ycombinator.com/companies/forage-2/jobs/a5ITZvh-senior-software-engineer-mobile-react-native", "location": "New York, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$185K - $210K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [ "React Native" ] }, { "id": 114823, "title": "Fullstack Software Engineer", "url": "https://www.ycombinator.com/companies/forage-2/jobs/wT4xyIO-fullstack-software-engineer", "location": "San Francisco, United States / New York, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$145K - $195K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 115418, "title": "New Grad, Software Engineer ", "url": "https://www.ycombinator.com/companies/forage-2/jobs/eB100Rk-new-grad-software-engineer", "location": "San Francisco, United States / New York, United States", "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": 115419, "title": "Founding Engineer, Financial Products ", "url": "https://www.ycombinator.com/companies/forage-2/jobs/bgnpRvn-founding-engineer-financial-products", "location": "San Francisco, United States / New York, United States", "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": 117035, "title": "Growth Marketing Manager", "url": "https://www.ycombinator.com/companies/forage-2/jobs/b84aHKH-growth-marketing-manager", "location": "San Francisco, United States / New York, United States", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "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": 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": 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. ", "one_liner": "Modern Checkout Platform for D2C brands in Southeast Asia", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1628016021, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/arrow", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/arrow.json", "year_founded": 2020, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/arrowcheckout", "x_url": "", "fb_url": "https://www.facebook.com/CheckoutwithArrow", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b961a8c07c7968b9cb9e1c4af18ee0b3b43ac35.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 749921, "full_name": "Liat Beng Neo", "title": "Founder", "founder_bio": "I've been in the Fintech and payments space for the last few years; Previously based in Hong Kong / Shenzhen to build out Tencent's Global Fintech initiatives, launched Grabpay in SEA markets, covered Vietnam during my time at Alipay and was part of the amazing team at helloPay before the acquisition by Ant Financial.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/liatbeng/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b4da9035d4d36357099446db183607a3c8793454.jpg" }, { "user_id": 797696, "full_name": "Sudhan Raj", "title": "Founder", "founder_bio": "Computer Engineering graduate from NTU, Singapore. Has been actively coding for almost 2 decades across a dozen programming languages. Built Popcorn (#1 Movie Showtime app) together with the founder from scratch and scaled it across 6 countries in SEA. Co-founded Cornflix.TV, an online television network with over 600 channels, and raised 6 figures in investment from 500 Startups.\n\nBelieves in one mantra \"Make technology work for you!\"", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sudhan-raj/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4d769bfb50466fedfe7dfb83b53c8aa16d92f5fe.jpg" }, { "user_id": 728667, "full_name": "Sebastian Roervig", "title": "Founder", "founder_bio": "Sebastian is from Denmark, but currently living in Singapore. Spend the last +three years at Grab Financial building out its different payment use cases. Worked for for Daraz (Alibaba) in Pakistan looking at e-commerce payments, and before that, living in Philippines and Silicon Valley working for Abra (a crypto currency company).\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sebastianroervig/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3eb797d3558f3fb20cecdc7b64b18a3926baa485.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). It is regulated across six markets and backed by leading global investors, including Tiger Global, Y Combinator, Global Founders Capital, and HOF Capital.", "one_liner": "Full-stack payments infrastructure for growing APAC businesses", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1627395951, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "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/hitpay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/hitpay.json", "year_founded": 2016, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/hit-pay", "x_url": "https://www.twitter.com/officialhitpay", "fb_url": "https://www.facebook.com/HitPaynow/", "cb_url": "https://www.linkedin.com/company/hit-pay", "github_url": "https://github.com/hit-pay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4b949ac3131bfb2ed68d424a5df1c9a1eea5c64.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5a26b3c627c62be7802a955dee616a16169fa3b1.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 692679, "full_name": "Aditya Haripurkar", "title": "Founder", "founder_bio": "I co-founded HitPay in 2016 to fix something that shouldn't be hard for a small business: getting paid.\nToday HitPay is the all-in-one payments and commerce platform for 15,000+ SMEs across Southeast Asia — accept payments online, in-store and on invoices, send payouts, and run the whole business from one dashboard. We're a Y Combinator (S21) company, a MAS FinTech Award finalist, and in 2026 were named among the world's leading fintech companies by CNBC / Statista. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adityaharipurkar/", "x_url": "https://x.com/ah2484", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73db58d92318c2e1457681994153880a97f498a3.jpg" }, { "user_id": 734792, "full_name": "Nitin Muthyala", "title": "Founder", "founder_bio": "Nitin has a background in software engineering. He graduated from the National University of Singapore (NUS) and worked at a cybersecurity startup in Singapore before joining DBS Bank. ", "is_active": true, "linkedin_url": "http://linkedin.com/in/nitinmuthyala/", "x_url": "https://twitter.com/nenuNitin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1ee756419395aeca3387356ffaa34bee9aba8b14.jpg" } ], "jobs": [ { "id": 106315, "title": "Financial Controller – HitPay", "url": "https://www.ycombinator.com/companies/hitpay/jobs/ZbbQgwm-financial-controller-hitpay", "location": "SG / MY / Remote (SG; MY)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$2K - $8K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 109946, "title": "AML/CTF Compliance Officer (MLRO), Australia", "url": "https://www.ycombinator.com/companies/hitpay/jobs/dAx8SqD-aml-ctf-compliance-officer-mlro-australia", "location": "Sydney, Australia / Melbourne, Australia / Australia / Remote", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$7K - $11K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 116372, "title": "Head of Growth & Operations", "url": "https://www.ycombinator.com/companies/hitpay/jobs/GuSEIgN-head-of-growth-operations", "location": "SG", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$6K - $12K / monthly", "equity_range": "0.10% - 0.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116373, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/hitpay/jobs/BUVfdom-account-executive", "location": "SG", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$3K - $6K / monthly", "equity_range": "0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116374, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/hitpay/jobs/iBJVGvf-account-executive", "location": "Kuala Lumpur, Federal Territory of Kuala Lumpur, MY / Remote (MY)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$1K - $3K / monthly", "equity_range": "0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116375, "title": "Senior Account Executive, Business Finance (CFO Stack) — Singapore", "url": "https://www.ycombinator.com/companies/hitpay/jobs/0G1E8cM-senior-account-executive-business-finance-cfo-stack-singapore", "location": "SG", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$4K - $8K / monthly", "equity_range": "0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "HitPay Gets In-Principle Nod for Payment License in Singapore - Fintech Singapore", "url": "https://fintechnews.sg/89197/payments/hitpay-gets-in-principle-nod-for-payment-license-in-singapore/", "date": "Feb 25, 2024" }, { "title": "\n\tHitPay introduces Tap to Pay on iOS in several countries - ThePaypers\n", "url": "https://thepaypers.com/mobile-payments/hitpay-introduces-tap-to-pay-on-ios-in-several-countries--1266111", "date": "Jan 08, 2024" }, { "title": "HitPay Unveils Mass Payouts for Businesses in Southeast Asia | PYMNTS.com", "url": "https://www.pymnts.com/news/payment-methods/2023/hitpay-unveils-mass-payouts-for-businesses-in-southeast-asia/", "date": "Dec 11, 2023" }, { "title": "\r\n\tHitPay partners with GCash - ThePaypers\r\n", "url": "https://thepaypers.com/online-payments/hitpay-gcash-to-extend-payment-options-for-philippine-merchants--1264839", "date": "Oct 10, 2023" }, { "title": "\tHitPay teams up with BillEase to enable BNPL for SMEs - ThePaypers", "url": "https://thepaypers.com/online-payments/hitpay-teams-up-with-billease-to-enable-bnpl-for-smes--1260482", "date": "Feb 23, 2023" } ], "launches": [] }, { "id": 24557, "name": "Dots 💸", "slug": "dots-2", "former_names": [ "Dots", "Dots" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ef214a749c163e81772f2ba192fdf4eeec23bbb3.png", "website": "https://usedots.com", "all_locations": "San Francisco, CA, USA", "long_description": "Dots is a developer-friendly API that lets businesses pay their contractors through just a few lines of code. 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! Dots lets developers get payouts up and running over just a few hours, rather than the many months this would normally take.", "one_liner": "Developer friendly drop in payouts infrastructure", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624985636, "tags": [ "Fintech", "Payments", "API", "Creator Economy" ], "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": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/dots-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/dots-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/senddots", "x_url": "https://twitter.com/send_dots", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ef214a749c163e81772f2ba192fdf4eeec23bbb3.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": 199540, "full_name": "Sahil Hasan", "title": "Founder", "founder_bio": "Co-founder and CEO @ Dots. Previously at Google X and Google Research. \nEECS + Regents @ UC Berkeley, MSCS @ Carnegie Mellon.