[ { "id": 240, "name": "Stripe", "slug": "stripe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e5ccedd9995f6524b4a0379062eb67f7c991613e.png", "website": "http://stripe.com", "all_locations": "San Francisco, CA, USA", "long_description": "Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.", "one_liner": "Economic infrastructure for the internet.", "team_size": 7000, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1326790584, "tags": [ "Banking as a Service", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Summer 2009", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/stripe", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2009/stripe.json", "year_founded": 2009, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stripe/", "x_url": "https://twitter.com/stripe", "fb_url": null, "cb_url": null, "github_url": "https://github.com/stripe", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e5ccedd9995f6524b4a0379062eb67f7c991613e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 16587, "full_name": "Patrick Collison", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/patrickcollison/", "x_url": "https://twitter.com/patrickc", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6f6304b166bb539a6d36c760d3c07ceb36bcf77e.jpg" }, { "user_id": 657, "full_name": "John Collison", "title": "Founder/President", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/johnbcollison/", "x_url": "https://twitter.com/collision", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/da7d48371e52712926a04985f20d0edc66d5a642.jpg" } ], "jobs": [ { "id": 47049, "title": "Frontend Engineer, Identity", "url": "https://www.ycombinator.com/companies/stripe/jobs/jdBhPmD-frontend-engineer-identity", "location": "United States / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "JavaScript" ] }, { "id": 47050, "title": "Machine Learning Engineer, Identity", "url": "https://www.ycombinator.com/companies/stripe/jobs/9d8GGVs-machine-learning-engineer-identity", "location": "San Francisco / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Natural Language Processing", "Computer Vision" ] }, { "id": 47051, "title": "Head of Engineering, Identity Graph", "url": "https://www.ycombinator.com/companies/stripe/jobs/yaLKuLq-head-of-engineering-identity-graph", "location": "San Francisco / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "11+ years", "visa": "Will sponsor", "skills": [ "Java" ] } ], "news": [ { "title": "Stripe, Plasma Partner to Develop Multi-Currency Stablecoin Cards", "url": "https://www.cryptotimes.io/2026/10/15/stripe-plasma-partner-to-develop-multi-currency-stablecoin-cards/", "date": "Oct 15, 2026" }, { "title": "Stripe: 2023 CNBC Disruptor 50", "url": "https://www.cnbc.com/2023/05/09/stripe-disruptor-50.html", "date": "May 09, 2023" }, { "title": "Stripe tackles ‘cold start problem’ with the launch of fiat-to-crypto on-ramp", "url": "https://cointelegraph.com/news/stripe-tackles-cold-start-problem-with-the-launch-of-fiat-to-crypto-onramp", "date": "May 07, 2023" }, { "title": "Payments giant Stripe raises $6.5 billion at a $50 billion valuation", "url": "https://www.axios.com/2023/03/15/stripe-50-billion", "date": "Mar 15, 2023" }, { "title": "Amazon-Stripe partnership accelerates ecommerce and streamlines online payments", "url": "https://stripe.com/newsroom/news/amazon-and-stripe", "date": "Jan 23, 2023" } ], "launches": [] }, { "id": 763, "name": "Bankjoy", "slug": "bankjoy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/134b12b221534d10b8b6f4ff8ae5da4a440320ad.png", "website": "http://bankjoy.com", "all_locations": "Troy, MI, USA; Remote", "long_description": "Bankjoy provides a full suite of modern digital banking software, including mobile banking, online banking, online account opening, loan applications, and conversational AI to banks and credit unions.", "one_liner": "An end-to-end digital banking solution for banks and credit unions", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1416220006, "tags": [ "Banking as a Service", "Conversational Banking", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bankjoy", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/bankjoy.json", "year_founded": 2015, "city": "Troy", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bankjoy", "x_url": "https://twitter.com/bankjoy", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bankjoy", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/134b12b221534d10b8b6f4ff8ae5da4a440320ad.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 16007, "full_name": "Mike Duncan", "title": "Founder/CEO", "founder_bio": "Mike Duncan is the founder and CEO of Bankjoy, a Detroit-based digital banking startup. Before starting Bankjoy, Mike developed banking software for a Michigan-based credit union. He also developed payments and financial software for Unisys and the Detroit Tigers. Mike studied computer science at Kettering University in Flint, MI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/HelloMike", "x_url": "https://twitter.com/MikeElDuncan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/310b11dce072fc47d66def9ab9d121a5a47217dd.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": 1482, "name": "Sandbox Banking", "slug": "sandbox-banking", "former_names": [ "Sandbox", "AlphaPack", "Sandbox" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://sandboxbanking.com", "all_locations": "Boston, MA, USA; Los Angeles, CA, USA; Remote", "long_description": "Sandbox Banking provides a low-code platform to quickly build and run banking integrations. Our software is literally a web application named Glyue, and it's typically used by banks, credit unions, and fintechs to connect banking systems. 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He has a comprehensive background ranging from a startup CEO to managing multi-billion dollar energy generation, transmission and distribution projects. Most recently he was Vice Chair of Central Bank and then Vice Minister of Finance of Tajikistan where he was in charge of overhauling the countries payments infrastructure. Umed holds and MBA from Stanford Graduate School of Business. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/umedl", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/98f22d9022903287a896699b46cc18935680b98a.jpg" } ], "jobs": [ { "id": 114790, "title": "Head of Compliance", "url": "https://www.ycombinator.com/companies/owny/jobs/R1wTKoj-head-of-compliance", "location": "UZ / Miami, FL, US / Remote (US; MD; KZ; TJ; AM; GE; EE; IT; ES; FR; GB; AE; CA; AZ; LV; LT; RS; ME; PT; PL; ID; HK; AU; MX; AR; BR; SI; SK; CL; TR; DE; AT; LU; CH)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$3K - $6K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 74815, "title": "OWNY - AI-centric capital and banking solutions", "tagline": "Owny helps startup companies and funds manage capital by giving the an AI-powered portal", "body": "We’re Umed and Ola from [**Owny**](https://www.owny.com/) and we just launched a product revamp for startups to manage capital and banking needs. We use **AI for bank account creation,** quick transactions, simplified onboarding and verification processes, and user-friendly management tools.