[ { "id": 1988, "name": "Prodigal", "slug": "prodigal", "former_names": [ "Prodigal technologies", "Prodigal Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "website": "https://prodigaltech.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We build AI agents for loan servicing and collections\r\n\r\nProdigal has AI agents for loan servicing and collections. Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments.\r\n\r\nWe are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue. \r\n\r\nHeadquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.", "one_liner": "Lending Intelligence Software", "team_size": 99, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1525745154, "tags": [ "Fintech", "SaaS", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/prodigal", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/prodigal.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/prodigaltech", "x_url": "https://twitter.com/prodigaltech", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/prodigal-3824", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 78759, "full_name": "Shantanu Gangal", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shantanugangal", "x_url": "https://www.twitter.com/shantanugangal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4439a77db2c062b6338fc10ddf69b54468cb8ba3.jpg" }, { "user_id": 83869, "full_name": "Sangram Raje", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sangramraje", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a2fc45ba0161b9fcb7e6f297d72825d5229b387.jpg" } ], "jobs": [ { "id": 102428, "title": "Mid Market Account Executive", "url": "https://www.ycombinator.com/companies/prodigal/jobs/NXREZTw-mid-market-account-executive", "location": "Mountain View, California, United States", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$200K - $280K", "equity_range": "0.01% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108353, "title": "Finance Manager ", "url": "https://www.ycombinator.com/companies/prodigal/jobs/jq0CTZJ-finance-manager", "location": "Mumbai, Maharashtra, India", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹1.5M - ₹2.8M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Prodigal Unveils New Product Suite to Provide Real-Time Insights to Call Centers in Financial Services", "url": "https://www.prnewswire.com/news-releases/prodigal-unveils-new-product-suite-to-provide-real-time-insights-to-call-centers-in-financial-services-301452742.html", "date": "Oct 07, 2022" }, { "title": "Prodigal Launches Real-Time Agent Assistance for Consumer Finance", "url": "https://finance.yahoo.com/news/prodigal-launches-real-time-agent-124600628.html", "date": "Oct 07, 2022" }, { "title": "Consumer Portfolio Services Chooses Prodigal to Advance its FinTech Platform with Backend Servicing and Support in Specialty Financing", "url": "https://www.prnewswire.com/news-releases/consumer-portfolio-services-chooses-prodigal-to-advance-its-fintech-platform-with-backend-servicing-and-support-in-specialty-financing-301624719.html", "date": "Oct 07, 2022" }, { "title": "Finvi, Prodigal Partner on Revenue Recovery | PYMNTS.com", "url": "https://www.pymnts.com/partnerships/2022/finvi-prodigal-partner-conversation-intelligence-revenue-recovery/", "date": "Aug 29, 2022" }, { "title": "[Funding alert] Debt-collection software maker Prodigal raises $12M led by Menlo Ventures", "url": "https://yourstory.com/2021/07/funding-debt-collection-software-maker-prodigal-seriesa-menlo-ventures/amp", "date": "Jul 22, 2021" } ], "launches": [ { "id": 88664, "title": "PIE: Prodigal Intelligence Engine", "tagline": "Intelligence platform for consumer finance AI agents", "body": "[Launch video](https://youtu.be/YIvQ-lQGQCw?si=w3PRVeTR8UKof41J)\\\n\\\nPIE (Prodigal Intelligence Engine) is the data integration and intelligence layer that powers our specialized AI agents for consumer finance.\n\n## The Problem We're Solving\n\nAgentic AI for consumer finance is a core part of our offering. We built AI solutions for the industry long before the AI boom, gaining a deep understanding of its regulations and company-specific challenges. With the rapid evolution of GenAI, we’ve focused on building AI agents tailored for this space.\n\nWe realized that for any vertical AI agent to succeed, companies need a foundational platform that unifies data silos, structures varied data formats, and enables real-time inferencing. That’s why we built PIE.\n\nA specialized platform like PIE is crucial for AI agents in consumer finance because they must:\n\n* Understand business logic across systems, products, customer interactions, and company policies\n* Execute actions based on insights derived from unified data\n* Navigate complex federal, state, and company-specific compliance requirements\n\nConsumer finance lenders and collections companies operate with fragmented tech stacks - CRMs, Lending Management Systems, payment processors, dialers, email and SMS softwares. This results in siloed data, leading to lost insights and limited automation capabilities. Without unified data, AI agents remain one-dimensional and fail to reach their full potential.\n\n## What PIE Does\n\nAt its core, PIE is a robust data integration and intelligence platform that:\n\n* Connects to all of a company’s existing systems\n* Normalizes and structures disparate data formats into a unified schema\n* Enriches internal data with relevant external sources\n* Maintains real-time synchronization across all systems\n* Generates inferences and insights that are directly usable by applications and AI agents\n* Provides a standardized intelligence layer for AI applications\n\n## Why This Matters\n\nThis unified data foundation enables our AI agents (ProAgent, ScoreGenie, and more) to access complete context for every customer interaction. With PIE, an AI agent handling a collections call can simultaneously understand:\n\n* Account delinquency history\n* Previous payment patterns\n* Cross-channel interaction records\n* Demographic information\n* Communication preferences\n* Regulatory requirements\n* Propensity to pay scoring\n* Affinity for settlements, offers, and discounts\n* Channel affinity\n\nThe result: Consumer finance AI agents built on PIE have full situational awareness, enabling personalized interactions that drive results and seamlessly automate complex workflows across systems. \n\n## How It Works\n\nWe've built PIE as a modular system with:\n\n* Flexible connectors for all major systems in collections and consumer finance, leveraging our deep industry expertise to build scalable integrations quickly\n* A scalable data processing pipeline handling millions of records\n* A secure multi-tenant architecture with strict data isolation\n* Real-time bidirectional sync to maintain system integrity\n* Custom inference models for consumer finance and collections-specific insights\n\nPIE connects to all customer systems, standardizes incoming data, analyzes millions of records, and generates actionable insights that help collections specialisits and AI agents to implement novel strategies and maximize payments.\n\n![uploaded image](/media/?type=post&id=88664&key=user_uploads/78759/f6ef8576-fbe7-4519-9108-5b22beac3b64)\n\n", "url": "https://www.ycombinator.com/launches/N44-pie-prodigal-intelligence-engine", "votes": 6, "created_at": "2025-03-16T20:21:51.960Z" } ] }, { "id": 12095, "name": "Upsolve", "slug": "upsolve", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d5de4c1412998050fa2085e9dbcb8dee8ebd735.png", "website": "https://upsolve.org/learn/should-i-file-for-chapter-7-bankruptcy/", "all_locations": "Boston, MA, USA; New York, NY, USA", "long_description": "Upsolve is a tech-driven nonprofit that helps low-income Americans overcome debt and rebuild credit at scale. Upsolve was founded in Harvard Law School’s Access to Justice Lab in 2016. Since then, Upsolve has become the nation’s most visited nonprofit financial education site. Upsolve.org educates approximately 2.9 million people a year with 2,000 articles on an array of debt and credit topics. To date, Upsolve’s free DIY bankruptcy filing tool has been used by over 14,000 families to relieve over $600,000,000 in debt. Upsolve users are disproportionately Black and Brown with an average household income of $25,000. Upsolve is now launching a suite of AI tools to help low-income Americans resolve their financial distress earlier. ", "one_liner": "Helping low-income Americans overcome debt and rebuild credit at…", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1541720034, "tags": [ "Fintech", "Nonprofit", "LegalTech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": true, "batch": "Winter 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/upsolve", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/upsolve.json", "year_founded": null, "city": "Boston", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/upsolvebk", "fb_url": "https://www.facebook.com/upsolvebankruptcy/", "cb_url": "https://www.crunchbase.com/organization/prudence-lasb", "github_url": "https://github.com/Upsolve", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d5de4c1412998050fa2085e9dbcb8dee8ebd735.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/9db61d8a2bd6d4f9c6d6960781ec7eb7aed93b55.png" ], "primary_partner": null, "founders": [ { "user_id": 144819, "full_name": "Jonathan Petts", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonathanpetts", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4cafa9241bb0b788c5b688eba8246150e014ac18.jpg" } ], "jobs": [ { "id": 80380, "title": "Software Engineering Intern", "url": "https://www.ycombinator.com/companies/upsolve/jobs/crUJNwV-software-engineering-intern", "location": "US / Remote (US)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "$4.5K / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "JavaScript", "React" ] } ], "news": [], "launches": [] }, { "id": 13335, "name": "Kosh", "slug": "kosh", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "website": "https://getkosh.com", "all_locations": "Gurugram, HR, India; HR, India", "long_description": "Kosh is a digital lending platform in India, empowering blue-collar workers with a unique joint liability model (much like microfinance but for a different segment). The social component of their underwriting helps control credit risk significantly and lower CAC/Opex in one go, making this 150mn-strong segment credit-worthy.", "one_liner": "Creating Microfinance 2.0.", "team_size": 56, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583792143, "tags": [ "Fintech", "Social", "India", "Consumer Finance", "Diversity & Inclusion" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kosh", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/kosh.json", "year_founded": 2020, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/getkosh/", "x_url": "", "fb_url": "https://www.facebook.com/getkosh/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 369878, "full_name": "Sahil Bansal", "title": "Founder", "founder_bio": "Cofounder of Kosh. 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", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aayushgoel92/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f0645a0961c0db202472ca0f3cbda9c584854ab.jpg" } ], "jobs": [], "news": [ { "title": "2022 In Review: The Best Of Inc42’s 30 Startups To Watch", "url": "https://inc42.com/startups/2022-in-review-the-best-of-inc42s-30-startups-to-watch/", "date": "Jan 05, 2023" }, { "title": "Kosh", "url": "https://www.forbes.com/profile/kosh/?list=30under30-asia-social-impact&sh=c4a86692c578", "date": "Aug 05, 2022" }, { "title": "Y Combinator-backed Kosh is a neobank for blue-collar workers in India | TechCrunch", "url": "https://techcrunch.com/2020/03/19/y-combinator-backed-kosh-is-a-neobank-for-blue-collar-workers-in-india/", "date": "Mar 19, 2020" } ], "launches": [] }, { "id": 13495, "name": "Fondeadora", "slug": "fondeadora", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/be08dda4b90b3b9b6dacc5ba166478966c41fd79.png", "website": "https://fondeadora.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Fondeadora is the digital alternative to the traditional Mexican banking system. We know that the current system is broken and we want to fix it. Our mission is to free people from their banks by giving them back control over their money. We want to serve the 54 million Mexicans who are unhappy with their current banks and the 65 million of Mexicans who currently do not have a bank account.\r\n\r\nOur first product is a mobile banking app and an international Mastercard debit card so you can spend, store and move your money seamlessly, completely fee-free.\r\n\r\nJoin us in this magical mystical ride.", "one_liner": "We are connecting every single Mexican to the financial system.", "team_size": 160, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583971276, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fondeadora", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/fondeadora.json", "year_founded": 2018, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/fondeadora/", "x_url": "https://twitter.com/Fondeadora", "fb_url": "https://www.facebook.com/FondeadoraMx", "cb_url": "https://www.crunchbase.com/organization/fondeadora", "github_url": "https://github.com/Fondeadora", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/be08dda4b90b3b9b6dacc5ba166478966c41fd79.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5982b3fd74218b6dfeae49c90bec1139659d0a1f.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 424093, "full_name": "Norman Müller", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": " https://www.linkedin.com/in/norman-m%C3%BCller-6b93a857/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3eb93e14fdcebe0dce91b46d03a09aa22bac2df9.jpg" }, { "user_id": 163010, "full_name": "Rene Serrano", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://mx.linkedin.com/in/serranorene", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/581294ef65f6a6079d7c565b9ba53ffef010e76e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22196, "name": "MedPiper Technologies, Inc", "slug": "medpiper-technologies-inc", "former_names": [ "MedPiper Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f7d30e3e30894c40033c853cefa3efa02ec9f54b.png", "website": "https://www.medpiper.com", "all_locations": "Bengaluru, KA, India; Remote", "long_description": "OrbitCover (by MedPiper Technologies, YC S20) is parametric travel insurance infrastructure. We power flight delay coverage that auto-settles payouts in under 5 minutes; with zero claims filing.", "one_liner": "Instant cash payouts for delayed flights", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1597677447, "tags": [ "Fintech", "Travel", "Insurance", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/medpiper-technologies-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/medpiper-technologies-inc.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/28735812/", "x_url": "https://twitter.com/medpiper", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/medpiper", "github_url": "https://github.com/MedPiperGlobal", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f7d30e3e30894c40033c853cefa3efa02ec9f54b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 413601, "full_name": "Nitthin Nair", "title": "Founder", "founder_bio": "Founder CEO at MedPiper. 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I helped the company grow from an idea while I was in college to a leading BNPL and payment solution in Mexico with +$20M in funding, millions of dollars in revenue and dozens of employees.", "is_active": false, "linkedin_url": "https://linkedin.com/in/rogeliorea", "x_url": "https://twitter.com/rogereur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc37b9fbf98ed57b1c4b58556878e4b135af0557.jpg" }, { "user_id": 361947, "full_name": "Alejandro Chavez", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/alejandro-chavez/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/108f6fa2f8cf81565385b97a38fc2a4279943884.jpg" } ], "jobs": [], "news": [ { "title": "Atrato | Un nuevo trato para las compras alejadas de los bancos", "url": "https://www.forbes.com.mx/atrato-un-nuevo-trato-para-las-compras-alejadas-de-los-bancos/", "date": "Feb 15, 2022" }, { "title": "La fintech Atrato consigue 15 mdd en deuda; agilizará su sistema 'buy now, pay later'", "url": "https://www.forbes.com.mx/fintech-atrato-15-mdd-deuda-agilizara-sistema-buy-now-pay-later/", "date": "Sep 02, 2021" } ], "launches": [] }, { "id": 22668, "name": "Hapi", "slug": "hapi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/af60ab7f35a66c928467a7fc0641b82466842558.png", "website": "https://hapi.trade/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Hapi democratizes investing for consumers in Latin America.