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sahilhasan/", "x_url": "https://twitter.com/itsahil85", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0932a4c5124f6675a7ae0a625873d0149006584f.jpg" }, { "user_id": 181861, "full_name": "Kartikye Mittal", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kartikye/", "x_url": "https://twitter.com/kartikyee", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7c34d4a54e6e384810ce00ff45114cce00798d50.jpg" } ], "jobs": [ { "id": 46696, "title": "Staff Software Engineer, Generalist", "url": "https://www.ycombinator.com/companies/dots-2/jobs/xb6fRVl-staff-software-engineer-generalist", "location": "San Francisco / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$200K - $280K", "equity_range": "0.40% - 0.80%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "PostgreSQL", "Python", "React", "TypeScript" ] }, { "id": 112651, "title": "Customer Success Manager", "url": "https://www.ycombinator.com/companies/dots-2/jobs/rNLuVF8-customer-success-manager", "location": "New York, NY, US / San Francisco, CA, US", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$150K - $210K", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112654, "title": "Executive Assistant", "url": "https://www.ycombinator.com/companies/dots-2/jobs/Z4r3zuq-executive-assistant", "location": "New York, NY, US", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$70K - $98K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 24579, "name": "Nomod", "slug": "nomod", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aba4a500ebbd7dab967966a95081aeb905413031.png", "website": "https://nomod.com", "all_locations": "Dubai, Dubai, United Arab Emirates; Remote", "long_description": "Nomod is the UAE’s leading payments platform for small businesses — powering 55,000+ merchants, and processing $500M+ in annualised TPV", "one_liner": "The UAE’s leading small business payments platform", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625557737, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "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/nomod", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/nomod.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/nomod/", "x_url": "https://twitter.com/nomod", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/aba4a500ebbd7dab967966a95081aeb905413031.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": 287893, "full_name": "Omar Kassim", "title": "Founder", "founder_bio": "Omar is the Founder and CEO of Nomod. Omar previously founded and exited JadoPado, a highly regarded MENA e-commerce technology platform, to Noon.com in 2017. Omar has a BsC in Electronics Engineering and Business Studies from the University of Warwick, UK", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/okassim/", "x_url": "https://twitter.com/okassim", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/13ffb99c457dc4b8455b518fd56948391aa398dd.jpg" } ], "jobs": [], "news": [ { "title": "Nomod raises $3.4M seed to allow merchants accept payments without hardware – TechCrunch", "url": "https://techcrunch.com/2021/11/15/nomod-raises-3-4m-seed-to-allow-merchants-accept-payments-without-hardware/?tpcc=tcplustwitter", "date": "Nov 15, 2021" } ], "launches": [] }, { "id": 24602, "name": "PAYZE", "slug": "payze", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f32ab751ba341ddd9dc30a7e95e2b50fdea2b0b8.png", "website": "https://payze.io/", "all_locations": "Tbilisi, Tbilisi, Georgia; Tbilisi, Georgia", "long_description": "Innovator of online transactions, helping businesses in former soviet union countries to accept payments from around the world through a single integration. \r\n", "one_liner": "Stripe for former Soviet Union countries", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626372601, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Georgia", "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.", "answer": "One stop shop for all online payments in CIS " } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/payze", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/payze.json", "year_founded": 2020, "city": "Tbilisi", "country": "GE", "linkedin_url": "https://www.linkedin.com/in/giorgitsurtsumia/", "x_url": "", "fb_url": "https://www.facebook.com/payzegeo/", "cb_url": "https://www.crunchbase.com/organization/payze", "github_url": "https://github.com/payzeio", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f32ab751ba341ddd9dc30a7e95e2b50fdea2b0b8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 586887, "full_name": "Gega Tsurtsumia", "title": "Founder", "founder_bio": "US Naval Academy --> Ocean Engineer --> Ex Georgian Military --> Several Startup failures --> aspiring backcountry skier & mountaineer --> turned founder ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gegat/", "x_url": "https://x.com/gegatsur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86940a51104270123e964a264f3e6ad76fabb12f.jpg" }, { "user_id": 592675, "full_name": "Kakha Gelashvili", "title": "Founder", "founder_bio": "Software engineer, dropout from Caucasus School Of Technology, experience building and managing software for financial institutions. Founded Payze, where we are transforming payments in CIS region.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kakhagelashvili/", "x_url": "https://twitter.com/kakha_ge", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8580c9ffa0e6b791dc92984510ebac0162f057d2.jpg" } ], "jobs": [], "news": [ { "title": "Payze - The Most Successful Georgian Fintech Startup - YouTube", "url": "https://www.youtube.com/watch?v=x28CcFzNjkc", "date": "Nov 08, 2022" }, { "title": "Payze of Georgia is 2021 Winner of Visa Everywhere Initiative for CEMEA Region • Forbes Georgia", "url": "https://forbes.ge/payze-of-georgia-is-2021-winner-of-visa-everywhere-initiative-for-cemea-region/", "date": "Jun 11, 2021" } ], "launches": [] }, { "id": 24640, "name": "Malga", "slug": "malga", "former_names": [ "Plug" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bf80258b38552f28c03c1373b8c641819abe5f97.png", "website": "https://malga.io/", "all_locations": "Rio de Janeiro, RJ, Brazil", "long_description": "Malga gives digital businesses access to multiple payments services through a single integration, and the ability to change between them on a transaction to transaction basis without writing code. \r\n", "one_liner": "Malga is an API to accept payments with multiple payment providers", "team_size": 46, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1626365589, "tags": [ "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "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/malga", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/malga.json", "year_founded": 2020, "city": "Rio de Janeiro", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/gomalga", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bf80258b38552f28c03c1373b8c641819abe5f97.