\\\n—\n\n### **The Problem**\n\nStartups and PE/VC funds have to rely on multiple systems, PDF files, and manual processes to raise capital, manage investors, and handle payments. Bank accounts can take weeks if not months to create. These disconnected and inefficient methods are slow, costly, and prone to errors. In addition, the existing tools and technology used in this process were often manual and didn't seamlessly integrate across different systems.\n\n### **Our Solution**\n\nOWNY is a platform that leverages AI tools and the latest technology to facilitate efficient capital management and payment flow. It offers quick transactions, simplified onboarding and verification processes, and user-friendly management tools to address challenges in the startup and private equity sectors. By utilizing AI and standardization, OWNY aims to streamline processes and enhance overall functionality.\n\nAccounts typically get approved on the same day.\n\n![uploaded image](/media/?type=post&id=74815&key=user_uploads/58186/798f7228-205f-4620-b3df-2b54c54643e7)\n\nCompanies can benefit by using OWNY’s ready to use & **free** tools to manage:\n\n* **Raising SAFE capital** - use ready-to-go YC SAFE templates to collect signatures and payments in minutes.\n* **Foreign currency needs** - OWNY enables you to hold balances in USD and 30 other major currencies.\n* **FX payments** - send and receive payments from anywhere in the world. We negotiated very hard to give our users the best FX rates. Let us know if you find a better FX rate and we will match it.\n* **Treasury & Yield** - simply click to transfer your cash to start earning up to **5\\.5% APY** with the US-based systematically important banks. No lockups. **$1 minimum**. **FDIC** **insured** up to $175M.\n* **PE/VC funds** - launch a fund using our free standard templates or bring your own fund documents. Do it yourself for free.\n* **Manage investors** - send updates, run capital calls, and make distributions for any fund type. Free.\n\nWant to give it a shot? Try it here: [**https://www.owny.com/signup**](https://www.owny.com/signup)\n\n### **Who we are**\n\n[Umed Latifov](https://www.linkedin.com/in/lumed/) & [Ola Wiberg](https://www.linkedin.com/in/olawiberg/) have many years of experience in banking and technology. Notably, Ola was co-founder of **Human API**, which was recently acquired for 9+ figures. Umed has spent years in PE/VC investing and was **Central Bank Governor** for a country.\\\n\\\nPlease reach out if you have any questions: [**support+yc@owny.com**](mailto:support+yc@owny.com)", "url": "https://www.ycombinator.com/launches/JSh-owny-ai-centric-capital-and-banking-solutions", "votes": 8, "created_at": "2023-09-12T22:36:11.117Z" } ] }, { "id": 11926, "name": "Parker", "slug": "parker", "former_names": [ "Woke", "Jamabla" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d9461ed7e5093ac18bab6ae2cb43de29136be3a7.png", "website": "https://www.getparker.com", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "Parker is a digital bank.", "one_liner": "Parker is a digital bank.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1622755385, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/parker", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/parker.json", "year_founded": 2019, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d9461ed7e5093ac18bab6ae2cb43de29136be3a7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 241433, "full_name": "Milan Ray", "title": "Founder", "founder_bio": "ex-42 & UMich Engineering - Working on e-commerce & fintech projects", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/milan-ray/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/caeb0491e064cd76fb57db52205f0618a90c2393.jpg" }, { "user_id": 16208, "full_name": "Yacine Sibous", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/yacine-sibous-07956b113/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/820bdead363d6bd00a2f7ef75998f082c33f773d.jpg" } ], "jobs": [], "news": [ { "title": "Parker Raises $20M to Power the Future of eCommerce Finance | Parker", "url": "https://www.getparker.com/blog/parker-raises-usd20m-to-power-the-future-of-ecommerce-finance", "date": "Nov 11, 2024" }, { "title": "Here's a new corporate card startup, backed by $157M in equity, debt, going after Brex, Ramp | TechCrunch", "url": "https://techcrunch.com/2023/03/16/parker-ecommerce-corporate-card-fintech/", "date": "Mar 16, 2023" } ], "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. 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BeGo uses Machine Learning to reduce empty returns, deadheads, and carbon emissions. \r\nBeGo is co-founded by two brothers, Jasiel, with 10+ years of experience in the industry, and Ivan, ex-Tesla engineer with experience in product design and machine learning.", "one_liner": "BeGo Connects cargo shippers with truck suppliers in Mexico and US", "team_size": 65, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1600796250, "tags": [ "Banking as a Service", "Digital Freight Brokerage", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/be-go", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/be-go.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/begoapp", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/41774322b4a2953269f06a425e25469f1a097d69.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": 267481, "full_name": "Ivan Cardenas", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ivan-cardenas-42b1a564", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2f46c1a75addc7392d23d75b2d913741096e447b.jpg" }, { "user_id": 293168, "full_name": "Jasiel Cardenas", "title": "Founder", "founder_bio": null, "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/a39e8c16022119911dda429d46c594bb004c8809.jpg" } ], "jobs": [ { "id": 27147, "title": "Full Stack Sr", "url": "https://www.ycombinator.com/companies/be-go/jobs/ceQsKiheA-full-stack-sr", "location": "Mexico City / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$4K - $7K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Angular", "JavaScript", "jQuery", "Node.js", "Python", "React", "Oracle" ] } ], "news": [], "launches": [] }, { "id": 13627, "name": "Jenfi", "slug": "jenfi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "website": "http://jenfi.com/", "all_locations": "Singapore, Singapore", "long_description": "We back growing digital businesses using revenue based financing.\r\n\r\nMany of growing businesses in Asia are highly \"bankable\" yet 50-70% are unable to obtain capital to grow their business.\r\n\r\nHaving been business owners ourselves, we experienced firsthand the struggles of funding a business - from expensive equity options to loans that required personal guarantees.\r\n\r\nWe went live in Singapore first to validate the product/market fit. We plan to expand across the APAC region..\r\n\r\nOur sweet spot is backing repeatable business spend - expenses that leads to increased revenue. Our financing product allows businesses to keep growing with us over time. Over a third of our advances today are from repeat borrowers.\r\n\r\nWe created a brand new asset class in Asia - offering flexible repayment options, such as tieing repayment with sales. Business owners LOVE this.