\r\n\r\nWe let anyone from Latam easily invest in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.", "one_liner": "Stocks and cryptos trading app with zero commissions and no minimums…", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1612134028, "tags": [ "Fintech", "Finance", "Consumer Finance", "Trading", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/hapi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/hapi.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/hapi-app/", "x_url": "https://x.com/hapiapp_", "fb_url": "https://www.facebook.com/imhapiapp/", "cb_url": "https://www.crunchbase.com/organization/hapi-app", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/af60ab7f35a66c928467a7fc0641b82466842558.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": 220892, "full_name": "Dusko Kelez", "title": "Founder", "founder_bio": "CoFounder and CEO at Hapi, investments app focused in consumers from Latin America.\nFormer COO at Grin Scooters and COO at Taximo. 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It also tracks your net worth, reminds you about bills, and keeps you in line with your budgets.", "one_liner": "AI Agent for your personal finances", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1674772876, "tags": [ "Fintech", "Consumer Finance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/maxi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/maxi.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/maxi-app/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/thread-6984", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/74fe59b0fad86e3ef763c2294a3eb1d69431df2b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 817842, "full_name": "Akeem Williams", "title": "Founder", "founder_bio": "Building cool things :) \nEx-Microsoft / Morgan Stanley", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/akeem-williams-aa88b5140/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5b2d0e4b19bc359f06d6479435b692a2c82d1e5.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69972, "title": "Thread - Incident management for large enterprises", "tagline": "We take the best practices from Amazon and Microsoft and make them available to all engineering organizations.", "body": "Hi everyone! We’re Yuheng, Akeem, and Harsha, the co-founders of Thread.\n\n**tldr: Thread is incident management for large enterprises. We take the best practices from Amazon and Microsoft and make them available to all engineering organizations.**\n\n### **Problem ❌:**\n\nIncidents are the most stressful part of any live production service, and engineers are often ill-prepared for dealing with them… especially in large enterprises. As enterprises move to the cloud and microservice architecture, embrace remote work, and pick up increasingly more tooling for incidents, engineers face growing difficulty identifying and resolving complex system issues.\n\n* APMs, such as Datadog and New Relic, **overwhelm engineers with data and lack contextual information, making problem-solving a challenge.**\n* Customer support help desks, like Zendesk, **often provide inadequate information when creating tickets, leading to a frustrating cycle of questions for engineers.**\n* Alerting and ITSM tools, such as Pagerduty and ServiceNow, **alert engineering teams but often lack the necessary context for efficient issue resolution.**\n\nNot to mention, leadership still lacks visibility into incident details and progression.\n\nIt's like trying to solve a puzzle with missing pieces and no picture on the box.\n\n### **Solution 💡:**\n\nThe gold standard for incident management workflows is straightforward to describe, but it is incredibly difficult to implement in practice, especially at enterprise scale.\n\nThe four pillars are:\n\n**Detection**: identifying the bug using either a monitoring tool or a customer service tool\n\n**Routing**: getting the ticket to the right person that can solve the issue, using paging tools and communication tools\n\n**Resolution**: using context-providing tools like session replays and streamlined data providers to help solve the issue\n\n**Learning**: identifying the root cause of the issue and generating future workflows to more adeptly solve the problem (or prevent it from happening again)\n\nEnter **Thread:**\n\n![uploaded image](/media/?type=post&id=69972&key=user_uploads/1146884/e2dd7ee3-17c8-45d5-a047-eb5305106c76)\n\nThread offers engineers a customized configuration management database with runbooks, past tickets, monitoring data, and recommended actions for diagnosing and resolving incidents.\n\nWe also provide real-time updates and summaries to leadership and stakeholders during critical incidents, identifying bottlenecks in workflows to prevent future issues.\n\nWhy settle for a single tool that might not fit all your needs? Our platform allows teams to bring in their favorite tools to create a tailor-made solution.\n\n![uploaded image](/media/?type=post&id=69972&key=user_uploads/1146884/417624ff-51f1-426f-93ef-8c792f1758f7)\n\n### **Why us?**\n\nWe’re 3 ex-Microsoft/Amazon engineers who built these tools and processes on our respective teams (Microsoft Store and Prime Video). We want to take what we learned and build an even better solution for the millions of engineers out there, so no one has to face the existential dread of on-call panic ever again.\n\n### **Our Ask ❤️:**\n\nIf you or anyone in your network knows a VP/Director of Engineering at a large enterprise, around fortune 500 level, (**bonus points if their org currently uses tools like ServiceNow**) who would be open to using a 3rd party tool to improve their incident management, processes, and/or learnings, **we’d love an intro.**\n\nIf you have enterprise-level experience with **any of the above tools, we want to hear from you!** We're always striving to improve our integrations and bridge any gaps in the incident management process. Share your experiences with us!\n\nReach out to us at [**founders@usethread.io**](mailto:founders@usethread.io)! We’d love to chat!", "url": "https://www.ycombinator.com/launches/ICa-thread-incident-management-for-large-enterprises", "votes": 730, "created_at": "2023-03-06T19:49:50.961Z" } ] }, { "id": 28886, "name": "Cardinal Gray", "slug": "cardinal-gray", "former_names": [ "Cardinal Gray Incorporated" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.png", "website": "https://www.cardinalgray.com/", "all_locations": "New York City, NY, USA", "long_description": "When a lender gives out a car loan, they need to file a lien with their borrower’s DMV. This is difficult because the process varies by state and county. We’ve leveraged LLMs to help lenders automate lien filings for over $1B of loans.", "one_liner": "Automating lenders' interactions with the DMV", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1687970738, "tags": [ "Enterprise Software", "Consumer Finance", "Automation", "AI", "Automotive" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cardinal-gray", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/cardinal-gray.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cardinal-gray/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1136419, "full_name": "Jack Chapman", "title": "Founder", "founder_bio": "CEO @ Cardinal Gray", "is_active": true, "linkedin_url": "https://linkedin.com/in/jack-chapman-2b7b75153", "x_url": "https://x.com/chapolantern", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/87582e783c75d6f4de9e3bdb90d15c0513018c2c.jpg" }, { "user_id": 1479733, "full_name": "Muhammad Khattak", "title": "Founder", "founder_bio": "Cofounder @ CG | Prev. R&D Engineer at Veridise, Stanford Philosophy", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/muhammad-khattak-b87a73156/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/40007bd00d02fef789ad9f4d0ec2f62aa7b70f29.jpg" }, { "user_id": 1163950, "full_name": "Grant Pease", "title": "Founder", "founder_bio": "Cofounder @ Cardinal Gray\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/grantpease1017brr", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37a1e83754a66d84681c97389898e76cc1e2d256.jpg" } ], "jobs": [ { "id": 82553, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/cardinal-gray/jobs/AcQcqtv-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $160K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "HTML", "JavaScript", "React", "TypeScript", "Software Architecture", "Prompt Engineering" ] } ], "news": [], "launches": [ { "id": 74164, "title": "Cardinal Gray - Helping auto lenders instantly send title data to DMVs", "tagline": "Auto lenders spend 30M hours a year sending title documents to 50 different state DMVs. Cardinal Gray automates this.", "body": "### **Our Team**\n\n![uploaded image](/media/?type=post&id=74164&key=user_uploads/1136419/54416cc8-471b-4684-855a-0b4cd7f37fe0)\n\nHey! We’re Grant, Muhammad, and Jack. We’re building titling tools for auto lenders. For example, when a loan gets paid off, we instantly release the lien placed on the car.\n\nBefore we jump into it, you might be wondering: what is a lien? A lien is a legal claim auto lenders file with the DMV to establish their legal claim over a borrower's car and secure the loan payments, but managing this collateral with the DMV is a headache for lenders.\n\n### **The Problem**\n\nAuto lenders spend 30 million hours a year sending title documents to 50 different state DMVs. At Cardinal Gray, we’re automating this.\n\nTitle work is time intensive because lenders’ systems are not connected to DMV systems. Lenders spend >$2 Billion each year on employee labor to manually aggregate and forward the relevant data and documents to state governments.\n\nFor lenders, a slow lien filing process can lead to billions of dollars in unsecured loans. A slow lien release process creates tension with dealerships and customers because car ownership can’t be transferred until a lien gets released.\n\nOn top of this, manual processes lead to errors. At any given time, 20% of lien filings are inaccurate.\n\n### **Our Product**\n\nWe fix this by interfacing with lender and DMV databases. Our software monitors a lender’s loan data, and when a loan gets created or paid off, we ping the appropriate DMV to file or release the lien. When a DMV creates or edits data, we reference this change with the bank and resolve discrepancies before they cause issues.\n\n### **How We Found This**\n\nA year ago, we were trying to create a decentralized marketplace for car loans. We actually applied to YC’s W23 batch with this idea, and we were told that it was too complex and that it was unclear why it required blockchain. They were right. We were boiling the ocean.\n\nAs we continued investigating auto lending, we discovered dealerships originate roughly 80% of all auto loans, and lenders automate credit decisions and funding at the same rate. We realized that a major bottleneck to automated car financing was manual title work, so we did a deep dive into DMV systems. As it turns out, this work can also be automated.\n\n### **Our Ask**\n\n* **Are you in auto lending?** We’d love to meet. Shoot us an email at [founders@cardinalgray.com](mailto:founders@cardinalgray.com)\n* **Do you know anyone in auto lending?** We’d love to be introduced. We have a strong pipeline, but the more the merrier.\n\n🧯 get in touch / [cardinalgray.com](http://cardinalgray.com) / [founders@cardinalgray.com](mailto:founders@cardinalgray.com)", "url": "https://www.ycombinator.com/launches/JIC-cardinal-gray-helping-auto-lenders-instantly-send-title-data-to-dmvs", "votes": 48, "created_at": "2023-08-16T18:28:21.150Z" } ] }, { "id": 28965, "name": "Yenmo", "slug": "yenmo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "website": "https://yenmo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate.\r\n\r\nOur Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.", "one_liner": "Secured consumer lending in India", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1708901041, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/yenmo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/yenmo.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/yenmo-in/", "x_url": "https://twitter.com/yenmo_official", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1058266, "full_name": "Ashutosh Purohit", "title": "Founder", "founder_bio": "Passionate about providing the best financial solutions for Indians! \nAt Navi, I led the creation and growth of their Mutual fund arm, going from 0 to $625M AUM in a year. Previously, at Swiggy, I spearheaded expansion from 30 to 500 cities in 1.5 years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ashutoshpurohit97", "x_url": "https://twitter.com/ashutoshpuro97", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/21f40d3ac69ca53f124aa1119965f1bb0e725b10.jpg" }, { "user_id": 1105961, "full_name": "Aryan Agarwal", "title": "Founder", "founder_bio": "Finance and Tech enthusiast working towards empowering Indians with new and innovative credit solutions. Worked at Browserstack for 2 Years before starting a Capital Management Company based out of India with over $2 million AUM.", "is_active": true, "linkedin_url": "https://linkedin.com/in/aryanag15", "x_url": "https://twitter.com/AryanAg15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e6c7dd3a965a5cf39d9f03c4e54a0a7ace740bc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78731, "title": "Yenmo - Instant loans against investments", "tagline": "Enabling Indians to access cash without the need to sell their investments", "body": "**TL;DR:** [Yenmo](https://yenmo.in) offers a better way to access cash for **India’s 60 million investors** who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can **pledge their investments digitally** and instantly get a loan at a **flat 10.5% interest rate**.\n\n_Our Insight -_ **In India,** **over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.**\n\n### 🧨 **What is the Problem?**\n\nIn India, with over 60 million investors in stocks and mutual funds, a staggering 50% of individuals resort to personal loans to fulfill liquidity needs. \n\nWhen these investors need funds, they are faced with two unfavorable options:\n\n**1-** Liquidating investments, which means losing out on the compounding growth of investments and also often incurring capital gains taxes of up to 35%\n\n**2-** Taking out a personal loan at over 18% interest.\n\nMany investors have earmarked their investments for specific future needs, such as their child's education or their retirement. For these individuals, liquidating investments is a last resort, leaving them with the burden of high-interest personal loans.\n\n### 🛠️ **Our Solution:**\n\nIntroducing Yenmo! We empower Indian investors to borrow against their investments \\[such as Mutual Funds and stocks\\] at a flat 10.5% interest rate, all in less than 5 minutes. Developed in collaboration with leading financial institutions and government agencies, we are revolutionizing how investors access liquidity.\n\nWith us, investors can view all their investments in real time, select the assets they wish to borrow against and receive funds directly into their bank accounts. This allows their investments to continue growing for the long term while fulfilling immediate financial needs effortlessly.\n\n\n\n### 🌟 **Our purpose**\n\nTo empower every Indian with the best financial solutions tailored to their unique conditions. We believe Loan Against Investments is an excellent starting point for this endeavor. Despite being ideal for the Indian market, this product is currently either not offered by financial institutions or when offered, is a very tedious process.\n\nWe aim to provide better financial products to customers by reimagining loans, credit cards, credit on UPI, and BNPL services in a way that can leverage their investments to unlock more value.\n\nUltimately, our goal is to evolve into the go-to destination for all Indian consumers seeking comprehensive financial solutions.\n\n### 👨‍💼 **About us**\n\n[Ashutosh](https://www.linkedin.com/in/ashutoshpurohit97/) started digging deep into the problem while he was working at one of the largest fintechs in India. He discovered over 30% of users who were taking a personal loan had active investments but they just weren’t aware of an option to take a loan against their investments. He quickly called the best coder he knew - [Aryan](https://www.linkedin.com/in/aryanag15/), who was running a capital management company, to join him to build something big! Apart from being from the same college, both of them have a shared passion for being deeply obsessed with financial products.\n\n![uploaded image](/media/?type=post&id=78731&key=user_uploads/1105961/cd36991d-f7a3-4d56-9eea-bdc9d3c6b11a)\n\n> In photo (left to right) - Ashutosh Purohit, Aryan Agarwal\n\nDownload [Yenmo](https://yenmo.in) today!  [Apple App Store](https://apps.apple.com/in/app/yenmo/id6477531049) | [Play Store](https://play.google.com/store/apps/details?id=in.yenmo&hl=en&gl=US)\n\nDon't let high-interest loans hold you back. Download Yenmo today and unlock the full potential of your investments, with easy access to liquidity when you need it most.", "url": "https://www.ycombinator.com/launches/KTr-yenmo-instant-loans-against-investments", "votes": 140, "created_at": "2024-02-25T22:44:18.512Z" } ] }, { "id": 29093, "name": "Roame", "slug": "roame", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f2575793e5340c7b238109e6ddb277c072e9469.png", "website": "https://roame.travel/", "all_locations": "San Francisco, CA, USA", "long_description": "Roame is flight search engine design for credit card points and miles. We help travelers redeem their points for dream vacations in seconds rather than days.\r\n\r\nAt Roame, we are on a mission to revolutionize travel and consumer finance. We stand at the intersection of travel tech and fintech.", "one_liner": "Flight search engine using credit card points and miles", "team_size": 3, "industry": "Consumer", "subindustry": "Consumer -> Travel, Leisure and Tourism", "launched_at": 1685728226, "tags": [ "SaaS", "Travel", "Airlines", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Consumer", "Travel, Leisure and Tourism" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/roame", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/roame.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/roametravel/", "x_url": "https://twitter.com/roametravel", "fb_url": "https://www.facebook.com/groups/roame/", "cb_url": "https://www.crunchbase.com/organization/roame-travel/", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f2575793e5340c7b238109e6ddb277c072e9469.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": 1214689, "full_name": "Tim Qin", "title": "Founder", "founder_bio": "Tim is the co-founder & CEO of Roame (S23). Over the last few years, he has invested billions of dollars in internet travel and financial services companies while working at UBS Asset Management, Fidelity, and Affiliated Managers Group. Tim started his career as an engineer at Lockheed Martin.\n\nTim received an MBA from Harvard Business School and a BS in Operations Engineering from Columbia University.\n\nFor investment inquiries: tim@roame.travel", "is_active": true, "linkedin_url": "https://linkedin.com/in/timqin", "x_url": "https://x.com/timtqin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ea315bcec594efab1aebbb631ddc3c0e974cb37.jpg" }, { "user_id": 39955, "full_name": "Zi Liu", "title": "Founder", "founder_bio": "Zi (CTO) ran all of Airbnb’s encryption services, creating and managing billions of cryptographic requests from payments vaulting to healthcare data. He started his career in Machine Vision AI processing at the Department of Defense in Oak Ridge. Zi studied computer science at Dartmouth.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ziyuanliu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d58a5fd7d90138ce06e5edb6879d7d13cc057c53.jpg" } ], "jobs": [ { "id": 102290, "title": "Founding Growth Lead", "url": "https://www.ycombinator.com/companies/roame/jobs/zIcqBhL-founding-growth-lead", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102742, "title": "Lead Full-Stack Engineer ", "url": "https://www.ycombinator.com/companies/roame/jobs/mqqfa38-lead-full-stack-engineer", "location": "US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$175K - $250K", "equity_range": "0.50% - 2.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103197, "title": "Content Systems Builder / Editor", "url": "https://www.ycombinator.com/companies/roame/jobs/KuVVqSh-content-systems-builder-editor", "location": "US / Remote (US)", "type": "Contract", "role": "Marketing", "role_type": null, "salary_range": "$40K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 111233, "title": "Marketing & Partnerships Lead", "url": "https://www.ycombinator.com/companies/roame/jobs/qm0TNqs-marketing-partnerships-lead", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $160K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 72364, "title": "✈️ Roame - Google Flights using points & miles", "tagline": "Maximize the value of your credit card points and miles with the best-in-class award travel search engine", "body": "### **TL;DR:**\n\nAt [**Roame**](https://roame.travel/), our goal is to help you maximize the value of your credit card points and miles while reducing the work needed by 100x. \n\nCredit card points and miles have become so widespread that it’s essentially an $100+ billion asset class. Yet, the process to redeem those points for outsized-valued flights is quite convoluted. Everyone wants to redeem an international first class ticket for 70K points, but few know how and the process can take up to 30 hours to fully optimize. Experts know the tricks of redeeming points, but most people, including frequent flyers, do not.\n\n### **⭐️ Team**\n\n![uploaded image](/media/?type=post&id=72364&key=user_uploads/1214689/fde7241e-261f-4e2e-8376-0834cd643e38)\n\nOur First Class Japan Airlines flight from Tokyo to San Francisco, booked for just 70K miles each using [**Roame**](https://roame.travel/)!\n\n[**Tim Qin**](https://www.linkedin.com/in/timqin/) **(CEO)** is a points and miles geek. He spent the last 10 years as a successful investor and operator in internet travel, financial services, and ad-tech companies, earning more than a hundred million for clients.\n\n[**Zi Liu**](https://www.linkedin.com/in/ziyuanliu/) **(CTO)** is a full-stack software engineer. He was most recently in charge of Airbnb’s encryption services, creating and managing billions of cryptographic requests.\n\n### **❌ Problem**\n\n1. **Data** access is limited and fragmented for points redemptions. What you find on the travel portals are oftentimes not the best deals.\n2. **Time-consuming** to find flights and hotels to book using points. Can take up to 30 hours per trip to search across multiple loyalty programs to take advantage of complicated award redemption rules and that’s just for 1 ticket.\n3. **Underutilization** of points and miles leading to dissatisfaction and churn. Chase / Amex portals allow customers to book flights using points-to-cents value on a 1:1 to 1:1.5 ratio, whereas the true value of points can only be realized through airline partner transfers where users can find points-to-cents value ratio up to **1:25**!\n\n### **✨ Solution**\n\nWe built [Roame](https://roame.travel/) as the best-in-class award flight search engine, supporting 12 airline loyalty programs and delivering results in  seconds. We even one-up Google Flights by allowing you to search from multiple origin and destination airports including entire states, countries, and even continents.\n\n![uploaded image](/media/?type=post&id=72364&key=user_uploads/1214689/673c55d7-864f-406b-b298-6dfdee20e42c)\n\nWe currently search for points redemption availability across these 12 airline programs and their partners airlines (180+):\n\n 1. AeroMexico Club Premier\n 2. Air Canada Aeroplan\n 3. Air France / KLM Flying Blue\n 4. Alaska Mileage Plan\n 5. American Airlines AAdvantage\n 6. Avianca Lifemiles\n 7. Delta SkyMiles\n 8. Emirates Skywards\n 9. Iberia Plus\n10. Jetblue TrueBlue\n11. United Airlines MileagePlus\n12. Virgin Atlantic Flying Club\n\n### **🙏 Asks**\n\n* **Sign up** for [**Roame**](https://roame.travel/) and search for **free**! Would love feedback or suggestions on how we can make Roame better serve your points journey.\n* Connect us with **credit card issuers** (Chase, American Express, Citi, Capital One, Wells Fargo, etc.), **networks** (Visa, Mastercard, etc.), **personal finance gurus/apps** (CreditKarma, NerdWallet, CreditSesame, etc.), and **travel bloggers/content writers**.\n\nMaximize the value of your points and miles with [Roame](https://roame.travel/) ✈️\\\nYou can follow us on [Instagram](https://www.instagram.com/roame.travel/) or [Twitter](https://twitter.com/roametravel). You can also reach us at [founders@roame.travel](mailto:founders@roame.travel).", "url": "https://www.ycombinator.com/launches/IpA-roame-google-flights-using-points-miles", "votes": 461, "created_at": "2023-06-19T15:25:11.058Z" } ] }, { "id": 29100, "name": "CheqUPI", "slug": "chequpi", "former_names": [ "Terrafin Solutions Pvt Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "website": "https://www.cheq.money", "all_locations": "Bengaluru, KA, India; San Francisco, CA, USA", "long_description": "Cheq is a modern UPI payments app for NRIs and international citizens visiting India. \r\nUsing Cheq, you can pay digitally at over 55mn+ merchants across India. \r\nWe help tourists avoid ATMs and minimize their foreign exchange costs while in India.\r\n\r\n\r\n", "one_liner": "India's first UPI wallet for foreign nationals and NRIs", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1690215615, "tags": [ "Fintech", "Payments", "India", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "India", "United States of America", "South Asia", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/chequpi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/chequpi.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/cheq-it/", "x_url": "https://twitter.com/cheqit_", "fb_url": "https://instagram.com/cheqit_", "cb_url": "https://www.crunchbase.com/organization/cheq-money", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 267716, "full_name": "Sudhanshu Shekhar", "title": "Founder", "founder_bio": "Building Cheq UPI - A better payments app for foreign nationals and NRIs visiting India.\n\nPrevious work experience: Ispirt, Zeta, Headout, Walmart", "is_active": true, "linkedin_url": "https://linkedin.com/in/sudshekhar02", "x_url": "https://twitter.com/sudshekhar02", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce41d08bd1f25e97db6131c543b0cc452940bc99.jpg" }, { "user_id": 513391, "full_name": "Manish Shukla", "title": "Founder", "founder_bio": "Building Cheq UPI to enhance the digital payment experience of foreign nationals and NRIs\n\nPrevious experience: Zeta, Ispirt ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mkshukla", "x_url": "https://twitter.com/mani__shukla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86497d951933f5eb478ffee2d0a23b7f49fd5413.jpg" } ], "jobs": [], "news": [ { "title": "Foreign tourists go cashless in India: Cheq in partnership with Transcorp issues UPI wallets to users from 8 nationalities, ET TravelWorld", "url": "https://travel.economictimes.indiatimes.com/news/technology/foreign-tourists-go-cashless-in-india-cheq-in-partnership-with-transcorp-issues-upi-wallets-to-users-from-8-nationalities/99107922", "date": "Mar 31, 2023" }, { "title": "Cheq Launches India's First UPI-enabled Payment Wallet for Foreign Tourists | Zee Business", "url": "https://www.zeebiz.com/agencies/cheq-launches-indias-first-upi-enabled-payment-wallet-for-foreign-tourists-223058", "date": "Feb 22, 2023" } ], "launches": [ { "id": 73875, "title": "Cheq UPI: Digital payments for NRIs and foreigners in India", "tagline": "Cheq is India's 1st UPI payment app for international citizens and NRIs", "body": "Hi everyone!\n\nCheq is a UPI payment wallet for Non-Resident Indians (NRIs) and foreign citizens visiting India.\n\nUsing Cheq, you can purchase almost any goods/services across India 🇮🇳. \\\nJust scan the merchant QR code / choose the pay by UPI id option to make the purchase. We accept all international debit/credit cards and support international phone numbers.\n\n### Foreigners Struggle to make payments in India\n\nMost foreigners visiting India will invariably face one of the below problems👇\n\n1. Indian merchant not accepting your international credit card\n2. Indian merchants not tendering exact loose change (you’ll collect lots of candies!)\n3. Unavailability of ATMs/money changers at remote locations\n\n### Indian Expats struggle to make payments in India\n\n1. Enabling UPI on an international number doesn’t work.\n2. Linking NRE/NRO accounts to UPI does not work\n3. NRE/NRO accounts are linked to the customer’s (often deactivated) Indian phone number.\n\nMore than **10mn+** **international citizens** visiting India each year regularly **face issues in making payments**!\n\n### Cheq UPI lets foreigners pay digitally in India 🇮🇳\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/4bd562de-f083-45f2-aa36-84e50bd3beb6)\n\n1. Cheq provides NRIs/Tourists with a digital UPI wallet that can be used to purchase goods/services across 55mn+ merchants across India\n2. Users can add money to their Cheq wallet anytime, anywhere via their international debit/credit card 💳\n3. Purchasing INR through Cheq is much cheaper than exchanging currency at the airport. We strive to serve you for less.\n4. Having Cheq, lets you travel throughout India cashlessly. Your bank card details remain safe from ATM fraud and clone attacks.\n\n### People from 16 different nationalities are already using Cheq UPI\n\n[Meet our customers](https://www.youtube.com/watch?v=4Ct5WY9vOz4)\n\n[Renatha, from Brazil, goes cashless in India](https://www.youtube.com/shorts/L_w7OWK-Uqo)\n\n[Leo loves Cheq UPI](https://www.youtube.com/watch?v=LgI7HJTH8Uw&t=1s)\n\nNote: Cheq accounts can only be activated after the customer finishes in-person passport verification in India. We provide at-home verification facilities in more than 22 cities across India.\n\n### Pricing\n\nWe charge a one-time joining fee of Rs 800 (10$) to every customer. This covers the cost of verifying your profile and running our business.\n\n### Meet the team\n\nWe are [@Manish Shukla](https://www.linkedin.com/in/mkshukla/) and [@Sudhanshu Shekhar,](https://www.linkedin.com/in/sudshekhar02/) the co-founders of [@CheqUPI](https://www.chequpi.com). Both of us are passionate about finance and technology and we’ve known each other for 12 years now.\n\nHaving lived the life of an expat abroad, we’re empathetic to the problems being faced by them in the Indian market. Our goal with Cheq is to make life a little easier for every traveler visiting India.\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/c174b7e2-8d6c-43e5-8a06-658a93da2e82)\n\n### Can you help us grow? 🙏\n\n1. We just launched today on Product Hunt! If you actively use PH, please drop us an upvote 🙂 \\\n \n2. If you know any companies/startups frequently sending travelers to India, please put me in touch with their founders/representatives. We’ll provide them with the best fintech experience in India ✨ \\\n ( reach me at sudhanshu@[cheq.money](http://cheq.money) )\n3. If you’re traveling to India, [Download our app](https://link-to.app/chequpiwebsite)\n\nIf you have any questions/feedback on the services offered by Cheq, please don’t hesitate to reach out!\n\nThank you\n\n### Connect with us👇\n\n1. Cheq:\n 1. Product link: \n 2. Website: \n2. Founders\n 1. Sudhanshu - \n 2. Manish - ", "url": "https://www.ycombinator.com/launches/JDX-cheq-upi-digital-payments-for-nris-and-foreigners-in-india", "votes": 22, "created_at": "2023-08-07T18:38:34.759Z" } ] }, { "id": 29796, "name": "Finosu", "slug": "finosu", "former_names": [ "Cedar Star" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "website": "https://www.finosu.com", "all_locations": "New York City, NY, USA", "long_description": "Hi - Mark and Gab here!\r\n\r\nWe met while working at Alt, a marketplace for collectibles, where we built a $200 million specialty finance business line. At Alt, we faced the complex challenges that come with servicing consumer loans. We spent countless hours and resources developing internal tools to manage loan payments, communicate with borrowers, and keep track of loan performance—all while ensuring a positive experience for our customers.\r\n\r\nHowever, after dealing with the headaches of manual data entry, fragmented systems, delayed payments, lack of personalized borrower engagement, and the stress of maintaining accurate records, we knew there had to be a better way to service consumer loans.\r\n\r\nSo, we started Finosu to build the servicer we wish we had—an AI-powered consumer loan servicer designed to streamline and enhance every aspect of the loan servicing process. \r\n\r\nOur mission is to transform loan servicing into a seamless, efficient, and customer-centric experience.\r\n\r\nThe operational cost of servicing loans reaches into the tens of billions a year and that is money out of the pocket of lenders, borrowers, investors, and ultimately the consumers as a cost of doing business – we are changing that.", "one_liner": "AI Native Consumer Loan Servicer", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1723762134, "tags": [ "Fintech", "B2B", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finosu", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/finosu.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finosu/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1996346, "full_name": "Mark Ricciardi", "title": "Founder/CEO", "founder_bio": "Started in finance as a special situations private credit investor and then moved to tech to build productized credit instruments. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mark-ricciardi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5ca99bd24073b14bb11402d745e4abffa1fde18.jpg" }, { "user_id": 1997164, "full_name": "Gabriel Vincent Kho", "title": "Founder/CTO", "founder_bio": "Stanford grad. Ex-Flexport. AI consultant (not currently because I'm working on my own start-up). I'm currently working on fixing the problems I faced in the credit space while working at Alt.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/", "x_url": "https://twitter.com/gakho", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/daa745f43901a4e738ce7bf3b80728b0ab7cdbfd.jpg" } ], "jobs": [ { "id": 90198, "title": "Infra Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/TKx1Llu-infra-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$125K - $200K", "equity_range": "0.25% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "React", "Redis" ] }, { "id": 100351, "title": "Data Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/bzA1L0R-data-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Google Cloud", "Kubernetes" ] }, { "id": 100352, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/b3vdf0y-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83104, "title": "Finosu: Automated compliance for consumer lending", "tagline": "We automate mandatory compliance to save lenders, investors, and auditors time and money.", "body": "**TL;DR: The consumer lending compliance process sucked, and so we started Finosu to build the tools we wish existed.**\n\nHi all - we’re [Gabriel](https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/) and [Mark](https://www.linkedin.com/in/mark-ricciardi/). Together we built a $200m lending business within a fintech marketplace, and in doing so, spent hundreds of hours and hundreds of thousands of dollars on compliance work. \n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXewpShqbgrlpyOsuXmfPgyGdsFEMU-TvpnSN6zuBIVArSX2HyhiMSKCq-ksNr3LxRgI0ZfbArgbK9z7hZatDiRF3kyBB52ql40rnruBlrvUBZaTmEIqMJX4K8yK7dHBfQ_LHdvOr3ZVLRXjhNSLxXNMvR0B?key=yRFyYsAwfokUFio43hbr7g)\n\n**Problem:**\n\n* Regulatory compliance is mandatory to access the $5 trillion US consumer credit market\n* Compliance today is expensive, relies heavily on manual processes to navigate the complicated state and federal laws, and operates reactively to audit requests\n\n**Solution:**\n\nOur software relieves the pain of hunting through regulatory codes, the confusion of form filling, the surprise of regulatory deadlines, the monotony of PDF data extraction, the anxiety of brittle Excel spreadsheets, and the frustration of buried email threads with advisors… to name a few…\n\nWe ingest lenders’ existing information (PDFs, excels, loan management systems, etc.) and:\n\n* automate filing and maintenance of state lending licenses\n* automate preparation for loan book auditing \n* provide a loan management system that is natively and proactively compliant\n\n ![uploaded image](/media/?type=post&id=83104&key=user_uploads/1996346/d368a12c-36cf-4ae3-8cce-f9e622731adc)\n\n\n**Why now:**\n\n* The cost of compliance has skyrocketed as federal agencies such as the Federal Reserve, FDIC, and OCC have [increased scrutiny](https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/small-group-of-banking-as-a-service-banks-logs-big-number-of-enforcement-actions-80067110) on sponsor bank partnerships\n\n**The ask:**\n\n* If you work in or around all forms of lending at a fintech, investor, advisor, broker, or bank, we’d love to chat! \n* Share this post! If there is anyone in your network who deals with consumer lending, we would love to learn more about their problems and see if we can be helpful!\n * Copy & paste blurb: A team of ex-fintech operators created a product to automate regulatory licensing and loan book auditing for consumer lending. Contact [mark@finosu.com](mailto:mark@finosu.com) to see a demo from the founders.", "url": "https://www.ycombinator.com/launches/LcO-finosu-automated-compliance-for-consumer-lending", "votes": 334, "created_at": "2024-08-15T23:13:24.511Z" } ] }, { "id": 29829, "name": "Moreta", "slug": "moreta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "website": "https://moretapay.com", "all_locations": "San Francisco, CA, USA", "long_description": "At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Done is the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy.\r\n\r\nWe came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country.\r\n\r\nWe’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta is the first to bridge the gap for international travelers from card-centric markets to tap into these local networks. Moreta will target 200 million travelers arriving in the region each year, who together have $410 billion in everyday expenditure.", "one_liner": "Payments made easy for international travelers.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724360319, "tags": [ "Fintech", "Payments", "Consumer", "Travel", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moreta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/moreta.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/moretapay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1269607, "full_name": "Walid Mahd", "title": "Founder/CEO", "founder_bio": "Walid is the co-founder and CEO of Moreta.\n\nHe was previously a card and fintech payments consultant at Mastercard Advisors and is an Ivey Business School HBA graduate. \n\nHe is an avid world traveler and backpacker, having explored over 30 countries across Europe, Southeast & Eastern Asia, Africa, and the Middle East.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/walidmahd/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c5ffbe0daa4a0b56512bbb71ab42c308b58f6c9.jpg" }, { "user_id": 1202797, "full_name": "Sam Yu", "title": "Founder/CTO", "founder_bio": "Sam is the co-founder and CTO of Moreta.\n\nHe studied Computer Science at the University of Waterloo and has extensive experience building and shipping consumer products.\n\nAs the Head of Research & Development at Stems, he led the development of their first mobile app and generative AI product. During his internships at Apple, Google, Meta, and Uber, Sam worked on high-impact projects, including developing the instagram.com search feature used by over 50 million people.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yu-sam", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab42168458bb418cd8702608f643d4f1065de9b7.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83432, "title": "Moreta: Payments made easy for international travelers", "tagline": "Moreta lets you pay like a local, securely and digitally, without needing a bank account in every country.", "body": "Hi everyone, we’re Walid and Sam! We are avid travelers and backpackers who’ve been to over 40 countries combined. 🌏🎒\n\n**TLDR:** Moreta enables international travelers to pay for anything using their phone anywhere in the world. We’re launching first to allow users to pay in Southeast & East Asian markets.\n\n[Join our waitlist for early access.](https://moretapay.com)\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/0d6b9a4c-2d2c-46e2-95b1-21fd57ee2057)\n\n❌ **THE PROBLEM**\n\nWhen traveling abroad, do you find yourself asking if merchants accept card? How much cash do you need? Where can you get the best rate?\n\nPayments around the world are very fragmented and rely heavily on cash, or an alternative like QR code digital wallets.\n\nAnd for foreigners traveling, this typically means you need some combination of card and cash. In many countries, merchants may not accept card payments, and when they do, they often charge extra fees. Cash payments can also be costly due to high foreign exchange and ATM fees.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/6c9f3c8a-495a-4448-a550-1c38341b7d9b)\n\n✅ **THE SOLUTION**\n\nMoreta simplifies payments for international travelers, letting you pay like a local using just your phone. Users download Moreta, upload documentation verifying their identity, connect their bank account to load funds, and pay, all within minutes.\n\nMoreta will launch first in the Southeast and East Asian markets. Users can scan existing merchant QR codes and pay like locals.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/b9991f8b-9fe0-4106-8601-c17aaa1bb2e5)\n\n👥 **THE TEAM**\n\nWalid (CEO) and Sam (CTO) have been friends since high school. \n\n[Walid](https://www.linkedin.com/in/walidmahd/) was a payments consultant at Mastercard Advisors and experienced the payment pains of an international traveler when he backpacked through Southeast & Eastern Asia. \n\n[Sam](https://linkedin.com/in/yu-sam) was previously the Head of Research & Development at Stems and developed the Instagram web search feature used by over 50 million people.", "url": "https://www.ycombinator.com/launches/Lhg-moreta-payments-made-easy-for-international-travelers", "votes": 70, "created_at": "2024-08-26T20:56:57.937Z" } ] }, { "id": 29841, "name": "Elayne", "slug": "elayne", "former_names": [ "Elayne AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "website": "https://www.elayne.com/", "all_locations": "New York City, NY, USA", "long_description": "Elayne is building the modern estate settlement platform. \r\n\r\nEstate settlement is a $250B+ annual market, with $80T+ in assets expected to transfer over the next 25 years. But after a death, families and executors have to spend 400+ hours manually identifying, organize, and distribute everything that was left behind like: financial accounts, debts, property, insurance, legal documents, incorporating juristidi ation requirements and family context. \r\n\r\nElayne is the first platform to surface verified assets and debts for precisely this moment, then turing our discovery into a clear inheritance map. We work directly with families and executors, and with the partners who support them: funeral homes, hospice and aftercare providers, attorneys, and financial institutions.\r\n\r\nThe company was founded by Adria, a former large-cap investor who experienced the problem firsthand, and Rebecca, a repeat fintech and mental health founder who left her master’s program in psychology at Harvard to launch Elayne. Together, they bring financial rigor, technical execution, and lived empathy to a massive but deeply human category.\r\n\r\nBacked by Y Combinator and Accel, we are now an 8-person team based in NYC.", "one_liner": "Estate settlement, from verified discovery to distribution", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1718839098, "tags": [ "Fintech", "B2B", "Legal", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/elayne", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/elayne.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/meetelayne", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1815430, "full_name": "Adria Ferrier", "title": "Founder/CEO", "founder_bio": "Co-founder / CEO at Elayne. Former large-cap private equity investor. Wharton grad.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adria-ferrier-8b242836/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/518afe9823418b557079e92352ebce3b05600deb.jpg" } ], "jobs": [ { "id": 109247, "title": "Senior Full-Stack Engineer", "url": "https://www.ycombinator.com/companies/elayne/jobs/fD9AZII-senior-full-stack-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$210K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "React", "TypeScript", "Software Architecture", "Data Modeling" ] }, { "id": 109284, "title": "Senior Applied AI Engineer", "url": "https://www.ycombinator.com/companies/elayne/jobs/7AXa0LL-senior-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$250K - $270K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Machine Learning", "Natural Language Processing", "LLMs" ] }, { "id": 109289, "title": "Founding Operations Lead", "url": "https://www.ycombinator.com/companies/elayne/jobs/brdrVdJ-founding-operations-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$140K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 111125, "title": "Legal Product Fellow", "url": "https://www.ycombinator.com/companies/elayne/jobs/OFRhZk4-legal-product-fellow", "location": "New York, NY, US", "type": "Internship", "role": "Legal", "role_type": null, "salary_range": "$30 - $40 / hourly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83590, "title": "Elayne - AI estate planner & executor for employees and their families", "tagline": "We give back 400 hours to grieving employees, boosting their recovery and return to work.", "body": "Hey everyone, we’re [Adria](https://www.linkedin.com/in/adria-ferrier-8b242836/) and [Graf](https://www.linkedin.com/in/jake-grafenstein-33737270/) - cofounders of [Elayne](https://www.elayne.com/) 👋\n\n# TL;DR\n\nImagine losing a family member. You're grieving and overwhelmed by tasks like funeral planning, managing bills, insurance, probate, and closing accounts—all while trying to process your emotions and return to work. The last thing you need is 400 hours of estate settlement tasks looming over you for the next 16-20 months, making it challenging to perform at work and nearly impossible to take care of your mental health. We solve this problem for both you and your employer.\n\n**_Ask:_** Is your HR team currently reviewing benefits for 2025? Introduce us! Email [adria@meetelayne.com](mailto:adria@meetelayne.com) or [book a demo here.](https://www.elayne.com/request-demo)\n\n# 👫 The Team\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/89898/46a5e6de-d62f-4210-a54b-761ebd822c41)\n\n[Adria](https://www.linkedin.com/in/adria-ferrier/) (CEO) - Adria is a former private equity investor at Permira and Blackstone and experienced this problem firsthand after losing her mom. Instead of focusing on due diligence at work, she had to spend hours figuring out how to plan a funeral, manage probate, settle bills, and close hundreds of accounts. She left her job within a year of her loss, as many bereaved employees often do.\n\n[Graf](https://www.linkedin.com/in/jake-grafenstein-33737270/) (CTO) - Graf cut his teeth in fintech working for Truebill (YC W16). There, he led the core web and mobile team, managing the implementation of critical experiences such as subscriptions, transactions, and net worth.\n\n# ❌ The Problem\n\nEmployee bereavement costs US businesses $100bn each year.\n\n* **A look at the numbers**: For every 1,000 employees _annually:_\n * **250 employees** will experience bereavement, 150 will experience a major loss\n * **418 days** will be spent on affairs settlement by employees\n * **$608,000** cost to business in lost productivity, absenteeism, and attrition\n* **No solutions:** there are no practical tools in the market to help HR leadership support their employees in the months following a loss\n* **Manual and time-consuming**: settling an estate takes an average of 400 hours over 18 months to complete and is currently completely manual\n\n# 🙇 Our Solution: One Platform for Family Estate Planning and Automated Settlements\n\n**Family Estate-Readiness 👪**\n\nThe estate-readiness platform provides a novel way for employees and their immediate family members to organize and optimize their estates.\n\n* **Visualizations**: Visualize your estate by uploading existing documentation and using our AI to extract information.\n* **Optimizations**: Use our AI to identify issues that could lead to problems executing the estate.\n* **Document Vault**: Upload and securely store critical documents that are needed in the event of a death.\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/1979156/05c7fe36-9c75-460e-a1b3-4b0cff1b8fd9)\n\n**Automated Settlements 🕊️**\n\nThe post-loss platform saves employees 400 hours over 18 months by automating estate and affairs settlement after each loss.\n\n* **AI Concierge**: Chat with our AI concierge, who knows all the details about your situation and can execute tasks on your behalf.\n* **Personalized Roadmap:** Understand at a glance what you have to do, what your loved one planned ahead of time, and what the Elayne AI can do for you.\n* **Resources:** Access exclusive resources that help you understand probate and other opaque parts of the post-loss process.\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/1979156/838b5fea-fc43-4380-b6d9-955ceaf692dd)\n\n**For HR Leaders ✨**\n\nKnowing what to say and how to support an employee experiencing a loss is hard, and navigating the death of an employee is even harder. We're here to help:\n\n* **Immediate Response**: Elayne steps in with an immediate action plan to coordinate urgent needs and communications on behalf of the employee or their family\n* **Workshops:** Explore the emotional and practical challenges that arise during the estate planning and settlement process and learn strategies to foster resilience\n* **Dashboard:** Quickly understand utilization rates, hours saved, and cost savings -for both your employees and company.