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": 428414, "full_name": "Alex Vilhena", "title": "Founder", "founder_bio": "Raised between Brazil and the US, and spent last 7 years across US and Europe working for tech companies. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexvilhena/", "x_url": "https://twitter.com/ElVilhena", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/05d9705027735b75644b5721f9f5adde9f6403dc.jpg" }, { "user_id": 432459, "full_name": "Thiago Garuti", "title": "Founder", "founder_bio": "Majored in industrial engineering and started in the financial market working at some hedge funds in Rio de Janeiro for 8 years.\nIn 2015 I went to a venture builder named Finxi, began as a Project Manager and moved to Product.\nIn 2016 founded Medicinae Solutions, which was a startup to advance health insurance receivables. There I was responsible for the product and development team. I stayed 3 years. Medicinae had an exit, it was sold to Afya, a NASDAQ listed company.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thiago-garuti-6844b557/", "x_url": "https://twitter.com/thiago_garuti", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/93b16da31ae728afae3370628542c43ba1996ef8.jpg" } ], "jobs": [], "news": [ { "title": "Plug raises $2.7M to make payment acceptance in Brazil less terrible – TechCrunch", "url": "https://techcrunch.com/2021/11/17/plug-raises-2-7m-to-make-payment-acceptance-in-brazil-less-terrible/", "date": "Nov 17, 2021" } ], "launches": [] }, { "id": 24934, "name": "JABU", "slug": "jabu", "former_names": [ "JABU Logistics Inc", "JABU Logistics" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56e09091afb3367f2addeb05b958e4146172ceb8.png", "website": "http://www.gojabu.com", "all_locations": "Cape Town, WC, South Africa; Windhoek, Khomas Region, Namibia", "long_description": "HQ in Namibia and Zambia, Jabu is a fintech startup providing digital wallet solutions to streamline transactions in Africa's cash-dominated economy, enhancing business efficiency and financial integration.", "one_liner": "B2B payments, transforming Africa's cash economy", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1641456087, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "South Africa", "Namibia", "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/jabu", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/jabu.json", "year_founded": 2020, "city": "Cape Town", "country": "ZA", "linkedin_url": "https://www.linkedin.com/company/jabu/", "x_url": "https://twitter.com/jabulogistics", "fb_url": "https://www.facebook.com/jabuafrica/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/56e09091afb3367f2addeb05b958e4146172ceb8.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": 697864, "full_name": "David Akinin", "title": "Founder", "founder_bio": "I’m changing the way informal sector retailers in Africa source products and interact with brands @JABU\nVenezuelan, grew up in the US, Econ at @UChicago, MPhil Inclusive Innovation @UCTGSB\nEx-Credit Suisse, Google, Atenu.\nHave a passion for development and the creation of Habitats; 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": 25120, "name": "Elevate (formerly Bloom)", "slug": "elevate", "former_names": [ "East Africa Financial Technologies Inc (Brand name: Bloom).", "EAFT (Brand name: Bloom).", "EAFT (Bloom)", "Bloom", "bloom", "Bloom" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc3d0ef28fa8806d45415f17c3713cfab0728c8a.png", "website": "https://www.elevatepay.co", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.", "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. Over 10 years experience as a software engineer in banking and financial services with a focus on risk and investment management.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khalid-keenan-a381578a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ebe8469d229c2ed41b727bc46441d55016c64765.jpg" }, { "user_id": 819971, "full_name": "Youcef Oudjidane", "title": "Founder", "founder_bio": "I began my career helping companies go public in the U.S. before transitioning into early-stage investments, starting with the Dubai Government. 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": 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. Designed to scale globally.", "one_liner": "Financial infrastructure for the Americas", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1645553649, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Argentina", "Latin America", "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": "Rebill started from a clear problem: companies wanted to sell in Latin America, but payments were too fragmented to scale efficiently. 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 - $160K", "equity_range": "0.30% - 0.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 109742, "title": "Head of Engineering", "url": "https://www.ycombinator.com/companies/rebill/jobs/HOM79GY-head-of-engineering", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "$120K - $180K", "equity_range": "0.30% - 0.50%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 113402, "title": "Head of Marketing, B2B Payments", "url": "https://www.ycombinator.com/companies/rebill/jobs/4zDmYmC-head-of-marketing-b2b-payments", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote (Mexico City, CDMX, MX; Mexico City, Mexico City, MX; São Paulo, SP, BR; São Paulo, São Paulo, BR)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$90K - $140K", "equity_range": "0.30% - 0.