\r\n\r\nOur automated financial technology platform ingests revenue and alternative data sources that gives us a proprietary edge in understanding the behavior of our borrowers. As we collect continuous data, we are able to offer better financial and technology solutions, while mitigating our downside risk.\r\n\r\nFunds are seamlessly deployed via our virtual Jenfi Wallet and MasterCard solution, giving borrowers flexibility to make payments while giving Jenfi real-time tracking of their spend.\r\n\r\nRecent coverage: \r\nhttps://techcrunch.com/2020/02/03/jenfi-wants-to-solve-small-business-lending-in-southeast-asia/", "one_liner": "Jenfi provides revenue-based financing for digital businesses in Asia ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1580951713, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/jenfi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/jenfi.json", "year_founded": 2019, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/jenfi", "x_url": "https://twitter.com/JenfiCapital", "fb_url": "https://www.facebook.com/jenficapital/", "cb_url": "https://www.crunchbase.com/organization/jenfi", "github_url": "https://github.com/jenfi-eng", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 438040, "full_name": "Jeffrey Liu", "title": "Founder", "founder_bio": "Jeff is the CEO and co-founder of Jenfi.\n\nHe founded GuavaPass, a fitness subscription service, which he ran as CEO from 2015-2018. The company expanded to 12 markets across Asia and the Middle East and was subsequently sold to ClassPass in 2018.\n\nJeff brings a strong operational and financial background from GuavaPass, BeachMint (corporate development), Victory Park Capital (credit hedge fund) and Lehman Brothers (investment banking). He has a MBA from Chicago Booth.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeffreykliu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e906ac207c8625c1152790017919ace7844ceab9.jpg" }, { "user_id": 438237, "full_name": "Justin Louie", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nitsujri", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/036652f7f2293ef3c319a99d611dabcd5488bd88.jpg" } ], "jobs": [], "news": [ { "title": "Singapore-Based Y Combinator Graduate Raises $6.6 Million To Expand Its ‘Growth Capital As A Service’", "url": "https://www.forbes.com/sites/catherinewang/2023/05/17/singapore-based-y-combinator-graduate-raises-66-million-to-expand-its-growth-capital-as-a-service/?sh=54d706b34b65", "date": "May 17, 2023" }, { "title": "SG fintech firm gets $6.6m to expand automated business loans", "url": "https://www.techinasia.com/jenfi-66m-automate-business-loans", "date": "May 15, 2023" }, { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/jenfi-series-a-funding-monks-hill-ventures", "date": "Aug 17, 2021" } ], "launches": [] }, { "id": 22003, "name": "Decentro", "slug": "decentro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26546d4be80e83088bea9fc9e77f6aa3cd234174.png", "website": "https://decentro.tech", "all_locations": "Bengaluru, KA, India; Delhi, DL, India; Singapore, Singapore", "long_description": "Almost every company that has to integrate with the legacy financial institutions, faces several challenges when it comes to the product cycle. Not only are the APIs and documentations less available, but they are also old school and ridden with errors and loopholes. \r\n\r\nOn top of that, the lack of a single point of contact from the underlying institutions, makes the already long integration cycle of 5 months feel like a temple run between different departments. And since those services break and update over time, you can imagine the nightmare in terms of coordination between the tech teams. \r\n\r\nWe are a full-stack platform where you can come, select your desired modules, play in the sandbox, and launch your product with the APIs and SDKs within a couple of weeks! Not only that, but we also take care of all upcoming fixes, iterations, and updates without breaking any flow.\r\n\r\nIt's that easy, as it should be. Welcome to the future.", "one_liner": "API Platform for Banking Integrations (Plaid for India and APAC)", "team_size": 60, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1595174841, "tags": [ "Banking as a Service", "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "regions": [ "India", "Singapore", "South Asia", "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/decentro", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/decentro.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/decentro/", "x_url": "https://twitter.com/DecentroTech", "fb_url": "https://facebook.com/Decentro-104637704449006/", "cb_url": "https://www.crunchbase.com/organization/decentro", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/26546d4be80e83088bea9fc9e77f6aa3cd234174.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/39a5337ae5a98a42c23e6dc98a294c6349b41a20.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 475000, "full_name": "Rohit Taneja", "title": "Founder", "founder_bio": "My aim in life is to contribute to the world by solving some of the toughest problems that exist. \n\nI believe that to run a technology venture, the culture needs to be set from the foundation and only a highly knowledgeable and passionate person can get it right. That is why I strive to be a polymath. \n\nThe domains that I am planning to work on (sequentially over the course of my lifetime) are - \n1. Digital payments \n2. Block-chain \n3. Sustainability & Climate Change", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rohit-taneja-69b30b13/", "x_url": "https://twitter.com/sunnyboyrohit", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b1dce988335ea7a50e3f5f69a71ae2380311281.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator-Backed Decentro Acquires SaaS Fintech Neowise Technologies", "url": "https://inc42.com/buzz/y-combinator-backed-decentro-acquires-saas-fintech-neowise-technologies/", "date": "Jul 19, 2023" }, { "title": "Fintech startup Decentro begins operations in Singapore", "url": "https://www.cnbctv18.com/startup/fintech-startup-decentrotech-begins-operations-in-singapore-15995891.htm", "date": "Feb 21, 2023" }, { "title": "Rapyd Ventures backs Indian fintech-as-a-service startup Decentro • TechCrunch", "url": "https://techcrunch.com/2022/10/31/y-combinator-backed-decentro-fintech-series-a-funding/", "date": "Oct 31, 2022" } ], "launches": [ { "id": 103475, "title": "Decentro goes global | Multi-Currency Payment Collections", "tagline": "Launching global payments & treasury from GIFT city for the world. ", "body": "Hey YC community, we’re Rohit and team from **Decentro (YC S20)**, a full‑stack banking and payments API player from India.\n\nOver the last few years, we’ve helped thousands of businesses plug into Indian banking, KYC, and payments infrastructure with simple APIs; now we’re extending that to global payments with our new **GIFT‑based PSP** and cross‑border collection stack.\n\n## **The problem – global money in & out**\n\nIf you’re a trade finance player, marketplace, or fintech scaling globally, you probably live in some version of this mess:\n\n* Multiple PSPs and bank partners across countries, each with different compliance, FX, and payout rules.