\n\n# 🙏 Our Ask\n\n* Follow us on [LinkedIn](https://www.linkedin.com/company/meetelayne/), and [book a demo](https://www.elayne.com/request-demo) with our team.\n* **Share this post!** -  Do you know anyone in your network who is a CHRO, HR or benefits manager, or head of Total Rewards? Please share this post (or our promo video below!)\n* Learn more at [Elayne.com](http://Elayne.com)\n\n", "url": "https://www.ycombinator.com/launches/LkE-elayne-ai-estate-planner-executor-for-employees-and-their-families", "votes": 213, "created_at": "2024-08-29T18:52:06.466Z" } ] }, { "id": 30106, "name": "Sunset", "slug": "sunset", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "website": "https://www.hellosunset.com/", "all_locations": "Salt Lake City, UT, USA", "long_description": "Sunset can track down bank accounts, retirement accounts, investment accounts, property and more for families after losing a loved one. Sunset will close those accounts and move the money into a Sunset estate account to manage.", "one_liner": "Find and move money after a death", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1729742505, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sunset", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/sunset.json", "year_founded": 2024, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/sunset-estate-app/", "x_url": "https://x.com/SunsetEstateApp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1848297, "full_name": "Stephen Walter", "title": "Founder/CEO", "founder_bio": "https://www.sunsetapp.com/", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stephen-walter-sunset/", "x_url": "https://x.com/stephen_walter", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0a1612b72b6066143fc44ab550dc03519c0e449b.jpg" }, { "user_id": 1850513, "full_name": "Kaela Worthen", "title": "Founder/CTO", "founder_bio": "Cofounder of Sunset, finding and moving funds after you lose a loved one. Previously cofounded Paintbrush, Imzy, worked at Podium, Reddit. Mostly a product person with some engineering, UX, data science, and a bit everything else mixed in.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kaelaworthen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/59b0156bffb01d6e066e1162d6b521a7f3074019.jpg" } ], "jobs": [], "news": [ { "title": "The families you serve may not know of existing life insurance policies — Sunset can help | Funeral Director Daily", "url": "https://funeraldirectordaily.com/the-families-you-serve-may-not-know-of-exiting-life-insurance-policies-sunset-can-help/", "date": "Jul 14, 2026" }, { "title": "Most banks fail miserably at helping grieving families make this vital financial move", "url": "https://www.marketwatch.com/story/most-banks-fail-miserably-at-helping-grieving-families-make-this-vital-financial-move-66831e97?mod=beth-pinsker", "date": "Feb 26, 2026" } ], "launches": [ { "id": 85226, "title": "Sunset - Find and Secure Money After a Death", "tagline": "Use Sunset to fund a retirement account after losing a loved one.", "body": "Finding and closing the accounts of a loved one can take months—often years—and hundreds of hours of work. Most people have to do that while grieving, but now Sunset does it for you.\\\n\\\n[https://youtu.be/LiYhdOZJyMY](https://youtu.be/LiYhdOZJyMY%EF%BF%BC%EF%BF%BCWe)\n\nWe launched a beta version a few months ago and are now releasing our web app and a huge new feature set of account discovery, including:\\\n\\\n-**Bank Accounts:** Checking, savings, CDs, etc.\n\n\\-**Retirement Accounts:** 401k, IRA, annuity, etc.\n\n\\-**Debts:** Mortgage, personal loans, credit cards, etc.\n\n\\-**Real Estate & Vehicles:** Personal and investment\n\n\\-**Investment Accounts:** Mutual funds, index funds, stocks, bonds, etc.\n\n\\-**And More:** Life insurance, unclaimed property, business ownership, HSA accounts, etc.\n\n**How does it work?**\n\nWe search public and private databases, including financial reporting from banks, investment funds, the IRS, and more. Once we’ve confirmed a match with the deceased, we automate the closure and move the funds into a retirement account for our customers.\n\n**How do we charge?**\n\nSunset is free to use for our customers. We earn interest on the deposits while they sit with us, so we make some money in the process. We felt this model aligned our incentives with the customer: _be fast and get all of it_.\n\n**Personal Experience**\n\nAfter my father-in-law passed away, the family asked me to take over the financial closure process. So, I’ve personally been through this the hard way. If I can help anyone, my inbox is open: [support@sunsetapp.com](mailto:support@sunsetapp.com).\n\n**Get Started**\n\nIf you’ve lost a loved one, or know someone who could use our services, you can visit our site at .\n\n![uploaded image](/media/?type=post&id=85226&key=user_uploads/89898/153720cb-4b6b-4a0e-9348-2e85b9b8effe)\n\n", "url": "https://www.ycombinator.com/launches/MAc-sunset-find-and-secure-money-after-a-death", "votes": 105, "created_at": "2024-11-01T18:55:30.033Z" } ] }, { "id": 30192, "name": "Axiom", "slug": "axiom", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.png", "website": "https://axiom.trade", "all_locations": "Austin, TX, USA", "long_description": "Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.", "one_liner": "Trade memecoins, perpetuals, and earn yield.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1738295687, "tags": [ "Fintech", "Crypto / Web3", "Consumer Finance", "Trading" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/axiom", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/axiom.json", "year_founded": 2024, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/joinaxiom", "x_url": "https://x.com/AxiomExchange", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1601203, "full_name": "Henry Zhang", "title": "Founder/CEO", "founder_bio": "CEO @ Axiom. Graduated at 20 with 1 exit, excited by all things crypto!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henryzhang03/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8cacbcaaaf2e54c4c8ecf9c465eb51f714a64c67.jpg" }, { "user_id": 1550170, "full_name": "Preston Ellis", "title": "Founder/CTO", "founder_bio": "Building consumer applications in crypto!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/preellis/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9008051d00c3cdb6f20467bede25a190f103a1cd.jpg" } ], "jobs": [ { "id": 73476, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/PYj0leR-founding-engineer", "location": "Austin, TX, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $500K", "equity_range": "0.50% - 1.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Node.js", "PostgreSQL", "Rust", "TypeScript", "Distributed Systems", "Blockchain", "Next.js" ] }, { "id": 104822, "title": "Rust Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/NMcjyK7-rust-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104823, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/LhoB2Q3-full-stack-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104824, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/lm7xFvA-backend-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104825, "title": "Frontend Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/GNTewkz-frontend-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104826, "title": "Systems Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/fZ9O8AX-systems-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 87688, "title": "Axiom - The Gateway to DeFi", "tagline": "Trade any asset on any chain, all under 1 account.", "body": "**TL;DR:** Axiom is building the first platform that lets anyone trade anything in DeFi.\n\n**The Problem:**\n\n* People in crypto focus too much on the tech rather than the user experience.\n* There are too many protocols and chains.\n* For every new chain and asset, you need to sign up and manage a different account/app.\n\n**The Solution:**\n\nAxiom is building the first app that lets you trade any asset on any chain, with all the technicalities abstracted away. No longer do you have to bridge, swap, manage all your assets through 5 different apps.\n\n\n\n**Our Ask**\n\nIf you know any crypto influencers, KOLs, high volume traders, please connect us! Can DM @Mist_Axiom on Telegram.\n\n**The Team**\n\n[Henry](https://www.linkedin.com/in/henryzhang03/) - Previously worked at TikTok building generative AI for ads. Graduated in 2 years while building 2 startups full-time with 1 exit.\n\n[Preston](https://www.linkedin.com/in/preellis/) - Previously interned at Doordash, studying EECS at UC Berkeley. Had 1 exit in undergrad.", "url": "https://www.ycombinator.com/launches/MoK-axiom-the-gateway-to-defi", "votes": 43, "created_at": "2025-02-14T01:49:59.488Z" } ] }, { "id": 30426, "name": "Ralo", "slug": "ralo", "former_names": [ "Approval AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd1079ebae09b6f3c1cfa789bc4e9fa9c80c8537.png", "website": "https://www.ralo.com/", "all_locations": "New York City, NY, USA", "long_description": "Ralo is the first AI-native mortgage broker. We use AI to remove layers of overhead and pass the savings back to borrowers. Our customers get rates more than half a point below the national average, save tens of thousands of dollars over the life of their loan. ", "one_liner": "AI-Native Mortgage Broker", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1744861920, "tags": [ "Fintech", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ralo", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/ralo.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ralohq/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd1079ebae09b6f3c1cfa789bc4e9fa9c80c8537.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 630851, "full_name": "Arjun Lalwani", "title": "Founder/CEO", "founder_bio": "Arjun is the co-founder & CEO of Ralo, building AI tools he wish existed after his painful home-buying journey. Prior to founding the company, he was a Product Manager at Google (APM '20), where he worked on high-impact consumer products. He scaled Google Hotels and launched a new business within YouTube Shopping, growing it from $0 to $XXX million in GMV. Arjun holds a degree in Computer Science from the University of Washington. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/arjun-lalwani", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/332f3ce3d493624713bbd5a9193cefa4ed7d2b7b.jpg" }, { "user_id": 2543223, "full_name": "Helly Shah", "title": "Founder/CTO", "founder_bio": "Helly Shah is the co-founder & CTO of Ralo, where she’s building the mortgage platform every homebuyer deserves. At Google Maps, she led the design and launch of features that enhanced lane guidance & geopolitical accuracy for over a billion users. Before that, she built real-time rates trading systems at Goldman Sachs, shaping how markets move.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hellyshah", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4259000eea5a64491bf6709dd4edf4016853bc6.jpg" } ], "jobs": [ { "id": 96990, "title": "Loan Officer Engineer", "url": "https://www.ycombinator.com/companies/ralo/jobs/UXfOgU1-loan-officer-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 90291, "title": "Ralo - Find Your Best Mortgage Deal 🏡", "tagline": "America’s first mortgage platform built to help homebuyers save time, money, and stress.", "body": "Hey everyone, we’re [Arjun](https://www.linkedin.com/in/arjun-lalwani/) & [Helly](https://www.linkedin.com/in/hellyshah/), co-founders of Ralo. 👋\n\n**TL;DR**\\\n[Ralo](https://ralo.com/) **is America’s first mortgage platform built to help homebuyers save time, money, and stress.** We automate the hardest parts of getting a mortgage so buyers can lock in the lowest rates with the least hassle.\n\n# **The Mortgage Problem**\n\nA huge number of buyers still do not shop their mortgage, even though doing so can save serious money. The main reason is not laziness. The process is overwhelming.\\\n**High friction** \\\nComparing lenders usually means re-entering the same information, re-uploading the same documents, and navigating multiple portals with different requirements and timelines.\n\n**Lack of know-how** \\\nMost people do not know what they can negotiate or how to compare offers. Terms like points, credits, and relationship pricing add confusion. Switching later can feel risky if it might slow down or jeopardize the deal.\n\n**Spam overload** \\\nTrying to shop for a mortgage can quickly turn into a flood of calls and emails.\n\n# **What Ralo Does**\n\nRalo reimagines how mortgages work.\n\n**One form. One Workflow.** \\\nYou fill out one application. We keep everything organized and guide you from pre-approval through closing.\n\n**Lowest Rates From the Start** \\\nYes, we can negotiate. More importantly, we streamline the process and remove middlemen so buyers can access great rates with low fees upfront, without endless back-and-forth.\n\n**Zero Spam**\\\nWe protect buyer data and only share what is necessary, so getting a mortgage does not become an inbox nightmare.\n\n**Proof in the Rates**\\\nWe publish our rates here: [ralo.com/rates](https://ralo.com/rates). On average, Ralo’s rates are about 0.50 percent to 0.75 percent below the market average, often with lower fees too\n\n# **Our Ask**\n\nKnow someone buying a home? Send them to [ralo.com](https://ralo.com). It could help them save thousands.\n\nKnow any real estate agents or lenders? We're also looking to connect with real estate agents and loan officers who would be open to sharing feedback. 📩 Connect us at [**founders@ralo.com**](mailto:founders@ralo.com)\n\nWant to support? A follow or shoutout on [LinkedIn](https://www.linkedin.com/company/approval-ai/) means the world.\n\nThanks so much for your support. It makes a big difference to us!\n\n# **The Team**\n\nRalo was founded by ex-Google and first time homebuyers in different cities who bonded over how confusing, expensive, and frustrating getting a mortgage was.\n\n[Arjun](https://www.linkedin.com/in/arjun-lalwani/) (CEO) — previously worked as a Product Manager at Google (APM '20), where he led high-impact consumer products. He scaled Google Hotels and launched a new business within YouTube Shopping, growing it from $0 to $XXX million in GMV.  Arjun holds a degree in Computer Science from the University of Washington.\n\n[Helly](https://www.linkedin.com/in/hellyshah/) (CTO) — previously worked on Google Maps, leading features that improved lane guidance & geopolitical accuracy for 1B+ users. Before that, she built real-time rates trading systems at Goldman Sachs, shaping how markets move. She grew up in a family of real estate developers across India and the US, giving her a front-row seat to the industry’s inner workings. Helly also holds a degree in Computer Science from the University of Washington.", "url": "https://www.ycombinator.com/launches/NUJ-ralo-find-your-best-mortgage-deal", "votes": 1251, "created_at": "2025-05-12T15:14:18.908Z" } ] }, { "id": 30591, "name": "Autonomous Technologies Group", "slug": "autonomous-technologies-group", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1418e292df2ccff4d9598566261526adff42355d.png", "website": "https://becomeautonomous.com/", "all_locations": "New York City, NY, USA", "long_description": "Autonomous is a superintelligent financial advisor at 0% advisory fees. \r\n\r\nToday, managing your money means one of two bad options:\r\n\r\nDIY your money: You end up with accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job.\r\n\r\nHire a financial advisor: They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees.\r\n\r\nNeither path can economically deliver the sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc.\r\n\r\nThese aren't secret – they're just economically impossible to deliver at scale through traditional human advisors.\r\n\r\nRobos were supposed to fix this, but they were designed in a pre-AI world. In practice they just manage cookie-cutter portfolios. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions.\r\n\r\nWe’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors.\r\n\r\nAutonomous is built around a frontier-scale reasoning engine—an AI that perceives global events as they unfold, understanding their deeper implications for markets and and most importantly, how these events will impact your investments. ", "one_liner": "Superintelligent financial advisor", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1764806109, "tags": [ "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/autonomous-technologies-group", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/autonomous-technologies-group.