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Una startup argentina de pagos online conquistó a ejecutivos de SpaceX y cerró una nueva ronda: ya levantó u$s 9 millones", "url": "https://www.cronista.com/negocios/una-startup-argentina-de-pagos-online-conquisto-a-ejecutivos-de-spacex-y-cerro-una-ronda-por-us-54-millones/", "date": "Oct 19, 2026" }, { "title": "Francisco León se une a Rebill como Co-Founder y Chief Strategy Officer para escalar la nueva generación de pagos en América Latina", "url": "https://www.latamfintech.co/articles/francisco-leon-se-une-a-rebill-como-co-founder-y-chief-strategy-officer-para-escalar-la-nueva-generacion-de-pagos-en-america-latina", "date": "Jul 29, 2025" }, { "title": "Rebill.com launches 1-Click Checkout  - LatamList", "url": "https://latamlist.com/rebill-com-launches-1-click-checkout/", "date": "Mar 26, 2024" }, { "title": "Rebill launches cross-border payment gateway - LatamList", "url": "https://latamlist.com/rebill-launches-cross-border-payment-gateway/", "date": "Dec 07, 2023" }, { "title": "La startup latina Rebill recaudó $3.6 millones de dólares con participación de inversionista de Facebook, LinkedIn y Spotify", "url": "https://www.entrepreneur.com/es/finanzas/la-startup-latina-rebill-recaudo-36-millones-de-dolares/434623", "date": "Sep 02, 2022" } ], "launches": [] }, { "id": 25317, "name": "Peakflo", "slug": "peakflo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f59b4fa6c1b83c6d1b9ccf4e02733f3f60a7a727.png", "website": "https://peakflo.co", "all_locations": "Singapore, Singapore", "long_description": "Peakflo, with its Agentic Workflows and one-click ERP integrations, helps finance teams eliminate manual work across the entire invoice-to-cash, procure-to-pay, travel and expense reimbursement, and operations. 100+ businesses—from scale-ups to enterprises, use Peakflo each to:\r\n\r\n✅ Save 1000 man-hours/month on finance ops\r\n✅ Get paid faster on customer invoices by 15-25 days\r\n✅ Cut vendor bill payment time by 50%\r\n✅ Automate three-way matching", "one_liner": "Agentic workflows that automate your back‑office operations", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644787148, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "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": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/peakflo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/peakflo.json", "year_founded": 2021, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/peakflo/", "x_url": "https://twitter.com/GetPeakflo", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/peakflo", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f59b4fa6c1b83c6d1b9ccf4e02733f3f60a7a727.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/56/1648674669323-tw3sojzhad-bb179424085f748edff9f5838384310a/551b70d86e3cc8b2bfc719f70b6d5552.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022702Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=068aef785b4cf0ba3b5c841e2ffbef4296eab1d617b401291c6c446433c37e76", "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 828290, "full_name": "Saurabh Chauhan", "title": "Founder", "founder_bio": "Peakflo | Rocket Internet | Daraz (Alibaba) | McKinsey & Co.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saurabh-chauhan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eaaef150a5ef5da086326068f62a964dc96804ef.jpg" }, { "user_id": 541850, "full_name": "Dmitry Vedenyapin", "title": "Founder", "founder_bio": "Peakflo co-founder | ex-Airasia | PhD in CS/AI", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dmitryvedenyapin/", "x_url": "https://twitter.com/dima_vedenyapin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d152641399cddaaaf8e739480363594b752b84ef.jpg" } ], "jobs": [ { "id": 68805, "title": "Business Development Intern (Paid - India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/f5KL6FY-business-development-intern-paid-india-remote", "location": "IN / Remote (IN)", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "₹240K - ₹300K INR", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 82428, "title": "Sales Development Representative (SDR) Intern (Paid - India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/iOJXsEd-sales-development-representative-sdr-intern-paid-india-remote", "location": "IN / Remote (IN)", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "₹240K - ₹300K INR", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 90065, "title": "Machine Learning (ML) Engineer Intern - (Paid - India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/I4Ehwpd-machine-learning-ml-engineer-intern-paid-india-remote", "location": "IN / Remote (IN)", "type": "Internship", "role": "Engineering", "role_type": "Machine learning", "salary_range": "₹480K - ₹600K INR", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [ "Python", "Machine Learning", "Natural Language Processing", "Machine learning", "Prompt Engineering" ] }, { "id": 91111, "title": "Forward Deployed Engineer (FDE) - (India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/vIrPzMj-forward-deployed-engineer-fde-india-remote", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "₹1M - ₹1.3M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Python", "SQL", "Machine Learning", "Deep Learning", "Natural Language Processing", "Machine learning" ] }, { "id": 91984, "title": "Technical Operations & AI Automation Engineer - (India/Remote)", "url": "https://www.ycombinator.com/companies/peakflo/jobs/VN3oW2n-technical-operations-ai-automation-engineer-india-remote", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "₹1.2M - ₹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": 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": 25444, "name": "Touch and Pay Technologies Limited", "slug": "touch-and-pay-technologies-limited", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f64b367d90d1c85b406160b1ee725d340e272ae.png", "website": "https://touchandpay.me/", "all_locations": "Lagos, LA, Nigeria", "long_description": "We process cash-based microtransactions across Africa's informal sector, an example of microtransaction is payment for bus rides today we help over 300k people make this payment.", "one_liner": "Digitizing and processing Microtransactions in Africa", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1642780792, "tags": [ "Fintech", "Payments" ], "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/touch-and-pay-technologies-limited", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/touch-and-pay-technologies-limited.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/touchandpay-technologies-ltd", "x_url": "https://twitter.com/touchandpayme", "fb_url": "https://www.facebook.com/touchandpayme", "cb_url": "Touch and pay technologies Limited", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f64b367d90d1c85b406160b1ee725d340e272ae.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": 208336, "full_name": "Olamide Afolabi", "title": "Founder", "founder_bio": "Very interested in Machine Learning algorithms and cyber security. Background in Engineering, with a Bachelor of Technology (BTech), in Mechanical Engineering from the Ladoke Akintola University of Technology. I have interests in the Internet of things, Artificial intelligence, and Robotics.\n\nOn the side, I love human psychology and understanding what makes humans tick. A lateral thinker who also uses a minimalist approach in every complex problem.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/afolabi-olamide-08847919/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/33aa718ffb0b094f755e84b94ab044667bde58db.jpg" }, { "user_id": 210866, "full_name": "Michael Oluwole", "title": "Founder", "founder_bio": "Had always passion for solving problems and finding smart ways to do to and tech seams like the right path. Background in Mechanical Engineering, developed business process and project management skills.\n\nMy role, is simple how do we support the wow Ideas in with actual business models", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oluwole-michael-10992362/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/adcf6dcfbe42ef99a2c037a7de536cbd0769a733.jpg" }, { "user_id": 212251, "full_name": "kabir Yabo", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kabiru-yabo-401073112/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7af50c4367d2ac69b3e76280c0535a36fdd86a72.jpg" } ], "jobs": [], "news": [ { "title": "YC-Backed Touch and Pay is changing how Lagosians commute with Cowry cards", "url": "https://techcabal.com/2024/03/05/cowry-card-payments-tap-and-go-technology/", "date": "Mar 05, 2024" }, { "title": "Touch And Pay Joins W22 Y Combinator Accelerator Programme - Business News in Nigeria", "url": "https://unmaskng.com/touch-and-pay-joins-w22-y-combinator-accelerator-programme/", "date": "Jan 21, 2022" }, { "title": "Nigerian tech startup, Touch and Pay, joins the W22 Y Combinator accelerator programme - Nairametrics", "url": "https://nairametrics.com/2022/01/21/nigerian-tech-startup-touch-and-pay-joins-the-w22-y-combinator-accelerator-programme/", "date": "Jan 21, 2022" }, { "title": "How Touch and Pay (TAP) got 1.5 million Lagosians to adopt cashless bus rides", "url": "https://techpoint.africa/2022/01/10/touch-and-pays-1-5-million-users/", "date": "Jan 10, 2022" }, { "title": "Cowry's 'tap to ride' contactless payment is making transit easier for Lagosians to commute during the pandemic — Features — The Guardian Nigeria News – Nigeria and World News", "url": "https://guardian.ng/features/cowrys-tap-to-ride-contactless-payment-is-making-transit-easier-for-lagosians-to-commute-during-the-pandemic/", "date": "Oct 01, 2021" } ], "launches": [] }, { "id": 25515, "name": "Whiz", "slug": "whiz", "former_names": [ "Rocket Pocket" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b558731717f275fda1e0113ad54aa54d77d8cd3e.png", "website": "https://whiz.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). Join us on this journey toward financial empowerment.", "one_liner": "Transforming Finances, Maximizing Your Money Potential.", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1648033315, "tags": [ "Fintech", "Payments", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "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/whiz", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/whiz.json", "year_founded": 2022, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/whiz-idn/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b558731717f275fda1e0113ad54aa54d77d8cd3e.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": 573804, "full_name": "Dominic Sumarli", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dominicsumarli/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3546c4bf2a9fe907a03e31c1828c945e8ccd964.jpg" }, { "user_id": 732098, "full_name": "Frederick Widjaja", "title": "Founder", "founder_bio": "Building Whiz, Indonesia’s first fintech company for teenagers, to empower a new generation of financial whiz kids. Ex-Facebook SWE, worked on several zero to one projects such as Blood Donations and Messenger Rooms. Graduated from Harvard College with a degree in Computer Science and Statistics. I'm passionate about working on projects that bring about positive social impact, and I'm excited to take on the next big challenge.