\n* Long, opaque onboarding cycles for cross‑border flows.\n* Fragmented reporting across acquirers, currencies, and entities, making reconciliation and compliance audits painful.\n* A fast‑moving regulatory environment (IFSCA, FEMA, local regimes) where a misstep can mean blocked flows or penalties.\n\nThis slows down companies that should be focusing on building products and acquiring customers, not chasing bank RM emails and interpreting circulars.\n\n## **What we’re building – a compliant global PSP rail via GIFT**\n\nWe’ve become one of the first Indian payment aggregators to receive a final PSP license from IFSCA at GIFT City, and we’re wrapping that into a developer‑first global payments platform.\n\nAt a high level, here’s how it works:\n\n* Single API / dashboard to collect global payments: Accept from international customers via cards, local methods, and bank transfers across multiple currencies, and settle into GIFT City or onshore INR.\n* Built‑in compliance and reporting: We abstract GIFT City PSP rules, documentation, and transaction reporting so finance and compliance teams get ready‑to‑use exports and views.\n* Faster settlement and better visibility: Unified ledgers and payout flows across corridors and partners, with clear T+ timelines, FX details, and status notifications.\n* Modular APIs: Use us just as a cross‑border collection layer, or plug into the broader Decentro stack (KYC, domestic payouts, banking APIs) if you want a full‑stack infra partner.\n\n## **Why we started working on this**\n\nAt Decentro, we began by solving for domestic Indian banking and payments APIs after running into fragmentation and long integrations at our previous companies.\n\nAs our customers scaled, the same questions kept coming up:\n\n* “Can you help us collect from global customers and settle into our desired currency?”\n* “Is there a compliant way to route this via GIFT City without adding three more partners?”\n\n## **How it works – product flow**\n\nHere’s a typical integration:\n\n1. Configure your entity and use case (SaaS, marketplace, B2B payments, etc.) in our console, including purpose codes and underlying documentation.\n2. Integrate our hosted checkout or APIs to start accepting payments in supported currencies and methods from your customers.\n3. We route funds through our GIFT PSP stack, run compliance checks, and handle FX and settlements into your designated accounts.\n4. Your finance and compliance teams use our dashboard and webhooks for reconciliation, returns, chargebacks, and regulatory reporting.\n\n## Here’s a walkthrough video - \n\nIf you’re:\n\n* A SaaS or B2B company selling globally and settling into India.\n* A marketplace, fintech, or infra company that needs compliant cross‑border rails via GIFT City.\n* Or an existing YC company that wants to expand to Indian or India‑linked flows.\n\nWe’d love to chat.\n\n* Website: \n* Global PSP product page: [**https://decentro.tech/global/gift-psp**](https://decentro.tech/global/gift-psp)\n* YC founder: Rohit (Founder & CEO, Decentro – YC S20)\n\nComment here, or reach out and mention “Integrate YC PSP” so we can prioritize your onboarding and, if relevant, help you navigate the GIFT / IFSCA side as well.\n\nCheers!", "url": "https://www.ycombinator.com/launches/Qux-decentro-goes-global-multi-currency-payment-collections", "votes": 27, "created_at": "2026-06-25T19:24:52.100Z" } ] }, { "id": 23405, "name": "Dayra", "slug": "dayra", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/14c8c484f9d548b7088d673df96466fd122d6332.png", "website": "https://Dayra.co", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "Dayra makes it easy for Egyptian businesses offer Loans and virtual bank accounts to their unbanked workers and customers through their App.\r\nFor example, one of our customers an Egyptian trucking marketplace uses our API to give truck drivers an early advance on their earnings.", "one_liner": "Data-driven embedded Financial Services for Gig Workers", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1616422509, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Egypt", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/dayra", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/dayra.json", "year_founded": 2020, "city": "Cairo", "country": "EG", "linkedin_url": "https://www.linkedin.com/company/dayra", "x_url": "https://twitter.com/go_dayra", "fb_url": "https://www.facebook.com/go.dayra", "cb_url": "https://www.crunchbase.com/organization/dayra-f710", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/14c8c484f9d548b7088d673df96466fd122d6332.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 462848, "full_name": "Omar Ekram", "title": "Founder", "founder_bio": "Omar Ekram is the Founder of Dayra. Ekram was a Managing Partner at Tanmiya Capital Ventures, a private equity firm focused on the Egyptian SME market\nEkram was an IBanker with EFG Hermes where he advised on notable transactions with values in excess of USD 1 bn\nEkram earned a BA in Economics and Finance, with minors in Computer Science and Mathematics, from the American University in Cairo and Columbia University in the City of New York; he is also a Chartered Financial Analyst", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/omar-ekram-56088128/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cc8f8bd7fa6d2b346163b6184441a296b404ace.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23632, "name": "NextPay", "slug": "nextpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e17ef5f315b7d43a751993de676bf13903bea.png", "website": "https://nextpay.world", "all_locations": "Makati, NCR, Philippines", "long_description": "NextPay is a digital bank for small businesses and entrepreneurs in The Philippines. They use us to send invoices, collect payments, do payroll, and pay their bills.\r\n\r\nNextPay is the best alternative to bank accounts for small businesses and entrepreneurs in the Philippines. We help them similarly to how Brex helps companies in the US, but in a way that is more locally nuanced. We manage their finances and remove the steep barriers that Filipino banks and financial institutions typically require; no setup fees, maintaining balances, or ridiculous requirements. \r\n\r\nView the full context on our Launch Bookface post: \r\nhttps://bookface.ycombinator.com/posts/51999", "one_liner": "The digital bank for small businesses in the Philippines.", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1616401605, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Philippines", "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/nextpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/nextpay.json", "year_founded": 2019, "city": "Makati", "country": "PH", "linkedin_url": "https://www.linkedin.com/company/nextpayph", "x_url": "https://twitter.com/nextpayph", "fb_url": "https://www.facebook.com/nextpayph", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e17ef5f315b7d43a751993de676bf13903bea.