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/autonomous-technologies-group/", "x_url": "https://x.com/a____t____g", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1418e292df2ccff4d9598566261526adff42355d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 8758, "full_name": "Dillon Erb", "title": "Founder/CEO", "founder_bio": "CEO/ co-founder Autonomous Technologies Group (YC/F25)\nprev: CEO/ co-founder @ Paperspace (YC/W15) - Acquired DigitalOcean (2023)\nAngel Investor / Advisor\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dillonerb", "x_url": "https://twitter.com/dlnrb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/857314bbdb8b28ab6e06435e5af25da9d5c3786d.jpg" }, { "user_id": 64620, "full_name": "Daniel Kobran", "title": "Founder/COO", "founder_bio": "Cofounder of Autonomous Technologies Group. Prev. Cofounder of Paperspace (GPU cloud, YC), acquired in 2023. Background in cloudscale GPU computing & AI. Early stage deep tech investor. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-kobran/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e71fc6c02aa2610d7cfa35c0f4522d3a625a9cd6.jpg" } ], "jobs": [ { "id": 78682, "title": "Member of Technical Staff (Backend)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/9XBlkWc-member-of-technical-staff-backend", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $260K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 78686, "title": "Member of Technical Staff (Full Stack)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/leXsgOS-member-of-technical-staff-full-stack", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$170K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 78687, "title": "Member of Technical Staff (Research Engineering)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/qnaU0Uk-member-of-technical-staff-research-engineering", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $260K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 78688, "title": "Research Scientist", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/XoXpFWN-research-scientist", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 81481, "title": "Member of Technical Staff (iOS)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/Tzcbmes-member-of-technical-staff-ios", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $240K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85279, "title": "Member of Technical Staff, Quantitative Systems", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/DH2H9nM-member-of-technical-staff-quantitative-systems", "location": "New York City / San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90037, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/PWbUi20-product-designer", "location": "New York City", "type": "Full-time", "role": "Design", "role_type": "Mobile design", "salary_range": "$115K - $125K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104229, "title": "Member of Technical Staff (Data Platform)", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/LZPa2oC-member-of-technical-staff-data-platform", "location": "New York City / San Francisco / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $275K", "equity_range": "", "experience": "8+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104230, "title": "Client Director", "url": "https://www.ycombinator.com/companies/autonomous-technologies-group/jobs/2Ho2HEk-client-director", "location": "San Francisco / New York City / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$200K - $300K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Y Combinator Grads Raise $15 Million for AI Money Manager Autonomous - Business Insider", "url": "https://www.businessinsider.com/atg-autonomous-technologies-y-combinator-15-million-ai-money-manager-2026-1", "date": "Jan 06, 2026" } ], "launches": [ { "id": 96574, "title": "Autonomous – Superintelligent financial advisor at 0% advisory fees", "tagline": "Invest like the ultra-wealthy with an AI-native wealth strategist", "body": "![uploaded image](/media/?type=post&id=96574&key=user_uploads/64620/29da316a-9f16-4a20-8f6d-c083a115287f)\n\nHello! We co-founded and exited Paperspace (GPU cloud, YC W15). After selling Paperspace, we did the “responsible” thing and tried to get our own finances dialed in.\n\nI encountered two options, both felt broken and just weren’t right for me:\n\n## **The problem**\n\n**DIY your money:** Accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job.\n\n**Hire a financial advisor:** They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees.\n\nNeither path felt like what I wanted: sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc.\n\nThese aren't secret – they're just unfeasible to deliver at scale through traditional human advisors.\n\n**Robos were supposed to fix this, but they were designed in a pre-AI world.** In practice the robo option can feel cookie-cutter. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions.\n\n## **What we're building**\n\n**Autonomous** ([becomeautonomous.com](http://becomeautonomous.com)) is a superintelligent wealth manager with **0% advisory fees**. (Note, our optional direct-indexing feature will charge a fee, replacing ETFs and Mutual Funds with individual securities).\n\nWe’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors.\n\n**Sees everything and understands it**\n\nConnect all your accounts, including messy off-platform assets like rental properties, SPVs, and startup equity. Autonomous builds a live view of your assets, liabilities, cash flow, and taxes. It knows where you're concentrated, where you're wasting tax capacity, where cash is idle.\n\n**Conversational intelligence**\n\nTalk to Autonomous 24/7 about any financial decision. \"Should I max out my 401k or pay down my mortgage?\" \"How does this job offer change my strategy?\" Get answers, explore tradeoffs, execute instantly. No quarterly calls.\n\n**Personalized direct indexing**\n\nInstead of generic ETFs, Autonomous builds a direct index optimized for your income, tax bracket, time horizon, and goals. Designed to\\\nharness sophisticated, wealth optimization strategies, Autonomous\\\noptimizes portfolios at the individual security level. You refine through conversation, it deploys intelligently.\n\n**Continuous optimization**\n\nAutonomous monitors everything continuously, alerting you to what matters: tax-loss harvesting opportunities, rebalancing needs, cash deployment timing, risk adjustments. \n\n**Custom exposures, not stock picking**\n\nOn top of your core plan, you can add targeted strategies if you want to be more hands-on. Want targeted exposure to AI? Autonomous maps the ecosystem, builds a custom sleeve sized by volatility and fundamentals, accounts for correlations with your existing positions, and manages it inside your broader plan. AI agents design and implement it.\n\n## **Who this is for**\n\nRight now we're focused on:\n\n* People with multiple fragmented accounts and a spreadsheet they don't trust\n* Brokerage users with a pile of individual bets, not a strategy\n* Anyone who doesn't want to pay 1-2% forever but also doesn't want to be their own wealth manager\n\n## **Why now**\n\nPeople everywhere already ask AI about their finances, but there's no Cursor-style \"apply\" button and it doesn't run continuously. The technology finally exists to deliver institutional wealth management through AI.\n\nWealth management generates \\~$250B/year in advisory revenue, with human intermediaries extracting massive amounts of fees. It feels like a pre-Robinhood brokerage world: entrenched, expensive, structurally misaligned.\n\nAutonomous is following the neobank playbook that companies like Mercury and Ramp used in traditional banking: replace brick-and-mortar with elegant digital experiences.\n\n**Get early access:** [becomeautonomous.com](http://becomeautonomous.com)\n\n_Note: We are hiring across multiple roles in NYC and SF: [https://atg.science/](https://atg.science/)_", "url": "https://www.ycombinator.com/launches/P7e-autonomous-superintelligent-financial-advisor-at-0-advisory-fees", "votes": 72, "created_at": "2026-01-07T18:33:55.271Z" } ] }, { "id": 30614, "name": "Astor", "slug": "astor", "former_names": [ "Gaus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84b5fdcf24f0c61830898968d03a605cac559df3.png", "website": "https://astor.app/", "all_locations": "San Francisco, CA, USA", "long_description": "Astor is an AI investment advisor for retail investors.\r\n\r\nFounded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Astor gives every active investor an AI investment advisor working around the clock to surface their next great investment. We’re backed by YC (S25).\r\n\r\nRetail investors now account for 25% of all U.S. trading volume, nearly double from 2012. But over 56% still say they don’t feel confident in their investment decisions. Astor fixes that. \r\n\r\nOur AI agents uncover opportunities, decode emerging trends, and deliver analysis tailored to you. Instead of drowning in noise, investors gain a clear edge, shifting from guesswork to confident decision-making.\r\n", "one_liner": "AI advisor for retail investors", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1754607917, "tags": [ "Fintech", "Investing", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/astor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/astor.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/joinastor", "x_url": "https://x.com/astorinvest", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/84b5fdcf24f0c61830898968d03a605cac559df3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/150e7ffbd9ab2be75a8daea990170160405e4ad3.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0d3dadef50cb4397718eeca822272598034bc58f.png" ], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1775091, "full_name": "Bruno Koba", "title": "Founder/CEO", "founder_bio": "CEO @ Astor. Building an AI advisor for retail investors. Stanford GSB and ex-Nubank, monashees.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bruno-koba/", "x_url": "https://x.com/brunokoba_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d81aade2268f281538a7e6164958b37bf3fa7c1c.jpg" }, { "user_id": 2562089, "full_name": "Daniel Tulha Hochstetler", "title": "Founder/CTO", "founder_bio": "CTO @ Astor, building an AI advisor for retail investors. Previously at Stripe, Robinhood & Amazon.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-hochstetler", "x_url": "https://x.com/tulha_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/508f491fb354d0660e317d62cfa24242f1b88e17.jpg" } ], "jobs": [], "news": [ { "title": "Astor raises $5 million seed round for its AI-based financial advisory service | Fortune", "url": "https://fortune.com/2026/04/23/jjjj/", "date": "Apr 23, 2026" } ], "launches": [ { "id": 92883, "title": "Astor: Your Personal AI Investment Analyst", "tagline": "Astor supercharges research for individual investors", "body": "Hey 👋, we’re Bruno and Daniel, the founders of Astor.\n\n**TL;DR:**\n\nAstor is your personal AI investment analyst. It gives you the same market tracking, deep research, and real-time alerts that institutional investors rely on, now built for your portfolio.\n\n**The problem**\n\nRetail investors are fundamentally disadvantaged compared to professionals.\n\nInstitutional investors have teams of analysts tracking markets in real time, digging into data, and flagging opportunities before anyone else. Retail investors, meanwhile, have to piece together brokerages, news sites, and forums.\n\nThese tools haven’t changed in 15 years. In the U.S., 61% of adults — over 160 million people — own stocks, yet more than half say they don’t feel confident in their investment decisions. \n\nWe’re building Astor to level the playing field.\n\n\n\n**How does it work?**\n\nAstor is your personal AI investment analyst. It monitors markets 24/7, filters out noise, and delivers only the insights that matter for your portfolio. That could mean:\n\n* Spot catalysts before they hit the mainstream: e.g., flag unusual insider activity on a stock you own hours before it trends.\n* Deliver deep, tailored research: pull together data, filings, and expert commentary into concise, decision-ready briefs on any company or theme you care about.\n* Test and validate your ideas: run “what if” scenarios and uncover supporting or contradicting market data before you act.\n\nIt’s like having a Wall Street-grade analyst in your pocket — one that never sleeps, never misses a headline, and tailors everything to your holdings.\n\n![uploaded image](/media/?type=post&id=92883&key=user_uploads/1775091/4b7be896-ff26-47c0-834f-664eebfae195)\n\n**Who’s it for?**\n\nAny active investor who wants to move from reactive guesswork to deliberate, confident decision-making. \n\n**Backstory**\n\nWe’re two Brazilian fintech builders from São Paulo.\n\n* Bruno was a data scientist at Nubank, building machine learning models that impacted millions, and later a fintech investor at Monashees.\n* Daniel was a software engineer at Stripe, Robinhood, and Amazon, creating production-ready AI agents and scaling systems during meme stock booms and volatile markets.\n\nWe’ve seen both sides — the institutional edge and the retail struggle — and we’re building Astor to close that gap.\n\n![uploaded image](/media/?type=post&id=92883&key=user_uploads/1775091/e6d09b90-5d81-4a6a-bca0-1a22cc1ed668)\n\n**Ask**\n\nIf you invest, try Astor and tell us what you think. Sign up at[ ](https://joingaus.com)[joinastor.com](http://joingaus.com).\n\nYou can reach us directly at [founders@joingaus.com](mailto:founders@joingaus.com) — we’d love your feedback.\n\nThanks for your support,\n\nBruno + Daniel 📈", "url": "https://www.ycombinator.com/launches/OA7-astor-your-personal-ai-investment-analyst", "votes": 44, "created_at": "2025-08-10T19:24:56.563Z" } ] }, { "id": 30681, "name": "Conviction", "slug": "conviction", "former_names": [ "Parachute", "Parachute AI", "Parachute", "Parachute AI", "Parachute" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d77bd0a212f97907bcda7fd8ba18232fbfdb55b.png", "website": "https://convictiontrade.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Conviction lets you create and discover trading ideas, then monitors the market and acts on them for you.\r\n\r\nStart with any idea you have - or discover one from traders you follow on X or Reddit - and turn it into a strategy in natural language. Backtest it, paper trade it, deploy it and share what you learn.", "one_liner": "Anyone Can Trade", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1752533752, "tags": [ "Fintech", "Crypto / Web3", "Consumer Finance", "AI", "Stocks" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/conviction", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/conviction.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/convictiontrade", "x_url": "https://x.com/tryconviction", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d77bd0a212f97907bcda7fd8ba18232fbfdb55b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1334167, "full_name": "Aria Vikram", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @ Conviction. Previously NLP Researcher @ Columbia; deployed AI chatbots for doctors @ CUIMC. Google Code-In Grand Prize winner, RSI alum, and USAID awardee.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aria-vikram/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce46ddcc8027cea7958ea3c31a58c6cd36294e5f.jpg" }, { "user_id": 2721903, "full_name": "Tony Yamin", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO @ Conviction; turned down offers from Google and BlackRock. Previously built machine-learning infrastructure for the U.S. Department of Defense at Booz Allen. Best AI @ HackPrinceton and Finalist @ YaleHack.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tyamin", "x_url": "https://x.com/Tonyyamin_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4460b36044b726844f7c24ce440bdf05818782f5.jpg" } ], "jobs": [ { "id": 100109, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/conviction/jobs/dKyC4hT-founding-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$90K - $210K", "equity_range": "0.50% - 2.00%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] }, { "id": 107800, "title": "Quantitative Engineer", "url": "https://www.ycombinator.com/companies/conviction/jobs/0HkAQMH-quantitative-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$90K - $210K", "equity_range": "0.50% - 2.00%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "The Most Promising Startups To Watch From YC Summer 2025 Batch", "url": "https://www.forbes.com/sites/dariashunina/2025/09/04/the-most-promising-startups-to-watch-from-yc-summer-2025-batch/", "date": "Sep 04, 2025" } ], "launches": [ { "id": 115741, "title": "Conviction - Trading Desk in Your Pocket", "tagline": "Turn ideas into trades in seconds ", "body": "Hey everyone!\n\nWe’re Aria & Tony, co-founders of Conviction. We spent much of college experimenting with our own trading strategies. We became obsessed with one question: why should sophisticated trading tools only be accessible to Wall Street?\n\n**TL;DR:** Describe a trading idea in natural language. Conviction tests it on historical data and deploys an AI agent that trades on your behalf.