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/frw/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0ad923cfa9f9880bf2b601dbc937257a2a149e27.jpg" }, { "user_id": 857261, "full_name": "Agnes Lie", "title": "Founder", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/agneswlie/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/289cdada2959bfb8bf01bd49b3da584fda56bd27.jpg" } ], "jobs": [], "news": [], "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": 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": 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. Our Payroll API enables businesses, fintechs, and platforms to integrate payroll processing directly into their systems—automating salary payments, tax deductions, and compliance.\r\n\r\nBeyond payroll, Eazipay also empowers workers by providing faster access to their earnings and financial benefits. With features like early wage access and financial wellness tools, we help employees and gig workers gain more control over their income and financial stability.\r\n\r\nWe now serve over 10k businesses, with many YC companies as customers. ", "one_liner": "Eazipay powers effortless payroll and financial access in Africa.", "team_size": 27, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1643192248, "tags": [ "Fintech", "Payments", "Payroll" ], "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/eazipay-inc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/eazipay-inc.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/myeazipay/", "x_url": "https://twitter.com/my_eazipay", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6d38a5e03130b41b7c1ced5d2b0e7c87a4c691.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 479745, "full_name": "Asher Adeniyi", "title": "Founder", "founder_bio": "I’m Asher Adeniyi, CEO of Eazipay, the No. 1 payroll software in Nigeria—spreading fast across Africa. We’re making it effortless for businesses to pay their teams accurately and on time, without the usual payroll headaches.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/asheradeniyi/", "x_url": "https://twitter.com/agtsih", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/148e6e27ef36efbfe8a2cb0af45355f1f865613b.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25693, "name": "Tola", "slug": "tola", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fbc8c1ee7e52671abb62b7c0735dd822b79fde55.png", "website": "https://tolahq.com", "all_locations": "San Francisco, CA, USA; New York, NY, USA; Remote", "long_description": "Tola is the simple tool for SMBs to pay bills and get paid. On top of that, we help companies better manage their cashflow by allowing them to buy now and pay later expensive bills in exchange for a small fee.", "one_liner": "The simple, fast and free tool for businesses to pay and get paid", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1677791099, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "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/tola", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/tola.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tolahq", "x_url": "https://twitter.com/tolahq", "fb_url": null, "cb_url": null, "github_url": "https://github.com/tolahq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fbc8c1ee7e52671abb62b7c0735dd822b79fde55.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": 892299, "full_name": "Alen Cvisic", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alencvisic/", "x_url": "https://twitter.com/alencvisic", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e78cfa99d0b00112b37df5c28baa99d29dbaccd.jpg" }, { "user_id": 881935, "full_name": "Guillaume Simard", "title": "Founder", "founder_bio": "Hey 👋 I'm Guillaume. I'm a nerd who's been building SaaS and Fintech for my entire career.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/guisim/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a804362048ff59f61e844bb33ef67435b19efb6.jpg" } ], "jobs": [], "news": [ { "title": "Sequoia leads seed round in Tola, SMB cashflow management startup", "url": "https://www.axios.com/pro/fintech-deals/2024/10/31/sequoia-smb-cashflow-management-tola", "date": "Oct 31, 2024" } ], "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": 25870, "name": "Top Road", "slug": "top-road", "former_names": [ "RE-MINT", "re-mint", "Top Road", "GPT Builder Tools by Top Road" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/50c64eee4fb328983954a1afb2acfcbb3e366dc6.png", "website": "https://toproad.ai", "all_locations": "Sydney, NSW, Australia", "long_description": "Top Road provides no-code analytics & payment tools so creators can monetise their AI apps (\"GPTs\") in the OpenAI ecosystem. ", "one_liner": "Payments & analytics for apps in the OpenAI GPT Store", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644389361, "tags": [ "Fintech", "Generative AI", "Payments", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/top-road", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/top-road.json", "year_founded": 2024, "city": "Sydney", "country": "AU", "linkedin_url": "https://linkedin.com/company/top-road-gpt-tools", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/50c64eee4fb328983954a1afb2acfcbb3e366dc6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 663707, "full_name": "Jeevika Makani", "title": "Founder", "founder_bio": "Jeevika is the co-founder & CEO of Top Road. Prior to being a founder, she worked at various early stage tech startups including Fat Llama (P2P rental marketplace, YC S17) and Lendable (emerging markets fintech). Jeevika studied economics at the University of Melbourne, and has an INSEAD MBA. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeevikamakani/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9170bf2a8f79b26c56e16f4a8417fd29aa209690.jpg" }, { "user_id": 599002, "full_name": "Celilsemi Sam Erkiner", "title": "Founder", "founder_bio": "I'm a software engineer, full stack but heavy on the front. I love cross-platform solutions, so JS is my fav. Usually Node on the backend, Angular on the frontend. I've worked on 50+ web/mobile/smartwatch apps. I have some open source contributions, mostly on Ionic. If you need help designing a web/hybrid application architecture, ping me! If I'm being slow to respond, I'm busy trying to exploring AI to automate things. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cerkiner", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/09119b07477f5f5f062ff56cd7404973dae45c90.jpg" } ], "jobs": [], "news": [], "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": 26290, "name": "Mono", "slug": "mono-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ac95d1949a6a54c8aa8d516807ab68da84ba80d.png", "website": "https://mono.la", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "Mono provides an API-first platform that lets any company in LatAm offer financial capabilities, wallets, real-time payouts (Bre-B), Visa cards, and multi-rail bank transfer without becoming a fintech.", "one_liner": "Embedded finance infrastructure for LatAm enterprises.", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1642010570, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mono-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/mono-2.json", "year_founded": 2020, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/cuentamono", "x_url": "https://twitter.com/mono_empresas", "fb_url": "https://www.facebook.com/monoempresas", "cb_url": "https://www.crunchbase.com/organization/mono-25ef", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ac95d1949a6a54c8aa8d516807ab68da84ba80d.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/26350/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAOYE2QNZ5%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022706Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJIMEYCIQDZr7mht6VpZroejzIM4ovdqqWjmh9u8AZ4wJ%2BcxZeHaQIhAN0TyP1C5dfPpTpdf3vcwz%2B044IBUbnJ55rbsOHYRWQWKuUDCDoQABoMMDA2MjAxODExMDcyIgxycpAO09Mq3A1cvyQqwgN39qg2Ox70YWArW8Z19bx1LbIV2O3f8r7xSc%2BDpl3XtmT02s9DHm%2FdyEMimOoBk5McFrR%2FThfgO9h1Zcmt1NqN1y6d1lWIsDAdluAWIqXM089dX1KVjFmsSwg8hWS2%2F4ysZFTLuD5VBUHeANJPyfmRKN9Kb4JepbPSE01eipdz4aqPxRqz%2FVUJEYLUTh5YJM6jJKNzl5l2mnWSSFiFdUfT5OS16LHDCYH4PGt9WRY2iseRxMu7FZcICWM0P8aN14WLxKsu1H0yVxk8LS%2BNbXezGhQnkMsa3bf7aMNU7x4TSs7KyM01QgiCZxC01YV43U4O8vFENPThr%2FHtKaAvtZ0%2BXSTwUE691O8mG15thNVkorInjIhilxdazy%2BzEYcGsAMNZtfx0Bd5Xn43Xf7b%2Fie4vv0d0RCHqbCGLmxRHj5VG3Pdta5Kju3%2Fpb8n%2FKmRjY%2FtuIfi9oTYAjc4PVyikHTm8UXURiHmaM0tqXZjxyh0iIponEKehSmtjmjudiXLWICFBoPhEXeaUeyK2AT6btvH4fclsQa0qRmkxdgguiWvrYxLKhNNfPLTc5QA0jlPSRoDJ%2F%2BxNHLFrGusOX7IwU6hfRMw6P3a1gY6pAETos2BWzWJY973oh8s1gy0zFzSYQP7N%2B39nIjIA7I0ymOVnRNJktoZRF6GV9DH3ymBPT2fnMgKvEaFAqVR%2F0WVwXz3ixgSwFGrvlwPr39cuFnKBEcdnivQJOXkexjqUxi9alVn76GV8ONTXD1ZupAQeLYI09gLaaAmJlyJPRAUCybD64XlECdPqS2TV2e%2FZlA5duJD1GekpDGthoc0y8PIc1ahwA%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=6bcf09a0cfc347e650d40f9cdd002d3e9d521ca1832b75e13fc8787bfd3ec0a7", "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/56/1648679073102-zxt3fe9rmjn-19991e5f79fe89c0693374ba6dfa2a9a/189f4dc977ed87eb5b40887ad22c77b4.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022706Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=7872e818aff2ea99921ad268eaba1db8bfb00a57aa8092232602e50fd7602450", "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 191046, "full_name": "Sebastian Ortiz", "title": "Founder", "founder_bio": "Co-founder and CPTO at Mono 🐒.", "is_active": true, "linkedin_url": "https://co.linkedin.com/in/sebastian-ortiz-v%C3%A1squez-75b38590", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2337a605588fea7710c108913740df3cb895c514.jpg" }, { "user_id": 567676, "full_name": "Juan Camilo Poveda", "title": "Founder", "founder_bio": "CEO & Co-founder at Mono 🐒.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-camilo-poveda/", "x_url": "https://twitter.com/juanpoveda93", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60014f4f6513a4e5e596dbf4ead90c4f6909caa5.jpg" } ], "jobs": [], "news": [ { "title": "Colombiana Mono levanta US$6 millones en tiempos difíciles para obtener capital", "url": "https://www.bloomberglinea.com/2022/06/17/colombiana-mono-levanta-us6-millones-en-tiempos-dificiles-para-obtener-capital/", "date": "Jun 17, 2022" }, { "title": "Mono aims to be ‘first bankingless bank’ for Latin America’s small businesses – TechCrunch", "url": "https://techcrunch.com/2022/06/17/mono-digital-bank-latin-americas-small-businesses", "date": "Jun 17, 2022" }, { "title": "Tarjeta débito corporativa de la fintech Mono llegó a 100 clientes en menos de un mes", "url": "https://www.larepublica.co/finanzas/tarjeta-debito-corporativa-de-la-fintech-mono-llego-a-100-clientes-en-menos-de-un-mes-3285753?utm_medium=Social&utm_source=LinkedIn#Echobox=1642097064-2", "date": "Mar 30, 2022" }, { "title": "Mono, la fintech colombiana que arranca con el empujón de fundadores de unicorni", "url": "https://forbes.co/2022/01/13/emprendedores/mono-la-fintech-colombiana-que-arranca-con-el-empujon-de-fundadores-de-unicornios-y-de-y-combinator/", "date": "Mar 30, 2022" }, { "title": "30 Colombian businesses promises 2022", "url": "https://forbes.co/2022/03/04/emprendedores/mono-fintech-para-empresas/", "date": "Mar 04, 2022" } ], "launches": [] }, { "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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": 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": [] } ]