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 595627, "full_name": "Don Pansacola", "title": "Founder", "founder_bio": "Don is the CEO and Co-founder of NextPay.ph, a fast, simple, and affordable digital banking suite for small Filipino businesses. \n\nHis background in software engineering, blockchain, distributed technologies, and digital product design made him integral to the growth and success of a major tech startup, OpenDNS. He was part of the early core product team who saw its eventual acquisition by Cisco Systems, a Fortune 100 company.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/donpansacola/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c0a14af875e8908273d26efbab384a491dd2b64.jpg" }, { "user_id": 602052, "full_name": "Aldrich Tan", "title": "Founder", "founder_bio": "Aldrich is the CXO and Co-founder of NextPay.ph, a fast, simple, and affordable digital banking suite for small Filipino businesses, and the Managing Director UXPH, largest non-profit design organization and community in the Philippines.\n\nHe is a Sr. Experience Architect (UX) and Design Leader who has led teams in some of the most successful tech companies throughout the US, Canada, and the Philippines such as BlackBerry, Getty Images, Artefact, and Remitly.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aldricht/", "x_url": "https://twitter.com/aldricht", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/999512ee8d64de4bf0cceebfb4885e21254dccbc.jpg" } ], "jobs": [], "news": [ { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/golden-gate-ventures-gentree-fund-colead-16m-seed-filipino-fintech-startup-nextpay", "date": "Jul 28, 2021" } ], "launches": [] }, { "id": 24266, "name": "Ivella", "slug": "ivella", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/900b1772e9f94bc70841de05a846c5f6285066e1.png", "website": "https://www.ivella.com/", "all_locations": "Los Angeles, CA, USA; Santa Monica, CA, USA", "long_description": "Ivella builds banking and savings products that are designed for couples, no matter where they are in their relationship. Whether you've been dating for months are signing up for the The Split Account or have been married for decades and are signing up for The Joint Account and Savings Pods, we've got a product for you.", "one_liner": "Banking and savings products designed for couples", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624052615, "tags": [ "Banking as a Service", "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ivella", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/ivella.json", "year_founded": 2021, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ivella", "x_url": "https://twitter.com/getivella", "fb_url": "https://www.facebook.com/getivella", "cb_url": "https://www.crunchbase.com/organization/ivella", "github_url": "https://github.com/ivella", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/900b1772e9f94bc70841de05a846c5f6285066e1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 335491, "full_name": "Kahlil Lalji", "title": "Founder", "founder_bio": "CEO of Natural.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/bykahlil/", "x_url": "https://twitter.com/bykahlil", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8a2a6536209afbdcb8b34e63a2818ca5886923f.jpg" }, { "user_id": 430850, "full_name": "Vishal Dubey", "title": "Founder", "founder_bio": "Building vibecode.dev. Previously, product engineering at EarnIn. Built joint banking products at Ivella. Studied computer science at Duke. Reach out to me: vdubey01@gmail.com", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/vishaldubey01/", "x_url": "https://twitter.com/vishal_dubey1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0daa2590a7ca85a95f2dfc886abc5636e2576a9.jpg" }, { "user_id": 740856, "full_name": "Eric Wang", "title": "Founder", "founder_bio": "Building payments infrastructure for AI agents at Natural (natural.co)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ericww2/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e4022f900a52a70a6bfa54d41bb228ad3bc2930.jpg" } ], "jobs": [], "news": [ { "title": "Ivella is the latest fintech focused on couples banking, with a twist – TechCrunch", "url": "https://techcrunch.com/2022/06/06/ivella-is-the-latest-fintech-focused-on-couples-banking-with-a-twist/", "date": "Jun 06, 2022" } ], "launches": [] }, { "id": 25118, "name": "Arc", "slug": "arc-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "website": "https://www.joinarc.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services – all in one unified platform.\r\n\r\nFounded in 2021, Arc has headquarters in San Francisco and New York City and is backed by investors including Left Lane Capital, NFX, Bain Capital Ventures, Atalaya, Clocktower Technology Ventures, Torch Capital, and Y Combinator. To learn more, visit www.joinarc.com.\r\n\r\nArc is a financial technology company, not a bank. For important information about Arc, see our general disclosures: https://www.joinarc.com/general-disclosures", "one_liner": "Banking & Funding for Startups", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642185516, "tags": [ "Banking as a Service", "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arc-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/arc-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/join-arc", "x_url": "https://twitter.com/join_arc", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/arc-technologies-245d", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 602523, "full_name": "Nick Lombardo", "title": "Founder", "founder_bio": "Co-Founder & CEO @ Arc Technologies. Intelligent cash management & growth capital for technology companies.\n\nCo-Founder & Board Member @ F2. Compounding intelligence for private markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicholas-m-lombardo/", "x_url": "https://twitter.com/nicklom12", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7e74b33fbe2315cbc72d7861b1166de5e7813b16.jpg" } ], "jobs": [], "news": [ { "title": "In the banking crisis' wake, Arc launches Arc Gold", "url": "https://news.fintechnexus.com/in-the-banking-crisis-wake-arc-launches-arc-gold/", "date": "Mar 21, 2023" }, { "title": "Arc launches Yield to support startups during rate hikes | News", "url": "https://news.fintechnexus.com/arc-launches-yield-to-support-startups-during-rate-hikes/", "date": "Feb 02, 2023" }, { "title": "Arc Launches Advance Plus, Bridging the Gap Between Traditional Venture Debt and Revenue-Based Financing - FinTech Futures", "url": "https://www.fintechfutures.com/techwire/arc-launches-advance-plus-bridging-the-gap-between-traditional-venture-debt-and-revenue-based-financing/", "date": "Jan 11, 2023" }, { "title": "Arc Debuts 'Hybrid Financing' for Startups | PYMNTS.com", "url": "https://www.pymnts.com/startups/2023/arc-debuts-hybrid-financing-as-startups-scramble-for-cash/", "date": "Jan 11, 2023" }, { "title": "Arc Launches \"Startup Growth Stories\" Empowering Founders To Share Their Story", "url": "https://finance.yahoo.com/news/arc-launches-startup-growth-stories-130000322.html", "date": "Sep 07, 2022" } ], "launches": [] }, { "id": 25513, "name": "Valari", "slug": "valari", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cf15b2614d9edde0b8a838c17ad93d43e934e83.png", "website": "http://valari.co", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "At Valari, we are on a mission to democratize access to financial services in LatAm, by allowing any company to launch fintech products and services. \r\n\r\nWith our simple APIs, tech companies can easily embed a financial product in their platforms.