\\\n\\\n\n\n**The Problem**\n\nMost people don't have time to stare at charts all day. \n\nBut trading ideas show up everywhere: On Reddit. In the news. On X. YouTube. TikTok.\n\nThe hard part is separating signal from noise and acting in time. \\\n\\\n**Our solution**\n\nConviction gives everyday investors access to the kind of research, testing, and execution tools that were once built primarily for professional trading desks.\n\n### **How it works**\n\n1. **Start with an idea**\\\n Describe a trading thesis or discover one from the market.\n2. **Research it instantly**\\\n Conviction pulls from SEC filings, financial news, market data, X, Truth Social, Reddit, earnings, and other signals to help you build the strategy.\n3. **Test before you trade**\\\n Backtest your strategy against historical market data in seconds and see how it would have performed.\n4. **Try it with fake money in the real market**\\\n Paper trade the strategy live before putting real capital behind it.\n5. **Deploy when you are ready**\\\n Connect your brokerage and put your strategy to work.\n6. **Let your agent watch the market for you**\\\n Your AI agent continuously monitors market data, technical indicators, news sentiment, SEC filings, earnings, social signals, and more, then acts when your conditions are met.\n\nInstitutions have always been one step ahead. Our mission is to bridge that gap and bring those tools to you.\n\n**Start trading here:** [convictiontrade.ai](http://convictiontrade.ai)\n\n**Questions?** Email us here: [founders@convictiontrade.ai](mailto:founders@convictiontrade.ai)\n\n**Join our Discord** to be part of the Conviction community. Get access to exclusive offers, swag, product updates, and opportunities to help shape what we build next: \n\n**Our ask:** Traders, future traders, market obsessives. Send this to your people.", "url": "https://www.ycombinator.com/launches/U6n-conviction-trading-desk-in-your-pocket", "votes": 1241, "created_at": "2026-09-16T23:25:03.321Z" }, { "id": 92824, "title": "Parachute: Evaluate, Deploy, and Monitor Clinical AI", "tagline": "We enable hospitals to adopt AI safely and at scale", "body": "Hey everyone!\n\nWe’re Aria & Tony, co-founders of Parachute – the end-to-end governance infrastructure that helps hospitals adopt AI safely and at scale. \n\n**TL;DR:** \n\nParachute helps health systems evaluate, deploy, and monitor every AI tool they touch – whether it’s an Epic plug-in, vendor model, or in-house imaging model.\n\nhttps://youtu.be/tRvaL0LaWOI?feature=shared\n\n**Why we built this**\n\nDuring our time spent deploying AI at Columbia University Irving Medical Center (CUIMC), we kept seeing the same issues:\n\n* 2,000+ clinical AI tools have hit the market\n* New rules (HTI-1, Colorado AI Act, CA SB 3030, White House AI Action Plan) demand auditable proof of safety, equity, and efficacy\n* Lean IT teams can’t possibly vet and watch every model, and a single failure can cost lives and trigger seven-figure settlements\n\nGreat innovations die in pilot hell because the infrastructure to deploy AI tools simply does not exist.\n\nThat’s why we built Parachute and why CUIMC now uses it to track live models in real time.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXfMeMr6DgcDfTSH91cRA9KtSS09A-U2M58jcX1CTXsbPw7Ud6BHvJcCpmNCjMdLr81Nsd2w887yyYtaGkNny9DtSgWATBs8qekupLkiRfuj4WlU33gbaf9u5hCBcgUypKIjh6yFlA?key=tv4NvQsH04_CHvpgP40CGw)\n\n🪂 **How Parachute works** \n\n**1. Vendor discovery and vetting**\\\nAI agents map the hospital’s gaps and goals to the best AI tools on the market, while our review engine flags any compliance issues in vendor documentation.\n\n**2. State-of-the-art benchmarking and evaluations**\\\nOur automated scoring and stress testing helps decision makers identify the best-fit options.\n\n**3. Real-time observability**\\\nOnce a tool is adopted, Parachute monitors it from inception through post-deployment. We automate real-time tracking of performance, drift, and bias – alerting you the moment any metric slips below threshold.\n\n**4. Immutable audit trail**\n\nEvery approval, test, change, and runtime metric around a model is documented and audit-ready for regulators.\n\n**Call to action**\n\nHospital leaders: Want stalled pilots live before 2026, access to the world’s best AI tools, an audit-proof evidence trail and hands-free monitoring? \n\nAI vendors: Want your product listed in the only marketplace that maps directly to hospital gaps and compliance needs?\n\nReach us at [founders@parachute-ai.com](mailto:founders@parachute-ai.com) or book a meeting [here](https://calendly.com/founders-parachute-ai/30min). \n\nFor more information visit: [parachute-ai.com](http://parachute-ai.com)\n\n**Launch Offer**\n\nYC AI companies: 50% off a marketplace listing.", "url": "https://www.ycombinator.com/launches/O9A-parachute-evaluate-deploy-and-monitor-clinical-ai", "votes": 92, "created_at": "2025-08-07T17:37:45.177Z" } ] }, { "id": 30786, "name": "Munify", "slug": "munify", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.png", "website": "https://munify.ai", "all_locations": "Orlando, FL, USA; Remote", "long_description": "Munify is the cross-border Neobank for the Middle East and its diaspora. Instantly open a USD account, get a virtual card, and send money home at the best rates, all from one app.", "one_liner": "The Cross-Border Neobank for the Middle East", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1755868164, "tags": [ "Fintech", "Consumer", "B2B", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/munify", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/munify.json", "year_founded": 2025, "city": "Orlando", "country": "US", "linkedin_url": "https://www.linkedin.com/company/munifyai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1987451, "full_name": "Khalid Ashmawy", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Munify (YC S2025), building a cross-border Neobank for the Middle East and its Diaspora. Previously founded Huspy (Sequoia-backed Series B, doing $7B in transactions annually). Before that, 10 years leading engineering teams at Microsoft and Uber.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khalidashmawy/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ea27c261be1619c286a0e8568062732e04ed837.jpg" } ], "jobs": [], "news": [ { "title": "Microsoft and Uber alum raises $3M for YC-backed Munify, a neobank for the Egyptian diaspora | TechCrunch", "url": "https://techcrunch.com/2025/08/29/microsoft-and-uber-alum-raises-3m-for-yc-backed-munify-a-neobank-for-the-egyptian-diaspora/", "date": "Aug 29, 2025" } ], "launches": [] }, { "id": 30981, "name": "Freeport Markets", "slug": "freeport-markets", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7785e7f2104cbe8c0fd7a9462d42a9b03d5aeb86.png", "website": "https://www.freeportmarkets.com/", "all_locations": "New York City, NY, USA", "long_description": "Freeport is a trading platform for pre-IPO shares, equities, crypto, and perpetual futures. Our AI analysts turn trusted social and financial media into a real-time feed of market-moving news and actionable trade ideas.", "one_liner": "Trade Anything", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1758671175, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Consumer Finance", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Freeport makes social media tradable by turning the sources you trust into actionable trades.\r\n\r\nThe core problem is that the earliest market signals now live in human networks and attention flows, not traditional research pipelines. Edge emerges first in Twitter threads, Reddit communities, and other alternative data. In an attention-driven economy, price moves not just on facts, but on what spreads, who amplifies it, and how quickly a narrative captures mindshare. Retail investors feel this most because they lack terminals, coverage, and the bandwidth to monitor dozens of feeds for breaking news, catalysts, and shifts in positioning.\r\n\r\nFreeport productizes the situational awareness workflow that professionals do manually. We turn your trusted sources into a tradable feed by detecting breaking signals, measuring what is gaining attention, cross-checking across media, mapping second-order impacts to assets, and producing inspectable trade cards with evidence and context. The goal is not more content. It is a continuously updated view of what matters right now and what it implies.\r\n\r\nWe are building this because we have lived the gap between trading with full coverage and trading blind. I traded single stock equity derivatives at three major market makers, where analyst coverage, real time news, and a shared view of catalysts and positioning materially improve decisions. In my personal account outside that coverage, it is easy to miss headlines, attention shifts, or key catalysts until price has already moved, and even strong teams cannot monitor everything. My cofounder is deeply technical with experience at Capital One and Huawei, and we are building Freeport to make that level of speed and situational awareness accessible to everyone.\r\n\r\nOur thesis is simple. As attention becomes a primary market input, the winners will be those with an AI layer that turns trusted information and real-time attention into timely, explainable decisions. Freeport keeps you situationally aware so you are always up to date and never late." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "If we succeed, the world changes in one main way: anyone can turn an opinion into a precise market position as easily as posting a thought online. Today that translation is slow and gated. You need context, instrument selection, sizing, execution, and risk controls across fragmented venues. Institutions win because they have teams and systems that continuously do this work.\r\n\r\nFreeport’s long-term vision is to build the on-chain infrastructure that connects information to execution. We turn continuous information processing from an institutional advantage into shared rails so more people can access sophisticated opportunity sets, move faster from belief to position, and trace exactly why a trade exists back to its source and evidence.\r\n\r\nAt the macro level, this improves market quality. Prices are an information system meant to compress dispersed knowledge into signals that coordinate capital. When interpretation is bottlenecked, price discovery is thin and discontinuous. If we democratize the signal to decision workflow with transparent provenance, price discovery becomes deeper and more continuous as more participants act earlier with context. The result is better prices, better capital allocation, and a market closer to decentralized coordination through dispersed knowledge." } ], "url": "https://www.ycombinator.com/companies/freeport-markets", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/freeport-markets.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/freeportmarkets", "x_url": "https://x.com/freeportmrkts", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/freeport-markets", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7785e7f2104cbe8c0fd7a9462d42a9b03d5aeb86.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 2929506, "full_name": "Lihong Wang", "title": "Founder/CEO", "founder_bio": "Ex-Jane Street, Ex-IMC Options Trader. Built systematic and discretionary strategies across equities and fixed income.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lihong062/", "x_url": "https://x.com/Lihong062", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb6a0261e02e8f251e33a5b2391318d745c20e50.jpg" }, { "user_id": 2929527, "full_name": "Bryan Reed", "title": "Founder/CTO", "founder_bio": "Founder at Freeport", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryan1738/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/165bc8a2dbcb62023ed24fb72676d4f5c7ff790e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 94762, "title": "Freeport - Intelligent DeFi Investment Platform", "tagline": "Earn yield on crypto and build portfolios with AI + human expertise. 🤖🚀", "body": "Hey YC! 👋\n\nWe’re Lihong & Bryan, former quant trader and developer, and we are building Freeport Markets (https://freeportmarkets.com) to make DeFi investing more accessible for all. \n\n**TL;DR:** Freeport helps you build a **diversified crypto portfolio** across quality assets, and access the most trusted and l**ucrative opportunities in DeFi** on one page, with one click.\n\n**_Ask_**_:_ Try [freeportmarkets.com](http://freeportmarkets.com) (on desktop with hot wallet) and give us feedback! Connect us with student orgs or other groups who can help us with distribution. Our ICP are crypto-adjacent folks who keep most of their crypto on Robinhood/Coinbase. Check out our fun promo vid 👇https://www.youtube.com/watch?v=TWZTB_r_jO4\n\n### **❌ Problem**\n\nMost investors’ crypto portfolios suffer from the follow issues: \n\n* **Leaving Yield on the Table:** Easy and safe 4-8% extra returns a year from staking / conservatively lending crypto assets that they already own.\n* **Under-diversified:** Portfolios are often just BTC/ETH, which can underperform the crypto market. (No one buys a single stock as a “portfolio”; why a single token?)\n* **Paying Unnecessary Fees:** Coinbase/Robinhood takes a massive cut out of yields, don’t let you lend/borrow at market rates, and have high trading fees.\n\n**Net:** The best opportunities are in DeFi, but people miss out on common-sense optimization, true diversification, and lower fees, because DeFi is fragmented and confusing.\n\n**💰Our Solution** \n\n* **Unify DeFi in One Place:** Freeport integrates trusted protocols on one page.\n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/f7aad792-d924-4859-aaeb-f992dfb18b5d)\n\n* **Signal Over Noise:** We separate **treasure from trash** with a rigorous screening framework (see below) so nothing you buy here is a scam / rugpull.\n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/8cdbb09d-c8b3-4aef-98e1-e483ac16a014)\n\n* **Yield on Resting Assets:** Put idle holdings to work in battle‑tested & audited opportunities with transparent sources of return.\n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/d4c8feb7-9589-48ab-9e8b-a5708f1d0899)\n\n* **Real Diversification:** Allocate across chains, sectors, and risk factors in a single, simple flow using a framework supported by rigorous statistical inference (see below)\n\n \n\n![uploaded image](/media/?type=post&id=94762&key=user_uploads/2929506/936963cf-a58a-48f1-8d6b-611da05e7433)\n\n* **No Management Fees + Lowest Trading Costs:** We find the best possible path to route your order to minimize slippage and MEV (see below).\n\n🏦**Our Mission**\n\nBring value and science-based “quantamental” investing to crypto, so people view it as the legitimate long-term asset that it is, not a day-trader’s playground. We combine rigorous screening and factor/sector diversification to filter noise and compound value over time.\n\n**⛵Chart Your Course With Freeport** \n\n* Freeport is made for all long-term investors who want durable yield, smartly diversified portfolios, and explainable risk that drives compounding returns. \n* Get started today at [**freeportmarkets.com**](http://freeportmarkets.com), share us with friends who may be interested, and let us know about bugs / feature requests that you may have! \n* Reach us at [lihong.wang@freeportmarkets.com](mailto:lihong.wang@freeportmarkets.com) & [bryan.reed@freeportmarkets.com](mailto:bryan.reed@freeportmarkets.com).\n\n \n\n### **⚙️Appendix: How It Works**\n\n* [**Research-Backed Curation**](https://www.freeportmarkets.com/reference/Investable%20Universe%20Methodology.pdf)**:** To ensure that tokens that we support are legitimate, we operate inside only the top 250 by market cap and screen for real tradability. \n* [**Economic Diversification**](https://www.freeportmarkets.com/reference/Digital%20Asset%20Taxonomy.pdf)**:** We classify assets by their orthogonal drivers of returns: Settlement (execution/scaling vs. monetary), Infrastructure & Interoperability, DeFi/CeFi, Culture & Entertainment, DePIN & Resources, plus Stablecoins & RWA. \n* [**Factor Tilts**](https://www.freeportmarkets.com/reference/Quantitative%20Framework.pdf)**:** We track seven factors, market, size, value, momentum, growth, downside beta, liquidity, and prioritize momentum (best out-of-sample), with value & growth as corroborating signals; low-to-moderate correlations improve diversification.\n\nWe pair a disciplined universe + sector taxonomy with data-driven quantitative factors + human-expertise to construct recommendations and strategies that moves portfolios away from single-asset concentration toward repeatable, explainable, multi-factor returns, at [**freeportmarkets.com**](http://freeportmarkets.com)**.