\r\n", "one_liner": "Embedded finance platform for LatAm.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1645992752, "tags": [ "Banking as a Service", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/valari", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/valari.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/getvalari/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9cf15b2614d9edde0b8a838c17ad93d43e934e83.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": 580034, "full_name": "Alejandro Pozo", "title": "Founder", "founder_bio": "Alejandro Pozo is the CEO and founder of Valari. He has over 8 years of experience in investments and finance covering LatAm markets from firms like Goldman Sachs and JP Morgan. He founded a small business in LatAm and experienced first-hand the lack of financial services for SMBs in the region.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/pozoalejandro/", "x_url": "http://twitter.com/pozofintech", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f01f5afab7c9d6fa7450bc348685d38df1fa7ff2.jpg" }, { "user_id": 360101, "full_name": "Sebastian Alvarado", "title": "Co-Founder (CTO)", "founder_bio": "Former CTO and co-founder of Valari, Sebastian has over 7 years of experience building software at the intersection of finance and technology. He holds a degree in Computer Science with a specialization in Artificial Intelligence from the University of Toronto. Before Valari, he was part of the founding team at Relay, where he helped scale the company from 0 to $20M in ARR and 50,000 SMB customers. He is currently at Shopify, working to empower entrepreneurs around the world by building better f", "is_active": false, "linkedin_url": "http://linkedin.com/in/alvaradosebastian", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8df504d1a20456258ff567abd083677a06573dff.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25660, "name": "PayCaddy", "slug": "paycaddy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c685fd670d0a729f3179d1688c8e32e5908da426.png", "website": "https://paycaddy.com/", "all_locations": "Panama City, Panama, Panama", "long_description": "PayCaddy enables Latam companies to launch financial products with an API based platform. Rather than building fintech from scratch, or dealing with a legacy bank, companies can use PayCaddy to open digital wallets with KYC checks, automate online payments, and issue personalized debit and prepaid cards for customers or employees. ", "one_liner": "Simplified Banking as a Service for Latam", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642033265, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Panama", "Latin America", "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": "Banking as a service for emerging markets" } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/paycaddy", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/paycaddy.json", "year_founded": 2018, "city": "Panama City", "country": "PA", "linkedin_url": "https://www.linkedin.com/company/65344002/admin/", "x_url": "https://twitter.com/paycaddy?lang=en", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/paycaddy", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c685fd670d0a729f3179d1688c8e32e5908da426.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": 653638, "full_name": "Juan Diego Galvez", "title": "Founder", "founder_bio": "I'm an entrepreneur with a background in consulting and banking. My experience comes from working in electronic payments since 2016, by helping mid and large sized companies handle cross border payments. Currently on a mission to make fintech accesible in Latam for any company looking to embed financial services. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-diego-galvez-a78659a7/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f091b2ec83d6fe959ce1667812113194a23cb366.jpg" }, { "user_id": 763808, "full_name": "Federico Benavides", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/federico-benavides-06985016b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bd5f8caedba36beb1bc56db534d683081bddf74c.jpg" } ], "jobs": [], "news": [ { "title": "Startup latinoamericana PayCaddy es impulsada por Y Combinator para desarrollar infraestructura fintech que busca facilitar la digitalización del sector financiero: - Forbes Centroamérica • Información de negocios y estilo de vida para los líderes de Centroamérica y RD", "url": "https://forbescentroamerica.com/2022/01/19/startup-latinoamericana-paycaddy-es-impulsada-por-y-combinator-para-desarrollar-infraestructura-fintech-que-busca-facilitar-la-digitalizacion-del-sector-financiero/", "date": "Jan 20, 2022" }, { "title": "PayCaddy, la fintech panameña que se adelanta al futuro financiero | Revista Martes Financiero", "url": "https://www.martesfinanciero.com/portada/paycaddy-la-fintech-panamena-que-se-adelanta-al-futuro-financiero/", "date": "Jan 17, 2022" } ], "launches": [] }, { "id": 25665, "name": "Wibond", "slug": "wibond", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f8aca33bbbc7f098e6884aaf05d63f57bdae220.png", "website": "https://www.wibond.co/", "all_locations": "Córdoba, Cordoba, Argentina", "long_description": "Under \"Buy Now, Pay Later\" business model, Wibond is a 100% flexible digital payment method enabling the 200 million underbanked consumers without credit cards to shop online for the first time. \r\n\r\nWe integrate directly into the purchase flow of online merchants, and we offer consumers a credit, when they have already made up their mind that they want to acquire a specific product.\r\nWe provide financial and digital access to a large community of people offering payment options according to their possibilities and profile. Wibond is an inclusive and simple solution:\r\n - Consumers can create their free account to quickly access and pay without banks, in installments, and without a card.\r\n - Merchants with e-commerce channels increase their sales and integrate Wibond in a very agile way by offering a new form of payment and expanding their markets.\r\n\r\nWe’re also integrated in the purchase flow of more than 500 merchants, including Samsung, Musimundo (one of the Biggest retailers in LATAM) , and Motorola. And up to 65% of the payment transactions on these sites go through us. \r\n", "one_liner": "Affirm for LATAM ", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1641208676, "tags": [ "Banking as a Service", "Cashierless Checkout", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wibond", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/wibond.json", "year_founded": 2020, "city": "Córdoba", "country": "AR", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f8aca33bbbc7f098e6884aaf05d63f57bdae220.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": 75218, "full_name": "Ezequiel Bucai", "title": "Founder", "founder_bio": "I studied Business Administration and Public Accountant. In 2013, with Alejandro Silvestre and Gonzalo Conde, created ClickyPass: a platform where users get access to a network of more than 2,500 gyms and sports centers located in 30 cities in Argentina, Mexico and Chile. Then Classpass, the US Unicorn, acquire Clickypass.\n", "is_active": true, "linkedin_url": "https://ar.linkedin.com/pub/ezequiel-bucai/28/2a3/294/es", "x_url": "https://twitter.com/piojo.bucai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e7f4aa148fa0cb5e2def708019e8e530c525280.jpg" }, { "user_id": 853744, "full_name": "Lucrecia Porta", "title": "Founder", "founder_bio": "I am one of Wibond´s cofounders, and member of the board. Additionally, I am the Finance Director in Porta Hnos, a 140 years B-corp family company. I have always been in Financial Corporate area, working in JPMorgan as well.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucrecia-porta", "x_url": "https://twitter.com/lucreporta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4694b760a30c9180a57c7bdb336241c70c2b9ce0.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25755, "name": "Rank (formerly Moni)", "slug": "rank", "former_names": [ "Moni" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "website": "https://www.userank.com/", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa. \r\n
\r\nWe launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa.\r\n
\r\nFemi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps\r\n\r\nWe are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.\r\n", "one_liner": "Group Financing for small businesses across Africa.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642152318, "tags": [ "Banking as a Service", "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rank", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/rank.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/mwlite/company/moni-africa", "x_url": "https://twitter.com/mymoniapp", "fb_url": "https://www.facebook.com/MyMoniApp", "cb_url": "https://www.crunchbase.com/organization/moni-africa", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 215913, "full_name": "Femi Iromini", "title": "Founder", "founder_bio": "Cofounder & CEO at Moni. Previously worked with The World Bank Group. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/femiiromini/", "x_url": "https://twitter.com/femi_iromini", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4d336f57bc4e24c337e0bfa50c16658b67b04e3f.jpg" }, { "user_id": 832820, "full_name": "Adedapo Sobayo", "title": "Founder", "founder_bio": "Co-founder Moni Africa. Passion for Digital Product, Technology, Block Chain and Financial Inclusion", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adesobayo", "x_url": "https://twitter.com/adesobayo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b537c1e304c9656722313207b058b50183fca2fd.jpg" } ], "jobs": [], "news": [ { "title": "Moni's community-based model redefines access to loans for small businesses in Nigeria", "url": "https://www.trendwatching.com/innovation-of-the-day/moni-community-powered-loans-for-nigerian-small-businesses", "date": "Apr 14, 2023" }, { "title": "How Moni Africa leverages social trust to finance mobile money agents", "url": "https://techcabal.com/2022/01/19/moni-africa-funds-mobile-money-agents/", "date": "Jan 19, 2022" } ], "launches": [] }, { "id": 25758, "name": "Nash", "slug": "nash-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b78f8543daddcbab960f2418bf3909cc4b5b026.png", "website": "https://getnashglobal.com/", "all_locations": "San Francisco, CA, USA; Nairobi, Nairobi County, Kenya", "long_description": "Nash enables finance teams to manage all their finance flows in one place and craft their money flow experiences globally. Our ledger-based operating system allows your borderless business to connect all your money accounts, accounting systems, payment service providers, treasury operations, spend management in one place. \r\n\r\nOur mission is to enable borderless commerce in Africa. We achieve this initially by providing your team with all the finance tools needed to build, scale, and grow your borderless business without the need for a costly and complex in-house infrastructure. ", "one_liner": "All in one finance platform for borderless businesses in Africa", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648233823, "tags": [ "Banking as a Service", "FinOps", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Kenya", "America / Canada", "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/nash-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/nash-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/nashglobal", "x_url": "https://twitter.com/getnashglobal", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b78f8543daddcbab960f2418bf3909cc4b5b026.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 262257, "full_name": "Anthony Wagacha", "title": "Founder", "founder_bio": "Anthony is a Stanford MBA & trained Quant Actuary who has designed and rolled out multiple financial products for financial institutions in Africa. He is an ex-investment banker @Bank of America Merrill Lynch, New York; ex- Financial Services Consultant @KPMG East Africa. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/wagachaanthony", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4618a894a3d395922fac4facd4b40dbdd7b6bb87.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": 27049, "name": "Anchor", "slug": "anchor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "website": "https://getanchor.co/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Anchor provides APIs, dashboard and tools that help developers easily embed and build banking products. This includes APIs for creating bank accounts, funds transfers, savings products, issuing cards and offering loans.\r\n\r\nWe also provide regulatory coverage and continuous compliance support to our partners.", "one_liner": "Embedded finance platform for African businesses", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1660159414, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/anchor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/anchor.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/getanchor/", "x_url": "https://twitter.com/withanchor", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1013452, "full_name": "Segun Adeyemi", "title": "Founder", "founder_bio": "Segun is the CEO & Co-founder of Anchor, the BaaS and embedded finance platform for Africa. He is an entrepreneur with years of experience in the African fintech space. He previously co-founded Amplifypay, a payment company that he sold in 2019 and helped JUMO expand into Nigeria.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/segunadeyemi/", "x_url": "https://twitter.com/segunhq", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/06e1a34db0714b0d07368961fbc16a5ea37f2754.jpg" }, { "user_id": 571824, "full_name": "GBEKELOLUWA OLUFOTEBI", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://nl.linkedin.com/in/olufotebig", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/97ed80bafc2987d9c0e0ffe038ce8b8808b34a62.jpg" }, { "user_id": 1013961, "full_name": "Olamide Sobowale", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/olamide-sobowale-4677a261/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e831db026386a761c793766a60416822fd47ed0a.jpg" } ], "jobs": [], "news": [ { "title": "Nigerian banking-as-a-service startup Anchor raises $1m pre-seed round - Disrupt Africa", "url": "https://disrupt-africa.com/2022/09/02/nigerian-banking-as-a-service-startup-anchor-raises-1m-pre-seed-round/", "date": "Sep 02, 2022" }, { "title": "Nigerian YC-backed startup Anchor comes out of stealth with $1M+ to scale its banking-as-a-service platform – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerian-yc-backed-startup-anchor-comes-out-of-stealth-with-1m-to-scale-its-banking-as-a-service-platform/", "date": "Aug 29, 2022" } ], "launches": [ { "id": 65296, "title": "Anchor - Banking as a service platform for Africa", "tagline": "Build accounts, cards, savings and payments into any app! 