**", "url": "https://www.ycombinator.com/launches/OeQ-freeport-intelligent-defi-investment-platform", "votes": 141, "created_at": "2025-10-20T14:16:38.770Z" } ] }, { "id": 31234, "name": "Ekpa", "slug": "ekpa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c4988b8eff9db30a66dc2c4f5f513eba67b606.png", "website": "https://goekpa.com/", "all_locations": "Boston, MA, USA", "long_description": "", "one_liner": "Building Autonomous Research Agents for Trading", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1783109218, "tags": [ "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ekpa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/ekpa.json", "year_founded": 2026, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ekpa/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c4988b8eff9db30a66dc2c4f5f513eba67b606.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 3028173, "full_name": "Anant Asthana", "title": "Founder", "founder_bio": "Co-founder @ Ekpa", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/asthana-anant/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/35d5061a5dc077f08c538bfd81cf5371b0b5252a.jpg" }, { "user_id": 2421466, "full_name": "Yuga Patel", "title": "Founder", "founder_bio": "Co-Founder @ Ekpa | CS/AI @ MIT", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yugapatel26", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2253a03131fee0fb9263a61fbc45c54c1e30c348.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105026, "title": "Ekpa: AI-Native Investment Platform for Everyday Traders", "tagline": "Intelligent and Data-Backed Investment Decisions", "body": "Hi all, \n\nWe’re Yuga and Anant. Yuga is a CS & Econ major at MIT with investment experience; Anant is CS & ChemE at MIT who has built agentic pipelines for drug discovery.\n\n**TL;DR:** With Ekpa, retail investors can create and improve their portfolio with tailored and strategic advice. Reach out if you are/know anyone who is into investing!\n\n**90 sec demo 👇**\n\n\n\n❌ The problem\n\nThere is a big gap between passive index-fund investors and wealthy people who have access to real hedge funds. Hedge funds have an army of people doing research and tracking and tracing every single piece of data. \n\nA retail investor with a full-time job and family does not have time to do all the research and make intelligent trading or investing decisions. \n\nAn everyday person lacks time, tools, expertise, and therefore confidence to make decisions that bring them closer to achieving financial freedom. \n\nTherefore, they miss out on the opportunity to build their wealth unlike the wealthy who continue to compound their wealth. \n\n**✅ The solution**\n\nWhat Ekpa enables:\n\n* **AI-Native Data Workflows** - agents that constantly keep up with the market trends, news, SEC filings, 10k, etc based on your portfolio.\n* **Research Systems**, based on your current portfolio and current interest. \n* **Discover New Investments** based on your risk-tolerance and future goals.\n* **Active Alert System**, so you don’t miss out on when the markets are moving while spending time doing the things you love. \n\nWith Ekpa, individuals build wealth regardless of experience. We’ve built AI trading systems that have outperformed the S&P500 over short time periods (over +1.5% returns in one week). \n\n**The ask**\n\nWe’re onboarding early customers and would love intros to anyone interested in trading\n\nFeel free to reach out directly to us at founders@goekpa.com. ", "url": "https://www.ycombinator.com/launches/RJy-ekpa-ai-native-investment-platform-for-everyday-traders", "votes": 17, "created_at": "2026-07-09T15:29:01.604Z" } ] }, { "id": 31382, "name": "Kinro", "slug": "kinro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a6042942a7506c8f7817f8f92ca6675143b71ba.png", "website": "https://www.kinro.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help small business owners get the right coverage.", "one_liner": "Autonomous insurance brokerage for small businesses", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1773944938, "tags": [ "Fintech", "Insurance", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kinro", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/kinro.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kinro-ai/", "x_url": "https://x.com/kinroai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a6042942a7506c8f7817f8f92ca6675143b71ba.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2043734, "full_name": "Pierre-Alexandre Kamienny", "title": "Founder/CEO", "founder_bio": "I am the co-founder & CEO of Kinro, the first autonomous insurance brokerage.\nPreviously Research Scientist at Google DeepMind & Meta.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pakamienny/", "x_url": "https://x.com/pierrealexai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8011f44491a795f4215a55159a7c9b09eab0bb1e.jpg" }, { "user_id": 3399845, "full_name": "Parth Ainampudi", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO of Kinro AI", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/partha42/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fe864aaf327324d1df33b5061c87e9160c1dea01.jpg" }, { "user_id": 3226721, "full_name": "Corentin Hugot", "title": "Founder/COO", "founder_bio": "I am the co-founder & COO of Kinro AI. \nKinro enables sales of insurance in AI native platforms like ChatGPT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/corentin-hugot/", "x_url": "https://x.com/corentin_hgt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/33cfc43b4150b1e60e86301f8a32c4c9e650a725.jpg" } ], "jobs": [ { "id": 107965, "title": "Content & Brand Intern", "url": "https://www.ycombinator.com/companies/kinro/jobs/TZ7vUM1-content-brand-intern", "location": "San Francisco, CA, US", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "$4K - $10K / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 109891, "title": "Insurance Producer", "url": "https://www.ycombinator.com/companies/kinro/jobs/X8IIJLV-insurance-producer", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$50 - $80", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 103281, "title": "Kinro - The first autonomous insurance brokerage", "tagline": "Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.", "body": "![uploaded image](/media/?type=post&id=103281&key=user_uploads/3226721/30408a2d-dd8a-47e8-a0b7-b6c76f94eee2)\n\n_We hesitated between rap and insurance…_\n\nPreviously, we hit $1M in annual revenue building insurance workflows for brokers. Then we realized **the bigger opportunity was replacing them.**\n\nIn the US, there are 36 million SMBs, and 77% are underinsured because distribution is broken. Brokers can’t serve low-premium SMBs profitably: a $2K policy takes almost as much work as a $20K one.\n\nKinro changes that. Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.\n\nIn 3 weeks, we got licensed in 30 states, appointed by 15 carriers, and **we bound the first-ever autonomously sold insurance policy.**\n\nBefore Kinro, [Pierre-Alexandre](https://www.linkedin.com/in/pakamienny/) was an AI researcher at DeepMind (post-training Gemini on financial services). [Parth Ainampudi](https://www.linkedin.com/in/partha42/) led ML infra at Zoox and I was Chief Insurance Officer at an MGA (insurtech).\n\n**Asks**\n\nIf you ever need commercial insurance and want us to shop for you, hit us at [kinro.com](http://kinro.com) (yes we bought the domain for $25k, story [here](https://x.com/pierrealexai/status/2060382045571072043))! \n\n![uploaded image](/media/?type=post&id=103281&key=user_uploads/2043734/bac0ad88-22f1-4376-accb-852778c22c1e)\n\n_Post-pivot, Kinro goes to Atlanta to work for 48 straight hours with a retail broker specialized in selling to residential contractors._\n\n**Q&A**\n\n_“Why pivot?”_\n\nWe entered YC with a signed $1M enterprise sale to the 2nd largest auto-insurance comparator in the US a few days before (and a third of that money was wired). \n\nFirst OH, [@Nicolas Dessaigne](https://bookface.ycombinator.com/user/5628) asked us _“Why not become a broker directly?”_. \n\nWe told him we thought we could reproduce that sale with other brokers and maybe carriers. A month in, we hadn’t yet reproduced the same feat (though we had secured a pilot with the 3rd insurance broker on Earth: WTW). It became more and more obvious that integrations were deep (and FDE intensive) and enterprise sales were endless.\n\nWhat felt most off was the gap between what we were doing and our long-term vision: helping small business owners and individuals find the right insurance, wherever they are and whenever they need it.\n\n_“So why not just build that?”_  \\\n\\\nWe always knew we would eventually. Selling to brokers gave us a way to learn while getting paid. But we realized we weren’t learning as fast as we would by building directly for the people we ultimately wanted to serve.\n\n1.5 months later, we came back to him _“Nicolas, we want to become brokers… and this $1M is bad for us”_, he simply answered _“Oh I told you guys, this was obvious”_ (LOL). Walking away from >1M+ from all our clients felt easier after talking about this to [@Nicolas Dessaigne](https://bookface.ycombinator.com/user/5628) and [@Mathilde Collin](https://bookface.ycombinator.com/user/43195). Without YC, we would have waited much longer.\n\n_“What types of insurance do you sell?”_\n\nWe sell small business insurance (General Liability, Business Owner’s policy, Worker’s compensation, Commercial Auto…). We focus on admitted markets where checking carriers' appetite and getting quotes can be fully automated with no communication with carriers.\n\n**This new launch video as embarrassing as it is is worth watching! Send us a text if you want your angels to take care of your business.**", "url": "https://www.ycombinator.com/launches/Qrp-kinro-the-first-autonomous-insurance-brokerage", "votes": 7, "created_at": "2026-06-16T15:35:00.984Z" } ] }, { "id": 31529, "name": "Mochatrade", "slug": "mochatrade", "former_names": [ "Marvin", "Leverberry" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b53aed7c2d61caf968cbcb61a42f6cd0f7f65ef9.png", "website": "https://www.mochatrade.com", "all_locations": "New York City, NY, USA", "long_description": "Mochatrade lets global traders trade top US stocks using perpetual futures. Access all US stocks including TSLA, NVDA, and AAPL, plus pre-IPO companies and commodities, no US brokerage account needed. Money in and out in local currency (UPI in India), with professional-grade execution on the world's most liquid equities. Starting with India (140M+ demat account holders), expanding across other markets. Backed by Coinfund, Coinbase, and Y Combinator.\r\n\r\n", "one_liner": "US stock trading, unlocked for the globe", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1775162589, "tags": [ "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mochatrade", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/mochatrade.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/mochatrade/", "x_url": "https://x.com/Mochatradeapp", "fb_url": "https://www.facebook.com/profile.php?id=61590393531163", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b53aed7c2d61caf968cbcb61a42f6cd0f7f65ef9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/8595eb16627a24d2cb598e3dcd75ac45c4f41ad2.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3db07db7aa5b55b0338f87799472d91b06f4d45d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/84297da5dcafcd3615304799a7f4cc0a4480582d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2cc53b9f13029010777d69345f21454d3189047c.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 921606, "full_name": "Utkarsh Sinha", "title": "Founder/CEO", "founder_bio": "CoFounder and CEO at MochaTrade. Building US stock trading for the globe. Built Martian Wallet in my Columbia Dorm Room, that scaled to 2M+ installs, raised $3.5M, and got acquired. Studied MS in CS at Columbia, and EECS at IIT KGP. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/utksn15/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ad3a8d4f8970ac1fc1064ca3aa7e3b3fad8db9d.jpg" }, { "user_id": 1935536, "full_name": "Parth Maheshwari", "title": "Founder/CTO", "founder_bio": "Cofounder and CTO at Mochatrade. Previously led engineering at the largest fintech lending startup in India, and was part of a small team who build Adobe Photoshop for the web. Cofounder/CTO at Meadow(Synthetic-user testing platform acq. by YC company). Graduated from IIT Guwahati in 2020", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/parthm1801", "x_url": "https://x.com/_ParthVader_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/786ad043dd7109c01ea195e9f2bdef403ef8f827.jpg" }, { "user_id": 1797347, "full_name": "Chetan Manda", "title": "Founder/CPO", "founder_bio": "Co-Founder and CPO at Mochatrade. Previously Director of Product at Sprinklr(NYSE:CXM), Cofounder/CEO at Meadow(Synthetic-user testing platform acq. by YC company). HCI grad from IIT G", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chetanmanda/", "x_url": "https://x.com/theblackmanda", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b859d7c78a7ffbe2439d685650ae660017d24f04.jpg" } ], "jobs": [], "news": [ { "title": "MochaTrade Secures Pre-Seed Funding from Y Combinator to Transform Perpetual Trading, ETEntrepreneur", "url": "https://entrepreneur.economictimes.indiatimes.com/news/funding/mochatrade-secures-pre-seed-funding-from-y-combinator-to-transform-perpetual-trading/130855566", "date": "May 07, 2026" }, { "title": "FinTech firm MochaTrade raises pre-seed from YCombinator", "url": "https://deccanfounders.com/2026/06/news/mochatrade-secures-funding-global-us-derivatives/", "date": "May 06, 2026" } ], "launches": [ { "id": 101161, "title": "Mochatrade - US stock perps for Indian traders with up to 50x leverage", "tagline": "Deposit in INR via UPI, trade US stocks, Pre-ipo stocks, indices, commodities and crypto with up to 50x leverage.", "body": "**TL;DR:** Mochatrade lets Indians trade perpetual futures on US stocks (TSLA, NVDA, AAPL), Pre-ipo stocks(Cerebras, Anthropic, SpaceX), commodities(Oil, Gold, Silver). Deposit INR via UPI rails, trade and withdraw to your bank. 24/7 settlement and no Foreign Remittance required.\n\n**The problem:** India is the largest retail derivatives market in the world with \\~60% of global equity derivatives volumes (\\~$30Bn per day), eclipsing the US market. 140M+ Indians hold trading accounts. They want US stock exposure but have been locked out.\n\nToday they have three bad options:\n\n* **Hold US stock as spot** through regulated brokers (Vested, INDmoney) with offshore bank accounts: $250K remittance cap, T+2 settlement, no leverage, no shorting, not 24/7, painful Tax handling\n* **Offshore CFD shops**: opaque pricing, sketchy custody, no INR rail, regulatory black hole\n* **Crypto Exchanges** such as CoinDCX which are catered towards crypto audiences. Majority of Indian daytraders don't understand 'crypto wallets' and 'gas fees'.\n\n![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/625c590d-9442-488e-b1a6-57d01a7f147b)\n\n**None of them match** what an **Indian** F&O **trader** actually does and **wants** - every day leveraged derivatives, in INR.\n\nPromo: \n\n**What we built:** The trading terminal these users already know, run on perpetual futures:\n\n* **50+ US stock perps + pre-ipo stocks +commodities crypto + indices**, up to **50x leverage.** NVDA, TSLA, AAPL, META, GOOGL, SPY, plus BTC, ETH, SOL, plus index perps. One terminal, one balance.\n\n ![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/f4c0dbdf-56fb-4ea5-8f83-93f9e65df03b)\n\n* **INR on-ramp and off-ramp via UPI.** Withdraw to your KYC-verified bank in INR.\n\n ![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/697099f0-bff6-4bac-8adb-ff50624f850a)\n\n* **Terminal-grade UI** density built for serious traders. Fundamental Analysis for every stock, Advanced charts for Technical Analysis.\n\n ![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/39aac7df-4a94-4f57-8ff1-cc6e9eb3a24c)\n\n* **Non-custodial wallets. Sub-second execution** and **deep liquidity**, built on Hyperliquid.\n* **Compliance:** We're building it the right way. FIU-IND registration in flight, working with India's best law firm on regulatory architecture.\n\n**Who we are:** **Utkarsh** (CEO), **Chetan** (CPO), **Parth** (CTO). IIT grads, close friends for 10 years. Previously **built** crypto **wallet** with **2M** installs across **50+ countries**, processing over **$2Bn** in volumes, successfully **acquired** by an exchange.\n\n![uploaded image](/media/?type=post&id=101161&key=user_uploads/1797347/d892d716-f736-4f5c-b942-a985239fe819)\n\n**Our ask:**\n\n* F&O / perps traders: join the **waitlist** at [www.mochatrade.com](http://www.mochatrade.com)\n* **Operators** in Indian **fintech**, **crypto**, or **trader** communities - would love to chat\n* We're closing a **seed round**; warm intros welcome\n\nContact us at: [founders@mochatrade.com](mailto:founders@mochatrade.com)", "url": "https://www.ycombinator.com/launches/QJd-mochatrade-us-stock-perps-for-indian-traders-with-up-to-50x-leverage", "votes": 60, "created_at": "2026-05-11T19:20:07.569Z" } ] } ]