🚀", "body": "Hey YC Fam! 👋\n\nSegun, Olamide and Gbeke here to introduce [Anchor](https://bookface.ycombinator.com/company/27049)!\n\n**_TL;DR_: Anchor makes it easy to offer accounts, money movement, savings and card products in Africa. We provide APIs, dashboard and regulatory support for developers to build, embed and launch banking products.**\n\nCheck out our documentation [here](https://docs.getanchor.co/reference/overview) & request invite [here](https://airtable.com/shr4yvnnM9obXKhVe).\n\nWe released our private beta in May. We’ve signed-on 30+ companies including the largest telco in Africa and YC companies like [Fingo](https://bookface.ycombinator.com/company/23986), [Pivo](https://bookface.ycombinator.com/company/27262), [Tizeti](https://bookface.ycombinator.com/company/1442), [Curacel](https://bookface.ycombinator.com/company/25684), etc.\n\n**Why we built this**\n\nAcross Africa today, businesses spend \\~$0.5m and wait 18months before they can go to market with simple banking products. \n\nThis is because they have to cross many hurdles including:\n\n1. rigorous licensing and compliance processes; \n2. build many integration layers; \n3. manage complex banking and third party relationships; and \n4. invest in complicated core-banking infrastructure\n\nAs founders, we witnessed these pain first-hand in our experience building and working with fintechs. \n\nWe built Anchor to abstract away the complexities, so businesses can get started in 5minutes with a few lines of code.\n\n![uploaded image](/media/?type=post&id=65296&key=user_uploads/1013452/304627b7-0a38-43d9-a652-516420774395)\n\n**Who we are**\n\nWe are repeat founders with experience in the fintech space. Segun sold his previous payment company to [Carbon](https://getcarbon.co) and worked at [JUMO](https://jumo.world/). Olamide & Gbeke have worked with top African fintechs like [Kuda](https://kuda.com/), Carbon, and [TeamApt](https://teamapt.com/), and global tech giants like Google and [Booking.com](http://Booking.com).\n\n**Our ask 🙏**\n\n1. Contact us if you want to offer wallets, accounts, cards or savings products to your African customers.\n2. Connect us with digital businesses (fintechs, Saas companies, marketplaces/e-commerce platforms, etc).  \\\n \\[\\*\\*_\\* Quick forwardable blurb_\\*\\*_: A team of YC-backed, fintech engineers recently released an API to help developers build banking products. Check them out at_ [_getanchor.co_](http://getanchor.co) _and contact_ [_founders@getanchor.co_](mailto:founders@getanchor.co)_\\]_\n\n ", "url": "https://www.ycombinator.com/launches/GzA-anchor-banking-as-a-service-platform-for-africa", "votes": 19, "created_at": "2022-08-11T13:36:59.717Z" } ] }, { "id": 28971, "name": "Kobalt Labs", "slug": "kobalt-labs", "former_names": [ "Suspense" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1c0b0e768a324b2566a3f866bf380445d3ae2fb8.png", "website": "https://www.kobaltlabs.com/", "all_locations": "New York City, NY, USA", "long_description": "Automate and strengthen manual risk and compliance operations for fintechs and banks. Given a third party contracts and documentation, Kobalt’s reasoning engine ingests internal policies and procedures, legal commitments, past privacy and compliance assessments, and syncs with external legislation to instantly auto-surface and track risks.\r\n\r\nWe're helping community/regional/sponsor banks increase revenue and scale their partnership and vendor volume, and we're helping fintechs conduct their partner diligence in 1/10 the time, all without needing to increase headcount.\r\n", "one_liner": "AI-powered risk and compliance for financial institutions", "team_size": 13, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1688528207, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Operations" ], "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/kobalt-labs", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/kobalt-labs.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kobalt-labs/", "x_url": "https://twitter.com/KobaltLabs", "fb_url": null, "cb_url": null, "github_url": "https://github.com/kobalt-labs/", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1c0b0e768a324b2566a3f866bf380445d3ae2fb8.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": 243286, "full_name": "Kalyani Ramadurgam", "title": "Founder", "founder_bio": "CEO of Kobalt Labs, previously AI research at Stanford, built financial security products at Apple, and built health data analysis tools used by governments of 13 countries at Zenysis.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kalyani-ramadurgam-4a76331b5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f92f957466e7de44ac9ee2ca2b58bcb4f8e0171.jpg" }, { "user_id": 1350031, "full_name": "Ashi Agrawal", "title": "Founder", "founder_bio": "CTO of Kobalt Labs. Ex-Affirm, Nuna, Meta. Stanford BS in Computer Science.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ashi-agrawal", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b3d821257887fb3ff04cd195327121e5a5a99e42.jpg" } ], "jobs": [ { "id": 110254, "title": "Customer Success", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/ZqSvrhd-customer-success", "location": "New York City", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110255, "title": "Software Engineer (Full Stack)", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/NpKtQhi-software-engineer-full-stack", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110256, "title": "Software Engineer (Backend)", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/16KxnbV-software-engineer-backend", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110257, "title": "Software Engineer (Tech Lead)", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/JUfGs6N-software-engineer-tech-lead", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110830, "title": "Marketing", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/Dg9bPNN-marketing", "location": "New York City", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110832, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/KOQIZvJ-product-designer", "location": "New York City", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110993, "title": "Financial Institution Partnerships", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/Auqyum2-financial-institution-partnerships", "location": "Remote / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Kobalt Labs Joins the NayaOne Tech Marketplace", "url": "https://nayaone.com/kobalt-labs-joins-the-nayaone-tech-marketplace", "date": "Aug 12, 2024" } ], "launches": [] } ]